23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For several years Ive had this phone number and some debt collector calls looking for a XXXX XXXX or XXXX. She must of had this phone number before they assigned it me 6 years ago. No matter how many times I tell them I'm not her and this is my work phone they tell me they will remove me from the call list but they continue to call leave messages and now they are sending text message trying to obtain money from me after Ive told them that I'm not this person and that they have the wrong phone number and person. They have been harassing me for over 6 years now and its become disturbing and stressful. I'm a XXXXXXXX XXXX XXXX  and this is my work phone and I can not afford the text messages they keep sending me. No mater what I do they are relentless in collecting their debt from the wrong person. I'm not XXXX XXXX she must have given them the wrong number and I'm suffering the consequences for her unpaid debt. TrueAccord is a debt collector I reached out to them again after they texted me on XX/XX/XXXX  to let them know that Ive never had an account with the said company and my name is not XXXX or XXXX. They are stating that this person took out a loan from XXXX XXXX XXXX XXXX for XXXX. I told them I this is not my account and they keep calling and texting me. Their pone number is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently notified all three bureaus that I am a victim of identity theft. I mailed and submitted online all required information. In return the credit bureau accused, and told me that I made my complaint in ERROR. this complaint is not an error
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

This AMER HONDA XXXX account is reporting derogatory information as reported in my Credit Bureaus . The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

AMER HONDA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Student loan

I borrowed about  15k i n   XX/XX/XXXX   to attend  XXXX   XXXX   XXXX   XXXX . At the time the loan was borrowed, the leander was  XXXX . Before  Navient  took over i had abou t 9k le ft on my loan. I just dont see how my loan as of   XX/XX/XXXX   is closer to  10K no w. Seems like my loan just keep getting bigger.
Product: Prepaid card

I purchased a XXXX {$220.00} prepaid giftcard on XX/XX/2023 to use some cash online. As I got the card I checked and made sure that I would be able to spend it online and went to their website and verified it would be possible. I went to try and use the card on XXXX and it failed. I called and they said it wouldn't go through to XXXX ( not stated anywhere for anyone to see ). So I tried paying through paypal and it didn't work. I called back and they said it would go through on XXXX, but it would go through on XXXX. I gave it a night and decided to try XXXX as a completely separate merchant. It didn't go through so I called and I was told that the card was only able to be used in store. I got XXXX different answers from XXXX  different reps and they didn't offer XXXX  resoloution on the issue.
Product: Student loan

In XX/XX/XXXX I was given 2 separate Parent Plus loans. XX/XX/XXXX {$22000.00} and XX/XX/XXXX {$15000.00}. In XX/XX/XXXX I Consolidated but those loans, XX/XX/XXXX {$38000.00}. {$22000.00} + {$15000.00} = {$37000.00} + interest = {$38000.00}. I have no clue how this happen but they took the 2 loans that I consolidated $ XXXX {$15000.00} and the new consolidated loan {$38000.00} and added them together. $ XXXX/ {$15000.00} + $ XXXX= {$76000.00}. I 'm collecting interest on all of this and I need this resolved. I called Navient/XXXX XXXX for months to fix this and they just gave me the run around. I ca n't pay on something that is wrong. I Do n't know how to fix this, I need help. I feel like my hands are tied on this, I want to resolve this so i can pay on it. Thanks for your Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not charged to me. My record shows that this account was Paid as agreed and Balance is 0.

THE XXXX XXXX XXXX XXXX {$0.00} ;
Product: Payday loan, title loan, or personal loan

I applied for an {$830.00} credit for purchase of a gaming console, and I was immediately declined. I have outstanding credit so this didn't make any sense to me. They did run my credit, and I received an inquiry, but they said it was declined because " APPLICANT 'S IDENTITY CAN NOT BE VERIFIED '', yet after checking with XXXX, which they used, I confirmed that the same info on the application is what was reported on my XXXX credit report. I immediately called Citizens One Bank, and they suggested I try again. It came back exactly the same. I had the rep file an appeal, and when I called back a few days later, there was still no response. I call back again a few days after that, and they again said they would appeal it. Today I called once again, and now they said they couldn't approve it because they could not verify my identity.
Product: Checking or savings account

