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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the 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 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: Student loan

Delta Management Associates began contacting 3rd parties in XXXX 2016, including friends and co-workers whose contact numbers even I do n't have in attempts to reach me. The people contacted were in absolutely no way used as references in any of my debts. 

Delta Management said they wanted to know my whereabouts out of concern for my physical well-being. I contacted them at that time to let them know they should only contact me, by calling me either on my personal or work phone numbers. 

I was informed on XXXX/XXXX/16 that Delta Management had begun this practice again. They are attempting to arrange monthly payment of my student loan that is currently in default despite submitting and already enforcing a wage garnishment. I informed them recently that I am unable to make an arrangement until XXXX 2016 but they 've continued to make these types of calls.
Product: Credit reporting or other personal consumer reports

Request a XXXX XXXX XXXX XXXX ( XXXX ) regarding an inaccurate collection account that appears on my credit report. The account in question is being reported by XXXX ( XXXX XXXX XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reported status of this account as " open '' is a clear violation of the Fair Credit Reporting Act ( FCRA ), as collection accounts should not be listed as open. Furthermore, parroting information provided by data furnishers without actual independent verification constitutes willful noncompliance, as established in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ). 
Pursuant to my rights under the FCRA ( 15 U.S.C. 1681i ), I am requesting : Complete and Itemized Media of Information on this account, including : The original signed agreement or contract. 
A full payment history and itemized breakdown of the alleged balance. 
Verification of your independent investigation into this accounts accuracy.

Immediate removal of this account from all three credit bureaus ( TransUnion, Equifax, and Experian ) due to its inaccurate reporting.

Failure to comply with this request will leave me with no choice but to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries that have appeared on my credit report. Despite multiple attempts to address this issue, I have yet to receive a satisfactory response from your agency.
Product: Student loan

Basically I'm the co-signer on my daughter 's student loan with Sallie Mae, a private lender. We had no idea the mess we were getting ourselves into when we took out student loans approximately 7 years ago. This company is a predatory lender and something needs to be done to stop them from continuing to do business. 

My daughter originally borrowed {$62000.00} for college. We found out much later that the loan has a variable interest rate. Never new that was possible except for mortgages. Anyway she's paid on the loan for approximately four years and did utilize some of the forbearance that were available. 

Currently, her loan balance is {$80000.00} and the current interest being charged is XXXX - 15 %. We contacted Sallie May XX/XX/2022 ( on or about ) to ask about payment reduction. We underwent a financial review and the only option given to us was to pay interest only for 6 mos. So instead of a {$1200.00} a month payment, we could pay {$950.00} the interest. Since we didn't see this as helping the situation, we declined. 

So currently, her payment coming up for XX/XX/XXXX is {$1300.00}. I've personally made the payments to bring her account current for XXXX, XXXX, XXXX, XXXX and will make the XXXX payment but my savings is nearly depleted and these payments are not sustainable. We have both depleted our savings and will have no alternative but to default. I'm making this complaint to see if there is any recourse for us. We would like to keep the loan in good standing but would need a reasonable loan payment amount. This company is ruthless, unscrupulous and they market themselves as helping people!! They need to be stopped!!! If you have any information about a class action law suit, please send it to me. Any other guidance you can provide will be appreciated!! Please reply as soon as possible. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was XXXX i opened my first credit card at XXXX 's. I was XXXX young and stupid and let it go to collections those calls were coming to my parents house and my dad paid off the debt. I had to work that money off so I know he paid off the debt it was around {$300.00}. Never removed from my credit. Fast foward what seems l ike 10 years because i am not XXXX it is still on my credit. That right there is reason it shouldnt be on my credit report anymore. The limit is 7 years. So it should be cleared just because of that and it was paid ... I call XXXX/XXXX is what it is listed on my credit report as credit report number XXXX ( equifax ) to just pay whatever they say i owe, the lady refused any payment frusterated i hung up. I called yesterday to get my account numbers i could file a claim to equifax the new person then refuses to give it to me saying its on my credit report and they can comfirm the last 4 digits.. its not on my credit report but ok. I filed a disput with equifax and havent heard anything back. I dont know what they or XXXX wants me to do. At this point its completely unfair to be on my credit. It was already paid, it's almost over 10 years ago, I try to pay it they refuse, I try to get my account number they refuse what do you want me to do. I cant report anything to the Attorney general or other higher fraud places because they wont give me an account number. Can you please help me.
Product: Credit card or prepaid card

