23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There was a dispute over a plumbing issue at the unit both my brother & I were living in XXXX. We went to court & the Judge Ordered {$900.00} in attorney fees to the XXXX & {$0.00} Dollars in rent owed. Per the Court Document attached to this email. 

This Debt was Mis Reported. There is no rent owed nor was there ever an eviction that took place. This Debt is also Reported on my brothers Credit Report. Her Name is XXXX XXXX, his name is also attached to the court document as he was also a Leasee of the unit. 

This debt was removed from our credit report last year and now as of XX/XX/XXXX, it has re-appeared on our credit report. This matter violates the FCRA. I now reside in Washington and I will be filing a civil suit first thing Monday morning XX/XX/XXXX for not only my rights being violated but the emotional distress this has caused me. 


Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent XXXX a dispute along with a picture of my drivers license, social security card, an a bill reflecting my current address regarding inaccurate account information displaying on my consumer report. As of XX/XX/2023 I haven't received any correspondence from XXXX related to my dispute which is a violation of 15 U.S.C. 1681ia if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer
Product: Credit reporting or other personal consumer reports

Experian has failed to fullfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information of my credit report, leaving inaccurate or unverified accounts unresolved.
Product: Student loan

My son contracted with XXXX XXXX ( now Navient ) for student loans. The first loan was originated on XXXX/XXXX/XXXX for the amount of {$10000.00}, and the second loan was originated on XXXX/XXXX/XXXX for the amount of {$15000.00}. I cosigned for the student loans at that time. I filed a complaint in XXXX against Navient because they refused to work with us in settling on affordable terms for the loan repayment. That file number with your office was XXXX. That complaint was closed because we thought we had successfully negotiated an agreement with Navient for a reduced interest rate and reduced loan balance. Specifically, we agreed that the interest rate would be reduced to 0.001 %, that the total amount of XXXX loans would be reduced to {$12000.00}, and that we would pay that off with an initial payment of {$2500.00}, 24 monthly payments of {$160.00} through XXXX XXXX, and then a lump sum payment of the remaining {$6100.00}. 
However, we were never able to get Navient to commit to the agreement in writing. We have been making the payments in accordance with our verbal agreement, but Navient has never modified the terms of the loans. The loan information in our online account still shows the original loan interest rates and balances. This means that almost 90 % of our monthly payment is going to pay interest on the loans, and the balance is barely decreasing from month to month. This is not what we agreed to. I called Navient on XXXX XXXX, XXXX, and spoke with XXXX, and then with his supervisor, XXXX XXXX. They both reviewed their records, and verified that the terms I stated were correct. They had no explanation as to why the loan terms in my online account had not been updated, and they stated that they would get back to me no later than XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX, and I have not had a response from Navient. 
Furthermore, they have not updated the information on my credit reports to reflect that the loans are in repayment and not delinquent.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> To Whom It May Concern, I am filing this complaint against XXXX for repeated violations of the Fair Credit Reporting Act ( FCRA ) and deceptive practices in handling my disputes. Despite submitting all required documentation to validate my identity theft claims, XXXX has failed to block fraudulent accounts, reinserted previously removed accounts, and refused to correct personal information, causing me significant harm. 
Specific Issues : 1. Failure to Block Fraudulent Accounts : * XXXX has refused to block fraudulent accounts such as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX receiving an FTC Identity Theft Report, police report, and proof of identity. 
2. Re-insertion of Previously Deleted Accounts : * Accounts like XXXX XXXX XXXX were removed but later re-added without proper certification or notice, violating FCRA 611 ( a ) ( 5 ) ( B ). 
3. Failure to Correct Personal Information : * Outdated phone numbers and addresses remain on my report, despite multiple requests for correction. 
4. Deceptive Verification Practices : * XXXX continues to claim accounts are verified without providing documentation, violating FCRA 609 ( a ) ( 1 ) ( A ).

Impact : * Financial Harm : Denied credit opportunities and financial loss due to inaccurate reporting.

* Emotional Distress : Prolonged stress caused by the mishandling of my disputes.

Requested Resolution : 1. Immediate and Permanent Removal : * Block fraudulent accounts, inquiries, and outdated personal information.

