23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1. NAVIENT ( private student loans ) have called me on my personal landline ( XXXX ) XXXX-XXXX at least once a day starting XX/XX/XXXX. This is my personal phone number. There are no other names listed on this account. 
2. My daughter, XXXX XXXX, has an outstanding loan with Navient. My daughter has informed me that she has tried to address this delinquency since XX/XX/XXXX, but it has been hampered by Navient and her serious medical conditions ( which Navient has been provided evidence ). 
3. I asked my daughter on XX/XX/XXXX, why Navient was calling my telephone number and asked her to stop them from calling me. I find these calls intimidating and harassing, especially since I know for certain that Navient is aware that I have no additional information I can provide to them. 
4. On XX/XX/XXXX, a fax was sent to Navient ( which they acknowledge as received ) wherein my daughter confirmed once again to Navient that they were in possession of her correct telephone number ( as is evidenced by her voicemail message as well ) and street address. 
5. My daughter has a letter dated less than thirty days earlier where she contacted Navient and provided the same contact information. 
6. The FDCPA prohibits a debt collector from contacting anyone but the actual debtor UNLESS THEY DO NOT HAVE CORRECT CONTACT INFORMATION. I request your agency ask Navient to demonstrate why they do not believe they have the accurate contact information ... especially since my daughter has been in communication with them as best as she physically can. They will not be able to establish that criteria.
Product: Checking or savings account

I opened an EZChoice Checking account with M & T bank on XXXX with a promotional offer of XXXX cash bonus after direct deposit of XXXX within 90 days ( XXXX XXXX XXXX XXXX. Upon fulfilling the requirement on XXXX, I sent out an secure message to the bank trying to confirm the bonus and the approximate date on which the bonus will be deposited. However, M & T bank denies the promotional code being attached to my account, and refusing to give out the bonus.
Product: Debt collection

on XX/XX/2023, received letter from Aargon Agency for a past due debt for XXXX XXXX of {$32.00}. 
On XX/XX/2023, responded via written letter asking for XXXX XXXX Billing reflecting a balance due of {$32.00}. I noted that I never received any past due invoices from XXXX XXXX since my last payment dated XX/XX/2023 and included a copy of the cleared check. 
On XX/XX/2023 received response from Aargon Agency with a XXXX XXXX ledger. 
I asked for the XXXX XXXX billing and expected a copy of the actual billing invoice of XXXX XXXX. 
On XX/XX/2023, called XXXX XXXX directly and spoke with XXXX in customer care. She is to provide copy of the XXXX XXXX bill reflecting the past due amount. I also requested that debt collection stop as i never received any communication from XXXX XXXX in XXXX or XXXX or even after the last payment done on XX/XX/2023. 
Please note : The collection letter dated XX/XX/2023 is unsigned and at the bottom it notates " Original Creditor '' as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Hi XXXX. 
A XXXX search of XXXX XXXX XXXX XXXX describes a retail apparel store, why would this be on the collection letter? 
Is this a collection scam? Thus the added need to request a copy of the XXXX XXXX billing NOT a ledger that can easily be made up.
Product: Credit reporting or other personal consumer reports

I have disputed this three times, and they are stopping me from purchasing a home for my ten-year-old. They are reporting my loans twice on my credit report. I reported them to the Fair Credit Act, and they said to come back and report them again. I have the documentation from XXXX. XXXX informed me that Experian never called them to discuss my information. As stated in my previous three disputes, Experian is not reporting my XXXX loans accurately. XXXX purchased the loans. They should only report to XXXX the loan server changed the amount and did not double. They are reporting them as XXXX it should only be XXXX. If the amount is not fixed this time, I will retain an attorney and take it to the media. 

