23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX offered a settlement ( in writing ) in XXXX 2017, for a credit card debt with them. All payments were made, and on time. After the last payment was made, they apparently wanted to collect the remainder of the debt. They continued to disregard that the settlement agreement was fulfilled, and when I refused to pay any more ( all the while reporting a bad debt and lowering my credit score ), they eventually charged off the debt and sold it to XXXX XXXX. I provided them with documentation of the settlement agreement. The only response I got concerning my documentation was that according to their research, I still owe the debt. They have now forwarded the debt to debt collection lawyers ( Johnson Mark LLC ) of XXXX, Utah, who I assume are now planning to file suit on the matter. They say they same thing, that according to their research, I still owe the debt. At this point, apparently this definitely does need to come before a judge to decide whether a settlement agreement is enough, or that I should pay the balance on the account, even though it was the creditor, XXXX, who didnt fulfill their side of the agreement. And apparently, XXXX XXXX and Johnson Mark also do not think a settlement agreement was sufficient to keep XXXX from demanding the balance of the debt, as now XXXX XXXX is demanding the balance of the debt.
Product: Debt collection

Yes I sent out a letter stating want verification if the debt. On the right amount. I'm willing too offer then a settlement. I'm on XXXX in XXXX. Going thru hardship right now with bills. Again I'll settle. But for less owed. Again I'm on XXXX.w willing too work with them
Product: Credit reporting or other personal consumer reports

I had signed up for XXXX different accounts from XXXX XXXX, XXXX was for Rooms Today, the other was for XXXX XXXX. 

There was a huge confusion because they must have inputted my social security number incorrectly or it is someone from XXXX XXXX fault when this account was set up. 

The first company was not only not giving me information on my balance of my account and several other factors even though they knew my phone number, amount and date of purchase and everything but the social, which they wouldn't tell me what the correct one was. 

I pleaded with the rep and the XXXX, so there was a payment or XXXX missed, plus I was sick with XXXX during this time. 

I also have the other account with XXXX XXXXXXXX XXXX, I made the current payment and the next day I sent another {$500.00} that would be for another payment, I see it was receipted but yet still they contacted me today, saying that I missed XXXX 's payment then reported me late to bureaus. I'll attach the XXXX payments made in XXXX
Product: Credit reporting or other personal consumer reports

i discovered a credit card with XXXX  ive reached out multiple times they keep telling me its my account i have been telling them its not my account or did i ever have XXXX with them
Product: Debt collection

This complaint is in regards to harassing phone calls that i have been receiving from Ally Financial in regards to an auto loan that i currently have with this company. I been starting to have issues beginning with XXXX of last year. I had fell slightly behind with my auto loan in XXXX because I had a financial emergency. I have called Ally and explained what was going on and how i will be addressing the situation. However this company continues to call my phone repeatedly multiple times a day and leaves multiple messages a day and even got to the point of calling family members. I have called them on a few occasions to let them know that i do not want them calling my phone multiple times a day and not calling my family members at all. They have not to my knowledge called anymore of my family however they are sending text and repeatedly calling my phone.
Product: Mortgage

Good afternoon - I am writing in regards to my PMI ( Private Mortgage Insurance ) removal from my FHA Loan. I been paying my mortgage on time for over 4 years now ( Closed on the house in  XXXX   2013  ). I have asked the mortgage company multiple times to remove the PMI from my loan which is about {$450.00} per mo nth ( cl ose to {$5500.00} a year ). This is an extreme amount of money and is putting a huge financial strain on my family and finances. I have called and i sent messages to the bank and i keep getting rejected every time. I am always paying the mortgage on time and have never been late up to this point.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am disputing several inaccuracies and violations related to my credit report under the Fair Credit Reporting Act ( FCRA ). I am addressing various issues, such as unauthorized credit inquiries, incorrect personal information, and inaccurate reporting of debts and late payments. These violations include : Civil Liability for Willful Noncompliance ( FCRA Section 616 ) : The credit reporting agency accepted information about me without verifying its accuracy, which could lead to civil liability of up to {$1000.00} per violation.

