23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I attempted to apply for a modification. I called on XX/XX/XXXX and requested the application. I was told I would receive it in the mail in approximately 10 business days, and that it may be available in my paperless inbox within 24 hours. I waited for the paper version and after 10 business days I had not received it ( however, I still received my bill just fine ). I could not log into my account, and to my knowledge I had never logged in. I called back on XX/XX/XXXX to see what had happened, and was informed that the application was never sent in the mail, as my account is paperless ( unless it's the monthly bill ). I was assisted with getting back into the account, and was able to fax the completed application the following day. I was told it could take up to 10 business days for them to process it, so I waited until today, XX/XX/XXXX, to call back. I was told that the application was denied because ( 1 ) it lacked a cosigners signature ( when it did not ) ; ( 2 ) that I did not include a payment statement for myself and my cosigners ( when the language on the application was vague and sounded as though it could be requested, but was not required ) ; and ( 3 ) that I had not submitted it within 30 days of requesting it. I expressed frustration that neither the representative nor the supervisor I spoke to on XX/XX/XXXX informed me of the 30 day window, which had already passed when I called. I requested a new application, and was told I would receive it in the mail within 10 business days. I expressed my concern with what happened previously, and the rep from the modification department told me that they ONLY send the application in the mail. I waited and called back approximately 20 minutes later to file a complaint on file, and was told by a different supervisor from the service department that the application would not be mailed and would only be available in the paperless inbox. I requested a stay on negative credit reporting, as there is a risk to that in 8 days, and it will likely take longer to get the application resubmitted and processed, but he told me that he can not do that and all I can do is either make the payment or dispute the negative reporting. There was seemingly no accountability between departments, and overall I have felt left by the wayside when it comes to helping me repay my loans. I understand that I need to pay them, but I can not afford the large payment, and they seemingly purposefully make it difficult to get the modification.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as XXXX, but also shows a past due balance of {$170.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX XXXX
Product: Debt collection

American Express has been harassing and threatening to falsely report me after Ive explained to them that the debt doesnt belong to me and is unauthorized and fraudulent. They reported it as bad debt.
Product: Credit card

I filed an complaint with Citi Cards CBNA on XX/XX/2015, I advised Citi Cards that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Citi Cards are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Citi Cards company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Citi Cards are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Citi Cards fail to respond in writing, signed by hand, in a timely manner, I will assume that Citi Cards are in error and this matter will be challenged. As Citi Cards further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Citi Cards claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, Citi Cards have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.
Product: Debt collection

This company XXXX XXXX XXXX started contacting my friends back in XX/XX/XXXX impersonating court officials saying they needed to know my whereabouts. My friends informed me of this the day they called. They were even harassing them about information and gave out my SS # and date of birth, etc. Asking them if that was their info. This company then called me and left a voicemail saying the same thing to me. I called and asked them to send me correspondence on this matter which they gave me no information on and I never received any paperwork on this. Fast forward to the last 2 weeks. My mother has now gotten a call on this and they were harassing her about this matter and then this week, on XX/XX/XXXX they called and left me a voicemail saying they were the court and would be delivering documents to me. I called them back again the next day on XX/XX/XXXX and spoke to someone. He never identified who he was or what company they were. I gave him the reference number I was given from the voicemail and he pulled up the information. He said it was a Bank of America Visa card that I had that was closed by BOA in XX/XX/XXXX. I told him that number XXXX, I did not have a BOA Visa card and to send me written verification on this so I could verify this and keep for my records and my attorney. He then said there was a Bank of America in all XXXX states. I said maybe there is and once again said to abide by the FDCPA and send me written verification or I am going to have my lawyer contact you. He then got all mad and hung up on me. I have had enough of the harassment from this company, if they even are a company. And, if they are, how is it they can potentially ruin people 's lives and reputations with no repercussion? Your help is much appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