I opened an account on line with XXXX XXXX XXXX in XXXX nv and proceeded to transfer about XXXX from my discover XXXX and realized I made a mistake so I ran down and closed the new account with XXXX  The banker who closed account said the money will just go back to my discover account! Never has and I have spend 2 months calling sitting on hold, hung up on. And no one will complete this issue! They keep sending me here and there and nothings been done! I am XXXX XXXX XXXX and need that money to live on, I can not believe a multi XXXX dollar bank can not find my money! There were 4 transactions of XXXX, XXXX, XXXX, and XXXX XXXX! The lower 3 have been returned???? Why not my XXXX? They have caused me great deal or stress and time wasted on the phone. I need someone to help me. XXXX please
Product: Mortgage

I purchased this home in 1997 at XXXX per month how come I still owe on it is what Im wondering Im already out XXXX dollars and they still say I owe XXXX.. idk what to do about this even with an 11 percent interest rate it should have been paid off by now
Product: Debt collection

Before the end of XXXX, I set up a payment arrangement to start paying back my debt with a collector 'Radius global ' who have my XXXX XXXX credit card debt. Upon realizing I would not make the money to pay that amount I went back online to edit the payment arrangement and the agreed upon settlement was no longer accessible and the website indicated a FULL original amount due, when I had accepted a letter and agreed upon a far less amount. I then called and spoke with them on XX/XX/XXXX at XXXXXXXX XXXX a few days after making the arrangment to inform them I need to update the payment and post it to a later date when I would receive my bonus. The man on the phone indicated that was fine and I would not be charged on this pay day ( XX/XX/XXXX ) however they did in fact charge my debit card even though I had advised them not to and that I would not have the funds available. They mislead me on the phone when I called and told me they would change the payment arrangment and also confirmed I was paying on a settlement amount but they have in fact removed that offer and are charging me a much higher total.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX  XXXX I have sent i have disputed an account that shows the wrong dates and stuff and asked to delete the information since they are reporting in accurate information all there reports shows the date open on one day and the letter that was sent to me was a wrong date so please delete
Product: Mortgage

On XX/XX/XXXX I'd submitted a mortgage refinance application in the amount of $ XXXX with XXXX XXXX, XXXX, Producing Lending Manager from Citibank XXXX, NMLS ID # XXXX in XXXX XXXX XXXX, New York. 
On XX/XX/XXXX the application was conditional approved. 
On XX/XX/XXXX I was told that my application had been assigned to an underwriter and that the closing could be any day. 
Between XX/XX/XXXX and XX/XX/XXXX, more than 20 emails initiated by me to inquire on the status and MLO, XXXX continued to tell me that it was being worked on. Meanwhile, my application had not been reviewed by any underwriter for 5 months. 
Finally, after numerous submissions of bank statements ( 4 times ), paystubs ( 3 times ), tax returns ( 2 times ), W2s ( 2times ), heloc subordination documents ( 2 times ) the closing date was set on XX/XX/XXXX at XXXX at the bank attorney 's office. 
I arrived at XXXX on XX/XX/XXXX at the attorney 's office for closing and waited until XXXX. The closing attorney finally came to meet me and informed me that there would be no closing until Citibank could straighten out the numbers. 
I phoned and emailed MLO, XXXX and his XXXX, XXXX XXXX for the next hour and did not receive any responses. Hours later MLO, XXXX emailed me and said we could close the next day. At this point I could not believe anything anymore so I had decided to take my business to another financial institution. 
Citimortgage, the lending department and MLO, XXXX XXXX have failed to handle my application in a timely manner ( 7 months and 19 days ) and still no closing. Communications was mostly one-sided initiated by me. Citibank management on all levels did not show any care and understanding through out the 7 plus months ordeal.
Product: Vehicle loan or lease

