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

I have a credit been trying since XX/XX/XXXX of XX/XX/XXXX to have access to my credit card statements to pay my bill and continue to not receive them nor have they put them back on my bank account as I have asked them to do. This has caused me to pay thousands of dollars in interest and I feel that I should not have had to pay that and at this point I am looking to hire a lawyer to get this handled due to the hardship this has caused. 

I had the business credit card linked to my account so that I could pay the card, I fell behind on my payments and in XX/XX/XXXX of XX/XX/XXXX they took it off of XXXX XXXX website so I could no longer see what I owed. I went to the bank in XX/XX/XXXX and was advised I would have to call and discuss directly with XXXX XXXX XXXX. On XX/XX/XXXX I spoke with them and was told I had to make a payment ( which I did to bring my account current ). They then advised me they would put it back on the website so I could keep current. ( for reference all conversations were recorded by them ). They did not put it back on and I did not get any statements in the mail either. On XX/XX/XXXX I called again trying to get it put back on so I could pay my bills - again I was told I had to pay to bring my account up to date ( I did again ) I was assured that It would be placed back on my XXXX XXXX account to see the statements for payment. This did not happen again - same scenario on XX/XX/XXXX - XX/XX/XXXX which I was absolutely assured it would be. I called again in XX/XX/XXXX and they pulled up the phone calls and said oh yes it was supposed to be back on within two days from the call on XX/XX/XXXX but oh wait we need to now send you paperwork for you to fill out so it can go back on. I received the paperwork this morning. This has caused my credit rating to go down considerably, as well as cost me thousands of dollars in Interest. I would like them to repay the interest as well as fix my credit rating. I really tried to stay on top of this but how do you pay a bill if you don't have anything to pay against?? As far as I am concerned they can close the card and EAT the monies owed them. 

Help - please. 

Thank you
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dear CFPB : By the provisions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordance with the written instructions of the consumer to whom it relates to. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately. 

XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXXXXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXXXXXX XXXX  : Account XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX : Account number : XXXX :, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX : Account number : XXXX I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today!
Product: Credit reporting or other personal consumer reports

Experian owns " Experian Clarity Services '' ( XXXX ). Experian has my personal information for my credit history. I am able to freeze and unfreeze my credit with Experian. XXXX is owned by Experian but claims they have none of my information yet XXXX reports a credit freeze on my credit report and this halts me getting a loan. I am unable to remove the credit freeze with XXXX. I AM ABLE to place and remove a credit freeze with Experian ( Owner of XXXX ). 

XXXX requires me to send via snail mail or fax my social security card, birth certificate, and other private information. 

XXXX MUST GET THEIR OWN SYSTEM UPDATED FROM THEIR OWNER COMPANY Experian so I can start/stop credit freezes when I need. 

I refuse to send this personal information to XXXX thru the mail. No way. I've already had my identity stolen.
Product: Credit card or prepaid card

On XX/XX/2018 I contacted Citibank to dispute a transaction on my mastercard. Citibank refused to dispute the transaction and insisted I call back at a later time. I complained and Citibank responded by cancelling my card. They have since agreed to reopen it, but want me to wait seven days to fix their mistake which is unacceptable to me. I have several bills paid each month with this card and need it active immediately. I also need the {$51.00} charged by XXXX XXXX immediately corrected to {$48.00} that I should have been charged. 

Also I was forced to change the user name to access my account online several years ago and want it immediately changed back to the previous user name.
Product: Debt or credit management

In XXXX  My account with XXXX XXXX had to be charged off. I was going through a bad divorce in which I was unemployed and my husband refused to pay spousal support. After the sale of some properties I reached out to Midland Credit Management and offered a lump sum settlement of {$3000.00}. They refused. Afterwhich, I found myself applying for Social Security and living on a limited income. I thought I was acting in good faith by setting up a payment arrangement with them only to realize that I would be paying this for the rest of my life and that I could not afford the extra amount. I requested that they drop the issue due to hardship. They refused. Instead, they began sending me false statements that they had filed with the court. I asked them to stop. They continue to report the amount as a bad debt which has adversely affected my ability to take care of basic needs. This has been going on for 6 years. Since then the interest now amounts to 60 % of what the original charge off was.
Product: Debt collection

this collector has been calling everyday, i was told my medical bill was paid for by my XXXX insurance should have paid for it, but later, they submitted 2 derogatory remarks on credit report. So, i paid XXXX for settlement, but i was told the medical insurance paid for it. but i dont need any of this on my credit report. i would really like for them to refund me my XXXX if my insurance paid for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX  only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Product: Debt collection

