23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company sued me without written notice, no email, no phone call, no court notices were sent to my residence. I went into XXXX XXXX  to get a money order for rent and was told I could not withdraw because a legal levy was placed on my funds. I was confused and embarrassed and could not pay my rent today XX/XX/XXXX The branch manager provided me a copy of a letter that was sent to XXXX XXXX XXXX XXXX XXXX XXXX, Nj where I do not live, I live in XXXX XXXX. The letter was from a Calvary SPV LLC who placed a judgment in my name with a court officer from XXXX XXXX, Nj XXXX. My full social security number was hand written across the letter top of the court document and mailed to a unit where I do not live. My rights were violated by the courts also by sending my personal information in mail insecured.
Product: Student loan

I took out loans with this company XXXX I was a student in college and I took a break in XXXX. I didn't know that student loans have to be repaid when not in school. I NEVER RECIEVED ANY contact from this company about payments being due via mail, email or phone call. The only way I found out was AFTER I checked my credit score and saw that it dropped a huge amount. I quickly made contact with the company to fix the situation. They claimed they sent me emails in XXXX. I never received any. This account shows it is in great standing from XXXX EXCEPT TWO MONTHS ( XXXX & XX/XX/XXXX ) This company refuses to take the derogatory remark off my credit score. Which I believe is  extremely unfair! I was not contacted. I was not called. No one reached out to me, and this was my first student loan. I was XXXX years old. And now I can't even get a house because this company gave me 11 missed payments! ELEVEN! Terrible service. Will never deal with them again.
Product: Credit reporting or other personal consumer reports

These financial institutions are in violation of granting me my right to " opt out '' from reporting my non public personal information to a nonaffiliated third party without my written consent. Nonaffiliated third parties being XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX  account number beginning with XXXX, also Capital One account number beginning with XXXX. I tried to opt out but they refused but now I am showing the laws that they are breaking and the fraud that they are committing to me the consumer. The law states that they need my written consent to give my non public personal information to a nonaffiliated third party as mentioned above. For the record I did not give my written consent to any of these financial institutions to disclose my non public personal information to these nonaffiliated third parties. Which they give my transaction history as well which is also non public personal information. Also a violation of the privacy act of 1974. And identity theft.
Product: Student loan

Timeline : XX/XX/XXXX - sent request for cancellation form ( employed at XXXX XXXX XXXX ) to ACS. 
XX/XX/XXXX - letter from ACS that deferment processed on my loan through XX/XX/XXXX. 
End of XX/XX/XXXX - sent request for cancellation form ( employed at XXXX XXXX XXXX ) to ACS. 
XX/XX/XXXX - letter from ACS that I needed to correct the start date on the form I sent for deferment. 
XX/XX/XXXX - faxed and mailed to ACS updated request for cancellation form along with letter from office manager at XXXX stating I had been continually employed and correcting the start date in writing, received fax confirmation. 
End of XX/XX/XXXX - my Perkins loan is transferred to Conduent. 
XX/XX/XXXX - letter from Conduent that my deferment status will expire on XX/XX/XXXX with no mention of the current balance or any problem with the loan. 
XX/XX/XXXX - Conduent reflects that the current balance on my loan is {$3400.00} and that my " Pay Off '' is good through XX/XX/XXXX. 
XX/XX/XXXX - sent request for cancellation form ( employed at XXXX XXXX XXXX XXXX ) to Conduent. 
XX/XX/XXXX - letter from XXXX informing me that my Perkins loan has been transferred to them. 
Beginning of XX/XX/XXXX - sent request for cancellation form to XXXX along with prior documentation of every request for cancellation form I'd sent to Conduent and ACS because the balance XXXX reflected on my account is still {$3400.00}. 
XX/XX/XXXX - XXXX sent me an email that they were denying my old documentation. 

