23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was appointed my siste rs POA an d advised by the court I was not responsible for her. Debts. This was also confirmed by   Dept. Of Human Services.
Regardless I personally was sent to collections without my know  ledge without past due or contact for 2 years by the facility she resided in for approx 4 monthes.     I requested detailed confirmation of what charges were for and why I was not contacted. That was over a month ago. The information I did receive was a copy of the contract no dollar breakdown or dates trying to contact me. This was sent signature required upon receipt to both collection agency and facility i over 30 days ago with no response.     The facility was   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   Or.  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Pa  XXXX  accent ref #  XXXX
Product: Mortgage

I been trying for 8 years to refinance my loan this time they turn me down because of credit history. which is in good standing.The underwriter will not bring my loan montly payment down to a, Affordable payment.
Product: Student loan

There was an advertisement on XXXX about student loan forgiveness. I called and they told me since I have over {$10000.00} in debt and work for a XXXX XXXX, they could forgive my loan and consolidate them. I gave them all my information SSN, bank account, and they sent me a contract that I signed. My first payment is scheduled to come out on XX/XX/XXXX 2017. I called onXX/XX/XXXX and signed the contract on XX/XX/XXXXalso. My first 4 payments were for {$220.00} and then {$20.00} a month for 10 years and the rest would be forgiven. I believe it was a scam and they have all my personal information. The company is called Premier Student Loan Center and in the contract if had information about the Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to get these UNAUTHORIZED inquiries removed and no one is helping. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax
Product: Student loan

I was paying my loans monthly payments. I filed for bankruptcy on other debt that I owed which immdeiately placed my private student loan into default even though I did not include this loan in my bankruptcy, and I was still paying them. They sold my loan to a debt collector and never told me who they sold it to. Fast forward a year later- I am now receivign phone calls demanding I pay the full amount owed and they refuse to take any payments other than the full amount. They are also refusing to send me any documentation in the mail. My original loan was through AFG.
Product: Checking or savings account

I was banking with Huntington had a asterisk checking account I received a XXXX from a customer as a business transaction when I tried to retrieve those funds they told me that my account was being compromised for a suspicion of fraud when though there was no evidence of fraud just a regular transaction as a purchase for my clothing business and I was left without an account for years up until this day Im not able to get a personal account due to being in the XXXX XXXX  it was really tough I missed out on a $ XXXX XXXX XXXX  due to that account being my primary account I also lost customers and was stuck with a lot of merchandise cause I wasnt able to receive any XXXX for purchase and shipping it made it difficult on me I couldnt get any other bank accounts it caused me emotional distress due to me not able to maintain savings
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought a car and financed it XX/XX/XXXX. 
- statefarm bank ( account no XXXX XXXX ) While paying the loan every month, I got a call from the bank saying that it was not paying for XXXX. ( XX/XX/XXXX ) The next day I made a deposit and reviewed my bank account. ( XXXX ) I found that the XXXX payment was returned in XXXX. ( XXXX ) I don't know why it was returned However, they first informed the credit agency that the payment was late and notified me in XXXX ( AFTER 5 months!!! ) of the following year instead of XXXX, causing a huge damage to the credit. 

They called me and said they left me a voicemail, but my voicemail is not set up. It is also the first time on the phone on XX/XX/XXXX. 
they just keep lying This XXXX three months ' payment has been processed at once, but it doesn't seem normal and I'm worried that this will happen again. 

The customer service is terrible. I'm going to change the bank soon.
Product: Debt collection

CBE group Charter communications {$320.00} Says opened XX/XX/2022 This info is from XXXX XXXX I have a XXXX account. I am in good standing. 

For over 2 years now I am getting harassed by different reports of a debt that doesnt exist, is identity theft, or isnt mine. 

I have reported this and its been removed 2x from my account. 

I have contacted XXXX SO many times, at least 20, to ask about this and they say my balance is XXXX and there is nothing to do. 

I just had my debit card hacked, again. Im very careful. Maybe someone opened an account in my name or stole my account when I moved out of an apt in XXXX XXXX years ago and shut off the service. Confirmed it. Was supposed to delete my info. They kept my acct open for months. 

The account was not mine, anyway. It was set to auto pay and of the account of my mom with XXXX XXXX. Shes been scammed so many times. My guess is this is part of that. 

I need this to stop. 
My credit accounts are frozen due to fraud, and my score is important and this is harassment. 
I only find out about it when it goes to my credit score and my app gives me an alert. I have to XXXX to find out what the company is. Its being passed around and reset multiple times. I already reported this to you and XXXX. But that was different because it was a different collector, who i called and asked for information and they refused or couldnt provide anything. 