I have sent in several disputes for years and TransUnion investigation took more than 30 days and the problem has not been resolved. I sent in my FTC report and Police report and my affidavit stating the inaccurate accounts do not belong to and nothing has been resolved, on XX/XX/XXXX I sent in documents and the company say they never received them, on XX/XX/XXXX I sent in documents and the company stated they never received, on XX/XX/XXXX I sent in documents and they say they never received, on XX/XX/XXXX I sent in documents notarized and certified mail of what the company stated they needed from me, today XX/XX/XXXX i was informed the investigation is going to take 30 days, the company been telling me the same thing for months and years and i never received any thing back regarding the investigation. this has been an ongoing issue with TransUnion and they are not updating my credit file as it should be. I received an investigation email with a document attached stating the inquiries was deleted and they still on my credit report.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

I sold a XXXX XXXX laptop to the person called XXXXXXXX XXXX XXXX on XX/XX/2022, the buyer send me the payment thought XXXX, the amount is {$980.00}. However, the buyer field a dispute claim with his bank under the reason : Unauthorized transaction on XX/XX/2022. This claim field by this buyer was against my Chase checking account, which result in my checking account frozen and closed. The buyer 's bank also withdraw the payment for the laptop {$980.00} from my checking account. I shipped the item to him and I have the tracking number. The buyer totally lied to the bank, just want the item for free. I need my money back!
Product: Checking or savings account

I used to have a checking account with Wells Fargo Bank. After closing it almost 4 years ago. I continue to get emails under my account that state " I am 75 % over budget ''. The spending amounts keep changing each month and over time have kept growing. My latest email is {$3600.00} ( XX/XX/XXXX ). This is up from {$3000.00} ( XX/XX/XXXX ), and {$1900.00} ( XX/XX/XXXX ). 

This leads me to believe that they are using my old " ghost '' account for some other, possibly illegal purpose. 
I do not want Wells Fargo malpractices to register under my name. I contacted them but they mentioned " they are just emails don't worry about it. '' -They need to close this account properly. 
-Explain to the CFPB why they continue to give me emails per month with different spending limits. Preferably showing the methods of how my account is being used until this day. ( This may be a larger issue across their bank that affects others so you should look into this ). 
-If this is left over money from my old account, I would like it in a check in full and this account closed immediately.
Product: Debt collection

Midland Credit Management calls me two or three times a day at work trying to collect some debt they say I owe. I have asked them to stop calling me at work a repeated number of times but they continue to call. The latest call was this mornin g, Wed  XXXX   XXXX  at  XXXX   XXXX , The man gave his alias as  XXXX   XXXX  and number as  XXXX   XXXX   XXXX . So far they have been polite but there calls are interfering with my job and they need to stop.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXXXXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 


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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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.

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 ) ( a ) 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

I have two Capital one accounts that were apparently charged off and bought by this company, but they have very similar amounts, and the same account number. I've only ever had one capital one product. The dates are similar too. I am requesting validation of these debts as they do not make sense.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00}
Product: Debt collection

On XX/XX/XXXX I received an email from a XXXX XXXX XXXX, Team Manager with the company in question. The email contained the original loan contract from XXXX, an online loan company. That same day I confirmed with XXXX XXXX that I'd received the email. I decided to pay this debt as I did in fact default and provided my debit card information to XXXX XXXX, assistant to XXXX XXXX. I agreed to make a payment of {$140.00} on XXXX XXXX XXXX XXXX XXXX  will be due on the XXXX of each month starting on XX/XX/XXXX This arrangement was agreeable. 