There has never been any indication of a problem with my paperwork or my account in the past, other than the one time in XX/XX/XXXX that I corrected. I have been working as a registered nurse the entire time my loan has been in repayment and I have diligently completed the paperwork for deferment. I am entitled to have this loan forgiven. My deferment has clearly been processed because my account has never been delinquent and the pay off date has been extended, yet the balance still sits at {$3400.00}. When Conduent transferred my loan to XXXX they blocked me from accessing my account further so I can't reach out to them to resolve this issue. I need Conduent and XXXX to get to the bottom of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple Lenders unable to pull Equifax Credit Report. 

On XX/XX/XXXX I contacted XXXX XXXX to become Pre-Approved for a Mortgage Loan. The Lender came back to me and informed me that we were approved, but the Equifax Credit Report was blocked or frozen. The lender informed us that they would need to access this for us to qualify and close on a mortgage loan. They received the XXXX and XXXX report without any problem. 

After contacting Equifax Customer Care, they informed me that there wasnt a Lock on my credit report and its the lenders mistake or fault. 

On XX/XX/XXXX we contacted a different lender for a Pre-Approval. They also told us that the Equifax Credit Report was blocked, but XXXX  & XXXX report came through no problem. We were approved, but they would need the Equifax report for us to close. 

On XX/XX/XXXX, I contacted Equifax again to inquire if there was a solution to my problem. Again they told me it was the lenders fault and there wasnt a lock on my report. I told them it had to be on Equifaxs side, because the exact same problem happened a 2nd time with a different lender. I asked to file a complaint and they transferred me to an Escalation Department. They told me it would take 7-10 days to receive a response. There is no way to follow up and they told me I would receive an email or phone call. No complaint number or anything to follow up on. I dont feel confident that a resolution will come from this process. 

On XX/XX/XXXX, I called Equifax again to see if I could get a different response and that I wanted to file a complaint again. They told me if they filed a new complaint the original complaint would be deactivated and push the response time further out. I told them not to do that. Again they told me it was the lenders fault with no accountability whatsoever. 
On XX/XX/XXXX, we signed an offer agreement to buy a home and the close is scheduled for XX/XX/XXXX. 

On XX/XX/XXXX I called Equifax to ask about the Escalation of our problem. They told me there was no way to look up the progress and I just had to wait for a response, again via email or a phone call. 

On XX/XX/XXXX, I paid for the Equifax Credit Monitoring and tried to pull my Equifax credit report and couldn't access my report. Please see attachment. 

Needless to say Im a little worried that this will not be resolved in a timely manner due to Equifax and we will lose the home that were buying. 

Any help that you can provide would be greatly appreciated! Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Mobile : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed Certified to XXXXXXXX/experian and I asked for a verify/and or validate this alleged debt owed to XXXX. XXXX also requested the contract and signature that I provided to XXXXXXXX XXXX  ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4. Also they are violating the consumer law by adding interest to this alleged debt This alleged debt is affecting my life and causing hardship, I am unable to move and on the verge of homelessness. 

Consumer rights that are being violated 15 USC 1681 b 15USC 1681 4 fair debt collection practices act, section 809 ( b ) : validating debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history on this now paid off and closed account has many inaccuracies. For one it never should have become a charge off. A Capital One representative told me in XX/XX/XXXX it would not become a charge off, it did. Two, there were months that I made payments that Capital One has listed as missed payments. I provided a XXXX representative with a bank statement showing that I made payments. And lastly, after all these issues, a representative from Capital One told me in early XXXX that if I paid off the entire balance his manager would allow him to remove the account from the credit reporting agencies, as they could not accurately verify my concerns over the payment history. I have been reaching out to everyone at Capital One to finally get this resolved. They continue to ignore my requests. I am beyond frustrated that this account is still giving me trouble after they acknowledged that it had issues. I want this account and all their inaccurate information removed from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct Number XXXX Hurricane Ian hit Florida at the end of XXXX, I was notified by my employer that my hours will be reduced as they were affected by this Hurricane. I called your bank in the first week of XXXX and spoke to whoever I spoke to about a payment deferment ( or whatever you call it ) I was assured by the rep that I will get a 2-month deferment which was ok by me and the next payment will be due in XXXX. I assumed everything was ok and was prepared to make payments in XXXX On the first week of XXXX get an alert from XXXX XXXX That your bank informed the credit bureaus That i am late in my mortgage payment and my credit score went from XXXX to XXXX. I was very upset. I called immediately and got XXXX your manager in loss mitigation and she said she will take care of it. It is now end of XXXX and I have called several times for XXXX and I can not get hold of her. I paid both XXXX and XXXX immediately in XXXX ( from funds I had to borrow ) to bring my account current which it is Please help me in reversing this late notice which is a fault of yours not mine. 