This company is using illegal and intimidating tactics to collect a very old debt they purchased from another party -- I saw that the primary and initial party closed the account when I was looking at my credit report recently-but they were not contact information as to whom and how to remedy the debt. Myself and a debt expert sat to consolidate my debt and could not find where or who to contact. We figure they'll either call or email or mail me in time since ive change addresses a few times ( Yet got everything forwarded to my new address ). They failed to make contact. They failed to do their due diligence. They also failed to notify of measures they may take. They failed to introduce themselves and offer debt management or other sensical or logical options. Garnishment? It's ridiculous, futile and fraudulent.
Product: Debt collection

This charge is for my son 's lease on an apartment while he was in college. We hired an attorney to get him out of the lease because of proven mold issues and negligence. This lease was only signed by him at the time of termination. He indeed turned his key into the office but they are saying that he did not so they are charging him {$100.00}. I was a co-signer on the previous year lease but was not on this second year lease, that is how they have my information. This is direct retaliation for them having to terminate the lease agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Mortgage

I need your assistance with US Bank Home Mortgage. I acquired the mortgage ( $ XXXX, XXXX ) through XXXX and it was sold to US BANK Home Mtg. The current status of my mortgage ( outstanding principal $ XXXX ), home is insured through XXXX and they estimate its value at $ XXXX. I have been paying PMI since XXXX. In the past few years I have been questioning why I am paying PMI ... .US Bank continues to ask for {$500.00} to appraise the home and do not give me the magic number they are looking for ... .just continue to press for the {$500.00}. Since I have been inquiring about PMI, the payment has miraculously dropped from {$87.00} ( XX/XX/XXXX ) to {$48.00} ( XX/XX/XXXX ) .with no explanation. 

Their customer service is such that you get passed from department to department, in a variety of states. I need help in getting the PMI totally removed from my mortgage and a REFUND of PMI for the past year. 

I have written numerous times, and telephoning is quite frustrating as there are so many people that I speak to and they all say different things. 

please help
Product: Debt collection

On XX/XX/2023, I requested that Jefferson Capital provide debt validation on an alleged debt owed from XXXX XXXX XXXX in the amount of XXXX, and the letter was sent certified mail. Within the letter I asked in totality the following documentations without exceptions as stated below in quotation marks. 

" I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2023, and identified the debt as XXXXXXXX XXXX XXXX in the amount of {$480.00}. 

As a result of this outreach, I am requesting you to provide me with a validation of the debt that was highlighted in the letter previously sent. This is not a refusal to pay, simply my notice that your claim is in dispute and that validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ). '' As a result of this dispute, I need more information regarding this debt. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement with my signature that created my original requirement to pay? 

Also, during this verification please supply me with the following information. 

The amount and age of the debt, including : State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

A signed contract ( i.e., HIPAA release form ) that bears my signature with the original creditor that transferred to your agency when purchasing the debt. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Have you decided that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 

Details about your authority to collect this debt. 

I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. '' On XX/XX/2023, I have not received these documents as requested yet I received notification that Jefferson Capital has reported this account on my credit report without proper validation of the debt belonging to me, thus violating my Consumer Rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXHowever , they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX on my credit report. The late payments in question were marked on the following account ( s ) on the respective date ( s ) : LATE PAYMENT DAY : 01/2019 Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute. 
Additionally, I am requesting that XXXX provide , in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ). 
Per the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Mortgage

