23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On  XXXX / XXXX / XXXX  at  XXXX    XXXX   I called a debt collector to request information on a letter I received from their company post marked  XXXX / XXXX / XXXX  on a {$270.00} bill. After I gave them my name and account number the male representative told me in an aggressive manner, " you hav e 24 hours to pay the bill ''. When I asked for information on the bill he repeated very aggressively again " pay the bill in 24 hours, do n't play with him or else ''. I repeatedly asked if his company could give me information on the bill in writing, he was not compliant but after another attempt to obtain information from his company he asked for my email address and then he hung up the phone while I was trying to talk to him. During the time I was requesting info on the bill he continued to speak over me very loudly, stating " I had 24 hour s to pay the bill so do n't play with him. '' I never raised my voice during the interaction nor gave him any form of rude communication. The entire experience left me physically and mentally distressed.
Product: Mortgage

I was late for my mortgage in XX/XX/XXXX, which I paid in XX/XX/XXXX. I reach out to CHFA and got a forbearance approved in XXXX, for XXXX, and XXXX of XXXX and XX/XX/XXXX. During this time my loan was still reporting late to the credit bureau, I started paying on my loan after the forbearance ended, I was also offered a partial claim back in XXXX of XXXX which took 3 months to be approved, this was then approve in XX/XX/XXXX and never got paid out until XXXX of XXXX, I was told to keep paying until it was paid out I have been paying on time since the forbearance, and was on time ever since, however as you can see in the attachment I have been reported late ever since the forbearance. I kindly ask that they remove the late payment report since XXXX XXXX to XX/XX/XXXX. Likewise, XXXX and XXXX of XXXX were also a forbearance period which I was also reported late for, please remove those as well. I am current on my mortgage and have only been late twice due to losing my job during XXXX. The Mortgage company made a note on my credit report that the late was due to natural disaster but refuse to remove the late reports. 

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

I had an account with this company. My account with XXXX XXXX XXXX what is a credit card account that I opened in XX/XX/XXXX. The account was in good standing for a long time and had a minimal balance. Then in XX/XX/XXXX I was involved in a major motor vehicle accident and around that time My Account Balance had grown excessively all the while I was in the hospital for over a month in a coma. We found out the charges were current even during that time. Which was in XXXX XXXX and part of XX/XX/XXXX. I attempted to relay this information to XXXX XXXX XXXX and they never took it serious and subsequently allowed my account to remain in a negative unpaid withstanding. Later they sold my dad to portfolio recovery Associates and have never allowed me the opportunity to square this up with them so that my credit would not be hurt by this negative balance. I would appreciate some intervention and Ive already talk to portfolio recovery associates they said they will terminate is dead and basically get rid of it the way it shouldve been done yours back yes I did this so Im doing it I appreciate any help you guys give. XXXX  XXXX XXXX  account # XXXX
Product: Checking or savings account

I have received a letter from wells Fargo saying that there was some issues with some accounts on their end and i had contacted them plenty of times letting them know that because of their mess ups with taking too much out of my account evert time I paid a bill or took money out at the atm is the reason why my account was off balance and I ended up being behind on my car payments which ended in my car being taken and i only had two payments left. I have contacted them by phone and went into DIFFERENT BERANCHES AND THEY DO NOTHING TELL ME ITS HOW THEY CHARGE ALL CUSTOMERS. ALL TOGETHER I LOST OUT ON {$8400.00}. THATS INCULDING THE LATE FEES, THE OVERDRAFT CHARGES, I EVEN GOT CHARGED WHEN I USED THERE ATMS TO TAKE MONEY OFF AND THEY ALWAYS SAID ITS A COMPUTER MISTAKE AND IT WILL BE FIXED BUT NEVER WAS. please HELP ME i HAD AN ACCOUNT WITH THEM FOR 4 YEARS I OPENED IT XX/XX/XXXX AND CLOSED ITXXXX XXXX XXXX. I ONLY RECIVED A {$5.00} CHECK FROM THEM AND THATS WHY I CONTACTED YOU GUYS
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A NEW COLECTION ACCOUNT THAT JUST APPEARED ON MY CREDIT REPORT THAT I THINK IS PART OF MY IDENTITY THEFT CASE BECAUSE I HAVE NO IDEA WHERE THIS CAME FROM AND WHO MAY HAVE OPENED IT USING MY PERSONAL INFORMATION.
Product: Student loan

