23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was told by my son 's school that we did n't qualify for a federal loan, so we got a private loan. He 's our only son ; never gave us an ounce of trouble, wanted to go to college and my husband and I did whatever it took to get him a college education. By XXXX grace, our son graduated XXXX 2015. My husband and I co-signed on the loans and the total amount that we are asked to pay back each month for XXXX loans is over {$1800.00} a month. That 's more than I make a month. There 's no way we can pay that much each month even if we sold our XXXX bedroom home and lived in a box. I 'm currently in deferment with Sallie Mae but the days are coming fast and they 'll be calling demanding the {$1800.00}. From what we 've heard, we 'll be paying Sallie Mae the rest of our lives, so all I want them to do is significantly decrease the monthly payment, making it affordable for us. We have every intention of paying the {$180000.00} ( yes you read correctly ) {$180000.00} for a show production degree that only pays $ XXXX/hr for my son. We just need help in getting the {$1800.00} reduced. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken steps to address the issue by bringing forward this false information. I have been victimized by identity theft, and your actions have resulted in significant stress and financial hardship. You have attributed products to me that I did not authorize or possess any accountability for. If you fail to address this complaint appropriately, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have hindered my ability to afford the car of my dreams and provide for my family.
Product: Debt collection

This company have repeatedly called my family and have discussed the situation and threatened legal action against me. This company already have my information but still continues to harass my family. My family can provide voicemails and call logs of this company violating the FDCPA law. Also this company uses terms like the " civil division of this law office '' in an attempt to scare and cause panic within my family. This company have been sent a cease of communication notice.
Product: Mortgage

I inherited my family home of over 30 years once my mother passed away in XX/XX/XXXX via family trust. I was not only successor trustee but solo benificary of her trust. For the past 7 years I've maintained the property with no problem. I recently fell on a financial hardship which caused me to fall behind on the mortgage. In the past when this has happened I was able to simply contact the lender and workout a payment arrangement with no problem. My loan was recently sold to a new servicing company, however I didn't think anything of it. I reached out to them to request a 6 month re payment plan and provided all documentation required back in XX/XX/XXXX. Every time I would request a status they would ask that I provide them with more documentation. This delay was extensive causing me to fall further behind. To date I'm behind {$14000.00}. I recently contacted them on XXXX   XX/XX/XXXX and the representative stated the borrower is dead and hung up in my face. I tried to explain that yes the initial borrow ie my mother has passed away something that has been in my file since XXXX, however I'm not deceased. The representative still hung up in my face as I requested to speak with a manager. Since I've placed several phone calls with no resolve and even faxed over a letter where I included a copy of our family trust. The property is recorded in my name so they are well aware it's mine. To date I've still not heard back. My property is worth a lot of money and I feel this company is trying to force me to lose my family home of 30 years. At this point I have the monies to pay the back and current mortgage payments, however they still will not contact me or speak with me. They have also blocked online access so I'm not able to go online to pay and bring the loan current.
Product: Credit reporting or other personal consumer reports

The account blance for XXXX XXXX Credit card blanace has not been reported and updates since XX/XX/year>. Need to report accurate information and update balance
Product: Debt collection

THIS DEBT IS MANY YEARS OLD AND IS SHOWING UP ON MY CREDIT HURTING THE LENGTH OF MY CREDIT HISTORY. THIS FALSE REPORT IS ILLEGAL AND SHOULD BE ELIMINATED.
Product: Credit card

This is for my Amazon Store Card. It is managed by Synchrony Bank. I have entered into a CONTRACT with Synchrony to pay a FIXED AMOUNT of {$27.00} per month until paid in full. Per the website and what I agreed to ... .. '' Your account is now enrolled in our Customer Assistance Plan. As a part of this payment plan, if your account is not already closed it will be permanently closed. Upon enrollment and for the duration of the payment plan, Synchrony Bank will reduce your APR to 0 %. '' I was erroneously and CONTRARY to this CONTRACT charged {$200.00} in interest on XX/XX/2024 and I was charged {$140.00} in interest on XX/XX/2024. I have asked via direct message on the website to correct this error. The response given said that I needed to call in. I will not call this company. To protect my rights I shall only deal in writing. This company has a penchant for saying one thing and doing another. This is yet another example.
Product: Prepaid card

My card was stolen and my funds has been taken away. I filed a dispute on XX/XX/2024. I have submitted police report and also a letter of dispute, and requested a provisional credit be granted while an investigation is being conducted. I still haven't gotten a response.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and I did not make or authorize these hard inquiries on my credit report. I did not authorize these companies to run these credit checks. I am requesting that the hard inquires be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).
Product: Debt collection