Also see attached my XXXX loans are paid in full.
Product: Debt collection

Daughter of involved in an accident vehicle was a total loss. I did not have gap insurance and my daughter who was hit outside her vehicle has back has fractures and dental work. I can not pay at this time I have told them numbers told and we both receive calls daily I have spoken to them and explain paying the gap is not my prioity. Accident occured in XXXX and they call all XXXX people on contact list. On XXXX XXXX my parents home XXXX sister and my brother in law all answered there call and so its harrassment at this poiny. I have not moved my by hers have not changed and the call references at least once a month for the last XXXX. Just be a use I tired of repeating myself.
Product: Debt collection

I was contacted by XXXX  on behalf of XXXX claiming that I owe {$400.00}. I do not know where this debt came from -- it is not mine.
Product: Debt collection

I am a victim of identity theft. i filed necessary reports with police and ftc. I contacted this company multiple times and even disputed the account with the credit reporting agencies. I even filed a complaint through this portal before! it led to portfolio recovery associates sending me a validation letter with my name on it with bill from the original creditor that were sent to an address I never lived it. they never produced any documents with my signature, Identification or anything. Ive never even had the phone number associated with the account.
Product: Credit reporting, credit repair services, 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, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$8200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Received a collection notice with many phone calls afterwards from XXXX XXXX XXXX, XXXX. On XX/XX/2019, for the amount of {$8.00}, XXXX. 

I called them back ask for any evidence of such debt, they totally avoid my request and threaten to distort my credit.
Product: Credit card

On XX/XX/XXXX, I was presented with an offer from Chase to apply for the their Chase Freedom XXXX card. At the time, it said " We'll match your cash back after your first 12 months of spending with your Freedom XXXX Card ''. 

It has been 12 months and I haven't received this yet. I would like to receive this match as promised. I have a screenshot evidence of this offer.
Product: Credit reporting

Hello, my name is XXXX XXXX XXXX. You have listed at, XXXX XXXX XXXX, XXXX, XXXX , Ohio , XXXX. I have never live at this address.
Product: Credit card or prepaid card

There was a transaction on my card that I did not authorize. The Charge was for {$740.00}. I called the customer service filed a dispute, closed the card and was issued a new one. The card company closed the dispute case and did not find error. I did not authorize this transaction, I pay for cc protection and a monthly fee and they did nothing to get my money back. There was fraud on my card they made me pay to get a new one expedited because my paycheck was deposited the next day so I needed the money but i had to pay {$25.00}, My info was used without my consent and I had to pay {$25.00} to get a new card that is insane. They told me to write a written response to get a provisionary credit to my account for the unauthorized amount and I did so that never happened. The case is closed now and all they keep saying is wait XXXX business days to get the investigation summary sent to my email.
Product: Debt collection

In XXXX 2009 my personal information was compromised when my car was broken into and my handbag stolen. Since XXXX 2009 a series of accounts have been opened using my personal information this has caused my once great credit to plummet to zero. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
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 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  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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received results of an investigation from XXXX  on XX/XX/2019. They failed to remove derogatory items from my credit. I am frustrated because the same thing happened with the other two credit bureaus as well. I am frustrated because I thought that I followed the proper procedures in filing a police report and disputing the items that were identity theft. I have no control over what someone has done in my name but I am doing all that I can to get my credit back together. It's not fair that someone can take advantage of me and use my name and the credit bureaus ( XXXX, XXXX, and TransUnion ) fail to do their job in deleting the items.
Product: Mortgage

My mortgage company servicer, LoanCare received funds reported by LoanCare, from the California Mortgage Relief Program, to my my loan current through XX/XX/2022. 
The California Mortgage Relief Program notified me the funds stated by LoanCare had been transferred on XX/XX/2022. I was not able to access my account online or get a verification that LoanCare had received the funds to bring my loan current, until my first payment was due outside of this payoff by the state of CA, i.e. XXXX XXXX, 2022. On this date I saw that I was billed for XXXX late fees over the period of forbearance previous to the payoff request balance to LoanCare and being issued the funds by the California Mortgage Relief Program. When I called LoanCare to ask why these penalties were applied to my account, and if justified why werent they included in the amount requested to the California Mortgage Relief Program, I wasnt given answers and was told a supervisor would be calling me later to resolve the discrepancy. I never received a call nor any future calls promised by LoanCare. I also requested a balance sheet showing the charges of LoanCare for the money they received from the CA Mortgage Relief Program. Again they claimed they could not accommodate me and I received no response from any higher authorities as promised.
Product: Bank account or service

