23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I suddenly got a late payment delinquency report made by XXXX XXXX  from my credit bureau -XXXX  XXXX in the first week of XXXX. I called XXXX XXXX, right away and upon checking they apologised to me, and I was told that if I make the outstanding payment of {$220.00} ; the late payment report will be removed, and that I should dispute it with XXXX  so that they can support it as well. But the agent I spoke to lied to me. 
When I reported this, they reported back to XXXX that the report was valid. This is why I am now making this complaint. 

I was pretty much shocked and found it unbelievable because to my knowledge I had set up a payment plan with them not too long ago when I had called about the impact of the pandemic and the need to have my interest rates reduced. The outcome of that call about two months ago was that they told me there was a pandemic hardship program that will help to alleviate that problem. 

But, from what I can gather, they were more interested in getting me to delinquency, because in the next billing cycle, they just suddenly report me delinquent with no credible explanation. 
This action had also damaged my credit report thus making me further unable to make payments or get loans. As a direct result of this problem, they caused my APR to rise to over 15 percent when trying to get a loan, something that used to be around 6 percent before the incident. Thus, the damage that XXXX XXXX  had created is insurmountable. 

When this was happening, I also experienced a cyberattack against my accounts where some random payments are being transferred around and this XXXX XXXX situation is therefore also suspicious because it was as if someone was attempting to deplete my accounts of funds. 
So, I find it hard to believe that this payment issue is a random issue ; because ( s attached ) I have never had a late payment before. And then right in the middle of a pandemic, all of a sudden in XXXX, I get a hasty report of delinquency? Really? 
No, something is definitely fishy about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Received fraud email from XXXX XXXX ( XXXX ) regarding a PAYPAL transaction that I'm not liable for for {$790.00} for a XXXX  purchase but the description is for XXXX XXXX XXXX. It also states that failure to make the payment will result in a charge of {$790.00} to my account.
Product: Student loan

I received approximately {$5500.00} by Stafford loan to earn my degree. I made payments for a little more than a year and then the reality of my XXXX set in that no one was going to give me a job when you have XXXX 's XXXX. So I asked XXXX XXXX what could I do and they said there was a forgiveness program for people with 100 % XXXX like myself and I asked for them to send me forms. They became Navient during this exact time frame. Navient automatically kept rolling me into forbearance charging fines and accrued interest. I have requested this forgiveness route and appropriate forms and the operators always tell me they will but they do n't. More unrequested forbearance and fines. After no less than eight attempts to get these forms and begin the forgiveness process Navient has placed me on some harassment computerized call list that has " XXXX '' call as many as 8 times a week from XXXX to XXXX. " XXXX '' does not have a path to Loan forgiveness. And emails have failed to get the appropriate forms. Now, I just routinely block each new phone number that the government tries to use to harass me. As a XXXX vet who tried his best to return to the workforce and be a more contributing member of society I am utterly despondent at the treatment I have received. The stress of XXXX is compounded by the financial hardships that Navient has caused by attacking my credit rating that has rolled over into other outstanding debts I was already struggling to pay. In an emergency I had to buy an appliance so I got a lowe 's credit card. My XXXX payment account first changed my interest from 16 % to 29.9 % not because I missed a payment but because my credit rating fell because of Navient. Even though I was n't using my credit card and had n't missed a payment they then cut my credit limit to a lower value than the existing total. So now they charge fines as they seek their unauthorized new 29.9 % interest. I contacted them and confronted them and told them to fix it or I 'd not pay them anymore. I want to pay my debt but creditors are behaving like mafia lenders that change the rules and try to extort more money that the original contract I signed up for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I work with someone to do a settlement on in account with XXXX XXXX XXXX original creditor was XXXX XXXX XXXX for XXXX. I paid a Settlement of XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX ( XXXX ) XXXX on XXXX XXXX. This amount has cleared my bank account and i need to be removed ASAP.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 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: Debt collection

On Saturday, XX/XX/XXXX, I received a letter from John Neil and Associates, Inc, a debt collector, attempting to collect a debt stemming from an auto accident the company states I was involved in. 

I have been continuously insured with my insurance agency for years, with no lapse in coverage. I have never been the involved party in any auto incident, nor have I ever been ticketed or cited for traffic violations. 

In said letter, they threaten to " review the case '' and seek judgment with the State of Kansas to suspend my license for damages relating to said incident. 

In the letter that was sent, no mini-Miranda can be found anywhere stating that the communication is from a debt collector. 

On Monday, XX/XX/XXXX, I received another letter, this time from the " Law Offices of XXXX XXXX XXXX, XXXX '', with a return address listed as a private residence in XXXX XXXX, California. 

The letter is *exactly* the same as the previous letter, albeit supposedly coming from a different law office. 

