23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I've filed multiple disputes with my credit card company ( XXXX and Goldman Sachs ) about an item I did not receive that was purchased online from XXXX on XX/XX/2021 in the amount of {$90.00}. I've provided them with all supporting documents ( email from UPS showing tracking number that was provided was not to me, and any communication to try and talk to the seller on XXXX, went unresolved because they never answered, and also because they are no longer a registered seller. I have proved that I did not receive the item, and they have gone ahead and charged me for the item anyway. I've been contacting them since the transaction in XXXX, and have opened multiple disputes, and have been unsuccessful in having a credit applied.
Product: Credit reporting

I have sent XXXX certified letters to Experian over the past 90 days asking them to supply proof that the items being reported are legitimately mine. They have failed to provide me any information proving the debts are mine. According to the Fair Credit Reporting Act they have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They must under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The following tradelines being reported that must be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me with Experian. This negative information is affecting me personally and very damaging. I can pursue legally but trying to avoid this route. Please provide assistance. Thank you. 

XXXX XXXX XXXX
Product: Debt collection

To XXXX XXXX XXXX file # XXXX This is a time barred debt. 
I have filed several complaints about several companies since XX/XX/2016 starting with XXXX XXXX XXXX in Texas Case # XXXX. Here is a list : 1. XXXX XXXX XXXX after they said they would cease collection who then turned it over to 2. XXXX also in Texas Case # XXXX also who agreed to cease collection and return it back to XXXX. 
Recently a barrage of agencies have been contacting me starting with XXXX XXXX Case # XXXX which could not be located. 
At the same time I had mail from an agency, XXXX  in Washington State, and calls from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX all claiming to be collection on this same XXXX XXXX  Time barred Debt which XXXX XXXX wrote off a decade ago. 
It does not appear on any of my Credit reports which I monitor regularly. 
XXXX, XXXX and XXXX all ceased attempting collection when I confronted them with the status. 
XXXX XXXX XXXX ( calling me from XXXX ) you are only the latest in a line of agencies that have lied, connived, threatened and continue to attempt to collect a debt that XXXX XXXX  themselves wrote off. It is time barred, considered un-collectible. 
It is not on my credit reports. 
Stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed three credit disputes with Experian in regards to unverified hard inquiries and a foreclosure being reported on my consumer credit report. My last notarized and certified request was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature for 17 hard inquiries, foreclosure ( XXXX XXXX XXXX XXXX XXXX  ), and addresses or promptly delete as required under Section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). Experian responded to my last request. One of their response letters was dated XX/XX/2020. On page 2, Experian stated, " The information you disputed has been verified as accurate. '' This was their response to the foreclosure. These are clear violations of the FCRA. 

The reporting company/agency who is reporting these inquires/accounts and addresses must have original documentation or proof on file bearing the consumer 's consent. In this case, Experian has failed to provide this proof on at least three occasions. They did not provide me with the original documentation bearing my signature from their file or their method of verification. They are purposely avoiding the verification process. These are clear violations of the FCRA. XXXX did the right thing and promptly deleted this same foreclosure that is in question on XX/XX/2020. I have attached their response letter as verification as I request that Experian do the same. 

I have all the dispute letters, certified mailing receipts and response letters from this company to support my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get into my Experian account and every time I have tried it, th e website makes it compulsory to request a free credit report ; then when you gave them the information so you could access the account, this message pops up " We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience. Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX  XXXX  to XXXX   XXXX  PT Sat - Sun : XXXX  XXXX  to XXXX  XXXX  PT '' Then, when you try to reach them using that phone number is a continuous loop of automated choices that never gives the chance to speak to somebody about this. 

All the other phones listed in their websites are also recordings after recordings. There is even one phone number : XXXX XXXX XXXX that not even rings and directs the call to a recording saying " they are having technical difficulties and to call later '' since THREE DAYS AGO. 