I opened a new business account with PNC Bank on XXXX XXXX, 2016 and then chose to enroll in their Merchant Services ( contract was signed XXXX XXXX, 2016 ). At the time of enrolling I was informed by their representative ( XXXX XXXX ) of the cost the fees to use the hardware for the term of my 4 year lease ( $ XXXX/month with ownership of device at the end of the term ) but was not informed about the potential for further monthly fees for using the associated software on the device. I was intending on replacing my current XXXX service with the XXXX station but was not informed that to make the XXXX function as my XXXX, I would need to purchase an additional software bundle that would cost me an additional {$29.00} a month for the lifetime of using the unit. Had I been fully informed about the potential for these additional fees I would not have signed the contract as it would not have been a sound business decision for me at the time.
Product: Checking or savings account

This business seems to have a false duplicate account with my name registered. I had an open account XXXX  which then then closed in XXXX. As of XXXX  this account concern has been a problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several disputes have been submitted regarding these accounts since XX/XX/2020. You can not validate a debt without following the proper validation laws. According to FCRA 15 USC 1692g, a debt must be validated within 30 days. Validation of a debt is an assess of action and the debt is not mine and it is not true. Also, according to 15 USC 1681 a ( e ) to validate a debt is to interview family, neighbors and associates of this debt who may have knowledge of this account but specific factual information does can not be mentioned.
Product: Credit reporting or other personal consumer reports

The distress stemming from this situation is tangible, affecting my XXXX XXXX and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Product: Money transfer, virtual currency, or money service

I was trying to buy an item from this person named XXXX XXXX. And I sent him the money on XX/XX/2019 and he didnt give me the merchandise that I was supposed to get for the price of {$27.00}. And after that I went to PayPal but they denied my claim so I did not get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a open XXXX XXXX account on my Equifax credit report. Reporting and changing my score monthly. It is not mine. I have disputed multiple times. Every time I call the equifax dispute center, they just advise me to call XXXX XXXX. Well, XXXX  XXXX cant do anything about it because I dont have an account with them for them to look at. The account is showing open as of XX/XX/XXXX. The date today is XX/XX/XXXX. Equifax has been ruining my credit and sending me in circles all this time. Its an equifax error. Having me call XXXX  XXXX every time they drop my dispute does nothing. There is nothing XXXX XXXX can do for me, without having an account or ever having an account.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Identity Theft Complaint Regarding Fraudulent Accounts with XXXXXXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally file a complaint regarding identity theft that has resulted in the establishment of fraudulent accounts in my name with XXXXXXXX XXXX XXXX  I have discovered two accounts that I did not open, and I believe my personal information has been compromised. Details of the Fraudulent Accounts : XXXX. Account Number : XXXX Date Opened : XX/XX/year> XXXX : {$1800.00} XXXX. Account Number XXXX Date Opened : XX/XX/year> Balance : {$2900.00} XXXX first became aware of these accounts when I reviewed my credit report on [ insert date you reviewed your report ]. Upon noticing these accounts, I immediately contacted XXXXXXXX XXXX XXXXXXXX to dispute the validity of these accounts and to inform them that I am a victim of identity theft. I have provided them with the necessary documentation, including a police report and proof of my identity, but I have yet to receive a satisfactory resolution. I am requesting that XXXX XXXX XXXXXXXX take the following actions : XXXX. Remove the fraudulent accounts from my credit report with all three major credit bureaus ( Equifax, XXXX ). XXXX. Provide me with written confirmation that the accounts have been closed and removed from my credit history. In addition to the above, I would like to request the assistance of the Consumer Financial Protection Bureau in investigating this matter and ensuring that my rights as a consumer are upheld. It is crucial for me to restore my credit and protect my financial identity. I have attached copies of relevant documents, including my identification, the police report, and any correspondence with XXXXXXXX XXXX XXXXXXXX regarding this matter. Thank you for your attention to this serious issue. I look forward to your prompt response and assistance in resolving this matter. Sincerely, XXXX XXXX XXXX
Product: Debt collection

