23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I call to make arrangements to pay my car note. The representative set up my payment arrangement. I was never made aware, that this arrangement would result in a negative credit rating. I monitor all 3 of my credit reports, and my score was reduced XXXX points. 
I called to discuss the matter and was informed I had paid 30 days late. I was also told by the representative, there was no need to dispute this, because it will lower my score even more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Negative Accounts : XXXX  XXXX Account Number.n/a Account Opened : XX/XX/2022 Balance {$2400.00}
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 card or prepaid card

Phone representative gave me misleading/wrong information about when I could pay my bill once my promotional rate expired in XXXX. I was advised that it would have until my next due date XX/XX/19 to pay off my balance before accruing interest since the promotion expired after my XXXX 's due date. I see my bill today when I was getting ready to pay my balance off, interest charges. I called 5 times today for almost two hours  on the phone with them and no one wanted to waive those interest charges due to wrong information provided by them. I just paid off my promotional rate balance today. They also processed a debit card payment today XX/XX/19 without my consent. Another poor business practices. They have no notes on my account so I the consumer pay the consequences. All I wanted is my interest charges waived since I paid off my balance but no one helped me. I closed my card today poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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

This information has been incorrect since XXXX please remove the following credit and collections regional paramedic services amount of {$870.00}. I have filed several reports to have this removed from my account. This is A result of identity Theft and it is still on my account I have filed a complaint with the FTC about this matter 3  times now and I am extremely upset that is still reflecting on my account. Another account XXXX  XXXX  for the amount of {$1200.00} has been reporting his XXXX and needs to be removed immediately and result of fraudulent activity and also identity theft
Product: Mortgage

My husband is XXXX. He has XXXX and XXXX. We were granted a mortgage in XXXX with XXXX XXXX Loans. When we went for closing we were told that we would be able to keep our mineral rights and were made to sign them over to them. They then sold our account to CountryWide Home Loans. CountryWide was bought by Bank Of Ameria. 
XXXX of XXXX Bank of Ameria told us our hoas was in Forclosure Status and asked us if we wanted to keep our home. We told them we did and they advised us to fill out a lot of forms from the internet and fax them. Meanwhile the Bank of America representative that was assigned to our case, accepted a different position within their company and we were assigned a new representative. This representative said she never received any of the files that I had faxed and would I re-fax. I then received a call a few weeks later saying they never got the forms. I re-faxed and called to see if they received the forms and was informed that my representative had changed and leave a message for a call back. I left a m essage and the representative returned my call and said that the forms were received but I missed a couple of items on the form. She mailed me the forms to fill out and she highlighted the areas she said that were not filled in. I fixed the error and re-faxed them to her. A week later I received a call form another representative saying that it was too late for my case because I now owed too much on the loan for a modification. A couple of weeks later I received a call from another representative asking if I wanted to keep my house? I said yes. They started the process over from the beginning. They assigned us a new representative who calls and says we can appeal. We go ahead with the appeal process only to be told we were denied because of incomplete paper work. We then receive another phone call a few weeks later asking if we wanted an appeal? We said yes only to be told again that we were denied. This process continued until XXXX of XXXX. XXXX we were contacted again and told to fill out more paper work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few issues to address : 1. ) XXXX  has dropped my credit score a number of times without any explanation. I understand hard inquiries impact your score negatively and a number of other things are determining factors as to what your score will be. But when there is a drop with no explanation or indication as to why it dropped, that is unacceptable. Equifax and XXXX ; I always know why my score dropped. XXXX is the only bureau that has no explanation. WHY? 

2. ) Why is it that, if you pay off your home loan or any other large purchase, the consumer is penalized? Our scores should either stay the same or increase for the hard work of paying off a huge debt. Instead ; all 3 bureaus take at least 20 to 30 points off of your credit score. How is that fair to consumers that work hard to keep their excellent credit rating? 

3. ) When a credit card closes ; why is that a reason to drop our score? I know the excuse is " because you no longer have that credit history. '' Why can't it be ; if you paid those cards off, your score doesn't change and that history still counts after the account is closed. 

There are so many unfair things that make it extremely hard for consumers to succeed. We know creditors base majority of their decisions on the score as opposed to the history ( i.e. interest rates ). And yet the bureaus hit us in every direction. 

All we want is to be treated fairly. If the above 3 things are changed, that would make a world of difference to consumers who work diligently to keep excellent credit. 

Please don't response back by telling me the rules. I know what the rules are and rules can and should be changed for the better. Just because they are the rules, doesn't make them RIGHT or FAIR. The system is geared toward the creditor in every way. The consumer gets punished if we are not paying our bills, which is understandable, and we get punished if we pay our bills on time or pay them in full. 