Failure to Disclose Consumer Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : The agency failed to inform me of my right to opt out of sharing my personal information, which is a violation of my consumer rights.

Furnishing Inaccurate Information ( FCRA Section 623 ( a ) ( 3 ) ) : They reported incorrect accounts and inquiries without proper validation, which is deceptive and could violate Generally Accepted Accounting Principles ( GAAP ).

Debt Collection Violations : The agency allowed debt collectors to report inaccurate debts without proper consent, causing distress and harassment.

Late Payment Reporting : Late payments were reported on my credit report without proper clarification, making the entries deceptive and inaccurate.

Unauthorized Hard Inquiries ( FCRA Section 1681b ( a ) ( 2 ) ) : The agency made unauthorized credit inquiries on my report without my consent, violating the permissible purposes for such inquiries.

I have requested that these errors be corrected, including the removal of unauthorized inquiries and inaccurate accounts. I also demand that debt collectors provide proof of the debts they claim I owe, as required by FCRA Section 1692g, or remove those entries from my credit report.

I expect a prompt resolution of these issues. If not, I will pursue legal action based on the violations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/2019, I retrieved a copy of my credit report. I immediately noticed that Midwest Recovery Systems had placed derogatory entries on my credit reports. This collection agency has blatantly violated the law. Per FCRA, I should have been notified that they were attempting to collect a debt. Midwest Recovery did not provide a dunning letter nor any written correspondence to that end, ever notifying me of this alleged debt thus, forfeiting my consumer right to dispute the validity of this alleged debt. I have never heard of this company, never communicated with them, nor have I ever signed any contract with them. This erroneous, unverifiable entry must be removed from my report immediately due to the FCRA violation. See attached credit reports that reflect the recency of this entry on my credit reports. This inaccurate and unverifiable entry has caused great detriment to my credit reports and all at the fault of this 3rd party collection agency illegally inserting this erroneous information. DELETE THIS ENTRY IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

I sent XXXX in XXXX to my own Coinbase account on XX/XX/year>. The transaction was received ( shows in my Coinbase transactions ) and also shows as confirmed in their XXXX XXXX. The transaction continues to show as pending and my funds have not been released. I have contacted Coinbase customer support several times and have received the same response for over a week- we are looking into it, we have escalated it, be patient. No reason given for the delay. I am still able to transact on the platform and two other transactions from the same day and block were received with no issue. Today ( 9 days later ) they are saying the delay is due to a server issue. Again, there was no notification on their part about any kind of server issue and when I asked for a link to any communications about said server issue, the customer service agent stopped responding. I also asked about closing my account and what would happen with the pending funds if did close my account. The agent replied that the transaction would not complete and would remain in the originating wallet. This is untrue as the funds are no longer in the originating wallet which I confirmed with the sending entity. They confirmed that the funds went to Coinbase within 18 minutes of me sending. They also confirmed that there was no issue with the transaction from their end. It seems like Coinbase is trying to keep my funds. I have supplied screenshots of the transaction information which shows confirmed on their site. The successful transfer from the originating wallet
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost concern to TRANSUNION regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the XXXX XXXX XXXX XXXX XXXX XXXX, and I have attached the relevant documentation for your reference. The XXXX report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that XXXX conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Product: Credit reporting or other personal consumer reports

I am writing a letter because I saw wrong information on my credit record. I want you to reinvestigate and correct those incorrect data on my file. 
XXXX XXXX Balance Owed : {$4200.00} XXXX XXXX Balance Owed : {$8300.00} XXXX XXXX XXXX Balance Owed : {$42000.00} XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$500.00}
Product: Credit card or prepaid card

I was traveling in XXXX in XX/XX/XXXX. When I went out, I got the huge amounts spending notification from my Chase app, I called the customer service right away because I believe the transaction is wrong. When I talking to the customer service, the second and third huge amounts fraud transactions have been made until the fourth was failed. ( They should have the phone voice records ) The customer service said, " no worries if the transaction is not made by cardholder ''. And then I went back to my hotel, someone took my wallet in my room. I called the police with hotel staff assistance, they made a police report for the loss. I did also hire lawyers firm to sue the hotel because the counter passed the keycard of the room to someone who pretended is my brother. I won the lawsuit that sues the hotelin XXXX. The hotel claims are their mistake and proof those transactions not made by me ( because I am in the hotel, not the store ) and the signature of credit card bill is not match with the card. 