This is not my debt. 
What can I do to get this vicious cycle to stop? 
XXXX XXXX, XXXX, trying to find an apartment so temp XXXX and need my score good, I have perfect payment history. I pay my bills on autopay. 

Please help this get removed from my report AND stop repeating. 
Ive reported charter to the XXXX, too. Ive researched and they have millions of complaints due to incorrect and inaccurate processes. Its fraud. They need to be stopped. Thank you
Product: Checking or savings account

These losses were suffered on XX/XX/XXXX and XX/XX/XXXX after being contacted by a person who identified themselves as an officer of the attorney general. He informed me that someone was using my personal information to commit fraudulent federal crimes and I had to liquidate the funds from my bank account prior to my social security number being frozen. 
The fraudulent person swindled and scammed {$6800.00} via pre-paid gift cards that I purchased under extreme mental and emotional stress. He told me that I was being followed and I provided my personal work schedule and other intimate details of my life via text. After not receiving an email with additional steps at the Social Security office, I immediately called the police on XX/XX/XXXX to file a police report. I also called Capital One 's checking and credit card departments to inform them of what happened. The agents I spoke to were able to dispute the charges listed under the disputed charges list as they were from XXXX XXXX and had posted in the system. The remaining fraud claim numbers are for charges made at XXXX which posted a day or two in Capital One 's system. I have provided a 90 page document showing the police report, gift cards with proof of purchase, and have sent rebuttals back informing that the merchant 's policy is no refund on pre-paid gift cards. The police officer I spoke to informed me to call the phone number on the back of the gift cards to see if it's possible to get the money back as a refund. When I called the gift card merchant, they informed the funds were taken the same day. Capital One 's policy states that since I made the transactions myself, they are not considered fraud or disputable and since the merchant won't refund them back the money, they have reversed all provisional credits as debits in all 4 accounts. So I have lost everything and have nothing to show for all funds stolen from me.
Product: Student loan

A complete fabrication of so called " help '' during the Covid-19 Worldwide Pandemic, and taking advantage of their borrowers. SOFI does NOT care if you are in hardship due to Covid-19. Their only concern is to make more money. At first, they offered no help/forbearance at all, but buckled under pressure after Federal Student loans offered help while Private Student loans did not. So they changed their tune to " want to help '' by allowing a 2 month Forbearance, however on the caveat that you would still be accruing interest every day and only get a break on 2 months principle on the back end ( that tells you something right there ). The SOFI reps ( 2 reps, 2 calls ) were very clear that the interest would be paid be paid over the length of the loan. A 3rd rep also had that understanding. XX/XX/XXXX we find out - surprise! Interest payments to be up PAID front over the next 3 months to the tune of an add'l ~ {$1400.00}! And they raid the monthly payment on top of that! They flat out LIED to us. Be cautious. We have been with them for 5 years ( XX/XX/XXXX), with 2 Loans ( Parent & Student ) that started at $ XXXX. They have made a TON of interest ofs of us in those 5 years. We have seen the progression from a Company with XXXX founders, that seemed to really want to help ( Social Financing ) to another greedy large-scale Corporation, making more money off the backs of our youth and future of this Country. XXXX is their cohort, we found that out as we struggled to fight for our rights with them. At the end, they & XXXX do not care to stand by their word, or help their borrowers in need during a worldwide PANDEMIC. They said they may consider that in the future, but for now sorry nothing we can do about it. Yes, that is true. Maybe thats how you pay for a new SOFI XXXX Stadium in LA and for all those commercials on TV. Shame on them!
Product: Credit reporting or other personal consumer reports

I am writing to address a significant discrepancy on my credit report regarding an incorrect bankruptcy filing. While my attorney and I initiated the bankruptcy petition, I subsequently withdrew it before any court date was set for approval. As such, it was never officially filed. Despite this, my credit report inaccurately reflects a bankruptcy, negatively impacting my credit profile as if I had completed the filing. I would like to emphasize that I have paid off all my accounts, which should be clear on my report, indicating that none of them were included in any bankruptcy proceedings. Additionally, I previously requested that they provide proof of the source of this information ; because I received a letter from the courts confirming that they do not release such information to third parties. I also do not see this bankruptcy reported on my XXXX report, raising further questions about the accuracy of the information on my credit report. I kindly ask for your assistance in resolving this matter promptly and accurately. Thank you for your attention to this issue. 

