23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/XXXXXXXX  i received a call from a collection service " XXXX XXXX XXXX XXXX '' saying i owed {$120.00} on a vehicle I bought in XXXX  when living in Florida. I had not heard from them until this time 9 years later. I paid them the {$120.00} which I have the credit card statement to prove it. now here 12 days later i get a hit on my credit report saying that I owe a debt. I called XXXX XXXX XXXX XXXX and spoke to someone who looked it up and confirmed that the payment was sent. She was supposed to email me a letter stating that this was paid on the date listed. She did not. it cost me XXXX point on my credit which is HUGE. I've spent the last 2 years fixing my credit and now its destroyed because of another company error, and my chance of purchasing a property is all but lost due to their neglect to report properly.
Product: Credit reporting

Equifax has violated the FCRA by failing to give me a fair investigation into my claims, failing to block the items specified on my affidavit, and failing to mail me proper investigation results into my claims that XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank are the results of fraud. XXXX XXXX XXXX has even admitted to willingly put a false address on my report as well as sending me documents stating that I owe no money yet they refuse to remove them from my report. XXXX XXXX XXXX is still allowed to be on my report after I sent Equifax a copy of an out of court settlement and XXXX has never produced the items bought on this credit, and I know XXXX can trace computers, XXXX of the most worked on computers by myself are XXXX that my customers have issues with. XXXX Bank has not completed their investigation and has yet to even tell me what was purchased at Reeds and I have even offered Equifax a picture of my ring yet Equifax still reports them. Equifax has not once completed a fair investigation, they just take everyone 's word and has never informed me that they think that this request was made in error or has accused me of lying to be able to keep reporting this information. I am attaching parts of the FCRA itself that Equifax has continually violated and what I will take them to court on. Equifax was warned and I will produce all these communications to a judge so he can see that I tried in good faith to get a fair investigation and get the fradulent accounts blocked as a result of fraud. I will also show that Equifax has violated the FCRA by refusing to block fradulent accounts as well as never giving on of the XXXX reasons allowed to refuse to block an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX  on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. 

Im requesting that you follow the law by removing these inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Debt collection

XXXX XXXX XXXX was hired by XXXX to collect a debt. This debt was not mine and as such XXXX paid the bill and eliminated any collections on this matter. This was done after the Attorney General of California was engaged and made aware that the debt was not correct. I have since received a letter from XXXX legal council that was sent to the state of California Attorney General. The whole debt was forgiven. 

Allough XXXX XXXX XXXX is reporting new problems as of XX/XX/2018. This should be removed as they are falsely marking my credit reports and hurting my score. This has been a long battle with a lot of errors and problems. 

Can you please assist? 

Thanks, XXXX XXXX
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. I 've contacted this company a total of 3 times in regard to this matter. This account is also reported multiple times on several bureaus.
Product: Student loan

Navient only calls me between XXXX and XXXX Monday through Friday, or on holidays. I told them I can not receive calls during those times because I am at work. They said they use an aito dialer so they can not remove my number. They also said that Texas allows them to call while I am at work. I told them Texas also says if I can not make calls during work, they can not call during my work hours.They call me at least XXXX to XXXX times a day, exceeding the law of no more than XXXX times in a week. They said they will continue to call until I resolve the issue. They also say I can call back, but refuse to give me a number. The number on the caller ID is not their number. The number also shows up as from Wisconsin which is not where Navient is from.
Product: Credit reporting or other personal consumer reports

I have an account reported in my experian credit and negative payments account XXXX XXXX  Account XXXX opened on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following collectors, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

Auto loan established with Suntrust bank. Made overpayment in XX/XX/XXXX of {$680.00} to be up-to-date on car payments. Advised per supervisor that remaing balance was approx. {$8000.00}. Car was repossed without knowledge XX/XX/XXXX. Vehicle was parked outfront of apartment building. Tow truck did not attempt to establish contact before taking vechile. Car was repossed by Suntrust Bank. XXXX XXXX ssi was purchased & auto loan established with Suntrust Bank back in XX/XX/XXXX. Made car payments up to XX/XX/XXXX to drop loan amount to approx {$8000.00}. Car was repossed as payment was 30days late yet contract states 60 days. Balance of {$8900.00} showing up in collections as increase on loan. However, never recevied 30day collection notice for late payment. No opportunity to make payment before vehicle was taken. This is fraud. Actions were taken by Suntrust Bank that are unjustified.
Product: Debt collection

