23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I borrowed a total of {$57000.00} in private loans beginning in XX/XX/XXXX from XXXX XXXX. I have payed XXXX XXXX/Naviet over {$50000.00} to date. As of today my principal is about {$67000.00}.
I began paying my loan in XX/XX/XXXX. I needed to lower my payments and I was introduced to an interest only plan. When the interest only plan was expiring I received a letter from Naviet in XX/XX/XXXXto call for lower payment options. After speaking with several representatives I was told that I do not qualify for any lower payment options. I wrote a letter to the corporate secretary to explain my financial situation and the unprofessional way I was treated. As a result, an advocate reached out to resolve the issue. I was told that they would lower my payments by extending my payoff to thirty years instead of twenty-five. I was comfortable with the new payment. As of today my payments have been increasing rapidly. I realized that my payoff is indicated in my account summary as an ESTIMATE for the year XX/XX/XXXXwhich is not thirty years. I reached out to the corporate secretary and an advocate on XX/XX/XXXX about the payment increase and my term is not thirty years. XXXX XXXX a representative for Navient reached out to me and told me that she will get back to me about making sure my payoff date is for 30 years. I have not heard back from Navient since that phone call two weeks ago.
Product: Debt collection

To Whom it May Concern, I am writing to file a complaint against CCS COLLECTIONS for violating the Fair Credit Reporting Act ( FCRA ). Specifically, CCS COLLECTIONS reported a collection to the consumer reporting agency that they never actually collected, after I had already made payment to Esurance ( Regarding Policy number : XXXX ) for the amount of {$94.00}. On Tue, XX/XX/2021, at XXXX XXXX, I made a payment to XXXX for a past due balance of {$94.00}. This payment was made to fulfill esurance company 's requirement before purchasing a new car policy ( Policy number : XXXX ). The requirement was to pay any past-due balance before the issuance of the new policy. Which I did in the specified amount, day, and time above. You can verify these facts by calling the XXXX customer service center at XXXX ( XXXX ). 

Therefore, I am absolutely confident that CCS COLLECTIONS can not provide a date and transaction ID for this transaction, as it was paid by me, directly to esurance, right before I purchased a new car policy ( on Tue, XX/XX/2021, XXXXXXXX XXXX ; Policy number : XXXX ) from Esurance. At this time, esurance did not disclose or mention that the account had been acquired by a collections agency. Additionally, if the account had already been acquired by CCS COLLECTIONS, esurance would not have directly taken payment. Neither had CCS COLLECTIONS communicated with me before this date and payment, about the acquisition of my account. 

Pursuant to 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 consciously avoids knowing that the information is inaccurate. '' This section prohibits collection agencies from knowingly reporting false information about a consumer to a consumer reporting agency. CCS COLLECTIONS is in violation of this section by reporting false information about me to a consumer reporting agency. 

Furthermore, 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) of the FCRA specifically pertains to the responsibilities of CRAs in the event of a disputed credit report. If a consumer disputes the accuracy of the information in their credit report, the CRA must investigate the dispute within a reasonable period of time and if the investigation finds that the information is inaccurate, the CRA must promptly delete or correct the information. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against CCS COLLECTIONS for its violations of the FCRA. I request the CFPB to require an update of my report to reflect the accurate and verifiable information and request the deletion of any information relating to any outdated information being reported. I further request CCS COLLECTIONS to facilitate me with a copy of any changes to my report pertaining to this complaint. 

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

Equifax was hacked XXXX XXXX leaking the personal details of more than 140 million users of which I was included. Equifax waited months before reporting this while executives dumped stock. Equifax is only offering a single year of credit protection servers from a company they own. In order to use this, you sign away your rights to sue them. All of this is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is resubmitting this CFPB complaint in an effort to refute the false information you claim is on my credit record. I was a victim of identity theft once more, and I never made the payments to these companies. I'm asking you to delete the information in my credit file that you are currently reporting in accordance with the Fair Credit Reporting Act. I think I never actually agreed to any contracts with these businesses. Your deliberate disregard for Federal law constitutes a clear violation of consumer rights. Please get rid of the account that is listed on my credit report, as I beg you. You must delete any accounts and information that were created as a result of identity theft in accordance with Fair Credit Reporting Act section 605b ; kindly do so. The following things must be taken away as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$220.00} XXXX Inquiry Date XX/XX/2021
Product: Credit card

I have had this credit card since XXXX. Not once has it been reported to any credit bureau. Talked to Capital One XX/XX/XXXX, they say they report monthly and they have been. But they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection account on my credit reports from Experian, XXXX   and XXXX from XXXX XXXX XXXX for several years. The information was wrong. I went to court with XXXX XXXX XXXX on XX/XX/2017. Their case against me was dismissed with prejudice meaning they can never bring he cases against me again. I immediately submitted copies of the judgement from the court to the three reporting agencies and asked them to remove the collection account from my credit reports. I was told it was not removed because when they check with XXXX XXXX they insist it remain on the report. I have explained to them multiple times that a court ruled in my favor on this issue and I have sent proof but they will not remove the item. I do not understand why. How can this item be finally removed?
Product: Mortgage

I tried to set up by-weekly payment with Ocwin, but even through the website list by-weekly payments as a option no method exist to set it up. I called and the person I spoke to could not set it up either or could she direct me to a person who could. I believe this is fraud on Ocwin 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

According to what they sent, while attempting to collect a debt they state I owe. Their information in their introduction letter ( email ) didn't meet the CFPB notification rules. 
On XX/XX/2023 I was sent an introduction email not a validation letter. 
Their email has a non-verified amount.. It doesn't include the account number to said account. No itemization of current amount of the debt owed that reflects interest, fees, payments and credits since a particular date. The current amount of the debt when the notice is provide. No end date for a XXXX period when I can dispute the debt. 

