23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My credit profile is showing that I have an open account and balance with XXXX. XXXX is no longer my student loan provider. My XXXX account is closed and has a XXXX balance because my account has been transferred to XXXX. The issue I am having is that my credit report is showing 2 student loan account and balance. My credit reports shows a student loan balance of over {$100.00}, XXXX when it should only show a balance of around {$52000.00}. I have disputed the balances with all 3 credit bureaus but my account won't update to reflect the correct information. I only have 1 student loan provider and that is XXXX.
Product: Debt collection

In XXXX of XXXX I contacted XXXX XXXX to restart services on equipment that I had. When I contacted them, they informed me that I owed them {$XXXX} for services that was already started ( and now in arrears XXXX XXXX, XXXX, XXXX of XXXX. I had canceled service XXXX of XXXX. They told me that the services were suspended in XXXX of XXXX and would automatically restart 3 months later. I told them I was told that it was suspended to auto start in 3 months. I told them that is the way I remember it. I said I could not pay that and wouldn't pay it because I was not informed that the service were restarted. They said to send their equipment back and they would close the account and remove the amount. They didn't and since they refused to remove XXXX and I refuse to pay it, they have sent it to a collection agency. I reported to the collection agency the situation, then they move the account to another collection agency, explained again. Now I am done explaining. 

I am never going to pay it. XXXX should show I was an excellent customer for years until this. I will never recommend them to another potential customer. If I owed it I would pay it. It is a matter of principle.
Product: Debt collection

on XXXX XXXX ish I was contacted by a collection company hired on behalf of USAA Federal bank trying to again collect a debt that is not mine. 

The collection agent was rude and threatened me with legal action and I want to file a formal complaint. 

1st the call-in itself was ill-legal as I already sent them a letter in writing saying to NOT call me. ( see attached letter ) 2nd using near hate language is not acceptable to any human being in really any circumstance. But I guess that the quality of help USAA hires to save a buck. some fun quotes i have on recording " you are a piece of garbage if you do not pay your debt! you are under a contractual obligation to pay '' Colorado is a 1 party consent state when it comes to phone recordings. Since I already agreed to be recorded i started recording as well. I truly want these accounts gone now at this point. USAA does not get to hide behind a 3rd party debt collections company. I will submit my story and the audio clip of XXXX sec to XXXX XXXX XX/XX/XXXX if nothing is done. I'm not rich I can't afford an attorney but I can at least bring attention to USAA shardy practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I submit a mail certified letter to Toyota on XX/XX/XXXX explain whats going on with this car loan the is not supposed to be on my name I want them to reside this debt on my credit report
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX  # XXXX HAS VIOLATED MY RIGHTS XXXX5 U.S.C.1681 SECTION 602 A.STATES I HAVE THE RIGH OF PRIVACY.

15 U.S.C 11681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT FURNISH AN ACCOUNT WITHOUT MY WRITING INSTRUCTIONS
Product: Mortgage