This second letter also does not disclose that the communication is from a debt collector.
Product: Payday loan, title loan, personal loan, or advance loan

In early XXXX I closed on a new mortgage to pay off my loans. 

I sent a check for {$21000.00} on XX/XX/XXXX through the USPS ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) The check was sent to : ATTN Upstart Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On XX/XX/XXXX the check was refused and the post office tried to redeliver. 

After calling multiple times they finally accepted the check, as proven by the USPS tracking # above. 

The mail was finally accepted on XX/XX/year>XXXX  After multiple attempts to reach a resolution and always being told I'd hear back from them without ever hearing back I have decided to ask for the help of the CFPB. 

They are currently trying to charge me more interest and late fees above and beyond what the original payoff was for by stalling and their refusal to accept their mail. 

At this point the {$21000.00} amount is now below the payoff of XXXX they are requesting per a 30 day payoff quote. 

I feel as if the account should have been settled on the date intend, as I sent it to their express address and they refused delivery to con me out of more money. 

I also feel as the excess payment, as the original payoff was for 30 days from the XXXX of XXXX and was sent overnight, should be refunded because I followed my end of the bargain by sending it to them. 

They continue to tell me when I call I will be reached out to, however no one is ever reaching out other than generic form emails stating they'll research and get back to me in 7 to 10 days. If I keep waiting 7 to 10 days my credit will take a hit and interest will continue to acrue. 

This feels like a blantant con job and I would appreciate your help.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$910.00} XXXX  XXXX Balance Owed : {$910.00} XXXX XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Owed : {$1500.00} XXXX XXXX XXXXBalance Owed : {$1200.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$15000.00}.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX Actions were partially taken care of in XXXX
Product: Mortgage

During 2020 due to XXXX I lost much of my income from my small business. I applied to get unemployment but was turned down. I contacted my mortgage company - XXXX XXXX XXXX  to let them know I was having financial hardship and they said I was not eligible for refinancing or a loan modification. I asked why and they told me that that is what came back in their system. I have never gotten a straight or real answer from them. I offered to pay in a couple lump sums as I earned the money but they said it was all or none. I contacted the organization in WV to get guidance on what my alternative were and I never heard back ( I left my name and number 4 times over a two week period ). I have never received a notice from my mortgage company but I have had two realtors come to my door telling me that my mortgage is in foreclosure and did I want to sell. I would rather work this out and pay back the amount over a period of time if possible. I just feel I'm out here alone with no assistance, no resources and no where to turn. I feel that XXXX XXXX XXXX is a predatory company who do not share the resources available to home owners in need.
Product: Debt collection

Repeatedly told the no call unless they have interest and authority to take a short pay, they ignor and continue to call.
Product: Credit reporting or other personal consumer reports

I requested Experian to remove the XXXX entry from my credit report for Fraud. It was proven that XXXX added another {$19000.00} in additional debt to the entry fraudulently. After notifying Experian of the Fraud, Experian responded that " The entry has been updated and current. ". It still shows the extra {$19000.00} on the Credit Entry which is Fraud. I am attaching the forms and contracts showing I NEVER OWED {$32000.00} + {$19000.00} which is a total of {$51000.00}. I never owed that much money! Not even close!!! 

I did find out that XXXX and XXXX XXXX are XXXX of Experians biggest customers and have learned through similar law suits that Experian " Favors '' it's largest, highest paying clients in dispute matters. Experian has allowed this Fraud to continue for over XXXX  months now. CFPB, you will see that this is a Fraudulent act, committed by Experian to make sure it keeps it's highest paying customers happy. After Experian allows criminals to steal my information, and now continues to allow Fraudulent Entries on my Credit Report, I am asking the CFPB get involved for a broader investigation into why Experian continues to allow criminal acts of Fraud after we have provided AMPLE amounts of proof to Experian. The next question will show the Fraud by Experian and what I would like the CFPB and Experian to address... 

*****If my Sales Contract shows I made a purchase in XX/XX/XXXX for {$37000.00} ( Attached ), and my XX/XX/XXXX Payment Log from XXXX shows I only owed {$32000.00} ( Attached ), *****Why is CARMAX collecting {$51000.00}??? ********* They have a XXXX of {$32000.00} and a balance of {$19000.00}. THIS IS FRAUD! 

CFPB needs to get involved and penalize EXPERIAN for allowing false entries for it's favorite customers. This is my XXXX dispute!!!! I have a right under the law to have anything reported on my Credit Report to be reported XXXX  % Correctly. After XXXX  months of Fraud I still do not have resolution. Therefore under the LAW, this entry must be legally removed from my Experian Account, or face prosecution for damages to my credit history. 

REMOVE THIS ACCOUNT AS IT IS FRAUDULENT! WHAT DO YOU NOT UNDERSTAND BY MY ATTACHED RECORDS? EXPERIAN - OBEY THE LAW! 