I thought I will be worries free with the card but after few months of disputed, Chase XXXX the fraud charges in my account, they said the store claim I took the items away ( but it is the theft, not me ), so they have to re-bill the charges to me. I submitted my police report and gave them the contact number of police, my police report number and the hotel management contacts for them to verify this case. However, Chase recovery team who took care of my case ignored my claim. ( In XXXX, the police don't give the hard copy of the police report, that is the hotel manager told me so they made a proof of police case number ) How is that possible that I have take this responsibility of the charges that not made by me? 
-- -- - CHASE BANK XX/XX/XXXX - XXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXX -  XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$4100.00}
Product: Credit card

We have been trying to pay down his credit card, but the interest rate keeps coming back twice as hard. Were never gon na be able to pay this card and we are both XXXX XXXX XXXX..Stealing
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : Listed below are the Accounts that are being challenged : XXXX XXXXXXXX - XXXX The reported delinquency and derogatory claims listed above appear to lack the necessary document proof required to substantiate their current, certifiably compliant, and physically verified accuracy, as mandated. Therefore, I respectfully request the immediate and complete removal of these negative entries to ensure compliance with ethical and lawful consumer credit reporting standards. 

XXXX - XXXX The reported delinquency and derogatory claims listed above appear to lack the necessary document proof required to substantiate their current, certifiably compliant, and physically verified accuracy, as mandated. Therefore, I respectfully request the immediate and complete removal of these negative entries to ensure compliance with ethical and lawful consumer credit reporting standards. 

Listed below are the Inquiries that are being challenged : XXXX XXXX  - XXXX I was quite surprised to discover an inquiry on my credit report, which I do not know of authorizing. As you may be aware, the Fair Credit Reporting Act mandates that no one may access an individual 's credit information without their explicit consent.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer from my brokerage account on XX/XX/25 to Crypto.com. Crypto.com rejected the wire transfer and told me it would be sent back to the originating bank account the wire transfer came from within five business days. This has been a lie. Crypto.com has been holding my wired funds illegally disregarding the Electronic Funds Transfer Act ( EFTA ). There customer service continues to misrepresent themselves and lie to me saying it will be five business days. It has been over five business days and my rejected wire transfer of {$1300.00} USD has still not been sent back to the original sending account.
Product: Student loan

Last year XXXX 2016, I contacted Navient 's Office of Customer Advocate via phone and email asking them once again I 've hit some hard times if I can please make lower monthly payments ( that was based on the principal only because its a 12-month repayment plan ). After about 30 minutes on the phone I asked to speak to a supervisor because what the representative was telling me was not paralleled to other previous conversations with other representatives in the past. After about an hour on the phone with the supervisor he was blatantly disrespectful instead of helping me with a resolution I had to hang up the phone because he was not customer service valued. Through my frustration in getting no where I wrote the below email : Thank you for your timely response in assisting me to find a better solution for my private student loans. You are correct, I had recently discussed alternative repayment options with Navient Private Collection Department on XXXX XXXX, 2016 and XXXX XXXX, 2016. What was not communicated to you properly is that on XXXX XXXX, 2016 I spoke to a female representative and a male supervisor and the option of the {$460.00} was never presented to me period. Both proceeded to say that the only option was {$560.00} and even throw out an outrageous number. Instead of being patience with me because I was not being confrontational the male supervisor raised his voice with me and was extremely disrespectful in not helping me find a solution at all then He proceeded to verbalized comments that was out of line. 