Ameris bank holds my mortgage, try to re-fi with them in XXXX XXXX with thru process, got approved and a few days before closing was told that they did not know my home was a manufactured home even though they hold the loan. ( Paying for 20 years ) said they could not do a cash-out re-fi because of this. then offered a noncash-out re-fi. we said ok and sent in the new signed paper work. then 2 days later they ( ameris ) came back and said THEY COULD NOT DO LOAN because manufactured home was over 10 yrs old. paid money out for appraisal with a company that they said i had to use. having problems getting my appraisal fee back ( {$510.00} ). agent tried to give us a XXXX gift card for {$120.00}. we said NO. they said that they tried to get it back ( gift card ) but that we had already claimed the gift card ( but we did not ) and sent us the difference of {$380.00}. ( after a bunch of fighting for it ) .. XXXX  said somebody else claimed the gift card, but will not give us this info and said for the purchaser ( ameris ) to contact them. i have tried since XX/XX/XXXX to contact them ( mult voicemails ) and they will not return my phone call. have ALL E-MAILS AND DOCUMENTATION ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Dear CFPB, Thank you so very much for taking my complaint, I am truly grateful. I have attempted in every way possible to dispute Late payment errors that never occurred with My XXXX  Loans which has been in deferment/income-based repayment since I XXXX  in XXXX, I was never ever late because no payment was ever due. All 3 credit Bureaus refuse to correctly investigate and remove these late payments, they are reporting them incorrectly and the lates doesn't make any sense as to how they are reporting them, starting off with late 120 days, then okay, then another 120 days, then okay, late 180 days, etc. recordings that's totally unheard of and totally impossible, this is not possible for a payment was never due, they have the same account listed over 15 times on my report with the same number but with different amounts. I have asked to remove all the closed XXXX  loans accounts, they are incorrect and they have refused to do so per my request per certified return receipt requests, I request this 60 days so far, every 30 days and still nothing. They take away XXXX points for 1 inquiry and never restores those points within 90 days as promised. I asked for the contact information to whom they spoke with, nothing. I have sent in proof of My HIPPA violation by XXXX XXXX  of my Medical Debt information, per what they supplied to me that they ( XXXX XXXX- they could not provide me a Debt Validation, they sent medical information without a HIPPA relation ) were sent from the client, they refuse to remove. I have requested all old addresses and old phone numbers to be removed, I have been at my present address for over 9 years and I have had my current phone number for over 10 years. They insist on not removing Alias of my name, I have never ever went by any other name then XXXX XXXX XXXX, never, and I have explained and explained and the Bureaus refuses to remove this incorrect reporting data. At this point, In accordance with the Fair Credit Reporting Act Equifax, XXXX, and XXXX has violated my rights as listed below : 15 USC 1681 Section 602-States I have the right to privacy.

15 USC 1681 Section 604 A Section 2-It also states a consumer reporting agency can not furnish a account without my written instructions I am sure they are violating many more of my rights, these are just the ones I have found so far, the Credit Bureaus ( all 3 ) are targeting me just to keep my scores low and this is the behavior that is not acceptable. 

Resolution, all the late payments on my XXXX  Loans be removed Resolution, XXXX XXXX be totally Deleted off my account Remove all old addresses and name alias Thank you so very much, for your assistance is greatly appreciated. 
With Respect, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall 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 in accurate. 

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b - XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I took out a loan with one main financial the loan was XXXX XXXX XXXX interest but they charged me XXXX which is 100 % interest. You see I have XXXX and XXXX XXXX and I don't always have a XXXX XXXX. But I had XXXX credit cards they were charging me so much I couldn't eat I had to XXXX XXXX on all of them. I've made payment arrangements with three of them but that's all I can afford. Why would these companies give me XXXX dollars in credit when I make XXXX dollars a month. You see they all new I owned my house so they knew I couldn't pay them off every card was 25 % interest then inflation. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. If they knew I was XXXX why would they keep giving me cards. Your telling me they thought that a XXXX  XXXX  could afford XXXX lines of credit and a XXXX dollar a month loan sounds like a American scam to me. I wish to file a complaint on all my lines of credit from all my creditors I want them taken off my credit report and I want the loan to be cancelled because it was fraudulent. Ty for any help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX was the date our loan was due to XXXX. It was the date the merger took place. We had automatic payment set up from the start of the loan in XXXX with XXXX XXXX They took two payments. It took 8 weeks to resolve that. Within that time, my credit score dropped from XXXX to XXXX. They also changed our fixed rate to adjustable after the merger. They reported our loan going up one month instead of down when paying it. Again until XXXX, every months there were issues with the automatic payment being incorrectly applied to interest and principal. We had to pay extra one month due to them applying it incorrectly and refusing to correct it. On XXXX XXXX we paid a fee of {$15.00} to re-do the loan. The parent loan with the line of credit was closed and a child loan ( their term ) opened that was now a fixed rate loan that we could not longer draw off of. And we were NOT told that this now made our loan five years longer. A week later, they reported to all three credit bureaus our loan was now {$100000.00}. That stayed on the reports until XX/XX/XXXX with no one resolving the mistakes reported and changing those number that were incorrect with all three bureaus. The wrong payments on certain months show on the credit reports, this needs to be correct. Numbers didnt match anything that was actually paid.We have repeatedly called to get a supervisor. No one has called. On XX/XX/XXXX, I got notice from all three credit bureaus our credit score dropped XXXX pts. It seems that XXXX put out there wed only paid {$7.00} toward two loans with them as they also handle our XXXX payment. We pay a total of {$910.00} for both loans. Our home equity is {$440.00} fixed. Our personal loan is {$470.00}. 