If whomever is responding to this doesn't have a solution, please let me know who does.
Product: Debt collection

Received a call from agency telling me I owe a debt. I do not owe TCF Bank any money. They advised me that they would serve me with papers at my place of work. They had the wrong social to begin with then they came up with the right one. I told them to send the documentation to me current address to which they did n't have and told me they served papers at an old address. I have been living at my current address for 6+ years. I do not owe any debt
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent  XXXX  certified letters to each reporting credit bureau agency Equifax,  XXXX , and  XXXX  on  XXXX  separate occasions to dispute an inaccurate  Public Record  being reported on my credit report. I have been totally unsuccessful in having this inaccurate  Public Record  information removed from my reports. Every written/certified request to have the item removed comes back with the explanation the item has been verified and/or verified as accurate. If this is the case, why not supply me with the proof as requested in my letters? Because they can not. I feel my RIGHTS as a consumer have been Violated. This inaccurate  Public Record  is making it difficult for me to obtain the proper credit, decent interest rates, approval for housing, etc ... As a consumer, I have the right to have my credit report accurate information without error. I am asking for your assistance to have this  Public Record  removed from all  XXXX  of the credit bureau reporting agencies.
Product: Student loan

The 2 student loans were through sallie Mae then transferred to Navient, who has added obscene charges and refused to work with me while I was on XXXX XXXX in the XXXX from which I was XXXX  XXXX and put on XXXX. Navient has and continues to report false information to credit bureaus. Stopping me from useing VA loan to buy a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO FIX THE FRAUDULENT PERSONAL INFO ON MY CREDIT REPORT BUT EXPERIAN WONT ANSWER.
Product: Money transfer, virtual currency, or money service

This is another complaint with COMPLAINT ID XXXX On XX/XX/year> I again called Cash App to work on closing the account, I had to call 5 times. I was hung up on 4 of the 5 times before someone could assist me. I was sent an email with a " secure link '' to upload a picture of the card I received along with providing this information : " 1. Your Full Legal Name ( first and last ) 2.The name listed on the Cash App XXXX you received 3.Has anyone previously lived at this address? '' This email was from XXXX. Cash App Support ref :! XXXX.! XXXX : ref I followed the instructions and never received a follow up response on if the account is closed. 

On XX/XX/year> I received another email this time from XXXX.Cash App Complaint Operations Team ref :! XXXX.! XXXX : ref. This time reaching out in response to my complaint with Better Business Bureau asking for once again : " In order to disable the card, we need the following : 1. Your Full Legal Name ( first and last ) 2. The name listed on the Cash App XXXX you received XXXX. Has anyone previously lived at this address? 
4. Please use this link to securely share the front and back images of the card : '' I already did this on XX/XX/year>, I didn't get a response but now I'm being asked to do it as if I haven't already done so. 

This email also addresses my request to have my name, ssn, and address blocked from being used by someone creating another fraudulent account in the future since this is the second time in 30 days this has happened and the information they are asking for is in my opinion unacceptable. 

" 1. Front and back photos of one of the following forms of U.S.-issued ID : - Drivers license - State ID - Passport Card ( US Only ) - Passport ( US Only ) 2. A selfie of you holding your ID 3. Confirm the last 4 of your SSN ( last 4 ONLY, do not provide full SSN to best protect your information ) '' I have already been a victim of identity theft and this information that they are asking for can further expose even more of my sensitive and private information. My ssn is locked, my credit is frozen and I have already had this happen with Cash App and closed the 1st fraudulent account. Cash App has all the information they need to block future attempts. It is not reasonable for me to have to repeatably prove who I am when they require less evidence to open an account. I have never and will never open a Cash App account or use Cash App services.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding the data breach that Equifax experienced, which has had widespread implications for consumers, including myself. This incident not only represents a significant failure in safeguarding sensitive personal information but also exposes the company to legal ramifications under various consumer protection laws. 
As you are aware, the breach disclosed personal data of millions of consumers, violating the trust placed in Equifax for protecting that information. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable statutes to formally request the following actions :
Product: Checking or savings account

Last month, I found my card information has been stolen, so I contract my bank ( Wells Fargo ) for help, they replaced the card for me and did the investigation. However, after they processing the inquiry, they only gave me parts of the money back, and determined the charges of {$7700.00} on my account was authorized or the processing error did not occur, and closed my case. I searched these companies which I transfer money through, they are all Online Money Transfer, here I attached the file for transaction records, including the financial platform, dates, amounts of transaction amaounts. 
For your convenience, I listed these XXXX companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you so much for your help. Please feel free to contract me through email : XXXX or phone : XXXX. 
Thank you so much for your help.
Product: Credit reporting or other personal consumer reports

I have discovered that XXXX XXXX XXXX XXXX XXXX. That XXXX departments are reporting to the credit bureaus. XXXX in particular is Equifax and I submit proof of the alerts. 
I found that the dispute department at XXXX XXXX XXXX XXXX. They were reporting past due delinquencies on a paid off and closed Auto loan. 
Therefore creating XXXX to XXXX  days past due delinquencies. Some how I disputed this with the loan service department. They modified and updated the error in findings. See Attached Document. 