2. Compliance with FCRA : * Prevent the re-insertion of removed accounts without proper certification.

3. Monetary Compensation : * I am requesting {$XXXX} for financial harm, reputational damage, and emotional distress caused by TransUnions non-compliance and deceptive practices. 
Supporting Documentation : * FTC Identity Theft Report * Police Report * Proof of Identity * Correspondence with XXXX * Highlighted Credit Reports Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I attempted to create an account and freeze my credit with Equifax online. The website told me I needed to call customer care because of error code NH. I have tried to call 3 times and each time I don't get to speak to a live person and the computer prompts tell me they can't verify my information and end the call. I was able in the same day to freeze my credit at XXXX and XXXX  but can't get anywhere to do so with Equifax. I want to be able to freeze my credit at Equifax.
Product: Debt collection

On XX/XX/year> I missed a phone call from a local area code ( XXXX ) XXXX. This entity left a voicemail stating that a lawsuit was filed against, provided an alleged case number and that I needed to contact them at XXXX ( XXXX ) XXXX. I called the provided number which was to a XXXXXXXX XXXX XXXXXXXX. The gentleman stated he could tell I was confused as to why I was receiving this phone call. He stated his firm was representing US Bank who was filing suit for a closed checking account I'm alleged to have had between XXXX. He stated I owed approximately {$2500.00} plus legal fees and court costs. He also stated vehemently that they've been trying to resolve this issue, but I've not responded to any attempts made. He stated that they had just attempted to deliver legal documentation via a " courier '' within the past few weeks. I explained that I have no knowledge of this supposed debt. He stated that I could have 30 days to discuss it with an attorney before they move forward with legal action if I choose to dispute. I advised again that I have no knowledge of this alleged debt from XXXX  years ago and asked why I would just now be contacted or threatened with legal action. He stated they've been hired by US Bank to clean up any outstanding debt. He asked if I was planning on disputing it and I stated yes as I have no knowledge of this supposed debt. He advised that he would be marking it in their database that I was going to dispute, insinuating that by disputing I was waving the previously claimed 30-day window for legal review, thus escalating the issue towards legal action. I've also contacted the XXXX XXXX XXXX 's office and have an appointment on XXXX with the XXXX XXXX XXXX 's office at XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about an account which reports from XXXX, It is reporting different data for each bureau. I tried pointing out the issue to XXXX, Experian and XXXX  I have fallen on XXXX XXXX. this could potentially effect the purge date and continue to impact me by continuing to report inaccurate misleading data. 

The late pay dates are not consistent, which this can't be since they get the data from the original source and a proper investigation if done correctly would have solved this problem yet it persists.
Product: Debt collection

I had a Special Assessment from my HOA. I paid the assessment late but in full to the property management company before I was contacted by a debt collection agency. 

Debt Collection company has charged me fees and threatened me with a lien against my property. 

Collection activity should be remove from my credit file.
Product: Vehicle loan or lease

XX/XX/2019 Toyota reported a late payment which was not 30 days late. I had a long, good standing lease with them and when the pandemic hit, we paid the loan XXXX week late after we called and asked them if we could. They agreed and said they would not report a late payment. They however did. 

This is the only late payment on my credit file for the past XXXX XXXX
Product: Credit card or prepaid card

Target Card Services provides an option for payment arrangements if you are going through a financial hardship. They say its written in a disclosure provided that it will still charge late fees. However there is no verbal disclosure of the this fee when making the arrangements. The issue here is that it is highly deceptive and financially impacts the consumer in a negative way. My payment arrangements were set to XXXX dollars for XXXX months, I wasnt disclosed this payment wouldnt cover my minimum payments or that it would lead to XXXX dollar late payments for all the months of the payment arrangements. Thats a difference if XXXX dollars that doesnt even make it toward the principle or help me get back on track as they glorified it would. In addition to that, after making payment arrangements I received at least XXXX calls a day reminding me the make the arranged payment amount and every call answered still no one disclosed that I would still be assessed a late fee. Finally, after seeing the late fee on my statement puzzled because Ive been making the payment of my arrangements, speak to a representative and they cant even try to remove my late fees until they receive a minimum payment of XXXX dollars in addition to the payment arrangement payment made just XXXX days prior. This is not fair to any consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud accounts and inquires appearing on Experian and XXXX  report. 


XXXX account XXXX XXXX account and several inquires.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I'm reaching out because of the incorrect information on my credit report related to the account below : Account Name : XXXX XXXX XXXX Account # XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong to a credit report, so this information on my report isn't accurate!

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect.

According to 15 USC 1681 s-2, State Emp CU of Maryland, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the customer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate. '' In summary, Ive shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 
Please delete this incorrect information from my report immediately. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the owner of XXXX XXXX XXXX The business leased a Vehicle Through Honda Financial Services. Honda Financial Services is reporting it to all credit reporting agencies as a personal loan on my personal credit. We lease 3 vehicles every 3 years for company use. These vehicles have never reported on any of the owners personal credit. When purchasing the vehicle I made it clear if it was going to be reported on my personal credit I had no interest in leasing the vehicle. I am attaching the most recent statement showing the account is in the name of the business. The is clearly a violation of federal law in reference to inaccurate entries.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Student loan

My loan servicer has incompetently processed my documents, provided me with false information, and incorrectly denied me the payment plan I requested to receive which has resulted in XXXX of dollars of interest incorrectly accrued to my student loan debt. Fedloan servicing has caused me financial stress through a lack of accountability in their processors, and I have spent several hours on the phone and over a year writing correspondence to attempt to correct this issue to no avail. I have exhausted many alternatives trying to deal with their bureaucracy which has accomplished nothing except tacking on XXXX of dollars to my principal. So now I seek external accountability measures to redress this issue.
Product: Debt collection

