23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have talked to the company on multiple occasions and at a point in XXXX or XXXX they had removed it off my credit I have the credit reports proving so but then It is back on and I never have had a credit card. This is stolen Identity I have made a complaint Last XX/XX/XXXX and they still haven't shown proof that I had this card they said it was an online thing and they bought this debt from someone else I never had this and I want it removed. They have been messing with me being able to purchase a better vehicle and a home I've told the credit companies its fraud and I wanted proof and as I said it was removed yet its on here again please help
Product: Student loan

I obtained student loans for medical school from XXXX with Navient ( then Sallie Mae ). My loans were in forbearance/deferment during residency secondary to financial need. I was unaware of income based repayment options during that time. 
In XXXX, I entered into repayment under an income based repayment plan with the goal of using PSLF ( public student loan forgiveness ) since I employed in a federally funded university. I had spoken to Navient many times about confirmation that my loans would qualify, which each time I was reassured that I was on the right track. 
Yearly I continued to keep up with the yearly recertification of the income based repayment plan from XX/XX/XXXX to XX/XX/XXXX ( a total of 60 months of income based payments to Navient ). Each year I discussed the desire for PSLF to make sure I was on track and each year I was reassured that I was doing what needed to be done to qualify after the 120 payments. 
In XXXX of XXXX, I found out that my loans through Navient did not qualify under the PSLF program. In order to qualify I would need to consolidate my federal student loans ( {$340000.00} ) through the Department of Education ( XXXX XXXX XXXX ) and restart my 120 qualifying payments. I tried in multiple time to see if any of the previous years of payments could qualify and each time I was told no. I contacted Navient about the situation and they confirmed that I did not qualify with they types of loans that I had for PSLF, despite their reassurance over the previous years. 
Currently I have my federal loans consolidated with XXXX XXXX XXXX and I am making payments monthly to reach the 120 payments under a incomed based repayment plan. 
Had I been given good information from my lender about my loans not qualifying for PSLF, I could have easily consolidated my loans in XXXX.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/2019CBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious CBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported:XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX  Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX   District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit file and i saw a account that was mines the date of the account was XX/XX/2022 the collection Agency was XXXX XXXX XXXX. THE AMOUNT WAS {$710.00} I have no recognition of this account or knowledge of this account. I'm a victim of fraud. In information is report wrong information on my credit file. I being violated of my rights under the fair credit ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first found in XX/XX/XXXX that my SSN was compromised, and have been diligently watching my credit history ever since. On XX/XX/XXXX, when I tried to check my credit report at XXXX, XXXX XXXX report was pulled after I provided my SSN and other identity information. From the report, I found that XXXX XXXX ( a.k.a XXXX XXXX or XXXX XXXX XXXX ) in California opened 18 accounts with 11 different financial institutions using my SSN in the past 11 years. I did not open or authorize these accounts, and have requested all relevant institutions to close those accounts immediately. 

I sent a letter of explanation to XXXX on XX/XX/XXXX, requesting it to separate the ID thief 's information from my SSN. I never received any response from them other than my own credit report.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states have the right to privacy.

15 U.S.C 1681 section 604 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 advised item of information, other than records of conviction 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: Checking or savings account

XX/XX/2019, I called wells fargo to report an unauthorized XXXX transaction in the amount of {$400.00}. The rep stated they would file a claim and that I would have an update within 10 business days. Rep also stated that a fraud investigator would contact me that week. At the end of the week I called WF and was told the initial claim was setup incorrectly and that they would need to create a new claim, rep told me I could call back in a few days for status. On XX/XX/2019, I called again and was told the claim has been misfiled again! Was told a new claim would be setup and rep advised me to put in writing that I did not initial fraudulent charge. On XX/XX/19, I called for an update and was told that a new claim was started on XX/XX/19. I did not initiate a new claim or speak to anyone at WF on XX/XX/19. After being on the phone for 45 minutes, I was transferred to the executive office where another rep told me a claim would be set up AGAIN. She placed me on hold and the call disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I divorced my husband into XX/XX/XXXX. In the divorce, he was given the responsibility of closing the Citibank checking account and overdraft protection {$500.00} line of credit account. My former husband stated he had closed the account into XX/XX/XXXX. In XX/XX/XXXX, I applied for a mortgage and found at the Citibank line of credit was maxed out and went into collections. I immediately called Citibank, NA. Citibank confirmed they had never contacted me to inform me of the debt, only my former husband at his residence. ( I later found out he filed bankruptcy and included the Citibank debt. ) XX/XX/XXXX, I paid a negotiated sum of {$200.00} to cancel the debt. Since XX/XX/XXXX, my credit report shows a {$0.00}, paid in full but is being reported monthly as late. The late reporting on {$0.00} balance is affecting my credit, my credit score, ability to borrow money, costing me higher interest rates and time off work to dispute this incorrect information. I have contacted Citibank by phone and email on numerous occasions without success ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I phoned and emailed Citibank XXXX which was listed on my credit report, again without success. Please help me remove and stop the late payments on the Citibank account with a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

I sent a letter to TransUnion on XX/XX/2024, regarding a collection account that is on my credit report. I sent a letter to the Collection company and it was returned for insufficient address. On the letter I sent to TransUnion I informed them of this as well as informed them, the responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : The FCRA prohibits furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. I requested they remove this account due to the FCRA violation. 

