23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XXXX/24 I received a notice left at my front door that had not been sealed or concealed my identification exposed at my apartment building. The letter stated that I am being taken to small claims court for XXXX by capital one. I am an single struggling American citizen. All my expensive has gone up and my job has cut hours so I am struggling to make ends meet. I kindly request that this lawsuit be taken out of court so that this can be settled. Due to the fact that the account was charged off I will like to request to have a smaller settlement amount with time to pay it back. Dragging me into court will default in a hardship at my company because we are assigned a point system and I can not afford to met any unscheduled days or call off. Covid had a hard impact on my job and caused us to have cut backs and reduced hours I'm making less money than I have before and struggle to gain hours. I can barley afford to pay food and shelter and my rent is being raised by XXXX dollars which I am unsure how I would met that.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 records of convictions of crimes 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2018 my vehicle was broken into at my place of employment. The individuals stole my purse which contained my drivers license, social security card, and store credit cards. I immediately called the police to file a report and closed my accounts. Unfortunately on XX/XX/2018 the individuals that stole my belongings, purchased a vehicle online through XXXX.XXXX  using my information.The vehicle was delivered to these individuals. I have called numerous times and have contacted their legal department via email as well. I have sent them my police report and they have actually been in contact with the detective on my case. The individuals that have stolen my identity to purchase this vehicle have been arrested and are currently in jail for this crime, yet XXXX/XXXX  refuses to take this vehicle off my credit report.
Product: Debt collection

The amount has been paid in full, they have false information on my transunion they reported it was paid in full on XXXX. Which is correct but they still have not fixed my transunion stating that its still not paid. This is effecting my credit score. For what reason that ford wont report it paid of as they did to XXXX. I even paid XXXX XXXX  xtra. They did not notice. They are good at collecting money and what they want but report false information on my transunion.
Product: Payday loan

The Federal Gov. in XXXX convicted XXXX XXXX with payday loans.I have a payday loan. Never knew charged over 134 % payback on $ XXXX.Taking it out of my bank.If you miss a payment charged $ 180.00.Names are QC Financial/Payday, Quick Cash, and XXXX of XXXX XXXX XXXX XXXX XXXX KS. XXXX.All was done over a phone.13 month loan.is XXXX.I never had no idea about this, XXXX 2015 they take XXXX out of my bank.I need help.They threatened me ...
Product: Debt collection

I am the family member of the person this agency is attempting to contact. They have called me more than XXXX time. They asked me to deliver a message to my family member. They have admitted that when they call me they do n't even know who I am, but they continued to call. They interrupt my work and my personal life with these calls. 

I was called more than once by the caller " XXXX '' at XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX have received multiple calls from XXXX which I also believe to be for the same purpose.
Product: Student loan

At one point, five years into my loan repayment under the PSLF, they suddenly changed my due date, which would 've required me to pay the loan twice in one month. Because I had the money taken directly out of my check, I did not realize this and ended up being put two months behind, thus kicking me out of the PSLF and I had to start from year one. 
Two years ago, I returned to school and was placed on forebearance. During the XXXX break, Navient advised the Dept of Education that I was no longer in school and I had to refill out forebearance paperwork, and also make two months worth of loan payments, with Navient saying I had already applied for two of three forebearances I 'm entitled to. The Dept of Education confirmed that Navient advised I had stopped attending school, even though my FASFA was current, and University XXXX showed me as a full time student.
Product: Student loan

Im not 100 % sure that i was part of predatory lending but it does seem like a lot of people have issues with XXXX and XXXX. I for XXXX have tried to make payments to the vendor XXXX but due to being in and out of jobs it was difficult to stay up on considering having a family to take care of now and then it was just a burden to pay monthly payments. for now XXXX of my private loans went into default a few years ago, i currently pay a little payment on XXXX of the private loans which is probably a waste of time. my federal loans have not been paid since their inception.
Product: Mortgage

I have been trying to assume an FHA mortgage from XXXX since XX/XX/XXXX and I am having no result they keep promising to send the document and nothing was sent. 