I am having an issue with Valley Credit out of XXXX Oregon. They are collecting on a debt that is already paid through garnishment from my employer. The total garnishment was for XXXX XXXX I will list out dates of payments below. Valley Credit stated they never received payment on XX/XX/XXXX of XXXX and garnishment me again on XX/XX/XXXX including an additional XXXX $ in fees. My employer stated they sent a check to the company in XXXX for the XXXX and reissued another check for them on XX/XX/XXXX in which the company cashed totalling the XXXX with check number XXXX. I spoke with Valley credit on XX/XX/XXXX to which XXXX the account holder stated they had not received payment, and to speak with my employer. It wasn't until XX/XX/XXXX that my employer provided me with a check number. I reached back out to Valley credit and she stated that they ended up received the check from XX/XX/XXXX issue date after we spoke on XX/XX/XXXX and that I am still responsible for the reissuement of the garnishment fees. Someone needs to investigate this company. They are practicing unfair collection rights in obtaining moneys that have already been paid. I should not be responsible for additional fees as my employer has already paid them. They are unwilling to work with people or even contact people letting them know they have a debt prior to any type of garnishments. They are only interested in collecting additional fees. I need this issue resolved and I need this company investigated in result of unfair business practice and collection attempts. 

XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX
Product: Debt collection

On numerous occasions I have called and written to XXXX XXXX starting in XXXX when I received the first incorrect billing statement for {$180.00}. I called to notify them that I had returned the equipment for my internet use. I returned the equipment to a dropbox location in XXXX, OK in XX/XX/2021 to a very overflowing box. After receiving the first incorrect bill, I had called XXXX and they told me to not pay the bill it can take a few cycles for billing to catch up because they were behind at their equipment intake center. I called in XXXX again about the bill. Then in XXXX, as noted in the emails attached I inquired about receiving my correct bill. I only every received 1 telephone call from the emails sent stating that their intake department was behind and that I can expect a correct bill in the mail next month. I never received the correct billing. I was still charged for the router on my statement even after multiple phone calls and emails. This was wrongly sent to collections when at all time I was willing to pay the correct bill. XXXX XXXX failed to respond to my written emails that would have accurately documented my requests and attempts at resolution. XXXX XXXX ignored my multiple requests for billing. This is sad because at all times I relied on their communication to me to just wait and be patient.
Product: Debt collection

LVNV FUNDING LLC is claiming that I owe them [ {$610.00} ] but I didn't recognize this debt, I do not recall signing any contract to do business with this said company. I suspect Fraud. I have disputed this debt with the credit bureaus, it was once removed but then reappeared on my credit report. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I took out a loan in XXXX 2014 for {$5700.00}. I 've made payments of {$450.00} since then and the total I 've paid since then is about {$8000.00}. I just recently got a payment history to see my balance due and almost none of my payments have applied to principal balance, almost all of it has gone towards interest! I spoke with a customer service rep today and they still want {$7000.00} to close account. I told them I no longer have a steady job or income and have been going through health/medical issues and have been in and out of the hospital. I just want to settle amount of another {$1000.00} to close account. I 've already paid back the {$5700.00} and interest of more than {$2000.00} and still going to give {$1000.00} to settle. I 'm trying to be honest with them and get a settlement and close my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. Account Name : XXXX XXXX XXXX account number : XXXX you have this account as closed with a balance of {$150.00}. but this account is fully paid-off and balance on it should be {$00.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. Credit card accounts were open in my name with the company XXXX. I worked with the creditor on numerous occasion and were able to resolve the issue. The creditor also sent alerts to all three major bureaus. Experian refuses to budge in removing the accounts. I have mailed in letters from the creditor, FTC Reports, police report and a slew of other requested documents and they still say the account has been verified. The creditor has stated they have not received disputes as of recently. Experian has also been in violation of FCRA by not sending method of verification or based on Section 609 what they have obtained to determine if the account belongs to me. I would like for these accounts on Experian to be removed.
Product: Debt collection

I terminated my lease at XXXX XXXX XXXX on XX/XX/XXXX and was informed, in-person, by my account manager that I would receive a bill via mail to my forwarding address if I had any outstanding debts to the apartment complex. I provided my forwarding address and they had both my email and phone number to contact me if necessary as well. 

I never received a bill nor any information on how to go about paying any potential bill, as my access to the tenant portal was terminated upon my lease termination. I was under the impression that, given the lack of notification or any contact of any kind from the apartment complex regarding any debts, that I did not owe them anything beyond my final payment of rent for XXXX XXXX XXXX XXXXXXXX. 

I received an email to my Junk folder on Monday, XX/XX/XXXX from a debt collector ( National Credit Systems , Inc. ) letting me know that I was indebted {$1800.00} on behalf of XXXX XXXX XXXX. 

