23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Bright Lending says that they gave me a loan for {$800.00}. I did not request this and the monthly payment is {$250.00}. After receiving this information I called the company and they told me that the interest per day was {$14.00}. 

THey then told me that the percentage rate is 700 % and, since that loan was originatedd on XX/XX/XXXX, less than 30 days ago, I already owe {$1200.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX says that I owe {$140.00}, this company is a water service company and also goes by XXXX XXXX. XXXX XXXX XXXX XXXX directs you to XXXX XXXX website. I have already paid XXXX XXXX  my debt of {$120.00}, I paid a different debt collection agency XXXX for this debt, I paid XXXX {$140.00} for their collection and processing fees. I also have receipts of these transactions.
Product: Debt collection

This collection agency ( Midland Credit Management ) continues to call me despite me demanding it cease all calls, communication as I am NOT the person whom it seeks! 

Calls were received as follows : XX/XX/20 from XXXX XX/XX/20 from XXXX XX/XX/20 from XXXX XX/XX/20 from XXXX [ point I'd informed it to cease calls, etc. ]
Product: Debt collection

I am XXXX and was forced to retire for a medical condition, I talked to Capitol Ones Collection Attorney, told him the reduced payment that I could afford living on Social Security and a small pension, he said his client, Capitol One would accept a lump sum, I don't have any sum in savings or checking. They continued to sue me in court, I have had documents about a court XXXX hearing 3 times now, then every week or so Capitol One sends me information about my credit score ... I'm old and I can't take the mental anquish. My car has a 4 year note still, my name is on a home owing XXXX dollars that was discharged in a bankruptcy, that my ex husband pays for. We have a verbal agreement I take care of the house, but it's his. I had to file with you, my stomach is in knots, this company is always reminding me about my credit score. I tried to pay a reduced payment that I could afford, they wouldn't accept that. Please help, I have to save for a year to get the XXXX dollars to file a XXXX XXXX, thats the attorneys cost. I get a total of XXXX a month to live onm
Product: Debt collection

I am a Professional, fully employed multiple business owner and employer. I have over 20 fully valid credit cards in good standing. My credit history is outstanding and I pay ALL obligations. American Express has, for reasons unknown to me, in what appears to be a deliberate move, undertaken moves that are causing me harm that I have been unable to resolve with them, in spite of HOURS attempting to do so. I have made an unprescendented effort to both understand and resolve issues with this company, and have been thus far unable to make any progress. I am a XXXX  year customer of American Express and currently hold 3 of their cards including their Platinum level cards, along with "affiliated" cards with Hilton and Delta airlines. These cards are ALL current and paid. Historically, I had a Platinum Corporate card with American Express along with an Optima card, a Delta Card, and a Hilton card. The Platinum card was on a Corporation that underwent a Chapter XXXX bankruptcy, but was current at the time and payments were being made on ALL cards. After the bankruptcy, American Express canceled the Corporate card. Once canceled, it became impossible to make payment on the account in spite of attempts to do so. I contacted American Express and explained that I wanted to clear the account. I was advised that the account had been handed over to a collection agency and that "they" would be contacting me. They would not provide the name of the Company. The Company is XXXX XXXX XXXX in Pennsylvania. I have NEVER been contacted by them. It appears now that XXXX XXXX XXXX   have canceled the PERSONAL accounts with American Express including a new Platinum account that I was charged and paid a $500 membership fee for without notice and without cause. All accounts were in good standing. The bankruptcy attorney has indicated that this is not a legal remedy for them. I want this investigated.
Product: Checking or savings account

I contacted this company in regards to getting a print out of my bank records as I had been using the account since XXXX of 2020. I thought I deleted the account only to find that the account was still active. The representative claimed that although the account remained active since 2020 there were no statements. I advised that this was not possible and that had I not used the account they would have deactivated it. I do not know where my bank records have gone but they have just disappeared from the account for some odd reason.
Product: Credit card or prepaid card

XXXX has refused to replace a lost credit card despite innumerable telephone and online requests. They provide no explanation for their failure to assist me.
Product: Credit reporting or other personal consumer reports

I am writing to address an issue with the reporting of my XXXX XXXX XXXXXXXX credit card account, which was charged off and subsequently sold to a debt collection agency, XXXX XXXX XXXX XXXX XXXX. 