They responded with INVESTIGATION RESULTS : VERIFIED AS ACCURATE ''. Which means they obviously did not do an investigation because I still have not been provided with an accurate address, This is over 90 days ago and this account needs to be removed off my credit report.
Product: Credit reporting or other personal consumer reports

I applied for XXXX for dental services. The original approval amount was {$2500.00} which was reported to my credit for 6 months with no late payments at the time my credit score was XXXX. I utilized {$420.00} of the XXXX. In XXXX of XXXX, XXXX XXXX reran my credit and decreased my available credit to {$310.00} which caused the card to report to the credit bureau 90 % usage, which is not accurate causing my credit score to drop from XXXX to XXXX. I received a letter from the company advising delinquent accounts and not enough revolving credit were the reasons for the decrease in the approved credit amount, When I spoke with the representative I asked her dod they approved me with he current scores she advised yes, and couldn't explain why the decrease was necessary, This has caused my score to drop without reason and I have not been late on any of my revolving credit. I also inquired about the payments I have made totaling XXXX and the representative couldn't explain where the payments were being they were on the original credit limit of {$2500.00}
Product: Bank account or service

My bank currently has issued me XXXX Overdraft Charges. XXXX of the charges are on Deposits!!!! XXXX of the charges are on amounts that kept my account negative under {$3.00} a total balance of $ XXXX I called and verified this would not be affected because it was under {$3.00} and advised I would be bringing a cash deposit, also told by the employee the cash could be deposited in the ATM and I would still avoid the fee except for the XXXX purchase that put me into overdraft-I have XXXX purchase and XXXX deposits. I should have only XXXX overdraft fee, I should not have XXXX fees. This is very disheartening!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN ... .XXXX ... AND XXXX are failing to report revolving accounts that belong to me ... ..they actually removed them and my score fell significantly ... I am attaching proof that all these cards belong to me and should be being reported to all 3 bureaus! 

XXXX XXXX XXXX LIMIT IS {$5000.00} XXXX XXXX XXXX LIMIT IS {$3000.00} XXXX XXXX XXXX  LIMIT IS {$4000.00} XXXX XXXX XXXX XXXX IS {$12000.00} these cards really benefit my overall usage and my credit worthiness and by the credit bureaus removing the cards ... ..my credit score dropped significantly ... .please add these cards back to my credit file immediately!!
Product: Payday loan, title loan, or personal loan

Approximately 4-5 years ago I took out a loan with Wells Fargo to pay off my credit card debt. From the first payment up until XXXX, XXXX I never missed a payment or paid less than the minimum required of me. In the middle of XXXX, XXXX I became unemployed. I saved enough money to make a couple months payments whilst looking for a new job. The job search was not as fortunate to me as I had hoped or planned for. Given my current situation I contacted Wells Fargos loan department on XXXX XXXX, XXXX to discuss setting up any kind of payment option. This was 19 days prior to my next bill due date 3 business weeks in advance. Despite my literally perfect payment history over the span of many years Wells Fargo was not able to offer any assistance. I was told, ... you must resolve any economic hardship before Wells Fargo can help you. The lady I spoke with asked if I had applied for unemployment, which I honestly did not believe I could get. However, given the fact that Wells Fargo has no policy in place to help those with my situation I figured I would at least attempt to acquire unemployment. I was denied. So again, according to Wells Fargo I am still in a place of economic hardship which needs to be resolved before they can offer any assistance with my loan while I need it. I went into my local Wells Fargo to see if I could speak to a personal banker. I was told, however, they would simply contact the same loan department I had already spoken with and was advised to contact them again myself. 

For the first time in years I have missed payments during XXXX and XXXX. After missing my first payment I was contacted by their collections department in early XXXX, and the gentleman I spoke with again reiterated that there was no assistance for customers who become unemployed. He did refer me to someone else within the collections department and all they could do was ask when I would be able to make my payments. Since then, Wells Fargo has called me multiple times per week repeating the same question of when I can make my now increasing payment. At this point I am still unemployed and can only offer the same response : I can not make my full payment right now and need them to work with me in any way. 

Any attempt thus far to acquire specific information regarding this loan has been unsuccessful. In my pursuit of specific information to provide the CFPB I called Wells Fargos loan department. I was transferred to the collections department and told that I could not be provided my payment history or any information on my own loan because my loan was not current. Complaining to the CFPB set aside, it would be assuring to me to at least have access to my own financial information which I am currently being denied. 

