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

Beginning XX/XX/XXXX and into XX/XX/XXXXXX/XX/XXXX XXXX began billing me without notifying me or sending me any bills. They did not call me, they did not email me, they did not send physical mail. I found out about the billing due to a 200+ drop in my credit score. I contacted XXXX through a conference call with XXXX  XXXX XXXX. When I told the XXXX Representative what had happened he was unable to provide me with any other information other than " we contacted you through your inbox ''. Upon informing him that I have not received any emails from XXXX he repeated the same statement over and over until he mentioned they were notifying me through their own messaging account system on the XXXX website. I did not have an account active on the XXXX website at the time of the billing period, therefore I never received any notifications. If there was an account under my name active on XXXX 's server it was created without my authorization or my knowing. I rated XXXX on the XXXX   website and they sent an unsolicited letter to my place of residence stating they were in the right and could not ethically reverse the negative reporting. I contacted XXXX on XX/XX/XXXX requesting an investigation, to which, they never replied. According to the Fair Credit Reporting Act XXXX can submit a revision to the Credit Bureau removing the negative reports from my credit report. I also know, under the FCRA, I can file for an investigation in dispute of XXXX 's error directly with the Credit Bureau with or without legal representation. The error being in violation of the Fair Credit Billing Act, XXXX did not properly contact me regarding my billing and therefore all submitted overdue debts were submitted in error. According to the FCRA XXXX is also obligated to resolve this matter and report back to me within 30 days. All of which XXXX has failed to do. Upon filling this complaint I tried to gather my billing statements and other information on my current XXXX web account, but all of the billing I did not know about have been removed by XXXX, but the delinquent credit report they submitted has not been removed from my credit report. They are clearly aware of the issue -or- have attempted to hide the problem preventing any possible reporting to the CFPB.
Product: Debt or credit management

I ask XXXX and Equifax for a copy of my XXXX Form for all debts that was charge-off on my credit report. I was informed by the IRS, if a creditor has written off your debt, you may receive the XXXX form. You must claim this amount as income on your taxes because I never given these companies permission to have these accounts furnished on my credit report. The companies can no longer try to retrieve that debt, its violation!! The companies can not charge off the debt and try retrieve the debt or sell the debt. Section 166 of the Internal Revenue Code requires such declarations to support tax deductions for bad debts. A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or have provided to the consumer a notice that complies with section 6803 of this title. Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Never receive anything that I requested from XXXX and Equifax. 
XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX All these accounts is CHARGE-OFF with a balance and that is a violation, plus never got my permission. I demand to see verified proof ( original consumer contract with my signature on it ) They failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verified proof, you must remove the account listed above. I demand that the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX and XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
Inaccurate Addresses : XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX ; Accounts : XXXX XXXX XXXX XXXX XXXXand XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hello, I need to help me eliminate this information from my credit because it is affecting me. 

Account Name : XXXX XXXX XXXX XXXX 
Account XXXX Balance {$0.00} Account Name : XXXX XXXX Account XXXX Balance {$0.00} Account Name : XXXX XXXX XXXX XXXX Balance {$620.00} Account Name : XXXX XXXX XXXX Account XXXX Balance {$4800.00} Account Name : XXXX XXXX XXXX Account XXXX Balance {$4800.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Student loan

Applied for SAVE plan XX/XX/19, only SOME of my loans were moved to save EVEN THOUGH ALL ARE ELIGIBLE FOR SAVE PLAN.

Decided to re-submit IDR application XXXX to ensure ALL my loans would be on SAVE, still have not heard a single word from Nelnet. Have tried contacting via phone however was told via automated voice message that they were experiencing high volumes and that I had to call back another time. How is this even acceptable?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Equifax : I am requesting affidavit forms to be sign and notarize by a senior XXXX  verifying my signatures that willfully comply with authorization to furnished a credit reports, files or consumer reports on my behalf. I did not give XXXX, XXXX  or Equifax ( consumer reporting agencies and bureaus ) consent to allow creditors to used a statistical tool to evaluate information associated with extending credit to me. In pursuant for a creditor after the credit report is assessed, I did not give consent for XXXX, XXXX  or Equifax to create a report or file to fulfill the creditor 's actions. In pursuant of the score is calculated as a result of data processing activities performed by XXXX, XXXX  or Equifax, I did not give consent. In pursuant to scores are calculated on upon the request of a creditor, I did not give consent to XXXX, XXXX  or Equifax to create a report or file to furnish to creditor or alike. I did not give XXXX, XXXX  or Equifax the consent to create a credit history information in my credit report or file, including the inquiries, outstanding balances, number of accounts, age of accounts, etc.. to calculate a score. These credit reports or files are FRAUDUENT. Because, I did not give any written consent to disclose any of my financial transactions, medical history and any information regarding a credit score. No consumer reporting agencies or bureaus shall use any false, deceptive or misleading representation or means in connection with collecting any debt. XXXX, XXXX  and Equifax falsely claim to have authorizations to create credit reports and files. XXXX, XXXX  and Equifax shall refrain from acting aggressively to report negative information to a consumer 's file and report due to a fee and mutual agreement with the creditor. I will like for you to reinvestigate and send me the requested affidavit ASAP.
Product: Mortgage