Through out that time my co-signer was harassed through out the day. Navient said that I as the borrower did not want to make payments so its up to him ; which was a lie. They threatened him with wage garnishes, they somehow got a hold of his wife personal cell number and harassed her and they would call after my co-signer after XXXX. 

School : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian have responded to me that they have verified the bankruptcy XXXX. 
The bankruptcy XXXX has been removed from the XXXX XXXX database. XXXX XXXX reports the bankruptcy and verifies that it has been removed. 
XXXX and Experian verified the bankruptcy in error or did not bother to verify at all. 
It has been removed from XXXX.
Product: Debt collection

On XXXX XXXX a investor representative from XXXX, Texas contacted me on my cell XXXX to alert me that my home was going to be place on a foreclosure for sale in XXXX County for {$260000.00} on XXXX XXXX. 
XXXX County Court Judge could be approving the foreclosure sale of my home, as Texas Laws are more in favor with major mortgage lenders and investors.

Round Point wanted me to more do VA Loan modifications and I just decline their offer, because of the sale of my home was unlawfully inflanted to get a high value in XXXX. 
New VA Lender will not reduce the price of my home to {$160.00} or $ XXXX in which on XX/XX/XXXX, this was suppose to be the price of the home and not {$240000.00}. 
My VA Loan is in fraud, scandal and corruptions and VA will not do nothing about it.

Now, New VA Lender Round Point Mortgage wants to put me in collection and ruin my credit and place on collections. 
I am XXXX XXXX and Retired and on Medical Care treament with XXXX XXXX XXXX in XXXX, California, since XX/XX/XXXX till XX/XX/XXXX. 
My home is not vacated as all my furnitures and personal property is in my house. 
Round Point is putting me out in the street with my XXXX status. 

Very Urgent Matters
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent to Equifax Credit Bureau. However, any modes of response or coordination were not taken on their end. Failure to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the accounts reporting on my Credit Report : XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXXBalance {$750.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXXBalance {$4900.00} XXXX XXXXBalance {$790.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying Experian {$27.00} per month for credit monitoring. This service includes being able to see reports from all three credit bureaus. Since XX/XX/2021 there has been an error on my account and my reports from Transunion and Equifax will not show or update on my Experian credit monitoring service. I expressed the issue to Experian customer service multiple times and they had no resolution and have not refunded my account. The only thing they did was cancel my credit monitoring services so I am not charged again, and tell me to figure it out on my own because they have no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account was in a forbearance until XX/XX/2021. I sold my house in XX/XX/2021. Even though my loan was closed current, paid in full and I was on a forbearance, XXXX  and Experian and XXXX  reported that I was over 30 days late for last month since I didn't pay last month because I was on forbearance. 

This has greatly affected my credit score - decreased 40 points. They have not found a way to resolve this matter. My mortgage company has stated that they submitted the information to the credit bureaus as paid in full and current but some how they are showing 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the inaccuracies and erroneous information being reported on my Credit File for a long time. However, the Credit Bureaus have been ignoring my requests and demand despite the letters and documents that I have been submitting to them. My dispute letters with complete attachments of my personal information and the Identity Theft Report I received from the FTC have been blatantly ignored by the Credit Bureaus. They continue to report the disputed accounts on my Credit File without properly providing any supporting documents to back up their claims that the information they report are accurate an up to date. It is my understanding that under section 605b of the Fair Credit Reporting Act ( FCRA ), it is the Credit Bureaus ' legal obligation to ensure that any unauthorized and unfamiliar accounts and information are promptly removed from a consumer 's credit file. Because of the Credit Bureaus ' negligence and indifference, I am worried of my Credit Worthiness. I am submitting this CFPB complaint in accordance with the Fair Credit Reporting act section 611, which allows me to dispute my own Credit File, and demand the Credit Bureaus to correct my Credit File from any inaccurate, erroneous, and fraudulent accounts and information by removing the following items : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Most of these accounts were already removed from other Credit Bureaus and it makes me wonder if the 3 major Credit Reporting agencies have been doing the exact same course of action, why does these accounts still remain only on their Credit bureau? I need the disputed accounts removed completely from my Credit File.