Thank you
Product: Credit card or prepaid card

Purchase appeared on card from XXXX on XX/XX/ that I did not make/Authorize Disputed the unauthorized charge on XX/XX/ received a temporary reversal of charges on XX/XX/letter sent to me stating This letter concerns the transaction described below made with card number Date Amount Description XX/XX/ {$39.00} XX/XX/XXXX XXXX TX The merchant provided documentation confirming merchandise was delivered to your home address. It was not nothing was Based on the information available, we have closed our investigation and reversed our credit. 
Sincerely, Customer Service Team contacted customer service and security department making it clear I did not make any authorize any purchase with said company took many phone calls to actually get it re- investigated and was told numerous times that the XX/XX/XXXX have my phone number email and address and they sent documentation that I authorized a payment because they have all my information Citi can not tell me if they showed or have the three digit security code to authorize online purchases they don't have the security code have had to make the XXXX payment to citi to keep my credit in good standing and was told there was nothing they could do and it could take two billing cycles per citibank advertising it is stated that I will not be required to pay unauthorized charges made to my account for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working for months to resolve an incorrect late payment on my credit report. XXXX says to dispute it with the credit bureaus, they say XXXX needs to correctly report the account as never late. As usual the consumer gets XXXX by these negligent companies that make you go through 30 min. of security hoops and hold times every time you try to contact them. 

In XXXXXXXX XXXX, an unauthorized {$2.00} charge was made on my mom 's XXXX card without her knowledge and went unnoticed. She was subsequently in and out of the hospital and did not check her statement, since the account balance ( as far as she knew ) was XXXX. XXXX reported this as 2 late payments, 60 days and 30 days. 

My mom called XXXX when she learned of the issue and replaced the card, and added me as an authorized signer to try to help resolve the problem. The 60 day late payment was removed, but not the 30 day late payment, which is still on there damaging my mom 's and my credit score. 

XXXX continues, month after month, to claim that they have fixed the issue and are not reporting the late payment any more, and that I should dispute with the credit bureaus it if I want it resolved quickly. The credit bureaus insist that they are accurately reporting it and that XXXX is still reporting a late payment. The last time I contacted them, Transunion completely deleted the account altogether then denied any knowledge of it. I was able to get it restored but the late payment is once again on both credit reports. 

This applies to Transunion and XXXX. XXXX stubbornly refuses to list the account at all.
Product: Checking or savings account

My phone and wallet were stolen a few weeks ago in which Chase bank helped me with fraudulent transactions, getting a new card, etc. There are some transactions, though, that were done fraudulently from my XXXX on my stolen phone, that were NOT done by me. I realized this when getting email notifications. I went into my XXXX account and saw that money had been withdrawn up to the limit they allow ( over {$4000.00} ). There was about 200 dollars left in the account that couldn't be taken out which I instant transferred back to my account. I then proceeded to immediately remove my bank information from the app and complain to XXXX support about these transactions, in which they said I would have to go to Chase. I have gone to Chase and they haven't made progress on my case. They closed it without even informing me of the decision, I called them today, and the person who I spoke to didn't even tell me why they closed it and said he would be " re-opening the case. '' Even after speaking to him, I did not get a notification from Chase saying the case was re-opened. Also, when the case was initially opened, Chase only credited me half of the temporary funds from all the transactions. This whole process has been a nightmare with getting all of my stuff stolen, and Chase has made jumping through every hoop take a TON of time. Many times I either can't get anybody to speak to to help me or the person I'm speaking to can not help me or isn't qualified to.
Product: Money transfer, virtual currency, or money service