I moved to an apartment and stayed in the apartment for XXXX weeks without hot water, i had to go get shower to my friends house for XXXX weeks. After a lot of complaints about it, they decided to move me to a new apartment apartments. When moved to this apartment, the apartment was not clean and no light in the kitchen and lots of trouble. I decided to apply for a mortgage and approved to buy my own house. After closing the house, i was not able to keep paying my mortgage and the rent at the same time, I went to the office and asked the manager to broke my lease. She agreed with me and said I will pay {$3300.00} for broken the lease, as i had no money, i asked her to give me a payment plan, she said no worries, i can move out when they send the bill to me after XXXX  days, i can call to have a payment plan. I cleaned the apartment and gave them the keys. When I received the invoice from them, the amount was {$4800.00}, I replied to the email telling them that the amount is incorrect, they told me that they were going to talk to the person who sent me the bill and will get back to me. I never heard back from them until they sold my informations to an agency that kept blackmailing me and telling me they investigated me and finding out i have a lot of money to pay the amount that they asking for. The first time i spoke to the agent, i told him that the amount was incorrect and told him the amount should be {$3300.00} not {$4800.00}. He agreed with me and taking a payment of {$500.00} from my credit card. After a couple days, they called me again saying I owe them {$4300.00}. I said it was {$3300.00} and already paid {$500.00}, so my new balance should be {$2800.00}. They refused to dispute the amount and kept telling me that i have lots of money and I can pay them what they asking me to pay. This is not fair because i am in a financial hardship right now and have no money at all. This agency feels like they have a lot of power to hurt people without any consequences. I really need help with this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed l had fraudulent accounts on my report.Please remover these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. O n XX/XX/2020, FACTUAL DATA add a hard inquiry on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I have a Discover Bank inquiry listed on my credit report, that i do not recognize, that i did not apply for without my consent or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Reporting Inaccurate And Fraudulent Information On My Consumer Report. Report Shows a Debt Owed to XXXX XXXX XXXXXXXX And Closed Checking Account as A Result Of Suspected Fraud Activity. This Report Has Been Disputed by Me and Was Not Removed From XXXX XXXX XXXX XXXX Consumer Report and ChexSystems Consumer Report. Please Remove These Derogatory Marks Under the FCRA This Unverifiable and Inaccurate Information should be Removed From My Report.
Product: Mortgage

Inaccurately reporting to credit bureaus that my loan term as 538 months. My loan term is only for 30 years which is 360 months. I have disputed this with the credit bureaus and the Ocwen Mortgage company with no resolve. Ocwen is also reporting on my account log in that my loan term is 538. This is not what I agreed to in my loan modification on XXXX.
Product: Debt collection

I got a phone call saying I owed over {$400.00} in debt for back tolls which I do not owe and I do have XXXX XXXX It was a local call supposedly as same area code as mine. 
I couldnt understand what company she supposedly represented as I was disgusted and ended the call after saying not me. I then called back and got the name of the company. After some questions the explanation I got was there were so many with my name its likely not me. Their number is .... 
XXXX XXXX XXXX
Product: Checking or savings account

I went to TD Bank and made a cash deposit through the ATM of {$1800.00} into my checking account. The ATM kept my card, gave me a receipt for a deposit of {$.00}, and then was showing error messages and restarting. This was on Monday XX/XX/XXXX. I called on Tuesday XX/XX/XXXX and they told me I needed to come into the branch to file a claim. I went in on Wednesday XX/XX/XXXX to do that. I have not heard anything and its been 10 days that they have kept my money and have not done anything. On Tuesday XX/XX/XXXX I called and they said they would follow up with the back office and get back to me, but they never called me back. Today I called again and they said the claim was closed for some reason and they would follow up but that there was nothing else they could do and that the back office has to get back to them. Crazy that they can just hold my money and have no process of reconciling it. This was TD Bank
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX Balance : {$5200.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

My loan company Bridge Crest is my Car loan financial institution. 
I strongly believe they are purposely tanking my Credit score. I have 3 to 4 Modification agreements since 2019. I believe instead of putting the Modification amount on the back end of the loan, they are forcing me to pay my car note 3x monthly. I also believe, they are over charging me with late payments which is tanking my credit score. 