It is ridiculous that such an important part of your life it is utterly inaccessible.
Product: Mortgage

Real Time Solution a debt collection agency is attempting to collect on a 2nd Mortgage ( Home Equity Line of Credit ) on a mortgage initially established with XXXX XXXX XXXX. The mortgage was a conventionally mortgage with a XXXX split. As a result of the XXXX XXXX XXXX experienced XX/XX/XXXX the properties went into Foreclosure XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX who bought XXXX allowed the mortgage to go into foreclosure and I have been severely Financial Damage with a XXXX Credit Rating ever since this happen.. I attempted a loan modification on the original loan ( 1st Mortgage with XXXX XXXX XXXX but they mess up and delayed the modification and the homes went into Foreclosure. XXXX XXXX XXXX charged off the loans, and then XXXX XXXX XXXX bought the debt from XXXX XXXX XXXX and attempted to collect on the debt which was charged off by XXXX XXXX also, then XXXX tried collecting on the Debt and eventually charged off the debt. Now Real Time Solutions is doing the same. The financial structure established by XXXX has been haunting me since XX/XX/XXXX. 
The action of XXXX XXXX further harm and destroyed my Credit Rating. The home equity line of credit was a form of creative financing so I could get a loan that I did n't qualify for and funds I did n't receive. When the property was Foreclosed on by XXXX XXXX XXXX, I lost everything. 
The property was located in XXXX XXXX SC which is not my current address.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C.1681, I have a legal right to privacy and accuracy regarding my financial data. Specifically : 15 U.S.C.1681 Section 602 ( a ) affirms my right to financial privacy. 15 U.S.C.1681 Section 604 ( a ) ( 2 ) states that accounts can not be reported without explicit written authorization. 15 U.S.C.1681c ( a ) ( 5 ) prohibits reporting adverse information older than seven years ( except criminal convictions ). 15 U.S.C.1681s-2 ( a ) ( 1 ) requires furnishers to ensure all reported information is accurate. Given these legal protections, I request a thorough review of the disputed items. If they can not be substantiated with proper documentation, they should be removed immediately. Please provide written confirmation of your investigation and any corrective actions taken
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without written instructions XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

I attempted to refinance the loan debt I currently have through two companies. One was Discover, a company that already holds the loan debt I was attempting to refinance. I can not afford the payments of the ever-increasing fixed rate loan. I was instantaneously declined for the refinance despite my XXXX credit score, perfect payment history and my {$110000.00} in combined household income. The only " solution '' Discover was willing to offer was to provide me with interest only payments of approximately {$490.00} per month, opposed to the full payment of around {$560.00}. That is not a solution, but rather a XXXX on a much larger problem. If I can not afford to refinance per Discover 's own requirements, how on earth can I afford the higher monthly payments of the variable rate loans? 

The irresponsible lending practices of the bank that allowed me to attain this loan in the first place can not be ignored. If, as a student with no job and the prospect of being a XXXX, I qualified for such a large loan at such a high interest rate after already borrowing even more from another company, the lender was irresponsible at best, criminal at worst. I should certainly qualify for a reasonable, long-term solution now that I have an income.
Product: Student loan

I have proof that Navient has victimized me and most likely others. Please see attached as proof. I was able to print screen what they are trying to do to me and others. If they do this to all of, their clients thinking a client will miss such a small difference, they are raking in millions of dollars. While I was on the call questioning them raising my payment/forbearance without my consent, miraculously put me on hold and kicked me out of the system. Too bad for them I already had screen shot everything. Please see attached. This is egregious behavior. Talked to Navient and requested info on XX/XX/18 at XXXX XXXX  for 40 minutes 20 secs. To find out why my due date was pushed back a month without authorization from me, and asked why my payment increased. They answered that company policy is that they are giving an extra month of forbearance as a courtesy without authorization. I interrupted and said I didnt request another forbearance. Rudely representative stated sir, you are not listening, I just told you this was a courtesy. I explained by doing that, they increased my interest and increased my payment {$9.00} a month as well as my balance. Requested information in writing on why they increased my payment. I was told I will receive by XX/XX/XXXX and dont make payment until then. I asked what is my actual payment right now. Representative stated new higher payment. I have screen shots in two different sections of my account summary as proof. Questioned them, put me on hold, then all of a sudden information disappeared. Fortunately I screen shot before.
Product: Student loan

i was misinform that naviet took over XXXX. I was XXXX at the time and nowhere to go. when I find that naviet took over. I call to see do they had deferment they told me no. I did n't know what to do.. now I got naviet and XXXX on my credit report. naviet making my credit look bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

