23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I initially applied for the discover card when I was doing well and finally decided to take advantage of the high credit limit {$9000.00} with XXXX interest for XXXX months even though at the time I didnt necessarily need it for anything this was roughly XXXX after a few months I left my secure job for a primarily commission paid job and after XXXX weeks I was so stressed from not making money to pay my bills I quit under duress after going to the ER with XXXX XXXX thinking I was having a XXXX XXXX. That being said I could not collect unemployment and had to pay my own health insurance and other payments which were very high and even had to take cash advances to pay my rent etc. I tried paying for quite a while at least the minimum payment until the XXXX interest ran out then the payments were in excess of {$200.00} and every time I missed XXXX it got higher way out of control to where it is now {$1100.00} minimum payment due I called XXXX or 3 times begging them to work with me within my means and there was absolutely XXXX options so I stopped trying months ago and told them they need to dissolve the debt as I will no longer pay them any money due to them not making it possible for me to catch up. At this point I cant even log in to my account and have no idea what it even looks like anymore meanwhile I have them blowing up my phone every day starting at XXXX XXXX then every hour or XXXX all day every day and I can no longer deal with the stress and do not feel I should have to change my phone number to make it stop. I currently work as a gig worker and am also months behind on car payment rent and even phone I make barely XXXX a year my car is {$420.00} a month my rent is {$1200.00} and insurance phone etc about another {$500.00} a month. I wish to dissolve this contract and debt and have it not affect my credit for the next 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX In 2015 I had financial hardship and the loan went into default. Now I am trying to pay off debt and correct errors on my credit. Every month XXXX is reporting a late payment instead of reporting the account as a collection/charge off. They are violating the law and causing me intentional harm. According to the law this should have charged after 120 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Bankruptcies
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ) .The disputed information are reporting to my credit file held with 3 credit bureaus. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Consumer Loan

I paid off my vehicle loan thru GM Financial on XXXX XXXX, XXXX. I still have not received the lien release, so I called today and got the run around. They show a letter was mailed out on XXXX XXXX, XXXX. However I never received the letter. They refuse to send out another lien release, instead they are blaming the snow ( seriously, XXXX times they blamed the snow, which came AFTER the letter was mailed. Snow has magic powers on the XXXX apparently ). I had to demand repeatedly to speak to a supervisor, and she directs me to a website GM runs that I can request the letter for a {$23.00} fee. That lien release is required in their contract with me, and yet they are first giving me the run around and then when I do n't just hang up and go away, they instead try to shake me down for more money. They spent the life of the lease shaking me down for additional fees for everything from making payments to getting copies of the title faxed to attorneys to getting to talk to a live person about my account balance not being correct. Now they will not provide me with that lien release unless I pay an additional {$23.00}. I have no other recourse as I have to have that letter in order to get my copy of the title. I want my lien released, I want my proof of that lien release, and I am not paying GM Financial another cent for them to do what they are required by law to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! XXXX is XXXX XXXX and I am submitting a CFPB complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This is my 3rd and final notice that my right to privacy, along with the obligation of consumer reporting agencies, including XXXX, XXXX, and XXXX, to maintain strict standards for accuracy and privacy have been violated. I do not have contracts, nor did I ever give my written permission to furnish any of these accounts on my consumer report. This is fraud and I have submitted AN IDENTITY THEFT REPORT.
Product: Checking or savings account

I have been trying since XX/XX/XXXX to set it up so that I could transfer funds from Truist to another bank account external to Truist. I am in an endless loop between entering the information, getting trial deposits, then completely unable to enter the amounts of the trial deposits so that I could finalize the process. I waited an hour to speak to a human on their toll-free line then that human promised to transfer me to someone who could be more helpful, and the call was cut off. The online chat function is mostly automated, but where a human is potentially available, the wait time is estimated at 30 minutes. Truist ( formerly SunTrust ) seems completely off the rails with no possibility of recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a dispute with Experian about an account that 's reporting only with them and not with the other bureaus. I advised them that they causing me sever damages by not correcting it and that I will file a complaint with the CFPB they than assigned a representative from their consumer affairs department and since then I am not getting proper help over the phone like anybody else, the agent assigned is almost always not available, afte r 5  he is officially not available. When someone else from the same department answered, they put me on extensive long holds and suddenly transfer me into that same representative assigned to me while he is not available.
Product: Mortgage

My second mortgage, originally a home equity line of credit with a " balloon '' payment at the end matured in XXXX of this year. The amount is XXXX. I am unable to come up with that amount. I have tried no less that 5 times to successfully submit the application to modify this loan with SPS, aka Select Portfolio Servicing. Each time, some mistake or flaw is found which completely " voids '' the entire submission-it is not amenable to correction or amendment. Please note : this is essentially the same paperwork, with the stipulated corrections, that is filed, only for some clerk to " discover missing '' or " erroneous '' information. on XXXX application, I checked the " wrong '' tiny box. This process is time-consuming and extremely frustrating and so out of desperation, I made them a cash offer of XXXX. At this juncture, they " need '' information about my " social security benefits ''. I have repeatedly told them I DO NOT receive any form of social security, to no avail. Meanwhile, I continue to receive harassing letters threatening me with imminent foreclosure if I do not " act quickly ''. Their " customer service '' dept. is of no help whatsoever ; the " mortgage concierges '' are hostile, abrupt and condescending. In addition, they reported two of my payments to them as " late '' to credit bureaus. My payments have always been early or on time and I see from other customers that this is their standard practice to harass and wear people down in order to force them into foreclosure. My goal is to avoid foreclosure, get rid of this now XXXX year old loan in a fair fashion and move on. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is report two accounts which is the same account. They are reporting a ghost account which has destroyed my credit score. I have contacted Experian, with no results.
Product: Debt collection