I need your help in securing the assumption documents by mail, fax or email : Our Names : XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Fax : ( XXXX ) XXXX email : XXXXXXXXXXXX Attached please find the authorization form and loan information signed by seller.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I rec 'd a telephone call from a person identifying himself as a representative of CASH APP he stated that my account was hacked and he would help me get my money back By following his instruction he was able to convince that what I was doing would get my money didnt make sense I hung up I called my bank I called cashApp but both entities said I had no recourse and my money was gone I cancelled my debit card and no longer use the Cash app but I am out XXXX I AM A SENIOR CITZEN ON A FIXED IINCOME This loss is a hardship to be sure What can I do now to get my money back I am at a loss Please help me Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of a XXXX Acct XXXX # XXXX, which yXXXX refused. I submitted enough information for them to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified one of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If they had investigated properly, rather than use your XXXX system, they would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( XXXX  ), and XXXX v. XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter,
Product: Credit card

I am going through litigation in a XXXX XXXXl divorce, account was closed not by me. I believe this could have been done to sabotage my ability to move out of marital home, I have given Capital One every single price of information they requested to no avail.
Product: Debt collection

I am being sued in two different cases in civil court in XXXX County Ohio by Stenger and Stenger, affiliates of XXXX XXXX. Both accounts are the result of identity theft, of which I am the victim. XXXX XXXX and their affiliates / attorneys, Stenger and Stenger are basically dragging their feet on providing me any kind of documentation that Ive requested including an affidavit of fraud. Neither Stenger and Stenger nor XXXX XXXX have responded to my requests for validation of the debt or my numerous requests that they investigate this as fraud. They wont cooperate in any attempts to prove this debt is invalid and fraudulent. They refuse to validate the debt as per the Fair Credit Reporting Act. They are using the court system to basically force me into paying them for a debt I do not owe by not cooperating in hopes I will give up and pay them. I believe these parties are fully aware that these two accounts are indeed a result of fraud. I believe they do not care about a just outcome in these matters. They only want to win.
Product: Checking or savings account

There was a report advertised see link below yet ive been charged {$35.00} this is false advertisement and discrimination the people that struggle the most are still charged the higher overdraft fee this is ridiculous XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Student loan

My student loans are serviced by Nelnet. When I started XXXX  school, my new XXXX  loans were automatically placed in deferment. I submitted a request through the Nelnet website to also place my XXXX loans in deferment, but Nelnet has not responded nor have they updated my loan status. They do not answer calls or emails. I am still being charged interest and expected to make payments each month. My first request was in XX/XX/2023, nearly two months ago.
Product: Credit card

After looking at my credit report I have noticed that I have been a victim of identity theft/ identity fraud. An account was opened on XX/XX/XXXX for a credit card with a limit of {$3000.00} that I did not open. I have sent a certificated letter to this company with documents verifying my identity that they received on XX/XX/XXXX. It has been past XXXX days since this company has had my letter and I have not had a response from this company about my dispute status or the process of how they investigate matters like this one. My rights are being violated by this company under the Fair Credit Reporting Act due to the fact that I have not had a response within XXXX days of them receiving my letter. I am asking that this account be deleted and removed from my records immediately. Here is the article number and tracking number for my certificated letter and documents with the letter Article # XXXX XXXX XXXX XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Can you please help me with this unfortunate and time consuming matter. Thank you.
Product: Debt collection

On XX/XX/2022 and XX/XX/2022 I wrote to The Bureaus, Inc requesting that they validate an alleged debt they claimed is owed to them by me. In my letter I requested that they provide specific documentation of validation as pursuant 15 USC 1692g ( b ). However, they failed to address my very specific legal requests, and have continued to unlawfully report this purported debt in violation of my right to privacy and the cease and desist requests, submitted in my previous communications, as defined under the FDCPA. The instruments they provided did not validate their proof of claim as it did not include evidence of any legal instruments bearing my my signature or their lawful right to collect on this alleged debt ; nor did it contain the accounting ledger in accordance with 15 USC 44 that illustrates the amount they purchased this alleged debt for and the correct amount allegedly due. Under the FDCPA it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Their negligence and unlawful reporting of this alleged debt is causing me unwarranted stress and frustration, damaging my reputation and credit worthiness, and affecting my mode of living.
Product: Debt collection

PHOENIX FINANCIAL SERVIC is a ttempting to collect a debt that is not mine from   XXXX   XXXX   XXXX   which i have disputed them so many times with other  debt collectors they say th ey will handle it and now it is popping ack up again. that it is getting ridiculous and i am about to hire a lawyer. this is not my debt i never even been to north carolina. date reports as opened  XXXX  on my credit report. i been in Georgia this is crazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act Bankruptcy XXXX XXXX  account number XXXX, has violated My Rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to financial hardships I took the initiative to apply and was approve for a repayment plan with XXXX XXXX XXXX for my car loan. I agreed to pay {$450.00} on the 24th of every month for the next 8months and after my regular payment cycle will continue. I paid my part of the agreement. XXXX XXXX reported inaccurate information on my credit report which is a violation of my consumer rights, which placed me at a risk for fraud. I am mentally distress due to the breech in contract. I contacted XXXX XX/XX/2023 and was told I could receive a waiver due to their lack of miscommunication of the repayment plan and their inconsistencies. I was told to wait 45 days. It has been more than 45 days and I have not received anything in writing. I am writing a complaint because this company has reported inaccurate account information of alleged late payments for the months of XXXX XXXX XXXX and XXXX of XXXX  and is inconsistent. My credit report has change numerous time due to XXXX XXXX incorrect reporting.
Product: Credit card