AM Sher collection agency improperly report my credit report to the credit agency. I have contacted the company four years ago. That was a part of my student loan that is not in a payment program. I was a student at the University XXXX XXXX  XXXX XXXX & took a federal loan. The financial aid office improperly reports to the collection agency & they agreed to remove it. I do not understand why they reported again to the credit bureau in XX/XX/2021. This collection agency is manipulated & falsified my account intentionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with my bank regarding my mortgage loan since XXXX XXXX after reviewing my credit reports and showing they are not submitting payments that are being made on my mortgage loan. I have contacted the company more than several times over the course of the past 5 months. Yet, they still have not updated the XXXX credit bureaus with corrected information regarding payments that I have made, also they have yet to reinstate my credit score. Which is desperately hurting me financially in many ways and continues to lower my credit score even further. I have brought this matter to USAA/XXXX corporation many times over the past 5 months. I have even recently contacted all three credit bureaus in which. Only XXXX has received any updated information. That information is still not submitted correctly by USAA/XXXX. I have been given the run around and the issues still have yet to be corrected by USAA/XXXX. I even contacted them this morning in which they stated everything had been submitted, corrected. Yet the credit bureaus stated either the information had not been submitted yet. Or is still incorrect. I also have yet to get my credit scorXXXX reinstated as USAA/XXXX should legally be doing after they failed to report payments made on my mortgage loan since XXXX XXXX. I have done everything in my power to get the company to fix the issues on my credit. However, it goes absolutely no where and causes myself and my wife more stress and wasted time sitting on the phone. I am now asking for your assistance in this very important matter. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Car loan company is XXXX XXXX XXXX XXXX in Georgia. 
My Credit score is hurting me tremendously. 
I can not apply nor get any Credit because of the latenes.. This car was {$21000.00} and I have paid for almost 3 years $ XXXX $ XXXX  monthly. I can not refinance my interest rate. 
I had contracted XXXX XXXX in XX/XX/XXXX. I was expecting a payment from my Government contract and it never came on time. I call the company asking if I can change my payment date from the XXXX to the XXXX, and I was told I can not change the payment date until I make a new payment. Meanwhile, I was once told I could request to change my payment date if I needed to, but it was never clearly stated by XXXX  that I must make a payment first. 
Also in XX/XX/XXXX I wanted to make a {$600.00} payment by credit card. No credit card payments is accepted. I asked to place the payment on the back end and I was told the company will place the payment on the back. I was told that I would have XXXX, XXXX and XXXX extension. It never worked out because of communication with all the Agents calling. We were not sharing the same information I was given. I was promised that the extension can not be emailed. I was told by XXXX both of us has to be on the phone at XXXX to fill out the paperwork. 
I encounter hardship with XXXX XXXX. Because I was infected twice. In XXXX I got a gentleman who emailed the Extension letter to me, after making a payment. I filled the paperwork out and I email the information back to the Gentleman. For some reason at home we have horrible internet problems and the signed Extension letter never reached the office. Extension was for XX/XX/XXXX and XX/XX/XXXX When I resent the letter it had Expired. 
I was not ok with all the wrong information I received from XXXX regarding with Extension reports as late. It is not worth asking for help because my Credit got beaten down.
Product: Mortgage

I have a compromised account XXXX on my diverse mortgage asset account and my account was inaccessible to file a dispute and my bank wants a XXXX  XXXX background check loan number with my accountant. I have a data broker insurance firm contact the dispute department with the allegations and negotiate the long term report of investigation with the investor accounts from the citation of the proof if claim identity theft. So I wanted to dispute with XXXX XXXX the reversed mortgage of the data broker from the identity theft dispute the loan compromised from XXXX XXXX XXXX XXXX showing false and fidicuary claims of the estate from the estimated pro longed account forfeiture statement from Metro and XXXX XXXX XXXX XXXX from XXXX up business account. Showing XXXX compromised the account with the XXXX XXXX XXXX showing a compromised on duty forge of the account at stake of forfeiture seized the account by citation with the XXXX  XXXX account broker stating the bank did not send the information to provide the agreement of the dispute XXXX Dear XXXX A XXXX : The XXXX Data Breach Settlement Agreement says any remaining funds in the Consumer Restitution Fund will be distributed to Settlement Class Members with valid claims.

You have a valid claim and are eligible for an additional payment. It will be sent to you by electronic pre-paid card. 

You will receive an email from XXXX the week of XX/XX/2024 with instructions to redeem your electronic pre-paid card. 

For more information about the XXXX, please visit the Settlement Website at www.EquifaxBreachSettlement.com. 