We need this errors with all three credit bureaus corrected all the way back until the XXXX, XXXX. Each individual month needs to be done. We are unable to leave this bank to get a new loan as no one will now give us credit. We have are unable to apply for even a store credit card. We have been denied at every turn to have the opportunity to leave this bank. Our credit history has been solid since XXXX.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$22000.00} ; XXXX XXXX XXXX XXXX XXXX : {$8900.00} ; XXXX XXXX XXXX Owed : {$4100.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXXBalance Owed XXXX {$550.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$1800.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$160.00} ; XXXX ( OriginalCreditor : XXXX ) XXXX Balance Owed : {$2300.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My house is sold and I'm trying to get a mortgage but because experian is reporting my installment loan as a mortgage, they say it's because of the way it's being reported by XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed some unknown accounts and inquiries reporting on my report including collections accounts.. I also have a bankruptcy that I never filed. XXXX. XXXX, XXXX  ( XXXX ) {$21000.00}, XXXX ( XXXX XXXX  ) {$5200.00}, XXXX ( ( XXXX ) {$2500.00}, XXXX ( XXXX  XXXX ) {$540.00}, XXXX ( XXXX XXXX ) {$1000.00}, XXXX {$670.00}, XXXX ( XXXX XXXX ) XXXX, XXXX ( XXXX ) {$0.00}, XXXX ( XXXX XXXX XXXX  ) {$10000.00}, XXXX ( XXXX XXXX XXXX XXXX {$130.00}, XXXX ( XXXX XXXX XXXX XXXX {$530.00}, XXXX, ( XXXX XXXX  ) {$690.00}, XXXX XXXX XXXX XXXX ) {$1500.00}
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I noticed this account in my credit report I filed a complaint with the debt collection company. I asked them to remove it since it was not mine and I asked for the original contract. They sent me the contract and claimed it was verified with the original company to be mine due to my personal information being in the contract. However I looked at the contract and the information listed IS NOT MY PERSONAL INFORMATION. The phone number, email, the signature and the address was not mine. I can show proof of my signature by showing my drivers license, I can show proof of address by sharing a copy of my lease. And the phone number and email never belonged to me. I told the company Zion Debt this information and they are not trying to help resolve this. I need help to get this removed I can provide whatever information needed to make that happen. I told them that my name was fraudulently used. I submitted my lease from that year that proves I did not live there and it also had my email address on it that I also attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Student loan

I started loan repayment in XXXX of XXXX and am targeting PSLF. With the changes around COVID, I currently have XXXX payments. I have worked for a non-profit or not-for-profit since graduating from medical school in XXXX of XXXX. The " missing '' payments occurred from XXXX. There are 3 distinct time periods that should all be considered separately but, it would be easiest if it were possible to retroactively change the entire time period to a " hardship deferment ''. 

1 - I was accepted into a " full time '' online MBA program which started in XXXX of XXXX. However, I did not receive credit for payments for XX/XX/XXXX and XX/XX/XXXX and it is not clear to me why. 