My 2017 XXXX XXXX XXXX was paid off in XXXX of this year. I have called multiple times regarding my title but all I keep getting from the customer service rep is that they are unable to reach the auction company. I expressed that they were negligent in not securing the title once payment was received and my acct was back in good standing. I spoke with a teamlead/ supervisor who stated she was working on a resolve but I haven't gotten an update or any documentation. I have composed a letter and will be sending it to the CEO of Hyundai Motor Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account opened XX/XX/2021, XXXX {$600.00}, Account improperly reported on my credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.Experian is a consumer reporting agencies and I am the Consumer. I have to make sure I have the rights to privacy of my information, also that my private info is not given/shared with anyone or any private corporation, ( " 15 USC 6801 '' ) Which states that, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. ( 15 USC 1681 ) section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. the financial institution and the Consumer reporting agencies ( XXXX XXXX XXXX and Experian, XXXX, XXXX ) do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked .15 USC 6802 ( b ) ( c ) states that '' A financial institution may not disclose non public personal information to an on affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. Never informed me of my right to exercise my non disclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which dates report by more than seven years. " This account is an adverse item they are reporting without my permission at all, and against the law knowing it is. 15 U.S.Code 1681s 2 ( A ) ( 1 ) A states '' A persons hall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information .is not correct. 15 U.S. Code 1681 estates '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title.XXXX, XXXX, and Experian Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at anytime. " I am opting out of your reporting services. DELETE ALL of the ACCOUNTS BELOW and ALL INFORMATION associated with them XXXX # XXXX.2.XXXX # XXXX.3.XXXX XXXX XXXX # XXXX.4.XXXX  XXXX XXXX.5.XXXX  XXXX # XXXX.6.XXXX # XXXX
Product: Debt collection

Collection charged appeared on my credit from XXXX XXXX. I contacted the dentist office last year advising them that my child had to have the braces removed because he complained about the pain. The braces were removed. He has not have any services in over 18 months from this dentist office. I left with a XXXX balance. I never received any calls, emails or letters advising of a debt. A debt appears on my credit with no fair warning or communication. There was not a balance when we left this office. Please remove this fraudulent balance from my credit report. The amount is fraudulent. I do not owe anything
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance. with fair credit reporting act XXXX account # 15 USC 1681Section 602 States I have right to privacy 15 USC 1681 604 A Section 2 : it also states a. consumer reporting agency can not furnish my account with out written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for a late payment
Product: Debt collection

XXXX XXXX XXXX XXXX./XXXX CREDIT CARD XXXX BALANCE {$1400.00} this was disputed with creditor as Fraud months ago and as a result the account was removed from all my credit reporting agencies as a fraud account and was advised to cease and desist all collections. And now Lyons, Doughty & veldhuis is attempting to collect and sending me collection notice on a previous disputed Fraud account opened thru XXXXXXXX XXXX. This is in violation of my Consumer Protection for FDCPA and Advise this Collection Agency to Cease & Desist all Collections on this Fraud Debt.
Product: Debt collection

Paid the XXXX service long time ago by insurance company, but still showed up in collection on XXXX.
Product: Debt collection

Hunter Warfield, XXXX, AZ is falsifying a claim that we owe {$1300.00} to one of their client XXXX XXXX XXXX. We have requested multiple times to Hunter Warfield and XXXX XXXX XXXX to provide us with detailed history of the new and renewal commissions we have earned since inception of the contract. This will facilitate reconciling the new and renewal commissions we have earned. They have refused to provide any information so far despite our multiple requests. 