I have contacted Sallie Mae more than a few times about lowering my {$1600.00} a month payment. All they ever say is did you ask your co-signer for help and the answer is yes I did and my co-signer can not afford that either. Its super high and ridiculous. I barely make that in a month at work, how am I supposed live if Im paying that amount a month? Sallie Mae offers no other options and does not help or work with me on bringing the monthly payment down.
Product: Credit reporting or other personal consumer reports

I got a notification that on my credit report & XXXX report are saying Im 30 days late on a payment for my bobs discount furniture credit card. That is not true. My last payment was made in XXXX & i already disputed this with the merchant. Its still on my report as i was never late on a payment. I also have two scheduled payments for this account that will be taken out in XXXX. I will appreciate the apparent late payment to be removed from my report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. It has been over 30 days so they should be deleted promptly. I'm demanding that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX Data Breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized accounts on my credit report, which I believe to be fraudulent. Upon reviewing my credit report, I discovered accounts that were not authorized by me and do not belong to me. I am certain that these accounts are fraudulent and request that they be removed from my credit report immediately.
Product: Checking or savings account

this complaint has already been received by the customer assistance case number.XXXX,,,,, XXXX XXXX XXXX XXXX these people sent me a letter XX/XX/XXXX saying they turned everything over to your company.. and today,, XX/XX/XXXX,,, i was told us bank had till XX/XX/XXXX to respond and they were to send a email to.. XXXX ... ... ... .... i did not receive this email so i would like you to send it again.. thank you XXXX XXXX,, i will call tomorrow
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to credit reporting agencies Experian and XXXX. Explaining that information reporting on the credit report is inaccurate. 

XXXX XXXX XXXX Amount {$8900.00} because reporting compliance of consumer credit claims of deficiency and or derogatoriness mandates that any item removed and or modified from one repository shall also have " CARBON COPIES '' of that action forwarded to any and all other repositories from which the reporting data furnisher reports. 


1 ). e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DF 's ) and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes.

2 ). CRAs include XXXX, Experian, XXXX, and XXXX their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies e-OSCAR also provides for DFs to send " out-of-cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated University Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management, and reporting. 
3 ). ACDVs Initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF 4 ). The ACDV is returned e-OSCAR web-based, Metro 2 compliant, automated system ..... 
CRAs include XXXX, Experian, XXXX and XXXX, their affiliates or Independent Credit Mortgage Reporting Companies.

ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Date Furnisher The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history.

5 ). If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship
Product: Consumer Loan

I bought a XXXX Honda Accord on Sunday, XXXX XXXX, 2015 from Honda XXXX in XXXX, Georgia. I signed a contract stating that I was financing {$12000.00} at 0.9 % APR. I logged into my account at hondafinancialservices.com on XXXX XXXX, 2015 to make a my first payment ( they were delayed in sending my statement for an undisclosed reason ), and noticed that I was being charged a higher amount. My payoff amount was noted at {$12000.00}. I worked through the amortization, and calculated that if they the contract were funded at time of purchase, and Honda was charging me continuously compounded interest for 31 days, the maximum payoff amount can be is {$12000.00} ( rounded up ). 

They are therefore either charging me an undisclosed fee, or an interest rate higher than what I signed at. I specifically and verbally negotiated with the salesman ( XXXX XXXX ; this is the name on my documentation. I believe this is wrong ) and business manager ( XXXX XXXX XXXX that I will not be charged any kind of fee ( except interest ) for financing the vehicle through Honda Financial Services ( I have this conversation recorded on my mobile phone ). 

I will be happy to provide all documentation, spreadsheets, screenshots, and recorded conversations necessary in order to resolve this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called and spoke to XXXX and XXXX and personally faxed and mailed to Transunion all bureaus stated it would be removed. 