I was on a COVID 19 forebearance and my loan was sold to fay servicing. 
It was my understanding that loans that were placed on COVID 19 foreberance would have all the payments moved to the end of the loan. 
Well, not in my case. They made me apply for a loan modification. 

They declined my loan modification with NO specific reason as to why I am declined. Its EXTREMELY difficult to communicate with them. 

Nobody ever seems to know anything. As I am on hold right now asking WHY was I declined for this loan modification, please be more specific there is no answer Furthermore, why put me on a COVID 19 forebearnce only to NOT help me at the end and then place me into forebearance with zero options What kind of HELP is this. The gentleman I spoke with is XXXX XXXX. This is a joke, I wanted to review my file with him and he refused. He actually told me HOLD ON PLEASE, I have another phone call calling me This clearly shows lack of professionalism and empathy. I told him 20 times that I want to review my file with him, yet he absolutley refused.
Product: Debt collection

Discover violated my Federally Protected consumer rights. XXXX XXXX also committed identity theft and 10 other violations under the FDCPA. Violations included : 15 USC 1692e 15 USC 1692b ( 5 ) 15 USC 1692c ( a ) ( 1 ) 15 USC 1692c ( b ) 15 USC 1692d ( 2 ) 15 USC 1692b ( 2 ) 15 USC 1692f ( 1 ) 15 USC 1692f ( 7 ) 15 USC 1692e ( 10 ) 15 USC 1692j ( a )
Product: Debt collection

I have reported this XXXX times now it keeps getting added back to my credit reports. I live aboard from XXXX to XXXX returned to XXXX XXXX, XXXX and XXXX reporting debts I do not owe. They claimed accounts were opened in XXXX. I first became aware of the problem because of XXXX and subsequently with XXXX filed reports with police collection agencies and XXXX. Others taken care of XXXX keeps getting placed in bureaus after it is removed. My passport documents I was not in country when this account opened.
Product: Credit reporting or other personal consumer reports

I looked over my consumer report again and they put XXXX XXXXXXXX XXXX XXXX back o my report with inaccurate information XXXX XXXX XXXXXXXX it been removed and out ban my report thats against the law. 


15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 
Please pay this XXXX XXXXXXXX account in full or permanently remove from my consumer report 15 U.S. Code 1601- Congressional finding and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
Product: Debt collection

Real Time Solutions is a collections agency. They are not the original creditor to whom the debt was owned. I have disputed their reporting to XXXX, XXXX and now they are reporting expired debt that has passed the 7 year reporting time to XXXX. On XX/XX/XXXX their reporting of XXXX XXXX for {$68000.00} expired. XXXX removed it from my credit report. However on the same date that the date expired, XX/XX/XXXX, Real time solutions reported it as new debt. XXXX did not check the report and my credit score dropped XXXX point. 

I had problems before with this company. They do not report credit history debt. After I dispute their information being reported and it is removed, Real Time Solutions report it again as new debt. The credit Agencies do not check if this has already being previously reported, and removed. The data is taken as a new report and reported against my credit history. Real Time Solutions need to validate the debt.
Product: Student loan

Call to make arrangements about high interest rate been paying on this loan almost XXXX years and the balance Is still the same as it was when I took the loan out in XXXX
Product: Mortgage

My loan was taken over by an investor and a loan service company, who has given me the wrong information on the next payment due. Also, the recorded call was observed by both parties and acknowledged that agent gave the wrong information. Now the company is requesting two payments. I truly feel as though they're taking advantage of me and treating me unfairly.
Product: Credit card or prepaid card