Someone hacked into my Best Buy account and changed my password address and phone number Best Buy notified me by email. A {$900.00} drone was purchased and send to their address. Best Buy did a investigation and send me the tracking address where the item was delivered to XXXX XXXX XXXX XXXX XXXX Tx. XXXX. My address XXXX XXXX XXXX XXXX Ga. I don't know anybody in Texas. I have the documents uploaded. After the investigation, they said that they delivered the item to me. and I was responsible for paying for an item I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. I am begging for help at this point
Product: Credit card

I have applied for Amazon.com credit card around XXXX or XXXX 2015. Despite the fact I have credit score of XXXX plus Chase denied my request. As the attached letter indicates. Chase only states that I had " previous unsatisfactory relationship with us or one of our affiliates. '' It does not indicate what did I do that was unsatisfactory to Chase or its affiliates. This is against the law I should know why my credit is denied. Chase policy is exclusionary and discriminatory. I am an American Citizen of XXXX for twenty years and a XXXX person. This exclusionary policy by Chase has caused tremendous hardship for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ) has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. Also, please do not add any fraud alerts on my file.
Product: Student loan

Dates of contact : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Methods of contact : letters and phone calls. 

I made payments to two loan servicers : AES and Fedloan. I made 37 payments to AES from XXXX. During those years, I contacted AES numerous times about PSLF and income-based repayment. AES repeatedly told me that I did not qualify for either or that my loans were not the correct loans for PSLF. AES also told me that I had no other options. There was no information on their website about PSLF at that time. I was just starting my teaching career and was substituting and working as a paraprofessional. I paid what I could and had to defer my loans during months when I could not meet the payments ( which was often ). 

In XXXX, a coworker told me about Fedloan, and I moved my loans to Fedloan and started my payments all over again. In XXXX, my loan payments were based on my income. My loan payments were zero dollars for a time and then increased with my salary. This was unlike my AES payments which had been substantially more money. During this time, I repeatedly tried to get my AES payments credited toward my PSLF forgiveness without success. In XX/XX/XXXX, contacted Fedloan about the possibility of Temporary Forgiveness to get credit for my AES payments. They reviewed my file for nine months. During this time, I contacted them for updates. I was told, that they were still reviewing my file or I was not going to get my payments credited. In XX/XX/XXXX, I was denied. 

In addition, Fedloan keeps changing the date of my forgiveness eligibility. Their XX/XX/XXXX correspondence shows my estimated eligibility as XX/XX/XXXX, yet their XX/XX/XXXX correspondence shows my estimated eligibility as XXXXa full year later. How can this be happening? When I call Fedloan, I am transferred around and put on hold, but no one will help me resolve this. My loan payments are due to resume in XX/XX/XXXX. 

My loans should be forgiven in accordance with the legislation. I have fulfilled the requirements for PSLF. In addition, I wonder if I even should have had to pay all of that money to AES if they not withheld the information about other options that were indeed available at that time. I have been lied to and strung around for years as I have tried in good faith to get this matter resolved.
Product: Mortgage

Paid off a {$410000.00} mortgage with {$410000.00}. This discrepancy arose due to the length of time it took to close the mortgage. 2 months later, the old servicer ( Specialized Loan Servicing ) is claiming they do not owe the difference and my account balance shows {$0.00} rather than being negative. 

In addition, this servicer ( Specialized Loan Servicing ) has repeatedly failed to issue a {$630.00} escrow refund check from 2019. 

I do not feel that SLSs escrow statements or mortgage statements after refinancing are in compliance. There is no clear breakdown anywhere of where the aforementioned funds have gone.
Product: Credit reporting or other personal consumer reports

I have a charge off for XXXX XXXX XXXX XXXXXX/XX/year> this debt does not belong to me and I have been getting emails about this and would like to get this removed so they can stop calling I am really trying to get my credit on a good term and doing everything to keep up good credit
Product: Credit reporting or other personal consumer reports

I reviewed my Equifax credit report and found inquiries that are not mine. Please see attached proof for the found inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX CARD XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I C Systems have been reporting an erroneous Collection account under my XXXX credit file for sometime. 

I sent them 2 letters via U.S. Mail and both letters have gone unanswered. I mailed the letter to them to their offices in XXXX XXXX, Minnesota as per their website. ( ICSystem.com ). 

They are willfully in violation of the Fair Debt Collection Practices Act ( FDCPA ) and also the Texas Fair Debt Collection Practices Act ( State XXXX XXXX ). 

They have failed to provide verification of this alleged debt. The FDCPA states " If a consumer sends a written dispute or request for verification within 30 days of receiving the 1692g notice, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether. Such asserted disputes must also be reported by the creditor to any credit bureau that reports the debt. Verification should include at a minimum the amount owed and the name and address of the original creditor ''. They have failed and I have given them now over 60 days. 


As of today, I have formally sent a complaint to the Federal Trade Commission, the Texas Attorney General 's Office and also have made contact with a Law Firm to see what my options are. 

I will be suing for willful violation of all Acts and also sue for financial harm since I have been turned down for credit after applying for credit and having this frivolous trade-in on my credit report. 

They have until the close of business of XX/XX/2018 or I will file a personal lawsuit against IC Systems or have my outside counsel file a lawsuit. 

Thanks, XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX
Product: Debt collection

Southwest credit XXXX XXXX XXXX Ste XXXX XXXX, TX XXXX XXXX credit calls multiple times back to back from multiple different numbers, disguising as random numbers to my cell phone AND work phone. I can not get anything done based on the multiple calls back to back. This has happened for the last three weeks straight every day. I have asked him to stop calling me. This is causing me stress and harm and risking losing my job because of the multiple back to back calls.