23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a letter from Receivables Management Partners LLC. XXXX XXXX  XXXX, XXXX, IN XXXX. They called it a " validation letter '' but it gave very little information about what the debt was or who they were. Due to the lack of information I was skeptical that it was a scam. I spoke to the company on the phone in XX/XX/XXXX and asked them to send me more information to verify what the debt was because I didn't feel comfortable providing them my credit card information without verification. The company admitted to me that they have a record of this phone call. I received no further verification information from that company until Monday XX/XX/XXXX ( 6 months after my request ). As soon as I recieved the itemized information verifying what the bill was about, I called and paid it the same day. It was only {$180.00} which is not a lot of money. I just wanted to ensure I wasnt being scammed. 

I went to refi my home today and discovered that during the 6 month gap when they didnt provide me the verification I requested, they went ahead and reported this debt to the credit bureaus. I'm now getting a worse interest rate for my refi which will cost me thousands of dollars. This should never have been reported to the bureaus. I made every attempt to validate this debt and who this company was in order to protect myself from being scammed. They dragged their feet not sending me the information. The day that I received the information I paid it in full. I called the company today and they refuse to fix their mistake even after I escalated to management and them admitting that they have a record of my call for further verification. I want this negative information deleted from all 3 bureaus immediately. The company also admitted to me that they get a lot of calls about this which tells me they have a process gap when it comes to sending debt verification to consumers. I'm sure this same thing has happened to many others.
Product: Student loan

I have been making student loan payments on and off for 20 years to Nelnet. In XXXX i started making consistent payments on income based repayment plan. After 1 year the principal balance of my loan went up several thousant dollars because of interest, I called and said i wanted my payment amount to at least cover the interest so my balance would not go up. They changed my plan to an extended plan which i did not authorize. I would not have authorized a plan that would not qualify me for the Public Service Forgiveness program if it had been explained to me. I am a XXXX and told them i wanted to be part of that new program, that people were just starting to hear about in XXXX. But they did change my plan unbeknownst to me and 7 years worth of nearly {$1000.00} a month payments never gave me credit toward the Forgiveness Program. My balance never went down and now close to my retirement they told me I still owe what I owed 7 years ago and no payments went toward the Forgiveness Program. I want credit toward the Forgiveness Program for those 7 years.
Product: Credit reporting or other personal consumer reports

This is my final notice that the items I disputed on my credit report were not validated and XXXX have been due to the XXXX data breach. See the attached FTC report and XXXX data breach claim id and remove the following accounts from my credit report. I have been keeping record of my correspondence with you and being that I have been trying to get this removed since XXXX of 2023, I am expecting the following accounts to be removed within 14 days : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am complaining about Coinbase, Inc. who have locked me out of my account which contains about {$25000.00} in assets. 
I invested money in two cryptocurrencies  : XXXX  ( ETH ) and XXXX ( LTC ) a few years ago. My work email was used to set up the Coinbase account ( XXXX ). 
I have not accessed that account in about 4 years and I have changed jobs and can not access the previous email account. Coinbase customer service told me to open another account with my new email ( XXXX ) and they would merge the old and new accounts. I did that, but they have locked that account also. I followed all the steps customer service told me to follow including sending them my ID. All they have to do is reopen my account, but they just ignore me over and over and I can not access my money.
Product: Money transfer, virtual currency, or money service

I tried to send my cash to my wife and pay my bills.And they kept the declined my payment, knowing that I have money in my account.Then after the fourth time my account got frozen.. this is the 3 time this year.. and now my lights are off and it's freezing outside so me n my family had to bring the XXXX XXXX in with no power due to my money and my account had been frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MTR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX : XXXX XXXX XXXX   XXXX  : XXXX XXXX : XXXX XXXX/XXXX : XXXX XXXX/XXXX  : XXXX XXXX/XXXX : XXXX XXXX XXXX : XXXX XXXX/XXXX XXXX : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATIONXXXX : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX : XXXX XXXX : XXXX NO VALID CREDITOR : XXXX NO VALID CREDITOR : XXXX INQUIRES : XXXX   XXXX  : XX/XX/XXXX XXXX/XXXX : XX/XX/XXXX XXXX XXXX XXXX   : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX 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. : XX/XX/XXXX XXXX XXXX., XXXX XXXX : XX/XX/XXXX XXXX XXXX & : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries showing on my report that I have requested to be removed. 
XXXX XXXX XX/XX/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 XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