I had a {$6800.00} limit on my Citibank card. It is under my Fsthers name, but I am an authorized user and use the card and make all the payments. 
I am a small business owner trying to make it through this pandemic. I am trying to find new ways to sell new products and there are some things I needed to use my credit card for as opposed to cash or check. Or at least it would have been more expedient. So, without having much cash on hand these days, I chose to pay down my citi card {$6000.00} in order to free up room to use it. 
The {$6000.00} payment was processed on XX/XX/XXXX, and then on XX/XX/XXXX Citi decreased my credit limit by {$6000.00} ... this has put me and my business in serious jeopardy. I dont have {$6000.00} to be pretty much wasted like that in a time like this. I would have just made the minimum payment if I knew this was going to happen. 
I have made all my payments on time and there are no issues with the credit bureaus as they claimed. There doesnt seem to be any valid reason for this move that they made other than to limit their exposure to other customers who arent paying their bill. 
They have me 10 different excuses why this happened, none of which made any sense. It seems awfully coincidental to me that I make a {$6000.00} payment, then 2 days later I get a email claiming some sudden issue with the credit bureau and they instantly lower my limit by that exact same amount of {$6000.00}??? 
We called the credit bureau as well, no issues. They said they didnt see why this would happen, there is nothing on their end that would explain this. 
This {$6000.00} is A TON of money for me and my business in these times. The consequences of them doing this to me could be catastrophic. I chose to make this kind of payment in good faith, and never thought I would be taken advantage of on this way, especially during these difficult times.
Product: Credit reporting or other personal consumer reports

I contacted XXXX  abt the fraudulent account on my credit report. XXXX XXXX  and XXXX tht isn't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attn : Customer Relations Department To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re- investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
[ Creditor/Collector Name, Account Number, Reason, & Instruction ] Account name : XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions15 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
The creditors address and telephone number The date you contacted the individual furnishers of information. 
The method of communication you used to verify the information The documentation used to verify the dispute I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I called Remex , Inc. ( XXXX ) and spoke with XXXX XXXX and with XXXX XXXX did not get her last name ) regarding a medical collection appearing on my credit report in the amount of {$120.00}. I asked if I can settle the account and obtain a letter stating the account will be deleted from my credit report. They informed me they can not delete it from my account unless I pay a debt from XX/XX/XXXX ( {$1200.00} + ), this debt does not appear on my credit report.. In the State of New Jersey, the statue of limitations on debt is 6 years. ( Collection of Debt on Account -- XXXX yrs. XXXX ). Basically they are holding my credit hostage unless I pay a debt that has past the statute of limitations. I am trying to obtain a mortgage and need to have these deleted from my report. When I advised them of the statute of limitations, they said that wasn't the law, when clearly it is. This is unethical in terms of trying to obtain payment on a debt that is no longer collectable.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXXXX/XX/XXXXI am writing to seek your help with a Mortgage Creditor XXXX Statebridge XXXX that refuses to report accurate consumer information and ask for your assistance. My wife and I have exited a XXXX Reorganization Bankruptcy XXXX XXXX. XXXX, which was closed over one year ago XX/XX/XXXX, as evidenced " Order Entering Final Decree and Closing Case '' .. 

Now in hopes of regaining our once impeccable credit and meeting all of our financial obligations for nearly 7 years, we request them to report payment history. No avail. We sent dozens of letters, phone calls and faxes, and providing proof of the closure and providing the " Final Decree '', and requesting they report our mortgage account to the credit bureaus.Again no avail. On phone calls, they simply state that they will " NEVER '' report our account to the bureaus. 

My wife and I fell into hard times during the Real Estate debacle XX/XX/XXXX. We filed for CH XXXX Reorganization to save our house and to hopefully begin to rebuild our credit. Now 6 1/2 years later, they refuse to report our impeccable payment history as required by the FCRA and Bankruptcy Rules. 

This is not a frivolous matter, and their refusal and inaccuracy is robbing us of the ability to gain any credit, which is the life blood of every single consumer. We ask that you assist us with this matter. Below is the Company/Account information. 

Statebridge Company - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXX XXXX # XXXX : XXXX and XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX AZ XXXX / Loan # XXXXThank you sincerely, XXXX and XXXX XXXXXXXXXXXX : Final XXXX
Product: Credit card