- negative {$4800.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$4800.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4800.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Product: Debt collection

Comenity Bank falsely advertised no interest purchase option, I have paid all but 1 payment, they make it very difficult to pay with their online system and have no autopay options : they continue to call and harass with threatening messages and have contacted me at work even though I have never authorized them to do so. They are practicing usury and should be held accountable ...
Product: Credit card

Dear Sir/Madam, I am writing to file a formal complaint against Upgrade regarding fraudulent charges, excessive interest accumulation, a sudden reduction in my credit limit, and the subsequent negative impact on my credit score. These actions have caused me significant financial and emotional distress, and I am seeking assistance in resolving this matter.

Details of the Incident : 1. Duplicate Charges : I noticed multiple duplicate charges on my Upgrade account for various transactions. These errors caused my balance to accumulate significantly higher than it should have been.

2. Excessive Interest : Upgrade applied a 29.99 % interest rate on the inflated balance caused by their errors, further increasing my financial burden.

3. Credit Limit Reduction : Without warning, Upgrade reduced my credit limit from {$6000.00} to {$1000.00}, leaving me with a {$5100.00} balance. This action caused my credit utilization ratio to skyrocket, resulting in a significant drop in my credit score.

4. Impact on Home Purchase : Due to the negative impact on my credit score, I was denied approval for a mortgage during the home-buying process. This has caused me great hardship and delayed my plans for purchasing a home.
Product: Credit reporting or other personal consumer reports

For months, XXXX  has yet update balance and utilization info for months on both credit reports for myself and my wife XXXX XXXX XXXX, ( birthdate XX/XX/scrub>XXXX  social XXXX ) who is listed as my authorized user.
Product: Credit card or prepaid card

I was lied to when applying for the credit card. I was told 0 percent apr but I continued receiving interest charges. I spoke to a supervisor and I was refunded for them and promised a 0 percent apr again but the interest charges started again. Another issue I had was that they locked my card before I hit their promotion offer of spending XXXX dollars. They made it incredibly difficult to verify my account by asking me to mail back a security letter with my social security number. By the time I was able to do it the promotion had expired and I did not receive the promotional offer. I've already lost my patience after this last interest charges ( XXXX and XXXX ) but they would only refund one month. I dont intend to pay one cent of something I did not agree to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never in my life purchased a vehicle much less co-signed for one. How could I co sign on something with no credit line at all. I never did this and I've contacted and asked to company to remove me from the account that i have no idea about. I went to check my medical bills one day, and I see a debt of {$40000.00}. My mind was blown so I've disputed it 3 times now and I continue to get denied. The only thing left to do is file identity theft but I'd rather not go through that, and just ask that the company remove me from whatever joint account I've been connected to without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud, I ask XXXX to fix the situation and was denied on multiple occasions. I asked XXXX who has been reporting this on my credit account for about 12 years now to stop. I asked for the original instrument of indebtedness in its original form and did not receive a response within the 30 days. I was then sent an altered document which did n't even has my proper social security number, not the original document I asked for in its original form. I contacted the three credit reporting agencies and pleaded with them to stop and they kept on reporting the negative inquiries on my credit which has affected me throughout the years. please help me
Product: Student loan

As per advise from the lender more tan 50 % loan repaied. 
Requested the Lender in question to remove deliquent notice and allow partial payment as I do not have any income since XX/XX/2020 as I have been furloughed and I am at my wits end. Still then I managed some payment till XX/XX/2020. 
The lender STILT is sending threatening notice. 
They are threatening with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & is inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof to XXXX XXXX, XXXX XXXX,
Product: Credit reporting, credit repair services, 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/block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$810.00} ; XXXX XX/XX/XXXX.