In 2012 it was time for me to begin repaying my federal student loans. I was pregnant with my second child and due to health complications I was unable to work, therefore paying my student loans were impossible. The college that I had been attending told me that I could apply for forbearance due to a " financial hardship ''. I contacted FedLoan Servicing, which is the company that is servicing my loans and I applied for a forbearance. After a few days I received a phone call, as well as a letter in the mail stating that my forbearance request had been approved for the dates of XXXX/XXXX/2012 - XXXX/XXXX/2012. I spoke with a representative over the phone and asked her to explain the forbearance terms and she explained that because my forbearance was approved for those dates and there would n't be an data reported to my credit report. XX/XX/2012, FedLoan Servicing reported to my credit report that I was " 30 & 60 days late '' on my monthly payment. They reported this on both of my student loans. I was never late because I had applied for financial hardship. The XXXX late pay entries are holding me back from being able to qualify for a home loan and I was not at fault. I have tried disputing the incorrect information but have gotten no where. I would like to have these Items updated to the correct information. Please delete the 30 & 60 day late payment entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax response does not meet the reporting requirements, they have increased the amount I actually owe in student loans due to their in accurate reporting of my student loan accounts. XXXX are NOW reported under XXXX  - instead of having each loan reported under XXXX correctly, Equifax has kept ONE XXXX  account which is already reporting under XXXX as it should. My actual balance owed is {$10000.00} as shown within the attachment uploaded, which Equifax has refused to review. Equifax is reporting I owe {$13000.00}. The duplicate loan reported is highlighted in red and must be removed.
Product: Debt collection

I was the victim of ID Theft on XXXX XXXX, XXXX. The FTC ID Theft Affidavit ( # XXXX ), XXXX County Sheriffs Incident report ( # XXXX ) and all ID Documents were sent to the loan company, and they agreed to remove the Hard Inquiry from my report. This has NOT been done. I have made countless calls to the Speedy Cash/XXXX XXXX, and XXXX with no results. The other loan companies and credit reporting agencies have cooperated fully, and quickly. The hard inquiries were removed by late XXXX XXXX. This is the lone problem on any of my reports.
Product: Credit reporting or other personal consumer reports

I mailed in a dispute about two fraudulent accounts thats reporting to my credit report, Back in XX/XX/year> I sent in everything they asked for and still have not heard a response.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions
Product: Payday loan, title loan, or personal loan

I applied for a loan to the company, a farm for a ring and was the denied because the company said they couldnt identify me when I submit it not only my Social Security number but also my state ID the loan was for {$980.00} the company sent me a denial letter with only information to contact the credit bureaus which they said had no information on me, but posted on the denial letter that my credit score was XXXX which makes me a qualified borrower this took place on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need immediate attention I took the action of sending dispute letters regarding inaccurate and unknown things on my credit report on XX/XX/2021. I have not received a response and its been well over 60 days. This is absolutely unacceptable Ive been through enough hardship especially during this pandemic were in. I feel like Im being exploited and being ignored on my disputes. Ive done my research and section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they shouldve been deleted immediately. I absolutely demand these accounts be deleted immediately or I will file for litigation due to the hardship and anxiety you caused me. My information was also impacted by the XXXX data breach and it seems it got into the hands of the wrong person. I need this taken cared of immediately
Product: Mortgage

i am filing this complaint based on current harrassment by citimortgage, since i refinanced my loan last year. they continously call me numerous times each month if i have n't paid my mortgage on the first day, although my payment is n't late and has n't went pass the late date, i have inquired as to why they are calling me and my payment is n't late nor have i been late and have asked them to cease, but to no avail. i strongly believe that i am being harrassed based on utilizing your services last year to help me resolve the unnecessary actions they were implementing on me with my refinance. i am also questioning why they have yet to send a copy of the deed of trust upon completion of the refi.your assistance in this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to make a one time payment to XXXX ( Toyota financial ) on XX/XX/XXXX. Payment was due XX/XX/XXXX. Was notified on XX/XX/XXXX that payment had not processed due to app error and they were working on fixing it. Scheduled a payment to be processed on XX/XX/XXXX for both XXXX and XXXX so ensure my bank account would not be over drawn. XX/XX/XXXX was notified by my personal bank and XXXX XXXX  that my account was delinquent with a 30 days past due and my credit score has dropped nearly XXXX points. I have contacted XXXX  about this several times in attempt to fix the problem while acknowledging that I was 30 days past I wouldnt not have been late if it hadnt of been for the app problems. At least three representatives have said they are aware that the app is post dating payments made which in turn is causing lots of accounts to have the same issue I am having. I have worked so hard to get my credit to where it was and to be able to afford things like a XXXX dollar a month car payment. I have had nothing but problems with this company for the 13 months my husband and I have worked with them and I am extremely disappointed in how they handle customer complaints and the fact that they know they are having computer issues and are not notifying customers of these problems. 