Harrasing and degrading phone calls .On XXXX/XXXX/2016 my mortgage called my work cell number after my numerous requests to stop contacting me through this number, As my employer does not allow these types of calls. my mortgage company has the number to reach my spouse to handle these calls. I contacted my spouse, to call the mortgage company. My spouse got in touch with our account rep, the representative proceeded to tell her my account was past due and i had to pay immedietly. When my wife told her when we could pay the payment the rep. stated we had to pay XXXX my mortgage is only XXXX, when my wife told her we could only pay the one full payment she stated, '' you need to sign your house back over to us because you obviously can not afford a home " this is a direct qoute from our rep. We are only late for the month of XXXX. The only reason we got behind was from the mortgage company drafting a XXXX payment out of my checking account after my last payment was already paid. this of course put my checking account in the negative causing over XXXX in over draft fees. It took my mortgage company a week to refund there mistake. being a family that lives week to week of course this put us behind. The told us they werent responsible for any overdraft fees and with limited funds i could not afford an attorney, So that left us trying to dig outta a hole they created .And luckily We have names, dates, reciepts as proof that this is not a fabrication of events. This IS how Ditech mortgage handles business.
Product: Student loan

This complaint is due to my account being placed in default and charged {$10000.00} in interest due to delays and errors in processing my IDR application.

I filled out my application for IDR/SAVE on XX/XX/XXXX via the studentaid.gov website. Noticing my application wasn't processed after the XXXX  day processing time, I called MOHELA on XX/XX/XXXX and was told that I need to resubmit my income self-certification because it was never received ( even though it was uploaded on the studentaid.gov website.

MOHELA then placed me on administrative forbearance and continued to charge me thousands of dollars in interest and application was still not processed. The administrative forbearance ended on XX/XX/XXXX and I was charged a monthly payment of about {$3400.00} ( when my SAVE plan payment should've been {$300.00} ). My account therefore went into default. 

On XX/XX/XXXX, I called and spoke with XXXX who transferred me to the advanced team and I spoke with XXXX. XXXX was helpful but did not offer an explanation for why application has still not been processed. XXXX stated that if I pay {$5.00} immediately over the phone she can process the application. I promptly complied and paid the {$5.00}.

After some additional delays my account now shows that I am in the SAVE plan and that my first payment is due on XX/XX/XXXX. However I still have the following XXXX  problems that I contacted MOHELA regarding at least XXXX times both by phone and email. 

1 ) My account was charged {$10000.00} in interest that should '' ve never been charged had I been allowed to make my monthly payments. I would like to get this money refunded. The XXXX XXXX stated that people in my situation will not be charged interest until matter is resolved. But I can't get MOHELA to honor the directive. 

2 ) Due to the delays, my account is in default. I called regarding this on XXXXXX/XX/XXXX and was told that my account should've never been taken out of forbearance while waiting and that the finance department will be contacted to fix this and take my account out of default. This still has yet to happen and my account is past due for about {$3700.00}. I am concerned that the default will not allow my future payments to be accurately applied to my monthly payment and therefore I will miss out on the subsidies that the SAVE plan provides. 


Thanks for your help XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keep pulling my credit without my authorization I did not give this company permission to pull my credit I am not in the market to purchase a home
Product: Checking or savings account

Suntrust bank took my money, discriminated against me and my family as well as using discriminatory tactics in our business encounter. They let my XXXX wife access my personal account deposit a check as well as make a withdrawal from my account. Same type check that they closed my account as well as tell me theyre breaking ties with me and im bad for business. At least thats the way i took it especially when SUNTRUSTS reason for their actions was '' They had confidential information that my check was no good .... 
that was XXXX. ITS XXXX now. Oh and please let me touch on miss you dont need your money back XXXX XXXX. She stated that she worked for Consumer Financial Protection Bureau, Well. I ask miss XXXX WHO are you protecting ... .. Miss XXXX XXXX said she Respectfully decline my requests.All of Suntrusts disclosures say they may and will put a hold on checks and what have you but there disclosures say they wont hold the item for more than ten days. I have XXXX children under the age of XXXX, and I promise you miss XXXX that my chlidren can not eat that XXXX. Your Fraud departeent said that there was nothing wrong ... ... ... ... HHHeeeLLLooooooo
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX # XXXX Amount : XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX XXXX  Account Number : XXXX Amount : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX 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 an account without my written instructions