I tried to buy XXXX bus tickets at a kiosk in XXXX, XXXX on my last day in the city. ( XX/XX/year> ) The kiosk was malfunctioning and just cycled for a bit before giving back my credit card. I did not get to order the tickets and did not receive the tickets nor a receipt so it appeared that the transaction failed. I ended up having to use cash to buy the bus tickets. So I was shocked when I received my credit card bill ( XX/XX/XXXX ) and saw that I was charged almost {$200.00} at the bus station. I assumed it must have been an overcharge from when I spent less that {$20.00} on snacks at the station, since that was the only thing I bought from the station. I disputed the charge as an overcharge and then received notice that the charge was valid, that it was from the ticket kiosk, and that it was for TWENTY-FIVE tickets. Being that I did not receive a single ticket, I immediately called Chase to tell them it was a fraudulent charge and not an overcharge. On XX/XX/XXXX they asked for more information, like a receipt. I do not have a receipt because as far as I could tell, no transaction was made. On XX/XX/XXXX, They said to re-dispute the charge using the same dispute number and I immediately did so. In a few weeks ( XX/XX/XXXX ) I was told that that dispute was already closed. I called Chase again and they said that it was only closed because I re-disputed using the same number ( as I was told to do ). They told me to make a new dispute using a new number and gave me a new number to dispute with. I called again in XXXX and they said that they hadn't heard back from the vendor yet to give it more time and that the resolved dispute on XX/XX/XXXX was from the old dispute and not the new one. They told me to wait another few weeks. I have not heard anything so I called them again today and they told me that the dispute expired and can not be reopened. I don't understand how disputes can time out when Chase was the one dragging their feet. I no longer feel comfortable using my Chase card since I now know that a vendor can charge for whatever they want with no recourse.
Product: Debt collection

This is fraud. I have never done or contracted any agreement with the following companies therefore these accounts are fraudulent and are not permitted to be on my report. I also have not granted any of this companies permission or authority to conduct any fidicuary duties on my behalf. Any consent granted otherwise is now officially rescinded and any arbitration agreement opted out of. My right to privacy has been severely violated along with FCRA and FDCPA. I am demanding immediate deletion or show certified proof of alleged debt or agreement and that all transactions adhere to XXXX practices and guidelines. I can assure that none of these will be made available to me so these items need to be deleted permanently and immediately or I will seek damages to the highest extent of the law. 
- [ ] NATLCRSYSXXXX XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has made it so you can not submit a dispute as their system isnt working. It has been over a month that Equifax was supposed to remove the collection from XXXX. Also they are now reporting missed payments on a card that hasnt been open in years.
Product: Checking or savings account

I deposited a check and the check cleared but then chase bank had place my account on hold and I can not access my account, due to them wanting to verify the person who wrote the check, I have read chase bank has been doing this to a lot of customers holding peoples money for a month even up to 2 months, they should be verifying the money bank to bank not for me to provide a number for them to call to verify if the check is a fraud or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

This company is continuing the same business practices as described in legal action brought forth by CFPB. I am referring to the below which describes my situation exactly. 
WASHINGTON, D.C. The Consumer Financial Protection Bureau ( CFPB ) today filed a lawsuit against Freedom Debt Relief, the nations largest debt-settlement services provider, and its co-CEO XXXX XXXX for deceiving consumers. The CFPB alleges that Freedom charges consumers without settling their debts as promised, makes customers negotiate their own settlements, misleads them about its fees and the reach of its services, and fails to inform them of their rights to funds they deposited with the company. The CFPB is seeking compensation for harmed consumers, civil penalties, and an injunction against Freedom and XXXX to halt their unlawful conduct. 
I have had to start negotiaons myself, most of the creditors indicate no contact was made with Freedom debt relief on my behalf. Because of this XXXX card a creditor sued me, I stepped in and started negotiations with the creditors attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Re : Letter to remove inaccurate credit Information Recently I looked at a copy of my credit report and notice several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigating these items for me to ensure accurate. 
Here are the items I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX Total card ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bureaus XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX After your investigation is complete XXXX please send me the results via mail. 
Thank you in advance. 
XXXX XXXX XXXX
Product: Mortgage

I received statement of credit denial ( see attached Valley National Bank Credit Denial ) regarding refinance of home loan with Valley National Bank for primary residence. 
Complaint is regarding Valley National Bank is not refunding {$490.00} origination fee. 
According to Valley National Bank Disclosures and Authorization document, under section REFUND OF ORIGINATION CHARGE AND OTHER FEE ( see ( XXXX ) in attached Disclosures_And_Authorization document ) Origination Charge ( The amount collected ) is not refundable, except under the followingcircumstances : ( XXXX ) your application is denied and our decision is based on reasons other than valid underwritingconsiderations which we knew, or should have known, from the facts contained in your application ; My refinance loan was denied because of pending HOA litigation which was the fact contained in my application ( see attached CONDO ADDENDUM, provided with myloan refinance application. Look for " is the project the subject ... '' ). 

For that reason Valley National Bank has to refund {$490.00} origination fee. 

I spoke to XXXX, XXXX XXXX, and XXXX XXXX and they all said we ca n't sell/re sell your mortgage in secondary market due to pending HOA litigation and we ca n't approve refinance home loan. 
I did not get any answer from customer service or XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX Balance : {$0.00}.