I understand my financial responsibility regarding payment of this loan as I always have. Although, I find it highly unethical and immoral that Wells Fargo has no policies or options in place for those with economic hardship ; especially those with excellent payment history asking for help before the account becomes delinquent.
Product: Debt collection

I owe money to XXXX XXXX XXXX for a procedure and have been making payments on time. No minimum payment was ever discussed. I also believe they are billing me too much for the services rendered. My attempts to obtain an itemized list of charges by phone has been unsuccessful. I was told my insurance company refused to cover the medical expenses, however when I call XXXX they tell me the bill was never submitted. My bill has increased in cost despite me making payments with no delinquent payment. I have all receipts as proof of payments. I have received only XXXX phone call from XXXX XXXX asking me to set up an automatic monthly payment. I declined for many reasons. Despite me making payments and talking to XXXX XXXX, my account has been turned over to a third party collection agency. I have sent a certified letter to the collection agency disputing their ability to collect the debt and asking for proof that this is legal according to the original debt agreement. I am no longer able to pay XXXX XXXX directly.
Product: Credit card or prepaid card

On XX/XX/2022, I received a call from apple credit card ( the caller Id was their number ). They told me I had a purchase done in XXXX. I told them it was not me. They sent me a log in but it was to steal my Apple XXXX  and card. But it was a scam. They made a XXXX purchase in a Apple Store in New York. After I hanged up the call I call back that is when I notice it was a fraud. They did a dispute it does not go under my favor. They dont tell me the reason. No answers just. That they can create another dispute. This is a off and on since XX/XX/2022. I live in XXXX, tn this happen in New York. I have proof I worked that day. I dont know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

During this Global COVID-19 Pandemic Regulations states that there should be NO LATE PAYMENTS reporting during Foreberarnce Program. I have multiple Late payments showing on my report that should me removed immediately due to COVID-19. This is Clearly a Violation!!! Delete these late payments from my credit report immediately! If not deleted I will be reaching out to the CFPB and Seeking litigation because once again this is a violation. Remove late payments now please. Thank you
Product: Mortgage

Ive attempted to contact PNC Bank multiple times and no one will speak to me about how much I owe and what my balance is to refi. Im trying to pay off this loan and unable to speak with anyone. Ive gone through bankruptcy about 9 years ago and Ive received zero notification as to where to send my payments. They cant locate my account and it may be closed. Theyre s no release on the mortgage and Im concerned because I have no idea of where to send my mortgage payment. I called several times on XX/XX/30 and attempted multiple times to reach someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint in hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration. These companies are in violation of The Coronavirus Aid Relief and Economic Security ( ChChch ) Act passed by Congress and signed into law on XX/XX/2020. I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time asking company to re-investigate my credit report they have not respond to me with any updates on removing inaccurate information off my credit report i have certified documents that prove that there investigation has took well over 30days. they use stall tactics to try and not investigate my issues. this is XXXX XXXX i am submitting this complaint on my own behalf
Product: Payday loan, title loan, or personal loan

My husband had a title loan with Title max in XXXX XXXX texas on XXXX XXXX. His last payment made was in XXXX his decease date was XX/XX/XXXX. The company contacted me about payment. Due to my husband putting me on the loan application as a reference.I then told him My husband was decease.They ask me to bring a copy of my Identification and his death certificate.I did that and have not been contacted since. Nor did The company mention at the time I brought death certificate and my Identification that they were still seeking payment.They said it would be decease and dismiss.The car was repoed over night on XX/XX/XXXX. The guy driving the tow truck said the XXXX location opened the claim back up in XXXX of XXXX. I have called the storw and the cooperate office.The lady at the cooperate office said she didnt understand why the car was even on repo list.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted official documents along with a personal letter to the original creditor XXXX, that undeniably dispute ownership and responsibility for the account that is currently being reported as delinquent by XXXX XXXX XXXX, debt collector. I submitted a dispute for inaccuracies and reported fraud to the credit bureaus and XXXX XXXX to investigate the validity of ownership to the debt from XXXX. XXXX XXXX continues to report inaccuracies file against without providing information to validate and identity ownership, agreement terms, contract enforced by law.
Product: Debt collection

I have contact Medical Data Systems about the inaccuracy of the debt from XXXX Hospital since XX/XX/XXXX. I even agreed to pay the portion of the bill that was accurate. The company refused to accept that amount and also refused to contact the debt holder to validate the debt after I made multiple requests in XX/XX/XXXX and XX/XX/XXXX to receive validation of the debt as required by the Fair Credit Reporting Act. 

Having no luck with Medical Data Systems I contacted XXXX XXXX Hospital and the put me in touch with the CFO, who had his staff suspend all activity on my account on XX/XX/XXXX. Please see attached letter from XXXX XXXX, XXXX for XXXX XXXX Hospital.