Unless we are provided with the detailed records with history of new and renewal commissions earned since inception of the contract we are unable to determine what is owed to us.
Product: Credit reporting or other personal consumer reports

US Department of ED confirmed that my account went into Collections on XX/XX/2017 which would seem to suggest that the first day of XXXX had passed. 
Us Department of ED Account numbers XXXX XXXX XXXX XXXX XXXXXXXX is close to or past the time legally protected by the FCRA to be furnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello All, XXXX  Report I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX
Product: Debt collection

I received 4 identical pre-recorded voicemail messages on my cell phone from an Unknown caller ID # XXXX on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XX/XX/XXXX. The recordings stated that they were from CBSA Collections and provided a callback number of XXXX. On XXXX XX/XX/XXXX, I contacted the Registered Agent for the company with a demand letter identifying myself, explaining that I do not owe CBSA nor any other debt collector, and sought damages for willful violation of the Telephone Consumer Protection Act as well as Section 305.053 of the Texas Business and Commerce Code. I communicated with their attorney on multiple occasions by email and phone attempting to negotiate a settlement and avoid a lawsuit. On XXXX XX/XX/XXXX, I notified their attorney by email that I would settle the matter for {$12000.00}. As of XXXX XXXX, I have still not received a response to either that email or a phone message which I left with their attorney on the morning of XXXX XXXX. On the afternoon of XXXX XXXX I filed a small claims case seeking statutory damages as stated above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus through certified letters via the United States postal service over 30 days ago to have them investigate and remove this hard inquiry off of my credit reports. They have not responded this check into cash hit my credit report on XX/XX/18. I have not heard from the bureaus about my dispute request which violates the FCRA law, the credit bureaus has a responsibility to report accurate information and to respond to consumers in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX : {$8800.00} XXXX XXXX XXXX : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$8700.00} XXXX  XXXX XXXXBalance : {$0.00}
Product: Student loan

Today I called OSLA because my online access said their information did not match my information ( SS and DOB didn't change ). The rep who answered the phone immediately launched into a pitch about how I qualify for forgiveness under newly passed policies ( not true ). The conversation then included him encouraging me to say I couldn't afford my loan and to claim additional family members were living under my roof ( to lower my payment ) that are not residents of my home.

Ultimately he was selling me on refinancing my loan with an origination fee ( {$890.00} ) and a higher interest rate ( +2 % ) from my current rate.

This caught me off guard because I had called to straighten out an administrative thing and ended up in the middle of a high pressure sales pitch.

Agencies entrusted with servicing Dept of Education student loans should not be high pressure selling anything and encouraging fraud.
Product: Credit reporting or other personal consumer reports

Experian credit reporting application will not allow me to access my freeze. Im not able to login because Im not able to see if my credit has been frozen or I cant see if I can thaw my credit. Is the credit reporting agency Im having an issue with. Im not the only one this has been persistent for many months and Ive not been able to login for a good time. The last time I was able to login was XX/XX/2023. This company also makes it very, very hidden ways to actually view if my Social Security number has been frozen on Experian, the other two credit agencies, XXXX and XXXX XXXX I have no problem and I verify that my credit is frozen with them gives me the error that their side is down or theyre having problems or dont and I know for a fact, I have the correct ID and password When I try to call Experians toll-free number the system does not allow me to talk to a human. Ive spent numerous hours on hold and can not communicate with any human to help me gain access to my account.
Product: Debt collection

I applied for an apartment with XXXX XXXX XXXX in XXXX, NE and i got denied, so someone called XXXX XXXX who is a former resident at this time period offered me take over her lease which I agreed as I just moved to Nebraska and I needed a place to live in. When I talked with the property manager she said it should be fine and we shall take over the lease but there will not be any renewal. I agreed and moved my furniture also took over the utilities but after a month the property manager asked me to evict the apartment as there is no sublease, I offered them to pay the remaining balance in advance till the lease is over and I will move out as they already took two payments from me, but they took me to the court me and XXXX after a week the property manager was granted an eviction and got me locked out with a Sheriff order. I arranged to take my belongings out of the apartment to another place who approved me. The court has a judgment against XXXX for the remaining balance of her lease. Now I found the collection agency calling me for XXXX 's debt.
Product: Debt collection

Hi there, The reference # is XXXX, regarding XXXX XXXX XXXX. 

This is the first time I received the letter. On which address is this debt collection about? 

Please email me at XXXX or call my land line at XXXX. 

Regards, XXXX XXXX