CASE # XXXX. 
Portfolio Recovery has not called me for a while but has but has started again about a debt that I do n't owe. The most recent numbers that they are harassing me from are ; XXXX on XXXX/XXXX/15 XXXX and XXXX XXXX/XXXX/15 at XXXX. I have blocked XXXX phone numbers that have called at all hours of the day and night, most are from portfolio recovery. I do n't want them calling me a XXXX times a week as they did earlier this year to threaten to kill me if I do n't pay.
Product: Debt collection

Dear Sir/Madam, I was send a letter from Rausch Sturm informing me that there is a collection account on my file from XXXX XXXX  and that they were collecting it. Rausch and Sturm never provided validation of the debt. 

In accordance with the FDCPA, I have the right to ask for validation of this alleged debt. This is asking for proof of this and verifying the same. This is inaccurate reporting and has had a detrimental effect on my credit rating and ability to achieve financing. 

Consequently, Rausch Sturm, LLP and XXXX XXXX should be instructed to cease and desist from all collection activities until this alleged debt can be validated. In addition I would expect to see this account deleted from all three credit bureau 's and I will take steps to insure that this happens. 

Rausch Sturm and XXXX XXXX  never provided the following : 1. The agreement which authorizes the creditor to collect on the alleged debt.

2. The signed agreement from the debtor conforming to pay the creditor.

3. The documents regarding the payments made on this account validating the amount.

Thank you for your prompt attention to this matter.
Product: Mortgage

RE : Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This complaint is about how funds were applied to the subject mortgage and why there is a partial claim lien on the property. 

I received a grant from XXXX the XXXX XXXX assistance in XX/XX/2022. My mortgage loan was reinstated with {$12000.00} and I was scheduled to receive six months of payments which added up to {$4300.00}. My total XXXX  assistance through XXXX the XXXX added up to {$17000.00}. However, it appears, my loan was reinstated prior to receiving the XXXX the XXXX assistance using a partial claim in the amount of {$11000.00} in XX/XX/2022. 
I spoke with XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and she has confirmed the XXXX XXXX XXXX  monies were paid out to US Bank for my mortgage loan.

Since it appears both monies were applied to my mortgage loan, the math does not make sense on what my balance owed on the mortgage would be given the initial loan amount was only {$100000.00}. 
Questions : XXXX ) What happen to the monies from XXXX XXXX XXXX XXXX ( {$17000.00} ) XXXX ) Shouldnt the partial claim lien have been removed from the mortgage account? The reinstatement amount that was given to XXXX the XXXX should not have been so large if a partial claim was used to reinstate the loan.
Product: Credit reporting

THIS IS NOT A DISPUTE! THIS IS A REQUEST. 
I have attached proof of numerous inaccuracies being documented on Equifax credit report which is harming me and I am questioning the legality of Equifax making changes to old reports from XX/XX/XXXX and prior reports electronically. It makes the whole integrity of the reporting system by Equifax inaccurate and an unethical business practices. 
I am formally demandinging to remove the reinserted/inaccurately reported/unverified ( Method of Verification was not provided by Equifax or XXXX ( Have been requesting since XX/XX/XXXX ) as per my right and request under Section 611 ( a ) ( 7 ). 
XXXX and XXXX had investigated the below accounts and removed them XX/XX/XXXX and XX/XX/XXXX respectively. ( Both reported aged accounts for removal XXXX ) After loan officer informed me Collections back on Equifax I sent XXXX a letter on XX/XX/XXXX requesting deletion which they received on XX/XX/XXXX. I called XXXX on XXXX XXXX as well and I was told they could not connect me with that part of the office. I would need to wait for a review and written response. They just sent me settlement statements for debts I do not owe. 
I have listed the items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe Credit Report I paid Equifax for on XX/XX/XXXX shows no collections reporting XXXX major bureaus. 
The Credit Report I paid XXXX for on XX/XX/XXXX ( same day ) shows XXXX XXXX just under Equifax. 

Due to the misinformation and inaccurate reporting provided by Equifax this matter has harmed my good name, caused me embarrassment, major confusion amongst all parties involved, excessive Hard Inquiries by XXXX ( loan officer ) which harms me and credit rating and will now stay on my report for XXXX years and has delayed me from closing on a home XXXX times in the past month. At this point I believe I lost the house I was suppose to close on and was rescheduled for today XXXX XXXX due to all the confusion of an inaccurate reporting system. 

I am respectfully demanding to immediately delete the accounts identified above entirely from Equifax credit report due to the misinformation being furnished, inaccurate reporting and discrepancies and send me a free updated credit report. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA if this matter is not settled ASAP.