I actually dont want an explanation. I am getting XXXX with credit card companies as Im a hard working individual who payed all payments through a pandemic and these companies are screwing me and its messing up my credit I have built my whole life to the point I dont want to pay my credit card bills anymore. I make sure my balances owed are a certain percentage below the limit to maintain a good credit score. This credit card lowered my available balance which dropped my credit score XXXX points. 
I want it back to where it was how can someone mess with my credit like that. Im done being taken advantage of and seriously not paying the companies that are XXXX me when I have never XXXX them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a response from the 3 reporting credit bureau 's XXXX, XXXX, and Transunion that 2 items on my credit report were correct and could not be deleted until XXXX. 

The two items in question is with XXXX # XXXX date opened XX/XX/XXXX and date open XX/XX/XXXX. On both accounts its reporting the last payment made was XX/XX/XXXX which is not true I never made a payment on either account so they are reporting false information to keep these negative accounts on my record for more than 10 years. 

When I received my credit report in XXXX it showed on these two accounts that they would be eligible to be deleted in XXXX. That did not happen so when I contacted the 3 reporting agencies they ended up extending it to XXXX which is greater than the 10 years of which these accounts were first open and I was over 120 days past due.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file.

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights.

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.
Product: Credit card

On XXXX XXXX, 2015 my then girlfriend and I went to a Kay 's outlet store in XXXX to look at potential engagement rings. At that time an employee named XXXX began showing us rings and at first was very helpful, however when we told him we were unsure about how much I could afford to purchase a ring he started telling us he could check and see how much I could be approved for. He started having me fill out forms and had another employee show my girlfriend other rings. He eventually filled out XXXX for my girlfriend and had her sign the same form. We had made it very clear that we did not want to move forward with anything and the whole time he kept reassuring us that this would just be to authorize him to run our credit scores and that nothing would be opened and there would be no commitments or obligations. He knew this was the first store we had gone to and being that he was very open and friendly we trusted him. We left without buying a ring and said we would come back once we figured out finances. XXXX ended up opening XXXX accounts for us. XXXX joint account with my girlfriend XXXX XXXX, and I and XXXX for just myself. We discovered this when the cards came in the mail. I am very displeased with his behavior and conduct. He was VERY deceptive and obviously had every intention of opening these XXXX accounts. He took advantage of us being first time buyers, he fast talked me about him being in the military and distracted my girlfriend with his other associate, showing her other rings. These open accounts have now dropped my credit score, which I have worked extremely hard to improve over the last few years, and have put a hard hit and an open account on my girlfriends. We called customer service today and the rep on the phone said they could close it but there was nothing they could do to delete it from our credit reports. We both received letters notifying us of the same from their customer service department. Per the customer service rep, she stated that us signing the forms, which I now realize were not credit score authorization forms they were credit cards, meant that we authorized him to open credit accounts for us, and they could not be removed from our credit reports. I understand it was my mistake for not reading the fine print, but like I said we trusted him and were caught up in the excitement of looking for engagement rings. It 's very disappointing to see that this guy preyed on first time buyers and the fact that I am a service member which he talked about extensively, and now the customer service is unwilling to help us, standing by the fact that what their employee did was ethical. If I need to file a police report to get this removed from all XXXX credit report with our local police I will, but I 'm hoping you can help get this resolved without having to file one and submit a formal complaint on Kay 's employee conduct. The joint account number is XXXX and the single account for me is XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXXXX/XX/year> I paid back the loan i had out witch was XXXX. I did this my self. the next day solo took another XXXX XXXX out of my account. I contacted them with proof of my loan payment and the XXXX they took. and asked for my money to be returned. as of XXXXXX/XX/year> i still do not have the money back and i am told they are working on it and refuse to let me speak to a supervisor. they just end the chat and say they will email you. this is a really bad customer serveries. 

please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions Equifax did not do a thorough investigation and refused to and disregard my disputes and demands to take Certified Services and XXXX, Comenitycapital/wynd, XXXX Vacation Own inquiries off my credit report. They are in violation of FCRA ... You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information.You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.