In both the app and XXXX  website I am not able to see all of my transactions. There isnt a way to see dates payments were made or scheduled and its not possible to see receipts for my record. 

As well as making sure when its requested to make a due date change its done in a reasonable time. I was charged month after month for late fees from XX/XX/XXXX until XX/XX/XXXX when a manager finally did the change her self for a 12 day date change.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and Im unsure why they appeared. I routinely check my report, but this time unexpected errors showed up. I even refreshed my browser to rule out a glitch, but the inaccurate accounts remained. Because of this, I request a thorough review of the documents I submitted so I wont have to worry about this again.
Product: Credit card

On XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX Bank of America charged my credit card auto pay twice. 
BofA didnt follow the rules applied the over payment as the credit refund to me. 
Until recently, I found theses mistakes of BofA and asked refund the overpayment. 
BofA only refund the XX/XX/XXXX negative balance to me but the others they said that was made outside of the current billing period they refused refund to me. 
I think thats my money BofA cant occupy it. Its the mistake they made.
Product: Credit reporting or other personal consumer reports

My personal information was stolen and i been trying to get accounts off my reports i dont recognize and no luck
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 I was notified by our Mortgage lender, Freedom Mortgage that they did not receive our payment for XX/XX/XXXX. I immediately faxed customer care the copy of the cashed check in the amount of XXXX. On XX/XX/XXXX, I received another letter asking for a payment of XXXX. They stated they did not receive my fax or payment for XX/XX/XXXX as well and are now charging me a late fee of XXXX. I proceeded to fax them proof of XX/XX/XXXX and XX/XX/XXXX 's payment. This time they told me they only got the first cover page of the fax. On my end I show that all pages of the fax were received. I have called customer service at least ten times, e-mailed three times and sent information certified letter to two different locations which they signed for. For some reason I discovered that the account number had gotten switched back to an old account number I had with XXXX XXXX  when Freedom acquired my loan. I do not know how this happened but I relayed this information to them. They acknowledged they got this information and proof of payment but continue to send me letters with threats of foreclosure and reporting me to the credit bureau. I got into my credit report today and found that Freedom Mortgage has now placed a negative mark on our spotless credit report. I will also be filing a dispute regarding this matter. I am helpless and unable to get this resolve while they damage my credit and threaten to foreclose on our home. It is time to make XX/XX/XXXX mortgage payment and I am frightened they will loose this one as well.
Product: Credit card

While trying to track an order I placed on the XXXX app, I called a number I found on XXXX for their customer service team. A person named " XXXX XXXX '' answered, I asked if this was the XXXX Customer Care and he said yes and that I had used the wrong spelling on my email address to place my order. He asked me to download an app called XXXX, said he would monitor my screen and asked me to send an email with my area code via my XXXX account. I was suspicious cause it seemed to me like transferring money ( I had never used a XXXX Gift card before ). I sent an email with my area code but my credit card bank notified me that I had transferred {$300.00}. I immediately called him out and he said it was because my XXXX  email id did not match the email id I used to place the order. He said if I transfer {$190.00} they would send me a gift card worth the total amount of {$500.00}. I was extremely suspicious and also desperate at this point because I lost {$300.00}. After making the XXXX  transfer, he told me to get a XXXX gift card to which they would transfer the money. I had no idea scammers used gift cards to scam so I proceeded to do exactly that. I got the git card which he made me take a picture of. All the while, the XXXX app was on XXXX mode on my phone, which he said was " only connecting to the server ''. I did not use any passwords because I have enabled Face ID but they did get me to try and use XXXX as a payment method for which I needed my SSN. XXXX did not verify my identity immediately so I dont believe my SSN is compromised. After I purchased the gift card and they failed to refund my money immediately, I was really suspicious and turned off XXXX on the XXXX app and gave an ultimatum that I would report them to the authorities if I don't receive my refund as soon as possible. He said it would take a couple hours for the money to be reflected on my account. I waited for over an hour and decided to call XXXX, explain the situation and cancel the gift card. XXXX obliged immediately. I called my credit card company ( XXXX Citi XXXX XXXX and explained the situation and asked them to try and cancel the pending transactions. They could not cancel but they disputed the transactions once posted. I was able to recover the {$500.00} from the XXXX gift card but am awaiting the result of the investigation from my bank on the {$500.00} transferred via XXXX Gift Card. XXXX said they could not help as it was a digital good and had already been used. Citi is denying my claim and will not reimburse me.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking over my credit report, I noticed that my social security number was stolen. There is an account on there that I never opened. I need this account removed from my credit report. I contacted the federal trade comission and got an Identity theft report to provide the credit bureaus with all of my info needed to process. Thank You.
Product: Credit reporting or other personal consumer reports