In accordance with the Fair Credit Reporting act 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  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: Payday loan, title loan, or personal loan

On XX/XX/2018, I was loaned {$420.00} by this company. The money was sent to my XXXX XXXX account via ACH direct deposit. While I knew the interest rate was high, I did not understand that it was 639.17 %. The first payment on the loan was automatically debited from my checking account on XX/XX/18 in the amount of {$210.00}. On XX/XX/18 at XXXX XXXX pacific time, I contacted the lender and requested the loan payoff amount. I was told that the soonest the loan payoff could be processed is XX/XX/18 and that the payoff amount would be more than {$420.00}. I agreed to the payoff amount and have authorized the loan payoff to be debited from bank account electronically. I asked the loan representative to send me a statement that includes the following details : The date of the loan, the amount of the loan, the payment that was made, the total amount of interest and fees I was charged and confirmation that the loan has been paid in full. I was told that the only statement I will receive is an email stating the loan is paid in full. 

This company is funding loans in California that are illegal and in direct violation of California 's predatory lending laws. The company is cloaking itself and its actions by claiming the loan is governed ONLY by the laws of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and no other State or Federal laws are applicable. I do not believe this is the case and would like confirmation that their claims are true. 

I was backed into a corner financially and felt that I had no choice but to accept the funds offered by this lender. They took advantage of my desperation and I have paid dearly for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is simply to notify you of my intent to sue your company for the persistent violations of my consumer rights per the Fair Credit Reporting Act and Federal Trade Commission as well as to give you one last chance to remove these erroneous accounts from my credit report immediately. 

1. Proof of repeated attempts to dispute and resolve this frivolous account directly with your agency over the past several months. I have copies of the several dispute letters sent to and received by you.

2. Proof of your repeated frivolous Verified responses. I have proof from these data furnishers stating that you never contacted them to investigate.

3. Proof of your refusal to sufficiently investigate, including recorded phone calls that can be used in a court of law.

4. Proof that you have refused to forward ALL proof and documentation that I have provided to you for the data furnisher in regards to my dispute.

5. Proof of your repeated violations to continue sharing and profiting from inaccurate, incomplete, and unverifiable information about me to potential creditors.

I have all the proof that I need to take you to court and win as, by law, you are not allowed to report this information as you have been, especially for a debt that is NOT MINE.

Therefore, I have every right to take you to court to seek damages for what you have put me through. However, it would be more beneficial to me to have this account removed sooner than later and thus, the reason for me giving you, literally, ONE MORE CHANCE to do the right thing and resolve this matter outside of court, saving you more than approximately {$10000.00}.

I've counted at least 10 violations of my rights to date and most of which, you have violated on multiple occasions so if I do pursue legal ramifications, then you will not only be looking at FINES of {$1000.00} per occurrence ( totaling $ 10,000- {$20000.00} ), but you will also be looking at whatever monetary damages that the court sees fit to award me, including legal fees.

Please do the right thing and remove these inaccurate accounts from my credit reports within the next 15 days and I will NOT move forward with my intent to sue. OR you can simply ignore this letter, as you have repeatedly done so in the past, tacking onto the repeated violations you've already made, and take this thing to court where we will settle it there.

If I do not hear from you within the next 15 days, then I will simply check my credit report again in 15 days. And if you are still reporting inaccuracies at that time, then I will have to assume that you have chosen to ignore my requests for a resolution to this erroneous information yet, once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Document submission is my blank credit report I have attempted to get my Experian report which is constantly denied using I have upgraded to view my credit report. It wont allow me to dispute not at anytime does expieran allow me to view a report on line ever. 
My report today was blank no name and wouldn't download. 
I have been filling reports of the criminal crimes against me are on going. 
Everytime I attempt to remove my credit freeze I get an error fir over a year sorry under maintenance. I have not received an Expieran report since XXXX in addition to Expieran is where all my Aggressive ID theft .Fraud commercial underwriting and fraud business registration since XXXX. In addition my dispute of alias and and old address says it was deleted in my dispute result. However, its a lie because the info still remains when I attempt to dispute anything it gives me an error
Product: Mortgage