This notice is from the XXXX Settlement XXXX ( XXXX XXXX XXXX ), not XXXX. Please do not contact XXXX with questions. You XXXX contact JND by email at XXXX, by phone toll-free at XXXX, or by mail at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX XXXX reviews XXXX his case the information was not showing on the credit report. 
Dear XXXX XXXX, We are reaching out regarding your XXXX claim and require your immediate assistance. In order to proceed with filing your demand, we need the following information as soon as possible : XXXX. Name associated with your XXXX account XXXX. XXXX Loan Number ( Note : This must be the entire loan number, not the loan amount or VIN # ) XXXX. Phone number associated with your XXXX account This information is mandatory to meet the approaching deadline for your claim. Failure to provide this information may affect your ability to file a demand for arbitration. 



Please reply to this email with the requested details no later than XX/XX/2024. If you have any questions or need clarification, please dont hesitate to reach out. 



Thank you for your prompt attention to this matter. 



Sincerely,
Product: Debt collection

On XX/XX/XXXX I checked my credit report and saw a new collection was being reported in the amount of {$2700.00}. The collection agency reporting the debt is Vance & Huffman. 

The credit report shows the original debt being owed to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX on XX/XX/XXXX and discovered that a loan had been fraudulently applied for and approved under my maiden name. XXXX XXXX XXXX approved a loan and electronically submitted this loan to a checking account at XXXX XXXX XXXX on XX/XX/XXXX. The address used was my former address and the phone number used was also fraudulent. I have not lived at the address used since XX/XX/XXXX. 
I have not used the last name being used on the fraudulent loan since XXXX. I also did not have an account with XXXX XXXX in XXXX. I contacted XXXX XXXX on XX/XX/XXXX and their customer service was unable to help me. XXXX XXXX XXXX referred me to the collection agency Vance and Huffman, which advised me they would need a police report, Federal Trade Commission XXXX. I submitted this information on XX/XX/XXXX and the remaining information on XX/XX/XXXX. I contacted Vance and Huffman on or around XX/XX/XXXX and was told by the representative that it would take up to 90 days for Vance and Huffman to complete their investigation. I had also previously disputed this charge with the major credit reporting agencies. I did not receive correspondence from Vance and Huffman during their investigation period. 
However, I received a letter on XX/XX/XXXX dated XX/XX/XXXX from Vance and Huffman. The letter was a request for payment in the amount of {$2700.00}. I contacted Vance & Huffman on XX/XX/XXXX and was told by XXXX of the agents that because they received a new dispute from me that everything has been " reset '' and to please not dispute again, as they have restarted their investigation. 
This situation is impacting my credit and I DID NOT apply for this loan. I am not sure why the Lender XXXX XXXX XXXX  would send funds to an account that clearly was not verified. I do not understand why XXXX XXXX XXXX would accept electronic funds to a fraudulent checking account. This account did not bear my name. I have done all that has been asked of me, as this is a case of identity theft.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX PA XXXX
Product: Debt collection

XXXX XXXX, XXXX XXXX The purpose of this letter is to you that an improper investigation was conducted by your agency. You have to provide me with a copy of the original documentation for example, 1. A consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 
2. Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
3. Please be advised that under section 611 ( 5 ) ( A ) of the FDCPA you are required to ... .promptly DELETED all information which can not be verified. 
4.Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : A consumer reporting agency is not required to remove accurate derogatory information from a consumer file, unless the information is outdated under the section 605 or can not be verified. 
5. Pursuant to the Fair Debt Collections Practices Act, I requested verification/ validation of the debt including the following : 6. Copies of the information regarding the above-referenced debt, including statements, report, ledges, correspondence, notes organizations documents ( including any all application and usage/activity signature ) and documents relating to any assignment of such accounts to and/or from ant third parties. 
7. Please label all quantitative entries, such as dates, payments, credits identity, including its full name, address, state, and local license and state and federal tax numbers.

8. Also, please provide me with a complete description of clients identity, including its full name, address, state and local license and state and federal tax numbers.

9. Last but not least, you need to provide an original consumer contact with my wet-ink signature on it. 

Copies of copies are not a form of validation, and by law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. If you are unable to to prove me with a copy of the verifiable/validation proof that you have on file, within 30 calendar days from receipt of this notice, by the law you have to immediately remove the aforementioned item in dispute from my credit report.
Product: Credit reporting

XXXX XXXX broke our contract themselves by trying to rip me off and way overcharging me, forcing me to leave them and go with XXXX ( which is better any way ). I do n't owe them anything. If anyone owes anyone, they owe me the cost of having to purchase a phone though XXXX.