XXXX and XXXX : Charge-Off and Sale : The account was charged off in XX/XX/year>, with a balance of {$4200.00}. Subsequently, this debt was presumably sold to XXXX XXXX XXXX XXXX XXXX, I did not receive any documentation from both XXXX XXXX XXXXXXXX other than a notice in my customer portal and spam emails from XXXX. 
XXXX XXXX XXXX : Despite the sale of this debt, my credit report continues to show the XXXX XXXXXXXX XXXX account as charged off each month for XXXX months without indicating that the debt has been sold. This is reflected in both my XXXX credit report and other credit reports. 

Request for Action : I respectfully request that the following actions be taken to ensure accurate reporting : Update Account Status : XXXX XXXX XXXXXXXX should update the status of my account to indicate that it has been sold to XXXX XXXX XXXX XXXX XXXX. This update should reflect that XXXX XXXX XXXXXXXX is no longer the responsible party for this debt. 
Correct Credit Report Entries : Ensure that all credit bureaus ( XXXX, TransUnion, XXXX ) receive the correct information about the sale of the account. This includes removing the repeated " charged off '' status from each month following the sale. 
Confirmation of Update : Please provide written confirmation once these updates have been made to my credit report. 

Ensuring that my credit report accurately reflects the current status of my account is essential for my financial recovery and creditworthiness. I appreciate your prompt attention to this matter and await your confirmation of the requested updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I pulled my XXXX credit reports and noticed fraud on each report. The debt was fraudulently and erroneously reported on my credit reports. I did not open the accounts and did not authorize anyone to do so on my behalf. This information belongs to someone else, who I have no knowledge. I'm not an existing customer of these organizations. The organizations were contacted via telephone and can not provide any contracts or signed documents with my signatures which can link me to the debt. On XX/XX/2021, I notified each credit bureau of the fraudulent accounts which are unauthorized. The credit reporting agencies have advised me to file this complaint with the Consumer Financial Protection Bureau. 

Please see the fraudulent accounts and amounts below : Account Name Amount XXXX XXXX {$490.00} XXXX XXXX {$690.00} XXXX XXXX XXXXXXXX XXXX {$820.00} XXXX XXXX XXXX {$100.00} XXXX  - XXXX XXXX {$690.00} XXXX XXXX {$0.00} Thank you for your time and support.
Product: Student loan

This inquiry is in response to the Public Service Loan Forgiveness Program. I will have worked full time as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 10 years this XXXX. Several of us have applied for PSLF. We all get different reasons as to why we don't qualify for repayment at this time - more specifically why our previous payments don't count. If we were paying off Direct Loans every month for 5 years prior to consolidating, why doesn't this time count? What is the reason for not counting years of payment? We have made payments on our Direct Loans every month for 5 years and we are not hearing a logical reason why these don't count except that " they don't qualify ''. We're disheartened that this program exists but is so restrictive that it doesn't really live up to the spirit of why the government initiated this program -- what we hear is " If you have made 120 payments towards a Direct Loan or  otherwise qualifying loan and you have worked for federal service for at least 10 years, your loan will be forgiven ''. Why all the fine print that disqualifies most applicants who meet the previous statement? We would like to escalate these issues in order to allow those who have worked for 10 years for Federal Service and made dedicated payments on Direct Loans to receive the intended benefits of this program. It's noted that as of XX/XX/2019, only 864 applicants have ever received the benefits of this program and judging by the amount of applications that flow through our office way more employees have applied and met the 120 payment/ 10 year requirement. What are our options to escalate this? Thanks so much for your time.
Product: Debt collection

I sent a disputed later XX/XX/20 asking for a verification to validate the debt they claim I owe {$240.00} .... They sent me a letter stating I still owe them the debt but there were no evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay convergent outsourcing company.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX 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: Checking or savings account

I have a business check and savings account with Chase bank and both accounts were put into - {$99.00} XXXX plus and stated that they have been put on legal hold. 