I do not want to contact this collection agency. Id rather report this claim, because of their failure to provide the necessary and correct information in their attempt to collect a debt.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX Credit Account XXXX XXXX XXXX Account name : XXXX XXXX Account # XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX XXXX Account XXXX : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX  Account # XXXX, Account name XXXX XXXX XXXX Account # XXXX, Account name : XXXX Account # XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

Two collections were owed and were being collected by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX, ( XXXX ) XXXX, ext XXXX XXXX XXXX. The first collection was for {$960.00} and the second was {$650.00} both owed to XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX was handling this collection for XXXX XXXX. An agreement was reached with XXXX Representative, XXXX XXXX for payment of 60 % of the debt in the amount of {$970.00} and it was agreed that it would be deleted from my credit report. The amount of {$970.00} was paid on XX/XX/2019. 

On XX/XX/2019 I received a collection notice from Phoenix Financial Services in XXXX IN in the amount of {$650.00} owed to XXXX XXXX  XXXX XXXX. Again this collection agency was handling the collection for XXXX XXXX. This is the same debt that I already paid through XXXX XXXX. It is apparent that XXXX XXXX has a habit of these kinds of practices because they have many complaints through CFPB and through the XXXX  for the same kind of stuff. 

Now Phoenix Financial is threatening my credit if this isnt paid and is causing me the burden of providing proof that this debt has been paid. When is someone going to stop these bottom feeders from doing this to people? To begin with I am aXXXX XXXX XXXX   service connected XXXX Veterasn. My medical bills are paid by the VA at no cost to me. The original creditor just didnt want to do the work to collect from the VA so they wrote the debt off and the bottom feeders at XXXX XXXX picked it up to start their shady collection practices. I should have had to pay this debt at all but I wanted to maintain my credit so I nbegotiated a settlement I could live with. What I cant live with is XXXX XXXX continuing to try and get paid more than once for these debts and using multiple collection agencies to harass me.
Product: Credit reporting 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 has violated my rights. 

15 U.S.C. 1681 section 602 A- States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2- It states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section- states that 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 the records of convictions of crime 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.

15 U.S.C. 6802- states that a consumer is required to receive an opt-out notice at the time that the account is created and being reported.
Product: Mortgage

I contacted PHH on XX/XX/XXXX at XXXX XXXX  I spoke with XXXX ( agent number XXXX ). I questioned what an XXXX XXXX XXXX. BILL FEE for {$.00} under the escrow column was for. XXXX explained that they decided to contact either the insurance company XXXX XXXX tax assessor concerning a change in the amount in escrow. I have never seen this fee before. He stated that the policy changed on XX/XX/XXXX. 

I don't think it is right that I, while paying {$720.00} in interest in that month alone, should be charged a fee for a phone conversation or contact. This has never occurred in the past. 

I recognize it is common that the amounts change for taxes and insurance. The required escrow amount changes almost, if not every, year. An adjustment is made once a year, and a notice is sent to give me the option of paying the deficit or have my monthly payment increased to make up the difference. 

Although this fee is nominal it appears it is just another way for PHH to make money. It is wrong that PHH can charge {$.00} any time they want to randomly call either the XXXX assessor or my insurance company. If PHH has XXXX clients it is an easy way for them to make a quick and easy {$250000.00} every time they decided to do this. 

I was not given the option of contacting the XXXX assessor or insurance company, myself, to clarify whatever question or concern PHH may have had. I have never been charged to contact the XXXX assessor or my insurance agency. 

Further more, I was never given written notice that the fee schedule for this loan has changed. 

I have never been late on my mortgage payment and have over a XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted to be informed that my account was now in the hands of someone else to collect in which I didn't give permission for my personal information to be given to anybody for the XXXX time and the amount has doubled. XXXX agency shows it has a balance unknown but it has a balance also the agency that acquired the account has a balance as well. I filed several disputes with each of the credit bureaus and it keeps adding accounts to me that doesn't apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported a late afternoon payment for XXXX but I made a payment in XXXX
Product: Debt collection

I am filing this complaint because BARCLAYS BANK DELAWARE has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Checking or savings account