I have asked them several times to put me on a monthly payment schedule, but for various inexcusable reasons they are not allowing it. When I pay my bill between the 3rd and the 6th of each month they are still charging by weekly and causing me to fall under late payments, in which they are charging me late fees 2x monthly. 

I have been paying monthly since XXXX of 2019 and since then they have failed to correct it as well as charging me other fees in which i know if i do owe for XXXX and XXXX of 202XXXX. I owe no more than {$300.00} in back payments, they have charged me XXXX XXXX XXXX $ and now almost a XXXX due to the fact that they are still ( charging me by weekly on top of my monthly payments. THEY WILL NOT FIX THE ISSUE... .... 
Someone has called me, i have tried to reach the person several times. During our first and only conversation i told them i would go through my bank statement in which i am not an account of any kind and it's difficult to get banks statements more than 5years old. I have called the customer service number various times, discussing the issue after talking to management to straighten out the situation, but they are lying about where these extra charges are coming from. 

I need an outside person to go over their books and correct the error.
Product: Mortgage

This issue has to do with XXXX XXXX XXXX DBA Shellpoint Mortgage.

Issue : My father passed away and I am the executor of his estate. Shellpoint has refused multiple attempts to send a check to the estate which is due to it to the amount of {$2800.00}. We have requested that the check be made to the estate with me as the executor and they have never complied.
Product: Mortgage

Hi, Context : I had applied for a home mortgage with Union Home Mortgage with XXXX in XXXX XXXX XXXX XXXX XXXX, OH XXXX website https : XXXX last year in XX/XX/XXXX. I chose another lender and did not contact UHM since then Issue : Yesterday on XX/XX/XXXX someone from UHM tried to pull my credit report without authorization. I had frozen my credit reports so no damage was done. I came to know from the XXXX alert email ( attached redacted email ) Concern : Since my details have fallen in wrong hands i am worried that it may get pulled again if and when i unfreeze my credit. 

Action Taken : I tried to contact their customer service however i was not able to get to a person as their IVR kept on asking me to enter the Loan number. I have also emailed their leadership team to help me address the issue Thank you! 
Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out an Identity Theft Report letter to the Credit Reporting Agencies on XX/XX/2022 under the suspicion that my identity has been stolen and used without my express consent. I sent out this letter and since then many items on my consumer report have been removed/deleted like requested. Currently my consumer report does not look the same at all across the board ( XXXX, XXXX, XXXX ) and almost all of the accounts requested have been removed. 

On or around XX/XX/2022 XXXX ignored the fact that there was an ongoing investigation of the validity of the accounts they insist on reporting and collecting an alleged debt from, insisting on not only the accounts but also report late payments. This is against the law. 15 USC 1666 ( b ) states that they can not report late payments to my consumer report. XXXX has also been calling non-stop in an attempt to collect a debt unlawfully on since on or around XX/XX/XXXX even after sending them multiple verbal and written communications to cease and desist. I did not give them my express consent to call me. They have been calling from suspicious, unknown telephone numbers and it seems that they will not stop. This is causing me stress/anguish. Please expedite this response as this is an urgent matter I'd like to get taken care of immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX  Account # XXXX XXXX/XXXX  Account # XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX The Above-mentioned Accounts has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

My account was overdrawn and sent the account {$700.00} on XX/XX/XXXX from XXXX XXXX. U.S Bank is saying they didn't get the funds until XX/XX/XXXX at XXXX. They hit me with 3 seperate XXXX dollar fees. They say they can not do anything about the fees.
Product: Debt collection

HI NRA National Recovery Agency - # XXXX XXXX XXXX XXXX ;??? FOR {$1400.00}??? 

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

I have disputed this debt with XXXX and XXXX as it is not mines. I have no accounts with LVNV lending. I have not been notified in writing of the finding. I don't know how to preceded. I have never done business with LVNV lending. Account number is not noted on credit report. I would like this account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX Acceptance account # XXXX, XXXX XXXX bank XXXX account # XXXX, has violated my right. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section A 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a balance of {$3800.00} showing on my credit report from National Credit Adjusters. I paid the loan back which was XXXX. I also have proof from my bank that I paid the loan off with the previous company called XX/XX/XXXX. I paid the loan off on XX/XX/2017.