On XXXX XXXX XXXX XXXX XXXX to confirm that she was in fact an employee with PB Capital Group. I did so because the number she gave me to call contact her came up as XXXX XXXX XXXX XXXX XXXX XXXX I later realized that this was a mistake on my part when I XXXX  the number but by then XXXX XXXX and I had already spoken, and during the call I informed him that I was not sure of which firm I was dealing with, that the number XXXX XXXX had provided me with was showing up as a law firm in GA and not his company in New York state. I told him I was leery since there seemed to be some uncertainty on my part about his company. That said, in addition to his email dated XXXX XXXX XXXX  that I would like a payment schedule in writing that stated clearly how much of each payment would be applied to the balance of the debt, and that no other fees or interest was to be taken from the payments. I also asked as part of this payment schedule that it clearly show the date of when the final payment would be due. XXXX XXXX then told me he isn't required to provide that information to me and that it would be up to me to keep track of my payments. I thought to myself I have nothing in writing from his office that guarantees that when the final payment is made on a specific date predetermined in writing that the debt would be cleared from his accounts. I then informed him that he must be an XXXX if he thinks I'm going to send him money without a predetermined final payment date along with confirmation of how much of each payment would be applied. Once again, I simple wanted this in writing on a company letterhead along with confirmation that his firm owned the debt from XXXX. At this point he went on about my credit was going to be messed up. At this point I informed him to not contact me or my immediate family in any way ; except for written correspondence sent to my physical XXXX XXXX XXXXXXXX he has on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX/XXXX/XXXX I filed a complaint on XXXX XXXX XXXX on NCB Management Services Inc in regards to them not being license in the state of florida to collect and they responded insisted that they are license in the state of florida, I rejected their respond and wrote back telling them that they are NOT license in the state of florida to collect and they responded back on XXXX/XXXX/XXXX insisting that they are license in the state Florida On Florida Ofiice of Financial Regulation website, XXXX XXXX is only license in the state of PA, License # XXXX. 

I have attached response that I receive from NCB Management from my complaint on BBB and I have also attached Proof showing that NCB is not license to collect in the state of Florida.
Product: Debt collection

I filed a complaint and it was closed with explanation stating that I am basically being sued. That is not true there is no pending litigation that I am aware of and if they are suing me, I have not been served. I need this case looked in too. This is a false statement.
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case! 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXXX DPT TREASURY - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Regarding this matter, this letter will be sent to the headquarter of Bank of America. 

Dear sir, Today, I have received an email notice from your company to check the letter at your company website regarding XXXX XXXX Acupuncture. And I found out, on the first pages of each letter, the claim ID was my credit card ending number XXXX. And XXXX of letters do not have the claim ID. I would like you to instruct your bank employee to indicate the right claim ID, since I might have many letters near future. 

Sincerely, The following letter was sent to the branch of Bank of America in TX. 

XXXX XXXX XXXX XXXX, TX XXXX Dear sir, Upon the request made on the XXXX bank website, I would like to send the information regarding the charge on the questioned credit card ending XXXX toward XXXX XXXX Acupuncture on XX/XX/XXXX. 

Sincerely,
Product: Student loan

MOHELA is slowly destroying my credit history. Since the restart of payments in fall of XXXX, my credit score went down XXXX points on 2 occasions ( XXXX points total ) for XXXX report and similar happened for XXXX. First occasion was in XXXX of XXXX and second in XXXX of XXXX. First occurrence I didnt pay too much attention to since it was restart of payments and I thought that it is one time occurrence. It seems, however, that this is systemic issue that will run my credit into the ground if something isnt done. I was never late on any of my payments since I have auto payment selected; MOHELA takes out what is due when it is due. And MOHELA never contacted me to notify me of any issues. So, I decided to research this. On XX/XX/XXXX, after phone call that lasted 4 hr and 23 min and after multiple holds, MOHELA representative XXXX ( ID XXXX ) told me that there is nothing to be done. Apparently, due to the issues MOHELA has with Department of Education balances on all my loans are increasing, MOHELA is reporting those increases to credit bureaus and that is why my credit score is decreasing. She told me that everything I did was correct and everything that MOHELA did is correct as well. She assured me that MOHELA cares very much about this issue and that she understands my frustration. On my persistent request for resolution of this issue she proceeded by giving me email address for their costumer advocacy - that address turned out to be nonfunctional. I was not discouraged by this and proceeded by using messaging interface that MOHELA has on their web site. Complaint that I sent on XX/XX/XXXX is still not answered, let alone problem resolved with my credit score.