This account is reporting to XXXX as XXXX  days past due. This account also has different last update on XX/XX/2023. Equifax is also reporting not more than XXXX past due payments. Having a different last update of XX/XX/2023. Equifax was still receiving information on a paid off and closed account for XXXX consecutive months. 
Hence the delinquency being my complaint. XXXX reports paid account satisfactorily with know delinquency indicated. 

I have attached the proof of one account reporting twice. At the same XXXX time with conflicting damaging status payment information. Along with that I have attached a confirmation updated information. That was mailed from Equifax informing me of XXXX XXXX XXXX XXXX XXXX results from the dispute. I took the liberty of attaching the account payment History. That clearly shows the closes account was still being reported. After XXXX department closed it out and the other continued to run over into delinquencies of past due late payments. 

Lastly, I file a dispute with the dispute department that's reporting the past due delinquencies after the account was closed in another department within their own company. I ask that this finally resolve this problem I've been disputing for XXXX months. Please fix this problem so that I put this ordeal behind me at last. 

Respectfully XXXX XXXX XXXX
Product: Vehicle loan or lease

Did a voluntary repossession on the XXXX XXXX XXXX in XXXX of XXXX to Credit Acceptance. Vehicle was purchased on XXXX & XXXX from XXXX but upon return to the states it had mechanical issues. The purchased vehicle 's warranty was not honored for repairs. The vehicle was voluntary repossessed and told the company it could be picked up from XXXX of XXXX, AL. I don't if storing the vehicle from XXXX XXXX XXXX  because I wasn't in the states. I have not seen the vehicle since XXXX of XXXX. I told Credit Acceptance, i could not afford the loan and repairs as a XXXX  veteran.
Product: Checking or savings account

On XX/XX/2023. I cancelled my subscription to XXXX which was in the amount of XXXX  On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have been charged XXXX and I should not have been charged. I have sent Chase Bank proof of the cancellation and they told me I have to resolve this with the merchant and the merchant is refusing to contact me. It's not fair that I have to pay for fraudulent charges.
Product: Mortgage

Over a year ago, I got hurt at work. I had to have surgery and was out of work for 5-6 weeks. That 's when I fell behind on payments. XXXX XXXX was my mortgage company. It took me 4-5 months for them to finally agree to a payment plan. I was making payments to XXXX XXXX, then they sold my loan to Pennymac, unknowingly to me. I continued to pay XXXX XXXX. After a couple months a rep. for XXXX XXXX informed me of the sale of my loan, and provided me the contact number for Pennymac. I contacted Pennymac, but they had no information on my repayment plan. As of now I am showing delinquent for 6-7 months. Pennymac tried to get me to agree to a repayment plan of {$2000.00} a month. I can not afford that. As of now, I have sent into Pennymac XXXX loan modification packets. The first packet I faxed in 3 times, then I mailed it into Pennymac. They never received it. Which was around XXXX. The second packet I faxed in as well, Pennymac said they received it. It was sent on XX/XX/2015. Every time I called to check the status of it, I was told it is still in for review. 
I received another packet, to fill out, from Pennymac on XX/XX/2015. I called Pennymac asking why I received another packet when I had XXXX in for review. I was told that my packet was missing forms, and it had outdated dates. I was never informed about missing documents or outdated signatures. 
I have now submitted another packet on XX/XX/2015. I have received another phone call from Pennymac, that I 'm missing documents. 
I am currently waiting on Pennymac to send me an email, stating what documents are missing. 
I feel that I am being discriminated against for being delinquent. I feel that Pennymac wants me and my family out of our house. Even though I have sent everything they have asked for multiple times. 
Any and all help would be greatly appreciated. Thank you
Product: Student loan

Riverwalk Debt Solutions told me that they would be able to consolidate my federal loans and my payments would be based on my income. I just got off the phone with XXXX based in XXXX, and they informed me that they would not work with Riverwalk and that they were still going to collect payments from me for my federal loans, even after a representative from Riverwalk told me that I would have payments based on income and that they would ensure that I would be forgiven for the rest of my federal loans after 10 years. They also collected approximately {$600.00} to do this service. Now they are not returning my emails after they emailed me and they will not refund my money because I initialed the initial documents after being misled and given false information. Please contact me. 

I recently participated in an 8 month XXXX program for an XXXX XXXX and related issues and XXXX in XXXX 2016. I have a job lined up for the fall but I wo n't get paid for that until XXXX. I am depending on family and friends for financial support so this is a serious and urgent matter. I believe Riverwalk was very deceptive and that they misinformed me.
Product: Mortgage

I was dealing with XXXX XXXX with Fairway Independent. He said they can not approve me because I was off work during the pandemic. 
How can I be penalized for something I had no control over?
Product: Debt collection

I asked this company for information that I was entitled to by law and they were very rude and said that they could not release that information and was very rude during our recording phone call. I also asked for proof of ownership and this company could not produce any so this needs to be off my credit report because this fraudulent information is causing me harm to my consumer report. We have the phone call recorded that we have obtained a lawyer and intend to sue this company as well. The unprofessional manner and the unfair tactic they are using needs to be looked at asap.