I BEEN WANTING TO SPEAK TO THE CEO OR SUPERVISOR.My account is paid in full and closed, for Blinc loan XXXX however its showing Im still 30 days past due for XXXX  2023. I am not understanding why Im showing 30 days past due when I paid the loan off. I feel very violated and wrongful of this on my XXXX report. I am not understanding why this company keep reporting negative information. Im going to the police to make a report and will be getting my lawyer involved There is no way I should still be showing late on my credit report of the account is closed and there is no balance! How Im 30 days late if there is no balance? WHY IS IT STILL SHOWING LATE FOR 2023 XXXX I paid the balance! I am getting the police involved!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX declined my XXXX XXXX application based on " You have recently been past due '' using TransUnion as the credit report. TransUnion says there are zero recent past due accounts. XXXX XXXX says TransUnion reports recent past due accounts to them. XXXX XXXX refuses to tell me what the past due accounts are. TransUnion says there are none and therefore I can not dispute anything. My score on the decline letter is XXXX. I am appealing to the CFPB because I have no way to dispute " recent past due '' accounts that do not exist. Note that XXXX XXXX blames TransUnion and TransUnion blames XXXX XXXX. Numerous calls to both, recorded by them, have failed resolve.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXXXXXX ( XXXX  ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these acoounts before I seek litigation for defamation of character ). 
XXXX XXXX XXXX  XXXX. {$470.00}, XXXX  XXXX XXXX XXXX XXXX. {$340.00}, XXXXXXXX XXXX XXXX XXXX bal. {$1700.00}, XXXX XXXX XXXX XXXX. {$690.00}, XXXX XXXX  XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

AMERICAN EXPRESS SERVE IS INDEED XXXX. I  WISH I COULD HAVE MORE PROOF. NO WAY A COMPANY CAN SURVIVE PROVIDING BENEFITS FOR THE PEOPLE OF TEXAS, ONLY TO XXXX   IT AND NOT COME THROUGH WITH THEIR PROMISES. 

I CLOSED THIS ACCOUNT ON A THURSDAY, AFTER AMERICAN EXPRESS FAILED TO PREVENT AN ACCOUNT HACK FOR XXXX. AFTER THAT FAILURE, ONE OF MANY OVER THE COURSE OF 2 YEARS, I CLOSED THE ACCOUNT. 

IT TOOK THEM 4 DAYS TO PROCESS IT. THEY REFUSED TO EXPRESS MAIL IT. I ALREADY HAVE TO WAIT 7-10 DAYS, ASSUMING THE POST OFFICE STILL EXISTS THEN. 

HOW CAN IT TAKE ALMOST 6 WEEKS TO GET SOMEONE THEY'RE MONEY BACK? MAKE IT MAKE SENSE. IF I EVER SEE THE PEOPLE RUNNING THIS BANK, IM XXXX ALL THEY XXXX. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had an account with Capital one Bank. This is not my account. I am a victim of identity theft. this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX Balance : {$330.00} Date Opened : XX/XX/2020 {$320.00}
Product: Credit card

I had a TD credit card on XXXX account. I Didnt not know it was still an active account nor was aware it was on my XXXX. My first payment wasnt processed and they dropped my credit score. The balance was paid in full a week later. It was an honest mistake but it dropped my score by a substantial amount. My score was over XXXX.