I never received any sort of communications from the apartment complex via mail, email, or phone and they are claiming that they did in fact send the letter, but that it was returned ( again, I never received any letter ). Had I received this letter back in XXXX or XXXX of XXXX, I would have been happy to pay a bill to them. But again, I never received a bill. I never received any further communication from the apartment complex. The owner of the apartment complex claims to have contacted the debt collector, who claims that they attempted to, between XX/XX/XXXX and XX/XX/XXXX, call me 4 times, send me 3 emails, and send 2 pieces of physical mail. The only communications I have received are as follows : * I called the owner of the apartment complex to gather additional information at XXXX EST and to inquire about this notice of debt collection after I had initially seen it * 2 phone calls on Wednesday, XX/XX/XXXX, from the number XXXX : XXXX EST and XXXX EST * 2 phone calls on Thursday, XX/XX/XXXX, from the number XXXX : XXXX EST and XXXX EST. 

I have not lived in XXXX XXXXXXXX XXXX since XX/XX/XXXX and XX/XX/XXXX was my first notice of any debt being owed. I never had any opportunity to even attempt to pay this apparent bill -- it was simply sent to collections without my knowledge of its existence entirely. 

The debt collectors have also begun repeatedly calling and harassing family members since yesterday, XX/XX/XXXX. This has all been highly inappropriate and unprofessional. Additionally, the phone number that myself and family members have continued to receive calls from indicates that it is a scam and/or phishing number.
Product: Student loan

Edfinancial offers a slightly lowered interest rate on student loans if the account is enrolled in autopay. this encourages you to enroll to receive the benefit. 

Unfortunately their auto pay system does not function properly and never withdraws the payment from your linked account. This causes late fees to be charged and potential harm to a consumer 's credit through no fault of their own. 

I myself enrolled into auto pay for my student loan to the amount of XXXX starting in XX/XX/2023. When I logged into my student loan account to check it in late XXXX of 2023, I realized I had a past due balance of XXXX since the previous month 's payment was never actually taken out. I had to manually submit a payment to get this account brought current. I have multiple email confirmations of me setting up auto pay but it still does not function correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  investigation is wrong. Transunion & XXXX  changed this information.I paid a loan off with XXXX XXXX in XX/XX/XXXX. They reported me as 30 days late in XXXX. I had no more payments. They had an systems errror with there payment system. I should not be reported as late. I could have resubmitted. They never contacted me only falsely reported me as late.
Product: Vehicle loan or lease

Subject : Dispute of Charged-Off Account and Missing 1099-C Form Dear Digital Fed Credit Union , I am writing to dispute the information reported regarding my account ( Auto loan & the credit card ), specifically the " charged off '' status that has been indicated. According to IRS guidelines, when a debt is charged off, the creditor is required to issue a Form 1099-C, Cancellation of Debt.

As of today, I have not received the 1099-C form for this account, and I believe this constitutes a failure on your part to meet IRS reporting requirements. I am requesting that you either : 1. Provide me with the 1099-C form for the canceled debt, or 2. Remove the charged-off status from my account entirely if no 1099-C is issued.

If this matter is not resolved promptly, I will have no choice but to contact the IRS and report this as potential fraud and noncompliance with federal tax laws. I expect to hear from you within 30 days to confirm either the issuance of the 1099-C or the removal of the charged-off notation. 
Please treat this matter with the urgency it deserves. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. You do not have any permissible purpose to furnish my personal information to any third party. 15 USC $ 1681b Permissible purpose of consumer reports 1. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : ALL XXXX  XXXX ACCOUNTS / 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 ANY AND ALL ADDRESSES EXCEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ALL EMPLOYMENT EXCEPT STUDENT ALL  PHONE NUMBERS EXCEPT XXXX XXXX ANY AND ALL NAMES EXCEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ANY AND ALL CRIMINAL REECORDS Remove these Accounts from my Credit Report ALSO NEED TO SITE 15 U.S.C 1666B 15 U.S.C 1681 15 U.S.C 1692G
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take notice that I have taken all necessary step in supplying all needed evidence in order for the corporation ( s ) TRANSUNION/XXXX/XXXX to adjust and remove all negative reports from my credit file. As of X/X/2017 it is still reflecting the negative remarks as of XX/XX/2017, which is hindering me from any future financial growth. I am informing you of these direct '' violations '' with the desired outcome of you helping me in getting said violation removed from my credit report. as of today I will fax you copies of said completion on my behalf. Please help me help myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX for {$9000.00} does not belong to me. Debt was sold from XXXX XXXX to XXXX XXXX XXXX and does not belong to me. Please remove from Experian and XXXX Credit Bureaus.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. 16815-2 ( 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 inaccurate.