Hello! In XX/XX/2019 I received a promotional offer in the mail directly to me with my name and address on it for a Bank of America checking account. In the offer it stated to go online to www.bofa.com/XXXX  and I could see if I qualified for this account. I went to the website, filled out the necessary information and was asked to fund my account with a credit card. I did all that and I was approved! Great, so far so good. I read the terms on exactly how to " get {$300.00} '' from Bank of America. They stated I needed to set up direct deposit and have a total amount of at least {$4000.00} within a 90 day period. I did all of that with all of my checks being direct deposited into this account. Now here is where things get tricky ; I never received any confirmation from Bank of America saying I would receive the {$300.00}. I never received a check in the mail. I never received any money in my account. It has been a while since I have completed their requirements for the offer. So I called them today on XX/XX/2019 and discussed this with the lady in " promotions ''. She stated she would ask another department and they could not verify my address and a list of reasons why I would not receive this {$300.00}. It seemed odd that BofA would offer a promotion that they would not pay. So I informed her that I would be submitting a complaint with the CFPB about this because it seems like a huge scam and a way for BofA to get more money from people without paying out on their promises. She stated she had submitted a complaint on my behalf and gave me a reference number of XXXX. 

I do not trust her at all, so I am here writing my own complaint. Thanks BofA for your sketchy business practices, this gives me no confidence in your bank.
Product: Credit card or prepaid card

I am opening this complaint against Block Inc. They replied to the last complaint stating that they could not identify me as the account holder and that they could not disclose any information. For me to reach out to them via the Cash App support. They know that Cash App Support will not assist and that those employees dont have the tools to assist and resolve my claim. Furthermore ; I do not feel comfortable communicating with Cash App without there being some sort of documented reference with a government entity that can track what Block Inc, Cash App is taking me through. 

Block Inc stated in their response that they could not identify me as the account holder. I can clear that up right here and now so that that excuse cant be used any longer and so that they cant keep procrastinating because theyve stolen my money. I have also provided every email directly from XXXX explaining that the funds had been refunded on XX/XX/2023 in the amount of {$460.00} yet Cash App has failed to add those refunded amounts from XXXX back to my balance. 

Thanks, XXXX XXXX Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Email : XXXX Old email address : XXXX Cash Tag : XXXX XXXXXXXX Attached : Drivers License Bank Statement for linked back attached to cash app account. 

Photos of my account details. 

Original Complaint Emails from the merchant XXXX
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX Fraudulently placed charges on my credit file, because I switched car Insurance companies. They have proof of my current insurance. In the state of Virginia I have the Legal Right to switch car insurance companies as I need. 

2. Company called Uplift has placed Fraudulent charges on my credit file. I am not aware of this company.

These two companies have placed fraudulent charges on my account. I believe this to be part of the XXXX XXXX. My information was exposed. Please do not turn my dispute into a 30 day dispute. Under section XXXX you have t removed this within 4 days. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite having credit freeze and fraud alert, Equifax placed three hard inquires on my account on the same day. Their negligence negatively impacted my credit score. 



XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX - XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 2022
Product: Credit card or prepaid card

I am single mother of XXXX and I am in dire need of assistance. I am hoping and pleading someone hear my cries. I've been trying to get my account cleared and lost funds back since XX/XX/2020. It should be known that CA EDD and Bank of America are taking advantage of unemployment recipients in obnoxious, illegal ways. They are using a very vulnerable time to further victims claimants.The state of California should be embarrassed! I was approved for unemployment benefits in XXXX of 2020. I ordered my EDD BOA card on XX/XX/2020, It never came in the mail or either someone stole it from my mail. After weeks of waiting for my card, I called BOA on XX/XX/2020 to inquire where my card was and I was informed that it was already activated on XX/XX/2020 and a charge of {$2100.00} was processed on XX/XX/2020. I immediately filed a police report that evening, I was told I needed bank statements to show the bank transactions. Which was impossible because I can't access my online BOA portal without the card information and because Bank of America closed my account after reporting the fraud. So my investigation is at a stand still. I reached out to the alleged merchant myself, and to my surprise he was more than willing to help, he said a male tried to come in with the card and didn't have the pin, so he then made the purchase online using my address information. If the police or the bank would conduct a thorough investigation, they could easily prove that it wasn't me, I AM A VICTIM OF FRAUD! I called BOA to follow-up on my claim and was surprised the previous agent never made any notes when I called on XX/XX/2020, I was advised a supervisor would call me, but no one ever did. I then officially filed a claim on XX/XX/2020, by XX/XX/2020 BOA closed my account due to suspicion of bank fraud. Which is bizarre because I am the one that reported the fraud. When I called to inquire why, they said I no longer had an account with them and that CA EDD has flagged my account, which is the reason I can't receive any of my benefits via mail or debt card. When I called EDD on XX/XX/2020 I was advised that my account was not frozen or closed andI should follow up with BOA. WHY AM I BEING BOUNCED AROUND? I am currently reaching out to Governor XXXX office and state senate, relentlessly! CA EDD must do something about this, how can a government state entity let a claimant be victimized without doing anything to rectify the situation or to investigate it further?. Furthermore, myself and my child is in dire need of resources because of this crime!
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries I have no clue of are : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX I already reached out to each to company and all they told me was to contact the credit bureaus to resolve this matter.