I have attached Letter from the Courts XXXX XXXX  Report Motion to Dismiss
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be deleted immediately : XXXX XXXX XXXX XXXX
Product: Debt collection

JCP  Credit Card abusive tactics : On   XX/XX/XXXX   I purchased several items with the credit card and pay the bill in cash before leaving t o Puerto Rico for  several weeks.     When I returned it was already past due. I tried searching for my receipt and I was unable to find it.     They called from multiple numbers with a per-recording stating that I was going to be recorded. They did not identified them self when I asked. There is a lot of fraud going on with these types of calls so I did not provide information or payment. These calls were at all hours from different  XXXX  numbers or area cods.      JCP c redit ca rd ( Synchrony Bank ) de creased my credit limit from  XXXX  to to the amount I owed plus the over charge fee, in order to hit me with additional charges. So instead of just reporting a late payment, by decreasing my credit limit they charged the highest fee and damage my credit twice.     Instead of {$45.00} dollar credit, I ended up paying aroun d  XXXX  JCP ta  kes  no responsibility and just tells you to call : Synchrony Bank  XXXX   XXXX   XXXX .  XXXX   XXXX   ,  OH  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a credited letter return receipt 2 weeks ago addressing Equifaxs incorrect information on my report. They are reporting a fraudulent account - XXXX and removed my freeze I was entitled to and had before my last name changed! This was a file mix and they must remove the XXXX account and credit inquiries that are fraudulent and not authorized by me! I've filed a FTC report, numerous police reports, and the attorney general. I demand they block the fraudulent account and reinstate my freeze.
Product: Credit card or prepaid card

When I try to transfer my Membership Rewards points to XXXX, I find out American Express freezes my account. They say : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' When I reach Amex customer service, a representative told me my account is being reviewed by their corporate office, they can do nothing about it. My points are my asset, which are equivalent to cash. I don't think American Express has any rights to hold my asset at any time. I have a travel plan soon, so I need to transfer my points ASAP to redeem a flight ticket.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I checked my credit report on XXXX and it reported that I have an open, current loan from XXXX XXXX XXXX in the amount of {$1300.00} with $ XXXX  monthly payments. I have no idea about a loan and I never did an application for a loan or received any money. On XX/XX/XXXX I called XXXX XXXX XXXX and was transferred to XXXX to do a fraud dispute. XXXX informed me that XXXX XXXX XXXX purchased my information from Equifax and sent me a check in the mail. I informed her that I never authorized any form of a loan nor did I receive a check. I asked her if this was illegal and she said it is not. XXXX said the next steps was for her to send me an affidavit and have me sign it and get it notarized at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX and then they would investigate the situation. XXXX told me she would call me back in 2 days from XX/XX/XXXX when the affidavit was ready for me to come and sign at their XXXX office location.
Product: Credit reporting or other personal consumer reports

1. ) Effective XX/XX/year> I phoned and cancelled our XXXX XXXX policy with a monthly premium of {$460.00}. Please see supporting documented proof of final payment {$460.00} to XXXX XXXX. 

2. ) Effective XX/XX/year> my husband XXXX XXXX XXXX purchased a new auto policy through XXXX XXXX. Please see proof XXXX XXXX XXXX quote and our new policy ID cards proof. 

3. ) Please delete XXXX from my credit report asap as I do not owe XXXX, this is an error because I have no balance due to them because I canceled coverage and purchased another policy with CXXXX XXXX XXXX 

4. ) I have a name change also not been updated. My name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Factual Dispute of Charge-Off Account - XXXX XXXX Account XXXX  XXXX I am writing this letter as a consumer to dispute the accuracy of an account listed on my consumer report. Upon reviewing my report, I noticed that the charge-off account labeled as XXXX XXXX Account XXXX  XXXX has not been properly investigated following my previous dispute, as of today, XXXX XXXX XXXX. 

Despite my numerous attempts to address the inaccuracies related to this account, it has come to my attention that TransUnion continues to report this account as inaccurate, incomplete, and unverifiable. Specifically, I would like to bring to your attention the following discrepancies : Balance Reporting : TransUnion is inaccurately reporting the balance on this account as {$950.00}, with a past due balance of {$800.00}. These amounts are incorrect and do not reflect the true status of the account. 

Missing Payment History : Upon reviewing the updates from your agency, I have observed that there is no payment history being reported for this account. The absence of a two-year payment history further undermines the accuracy and verifiability of this account.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

On the payment app Venmo, I have held a balance of {$630.00} that has been frozen for well over 800 days. I have been consistently asking them to unfreeze my account so I can have access to my funds. They have not done anything to help me out or release the funds to me.