I have a XXXX mortgage serviced by Seterus, because of a payment change and an escrow shortage the account fell behind about {$5600.00}. I have proposed to Seterus to make XXXX ( XXXX ) monthly payments of {$500.00} to get the account current. They are giving me a hard time and threatening foreclosure for such a small amount, especially the regular monthly payments are been made.
Product: Credit reporting or other personal consumer reports

Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws Equifax, XXXX, XXXX, has violated from reporting illegal late payments to allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 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.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this SectionFirthermore you must have a license to collect in Texas Finance code 392.101 A collection agency my not collect in Texas without having a license it is illegal and a major violation..XXXX XXXX XXXX IS NOT LICENSED IN TEXAS.XXXX XXXX IS NOT LICENSED IN TEXAS.XXXX XXXX XXXX IS NOT LICENSED IN TEXAS TO COLLECT
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate disputes on my credit report, resulting in the inclusion of inaccurate and misleading information. Despite disputing errors on my report, Equifax did not conduct a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). The company accepted incomplete or inaccurate responses from data furnishers without proper scrutiny, leading to the persistence of incorrect entries. Additionally, I discovered that inaccurate information was improperly reinserted into my credit report, likely under a new furnishers name. These errors have negatively impacted my ability to access credit, housing, and employment opportunities.
Product: Money transfer, virtual currency, or money service

This incident started with the sale of a used home oil furnace that was listed on XXXX and XXXX marketplace. I was contacted on XX/XX/2020 from the XXXX ad to purchase the furnace. The initial email used the domain with " electricalservices '' to make me think this was legitimate, but later was changed to regular gmail account during the email thread. After an agreement of the price of {$870.00} plus {$70.00} extra for the moving service, the seller asked for me to remove the listing as the seller made arrangements to get the cashier 's check sent. On XX/XX/XXXX, the check arrived for the amount of {$2900.00}, which was supposedly for paying the movers for the seller 's other properties. The check was deposited Chase mobile banking and I waited for the funds to be removed from its pending status. On XX/XX/XXXX, the status was no longer pending and part of the funds ( {$2000.00} ) was sent via XXXX ( Chase Bank 's electronic money sending service ) to another email the seller provided. The seller then backed out due to a death in their family and no longer was interested in the purchase of the furnace. The remainder of the money ( {$900.00} ) was sent to the same email for the thought that this was " dirty '' money and I did not want it in my bank account. The same day, I contacted the local police to begin their investigation ( case # XXXX ). On XX/XX/XXXX, the check was returned due to being deemed altered / fictitious. With the police reaching a dead-end in their recovery search, I am without the {$2900.00} in my checking account.
Product: Debt collection

I received several calls in the last few days from XXXX ( XXXX, TX ) which came up as " Possible Scam ''. After seeing the same number repeatedly I answered it today. It was National Recovery Systems and they wanted to speak to XXXX XXXX XXXX ( but they had my phone number instead of his! ). I explained that he wasn't available and asked if I could take a message. They asked who I am and I said his spouse. He then asked me to confirm my husband 's birthdate which he gave to me. Since he already had it, I confirmed the date. He then said since I confirmed it he could now talk to me. ( He did not ask for my husband 's permission! ) He said this is a dept collection service and he referenced a debt of {$210.00} to XXXX ( medical providers ) from 2015. I said I had no idea why he was calling since I had already been through 2 credit collection agencies ( the most recent was XXXX XXXX ) regarding that {$210.00} and that neither could provide any documentation that showed I owed that debt. It had already been sent to the credit report agencies as a bad debt. I made that request for information by letter and stated that if they were unable to provide such documentation, they should remove it from our credit reports. I eventually received a letter that said they could not verify it and would remove it. ( The credit reporting agency finally, after reviewing my documentation, removed it -- XXXX did nothing. ) He put me to his manager who " could give me more information about the debt '' which had only come to them yesterday -- really?! ). When I started telling the manager that this matter was resolved months ago and furthermore, I didn't believe a debt that old could be pursued, he hung up on me. I have never before been told we owed any debt to XXXX and we have been using those facilities for many years! We pay our bills and always on time!
Product: Checking or savings account

Account closed to overdrafts XXXX  caused directly by me