It was been pver XXXX weeks now and I have gotten no explantion or reason why the account was put on a legal hold. 

I was told that I needed to call the court order and XXXX department which I have been doing everyday since this has happened. 

I am hoping that I can get some asistance from CFPB on this matter. 

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

I have several issues with not only the information being provided to the credit bureaus by XXXX XXXX, but the accuracy of that info as well.
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To summarize the issues I 'd like to see resolved : 1. There are multiple trade lines XXXX XXXX is reporting to the credit bureaus : one states is was opened on XX/XX/XXXX and the other opened onXX/XX/XXXX. XXXX have the balnce of {$2000.00} ( see attached screenshots ).
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2. XXXX of these closed trade lines are reporting incorrect payment history as well. Showing that I was more than 149 days past due, I have never been 149 days past due in my payments on this account.
Product: Debt collection

I am trying to purchase a home loan and when the lender ran my credit report it showed that I owe {$120.00} to XXXX and it went to collection without my knowledge. I have not received any past notice on this issue. I have called and spoke to numerous customer service reps to get this resolved but I am not getting any where. On XX/XX/2017 at XXXX I spoke to XXXX at XXXX the collection agency and explain to them the problem but they could not give me any details on what the charges were for but only wanted to collect the debt.On XX/XX/2017 at XXXX I spoke to XXXX at XXXX to resolve this and they still could not explain what the charges are for. I also spoke to XXXX from Jefferson Capital LLC another debt collector on XX/XX/2017 at XXXX still no explanation to what the charges are for.I am willing to pay for this amount of {$120.00} if they can provide me more detail onto what this charge is for. I am trying to purchase a home and because of this it 's affecting my credit to qualify for a home. Please help me resolve this problem. Thank you.
Product: Checking or savings account

I had an overdraft on my account due to financial issues. I mobile deposited a check from XXXX for {$1400.00} on XX/XX/2022. This is a certified check. Citizens placed the funds on hold until XX/XX/2022. Due to this, I am going to receive late fees on bills that I must pay. I contacted both customer service and a branch XXXX. In both instances, I was advised to speak with the other, meaning customer service told me to contact a branch, and the branch told me to contact customer service. I offered to contact XXXX and citizens together to verify the check so that funds could be made available sooner, but citizens said that this could not be done. I have had this account for over 5 years and have regular direct deposit is biweekly. 

This is a difficult situation due to the financial issues I have recently had, and I have no resolution after contacting the company repeatedly, and the late fees I will receive are going to further extend the hardship. I also understand that it would not cover the overdraft, but citizens also did not make {$220.00} of the check available per Regulation CC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights XXXX U.S.C Section XXXX A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXXt Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I submitted this information on Yesterday but I wanted to add more information ... I researched other complaints about XXXX XXXX but I did not have the name of the company they are posing under is Integrated Services and the phone number is XXXX
Product: Mortgage

I received a notice from XXXX XXXX XXXX ( XXXX ) stating that our payments were going up and we were short in escrow of the amount {$2000.00}. Our loan was transferred from Wells Fargo Home Mortgage to their company in XX/XX/XXXX. Our payments with Wells Fargo and XXXX are current and up to date. So there should not be a shortage with our escrow account. Our bankruptcy was discharged early last year and we received a noticed that there was an escrow overage and we received a escrow refund check for {$2100.00}. We received a refund because Wells Fargo was supposed to apply the pre-petition payment of {$2600.00} to the escrow account. I called Wells Fargo on XX/XX/XXXX regarding the matter and the escrow representatives and customer service understood and verified that the pre-petition was not applied to the escrow account as stated. Please review all verified bankruptcy documents from my attorney. If the escrow was short as Wells Fargo as stated they would not have discharged the bankruptcy as stated in the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XXXX XXXX XXXX  to update this suspicious account. I think you have not validated this account : XXXX XXXX Balance {$4200.00} This was already included in my prior COMPLAINT, and I'm including it again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  reported a 30 day late payment to the 3 major credit bureaus XXXX XXXX and TransUnion for the month of XXXX of XXXX. Since XXXX of XXXX I was hospitalized due to a terrible car accident which my wallet was lost and stolen. Due to my wallet being stolen my social security number along with all my credit card were compromised and used. There were fraudulent transactions that were done on my discover card from XX/XX/XXXX up until XX/XX/XXXX. I have recently been XXXX a couple weeks now and I have disputed all the fraud transactions. Due the fraud transactions I should not be held responsible for the 30 day late payment and discover should remove it because I did not once get a fraud alert that my discover card was being used without my knowledge. XXXX failed to report fraud transactions to me which resulted in the account to go 30 days past due and report to the bureaus. If this issue is not resolved and the 30 day late payment is not removed from my credit reports I will be filing a law suit against XXXX in the small courts claim where I have all proof to show XXXX is breaking FCRA laws. I have been with XXXX  since XXXX and I have never had an issue such as this. Please resolve this problem in a timely manner. Thank you!
Product: Debt collection