REMOVE IT, NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$37000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was writing to inform you that there are still items are my credit report that are not mine XXXX, XXXX XXXX XXXX and XXXX XXXX. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . I'm doing this on my own behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquries not mine asked Experian to remove they refused and contacted institutions advised they will send request and have all removed. 
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: Checking or savings account

First off been with Wells Fargo since XX/XX/XXXX.Tried to close a account (XXXX) in XX/XX/XXXXWent into Wells Fargo Branch rep told me to come back next day or call because $XXXX Pending withdrawal.Called next day and Lady said cant close account because I transfered from another account even though account was positive.next day a NSF Fee for $XXXX  that was paid by wells fargo from XXXX XXXX XXXX.Late fees where then charged due to ISF and Returned checks.Paid some of the late fees and got XXXX account down to  $XXXX PLUS  and then opened anew account (XXXX) to have my 3 jobs direct deposit into.Old Account XXXX was closed with $XXXX or so owed.Wells Fargo Started taking funds out of new account (XXXX) without notice at end off day and sent payments coming out of my account back(XXXX) and charged me a late fee( total $XXXX   plus since XX/XX/XXXX) one of with is a IRS Installment agreement payment  i get every month.On XX/XX/XXXX I notice it again this time for $XXXX at end of day called right to set off they called it without warning.I called and they sent me to collections and I asked what is this for?He said you owe $XXXX, How would you like to pay?I said for what and you have taken out a total of $XXXX plus in Right to set off ( after I reviewed and added up all of them) since XXXX  at random causing me $XXXX plus in late fees on my New account XXXX.And he said oh yeah you owe $XXXX.I said im reporting them to XXXX, He said WHO? I said XXXX, he quickly took my name and address and but me on hold to transfer me to Executive branch .I waited 20 min on phone had to get back to work so hang up .The $ XXXX  was to cover payments for the XXXX and now my account is Neg -$XXXX and I will get to Late fee in mourning now.I called XX/XX/XXXX  and I got to Executive Branch ( spoke with XXXX) and he sent me to Collections saying nothing he can do.He Transferred me to XXXX( ID # XXXX) in Collections he thought i wanted to close my new account XXXX..I said no I have 3 jobs and they are all direct deposit to that account we are talking about the account you closed in XX/XX/XXXX XXXX that you are taking funds out of my new account XXXX for with out notice causing me Late fees and have took out over $XXXX so for on a account you you wouldnt close back in XXXX that had a Ending Balance of $XXXX or so dollars.He says well in the future call the people who are taking funds out of my account and let them no.The guy was clueless.I gave up.I have 3 Part-time jobs and have paid them over $XXXX in late fees since XXXX on new account XXXX due to there taking funds without notice and  and over $XXXX on old account XXXX   they wouldnt close after 3 attempts and $XXXX in Right to Set off with out notice on new account XXXX and he says i still own $XXXX. Im broke and this is not right so im filing a complaint.XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I was notified by a former authorized user on my account that they were still being reported as an authorized user by Chase. Additionally, the account balance was being reported on the former user 's credit as well. This individual had not been an authorized user on the account since XXXX  but could see my credit card balance through XXXX. 
I contacted chase. Chase confirmed that the individual was not an authorized user. When pressed as to why my credit card balance was being reported against this person, they stated the user needed to request the account be taken off and not reported. I stated that this was a breach of my financial privacy and fraudlant reporting. Chase " credit experts ( more than 1 ) '' stated it is not fraud and there was nothing they could do. Chase would have continued to violate my privacy by sharing my account balance.
Product: Debt collection

I was involved in a motor vehicle accident and had to receive an XXXX of my XXXX and XXXX. I provided my health insurance information to XXXX XXXX XXXX. The insurance company previously approved the treatment. After I completed all my treatment, I went through the subrogation process and reimbursed my health insurance company. 
I recently received a letter dated XX/XX/XXXX from Frost-Arnett attempting to collect {$4400.00}, which is about {$3000.00} more than the contracted rate for the service I received. I contacted the collection agency whom stated it was never filed with the insurance company. 
I spoke with a representative at XXXX XXXX  XXXX, the billing company for XXXX XXXX, whom stated there's nothing she can do because it's been sold to a collection agency. 
Frost Arnett wants the full amount and refused to file the bill with my health insurance company, and/or reduce the amount to the contracted rate.
Product: Student loan

I am former XXXX student, I was informed by XXXX XXXX that most of my loans were discharged. However I discovered there was one loan that was a private loan, I was unaware that I had a private loan. The loan is managed through Navient and I was informed that CFPB had filed suit against Navient to remove any private loans from XXXX students. As I stated previously I was unaware that I had any private loans.