I own a business that sells a product online. I use PNC Bank Merchant services.  They charge me a lot of fees to process my transactions. I found a different company that offers lower fees. Turns out I ca n't switch without paying an early termination fee. I did not know there was a fee for early termination when I signed up. Second, online transactions require what is called a " gateway ''. PNC forces me to use a gateway called Payeasy. If I do n't use Payeasy. I have to pay an exorbitant fee for every transaction that is processed. Turns out Payeasy is owned by PNC. I should be able to shop for a gateway without being penalized by PNC. They would be charging me a fee and I would be receiving nothing in return. They want to penalize me for not using their gateway company. that is not right. If this were a real estate transaction, it would be a clear violation of RESPA. I do n't think it is fair that I have to pay an early termination fee and I definetly don think it is right to charge me for using a gateway other that Payeasy. I should be able to choose who I want without penalty.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$930.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I keep receiving phone calls from XXXX. I 've left XXXX voicemails on their answering machine advising the person they are trying to contact does not live at my address. They keep calling each week. I can not get them to stop calling me despite NUMEROUS attempts to get them to stop.
Product: Credit card

jcp was suppose to give 5 % rebate on XXXX purchase, also was not able to get 35 % off on online orders had to use another XXXX XXXX
Product: Credit card

On XX/XX/year>, I received an emsil informing me that credit limit had been decreased based on credit report.

1. My credit is frozen with all 3 credit reporting bureaus 2. They did not receive authorization from me to pull my credit 3. This has negatively affected my credit as my scores have decreased significantly.

I respectfully request that something be done immediately to rectify the situation
Product: Credit card

On XX/XX/2024 I had placed a call to Capital One regarding my Capital One XXXX XXXX  XXXX because my account was severely past due I had spoken with a representative about bringing my account current he asked would i like to make a payment over the phone I politely declined and stated that I would make a payment through the Capital One XXXX XXXX  on XX/XX/2024 i submitted the payment on the stated date I then check the Capital One XXXX XXXX to see if the payment cleared and if there was any available credit I was met with a message that the account was restricted and there was no available credit while speaking to the agent he assured me that upon making said payment that it would bring the account current and said nothing about losing my charging privileges or that the account would go into restricted status upon making said payment Upon seeing this message I placed a call to Capital One and was transferred to an unknown department where I was told that the account is in restricted status and that even if all payments are made the card would not be able to be used essentially forced closure by the issuer
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Open date : XX/XX/year> Amount : {$9700.00} Account Number : XXXX XXXX XXXX XXXX. 
Open date : XX/XX/year> Amount : XXXX Account Number : XXXX
Product: Debt collection

Recieved a letter from NSB collections stating that money is owed and if not paid they will suspend driver 's licence and have the licence plate removed form my car. I have no knowledge of any such dept.
Product: Debt collection

Back ground : I have been a Citibank customer since XXXX. During this time I have never paid a XXXX of interest and have paid my bills on time. Without warning they cut off my credit creating a nightmare because it is my only card and many payments like insurance are taken off this card. 

Details : Because of XXXX the mail has been very late. the Citibank invoice for XXXX was sent on XXXX but not received until XX/XX/XXXX. In that time I called and requested another invoice ( did not happen ). The full payment check was sent on XX/XX/XXXX, the day after receiving the invoice. It has not gotten to Citibank. 

Consequences : I can not use my credit card. 
Several services have been cancelled because the card on file ( Citibank XXXX was suspended. 
I have gotten an email that my credit score has gone down. It was in the mid 800 's. 

What I have done : I have called numerous times. I believe that I have talked with agents who are in XXXX. I have endured long wait times only to be cut off. When I did get through, I was told to pay {$35.00} late payment toward the payment. I respectfully declined. They have also charged me {$91.00} in interest. 

Conclusion : We have all been affected by COVID and had to make adjustments. Citibank has not taken the steps to deal with this crisis. Why would Citibank suspend my card without telling me? Why can't I deal with someone who has the authority to make decisions? It seems that the rules are hard and fast. With all the circumstances of our time, why is Citibank not more flexible? I now owe the original {$1400.00} plus {$91.00} in interest plus {$35.00} late fee for our XXXX invoice. The XXXX invoice, which should have arrived has not so this will be an additional problem. I can not speak to anyone to solve this problem. My credit score will continue to be affected. This is a nightmare! 

THEIR CUSTOMER SERVICE LEAVES A LOT TO BE DESIRED! 

XXXX XXXX XXXX XXXX 37 year customer of Citibank