I have made contact with MRS XX/XX/XXXX to inform them I have never taken out a loan with a company. I have also asked for copy of the application and drivers license to the loan application and was informed no information was available and the account was reported Fraud and was removed from all 3 credit bureaus. 

I have spoken with XXXX  on XX/XX/XXXX to get information from the documents to allow this file to be reported and have been informed there is no documents attached to the file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asking XXXX  help because Equifax is not investigating a fraudulent account on my credit because the account is hold by its investor
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 has violated my rights. 15 U.S.C. 1681 section 602 A. States I have a right to privacy. 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 or other personal consumer reports

YOUR COMPANY IS REPORTING INACCURATE AND UNVERIFIED INFORMATION ON MY CONSUMER REPORT. THESE ITEMS ARE A VIOLATION OF THE FCRA BECAUSE THEY ARE INACCURATE AND UNVERIFIED. YOU ARE REQUESTED TO DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY BECAUSE THE INACCURATE INFORMATION IS STILL REPORTING ON MY CONSUMER REPORT. DELETE : ( XXXX  XXXX BANKRUPCY ) ( XXXX  XXXX BANKRUPTCY ) ( XXXX  XXXX BANKRUPTCY ) ( XXXX  XXXX BANKRUPTCY )
Product: Credit card or prepaid card

I applied for Citi Credit card, which was auto rejected. Application ID XXXX. I tried to get reconsideration but representatives kept putting onus on Credit reporting agency XXXX stating I had too many credit inquiries reported in short period. I opened XXXX account to see what it was given I have an 800+ Credit score. According to XXXX I have three total inquiries in past 2 years. One on XX/XX/XXXX and Two on XX/XX/XXXX since I applied for an XXXX XXXX card on same day. I still have NOT received an official letter in mail indicating the exact reason for rejection on paper even though it's been > 30 days. I learned when I had called the customer service right after.
Product: Credit reporting, credit repair services, or other personal consumer reports

My family and I have suffered irreparable damages and financial strain since the credit reporting agency Experian has allowed the creditor, XXXX XXXX XXXX abuse and violate.my credit report along with my rights under the Fair Credit Act. At the beginning of the pandemic the creditor offered payment arrangements for those that were affected economically because of the pandemic. I called in and made an arrangement to change my payment date from the XXXX  to the XXXX of every month making full payments. No late payments were reported to my credit report for over a year and suddenly in the midst of a mortgage approval the company put over five late payments on my credit report. I found the FTC and consumer financial protection bureau Complaint watch the creditor responded that they would remove all late payments and it was an error. The company removed all late payments except to that has drastically impacted my credit report. I filed many disputes in which resolve the issue the last dispute that was filed, except once consumer finance close the complaint and marked it as a result of the company a week later put back on to late payments. Ive been in an extended stay hotel for over six months trying to resolve this and my next step is an attorney. This loan was my ex husbands responsibility in our divorce settlement since 2020 but theres no way to remove it from my credit report because he financed it in my name. I have a copy of my divorce complaint and settlement if needed.