2 - from XX/XX/XXXX to XX/XX/XXXX, I was indeed in a " full time '' online MBA program. However, I reached out to my servicer, Navient at the time, and requested to be taken off of deferment due to my ability to pay and my goals for PSLF. The representative at Navient told me that this could not be done and that my " payments '' would still count. Again, I was working for a PSFL eligible employer at this time. 

3 - On XX/XX/XXXX ( through XX/XX/XXXX ) I was in a residency program at a non-profit hospital. A hardship forbearance was requested sometime prior to this because my wife and I were struggling to make payments on her loans. However, with the legislation changes, I did not get any credit for the time which was considered a " hardship ''. 


As such, I would respectfully request to have the entirety of this period switched to a " hardship forbearance '' and thus eligible to be credited toward PSLF. If that is not possible, despite the misdirection by the servicer Navient, I would request that each time period be considered in its individuality. The timeframe in part 1 has no reason to not be included and its unclear to me why - perhaps an " administrative forbearance ''? The timeframe described in part 3 is a valid reason for " hardship forbearance '' and the servicer simply did not change me over as appropriate for the timeframe. 

Thanks in advance for any help you can provide in this area.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXXXXXX XXXX ) : Account Number : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I wasn't late. 
Thank You
Product: Money transfer, virtual currency, or money service

I am getting in touch with you because I have lost money being in my account opened in Coinbase. I have been subjected to fraudulent activities without any help from Coinbase. Despite my numerous calls and messages to Coinbase customer service and fraud department. Only my warning to XXXX  XXXX XXXX fraud department prevented even larger loss of my money. Coinbase tells that it uses robust security measures to protect its users from losing their funds or data to hackers. Unfortunately, I am the victims of Coinbases lack of security. 
Attached is a small portion of my long communication with Coinbase. 
Thus, I hope that you can help me to get my money back ( about {$6000.00} ). 
I am looking forward to hearing from you. Thank you.
Product: Mortgage

I applied for refinance with my existing lender Chase. They tricked me into paying {$500.00} deposit that they said will adjust at closing or will refund if denied the application request. Now they are saying they will not refund deposit not approve loan. I provided them all the papers in time. Since they had all the data as my current lender and knew that my rate will adjust to a much higher rate so they waited after 1 & 1/2 month kept asking me this and that papers and denied my loan day before my rate will adjust. Now I can't go to another lender in time without paying higher payment.They will also not refund my deposit ( {$500.00} ) that they tricked me into paying.Please help!

Lending consultant : XXXX XXXX | XXXX XXXX   Advisor | NMLS ID XXXX | XXXX XXXX | Chase | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX| Office : XXXX XXXX XXXX XXXX | Fax : XXXX | XXXX | XXXX XXXX | Lending Manager | NMLS ID XXXX | XXXX  | Office : XXXX
Product: Credit card or prepaid card

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was falsely mislead by CAPITAL ONE BANK d/b/a CAPITAL ONE. On XX/XX/2021, I filled out an application for a Platinum Secured Card from CAPITAL ONE. Once I filled out this application, it was approved and the application then became an instrument of value and was sold. Due to this fact, I should be able to have a zeroed out balance at the end of every billing cycle and should have an open-end credit plan pursuant to 15 USC 1602 . I was informed by CAPITAL ONE that I would need to make a security deposit in order to receive the card ( as advertised on their website ), so I made a deposit in the amount of {$200.00} on XX/XX/2021. I apologize about being ignorant of the law, but that is no longer the case. It is unlawful for CAPITAL ONE to have taken the {$200.00} in order to give me a credit card ; taking cash within a consumer credit transaction is illegal ( 15 USC 1605 ). Once I put in my application and it was approved, I extended my credit to CAPITAL ONE and should have received an open-end credit plan without having to make a security deposit.
Product: Debt collection

THERE IS A NON AGREED UPON AMOUNT CHARGED TO ME BUT NEVER SUBSTANTIATED IN THE BEGINNING. 
VALIDITY OF DEBT IN QUESTION WHAT IS THE FEE FOR?