Selene Finance is been asking me for proof of hazard insurance of my apartment. As I leave in a condominium, following their request, the condo association sent proof of the insurance several times. 
0n XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 the condo association spoke with the following customer reps from the above company, to no avail : XXXX, ID XXXX ; XXXX, ID XXXX ; XXXX, ID XXXX and XXXX, ID XXXX. The proof of insurance was also faxed to Selene Financial for five times but the company still ask for proof of insurance. 
At this time, Selene Financial does not want to take note of the condo association phone calls or faxes showing the proof that the hazard insurance is been paid and they purchased themselves insurance for my apartment for about XXXX per year. They hold me responsible for this amount of money and started to charge me late fees on my mortgage payments. I want also to mention that the insurance on the apartment has never expired, being renewed in time by the condo association. 
They went so far as to return to me the checks I send as mortgage payments. Their motivation would be that the payment of {$740.00} I pay as monthly mortgage " is less than the amount required to cure the default on your loan ''. 
Please help me as I am XXXX years old, I live on a social security pension and I have several, very serious health issues. 
Attached you will find proof of the way this company treats me as a consumer, taking advantage of my age and my financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I rally need some help here I feel like these credit reporting companies are ignoring me. I've called numerous times i've disputed incorrect information i saw on my account since XXXX and I haven't heard a single verification, response or anything. These companies are in violation of 15 united states code 1681 ( i ) it has been almost 70 days and they are really causing me stress since these inaccurate items are hurting my credit report. I asked them for simple proof as to who the debts belonged to and they haven't even been able to provide me that. The debts are not mine. I reached out to the debt collecting companies too but still no luck. I have no idea what else to do because i don't want to go to litigation with these companies but i really have no other choice. I know you are here to protect us so please help me. My information also may have been compromised in the XXXX and XXXX data breaches
Product: Debt collection

Midland funding Llc has added a collection to my XXXX  file. I do not recognize. I sent a dispute to XXXX  regarding this account. Midland sent me a copy of a statement from 2016 that does not have my name or any other information on it. It just says the amount of {$920.00} is due
Product: Payday loan, title loan, or personal loan

Not real sure what happened when I filed my taxes this year I did a credit report and on that credit report there was ridiculous charges I'll tell you right now all I owe in debt {$1200.00} to XXXX XXXX and maybe a couple of water bills from the past at XXXX  Bill bunch of XXXX but not to XXXX toXXXX XXXX is claimed on my report
Product: Credit card

On XX/XX/2023 I called XXXX XXXX and asked they not charge my credit card on the XXXX {$1000.00} ... .they refused .... I then called called the Wells Fargo business credit card department to stop any further charges from XXXX XXXX... XXXX suggested we cancel the credit card that XXXX XXXX was charging and then issue a new business credit card with a new account number... XXXX XXXX was unable to charge the credit card on the XXXX as it had been cancelled... I use a bookeeper that reconciles my checking and credit card accounts but she failed to bring to my attention a charge on the new credit card # XXXX of {$500.00} from XXXX XXXX on XX/XX/2023 and and a charge of {$610.00} from XXXX XXXX on the same new credit card # XXXX on XX/XX/2023 ... XXXX XX/XX/XXXX I contacted the Wells Fargo Fraud department a gave them a full picture of what had happened and suggested that someone inside Wells Fargo must have given out the new credit card #. I was told they would open a fraud situation and that some one would contact me within 2 days ... ..on Friday the XXXX I received a call from XXXX from XXXXhe " Executive Office of Fraud '' Wells Fargo and she was unaware of the facts in this situation ... .she assured me she would be the one to call me back ... XXXX, the XXXX of XXXX, I spent an hour and thirty minutes getting bounced around from department to department and finally to a XXXX in the Fraud office who told me there was no case open on my situation but that she would cancel my current card and open the case on this situation.I asked for a case # and she said she did not have one..she gave me a phone number for the fraud office of ... XXXX for me to contact someone .....