23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been trying to get in contact with the loan provider MOHELA, to solve my problems about repayment, viewing my dues, and setting up an autopayment. I have only had a lengthy call that ended with no help, and a single ( 1 ) piece of mail that says I owe money. When I go online though, it says I owe nothing and my account is in good standing. I know I owe money, but when I go to the " Make a Payment '' tab, it doesn't let me make a payment! I thought I was in an auto pay since XXXX, but apparently I only made XXXX payment and that my account is not eligible for an auto pay set up.
Product: Student loan

I have been out of school for quite some time. At the time, my father was handling my loans, and he did not understand what he was doing. He had access to my social security, and my only job was to go to college. He was n't given correct information, and they also over borrowed and gave him more than what my school actually cost. He truly believed he was helping me by taking on such risky loans, and I received over XXXX calls to switch my loan servicing company until I was scammed into what I am paying right now.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

XX/XX/XXXX I was given 3 credits for an Overdraft line of credit that had equal XXXX. The amount of XXXX credit was given and then XXXX was debited leaving XXXX credited for an line of credit on my checking account. I repeatedly had gotten collection letters from Citizens Bank. I was so fed up I decided to pay them on this closed account XX/XX/XXXX thru the XX/XX/XXXX. The company even accepted responsibility and found their mistake. I just keep getting transferred over and over again explaing over and over again with no resolution. I have paid XXXX on an already credited account. They meaning Citizen Bank, have reported on my credit reports that I had not paid them at all on a credited account. The mistake was admitted by a XXXX at Citizens bank. I have yet to have this resolved and they just keep brushing this off on different Depts. Explaining over and over again with no resolution. They are trying to charge me a 3rd time something already paid for. Credited in the amount of XXXX paid in the amount of XXXX and now wanting me to pay again for it
Product: Credit card or prepaid card

I received an email from XXXX notifying that XXXX XXXX was added to my account. That was a result of me informing them that it had stopped. 
This is a very important issue with me because any thing that occurs on any day regarding my account is texted to me immediately. Having been a victim of fraud with a bank before this was important. This was XX/XX/2021 I know I had the balance of my stimuluss check so wasnt concerned or worried about paying a few small bills. I then learned that I had no funds. I reached XXXX I told them I could not access my account she then proceeded to ask me questions and security questions that I answered incorrectly then she informed me that all my info was changed to allow a secondary user whohad changed everything on line and. I have never changed anything in my accouunt and I certainly would nothave added anyone. They never called me to checkit out and because I wasnt receiving alerts I had no idea it was going on. I never recd my money back and they continued to let my money go including my entire ss check, I have yet to recieve the first dime back. Shouldnt I have been informed? I am totally broke and theyhave now closed myaccount I have documentation. XXXX XXXX
Product: Debt collection

The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 while checking my email, I found a notice from Pay Pal. It related that I had made a purchase thru PayPal. I knew that I had not done so. I have called PayPal and spoke with a agent by the name of XXXX XXXX.I reported the problem to him and he then checked what had occurred. He informed me that a account had been opened using my name, social security number. The account is with XXXXXXXX XXXX XXXX with a {$10000.00} credit available.The card had been used to make a {$1800.00} purchase. I again informed him that I had not done this.The reference # is XXXX and the phone number is XXXX for PayPal. The agent told me that he was transferring me to the Senior Security Manager, by the name of XXXX XXXX. Upon speaking with her, she said that her ID # is XXXX. She then said that I needed to go to a XXXX XXXX and obtain a PayPal blocking card. Then she asked me if my bank debit card ended in XXXX, I said yes. Then I asked her how she got my debt card Bank and my debit card numbers. She would not relate to how. I then became suspicious and I hung up my phone.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of XXXX XXXX I found numerous accounts still on my credit report that were not open by me after this compliant was filed. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX ACCOUNT BALANCE : XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I found this collection account on my credit report. I have no knowledge of the account and I never received a notice of right to dispute letter.
Product: Debt collection

The options it gave to describe the problem were not broad enough to include our issue - so I choose closest option. 

This debt resulted from the credit card purchase of a XXXX XXXX cell phone at XXXX XXXX. The camera was defective. The entire selling point for this {$800.00} phone was the camera - we could have purchased ANY old phone to text and call! We reached out to XXXX XXXX multiple times, they REFUSED to help in any way. No exchange, no refund. We then sent the phone to XXXX for repair under warranty, but when they sent it back the camera was not fixed. 

As it was purchased on a credit card and the balance remained, we called the creditor to file a dispute. They refused to take our dispute. We followed up by putting it in writing and sending it certified mail, return receipt. They would NEVER acknowledge our dispute and continued billing. We sent another notification of dispute and copies of documentation again with the billing statement. NO RESPONSE. Months later, we get a collection notice from XXXX XXXX XXXX. We informed them it was a disputed charge and they ceased pursuit. Now, a few months later, this attorneys office, Stenger and Stenger, are aggressively pursuing this matter. We have informed them it is a disputed charge and provided them will all documentation. They have failed to respond to our communication on the matter, have sent the Sheriffs Dept to our door attempting to serve legal papers, and most recently sent notice to the postmaster for address confirmation to serve legal papers. They do not care that this is a rightfully disputed debt. They are pursuing it aggressively, looking for an easy payout. We intend to fight this fully, but these kinds of tactics should not be permitted. 

Stenger and Stenger, P.C. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX We had every right, under the consumer credit protection guidelines, to dispute this charge. We have documentation to support everything that we did in effort to resolve this matter. Prior to this, we had a long-standing account demonstrating excellent payment history with XXXX XXXX. 

The fact that they are continuing to aggressively pursue a disputed debt, even after they have been notified and provided more than sufficient documentation to substantiated that is appalling and wrong. 

Lastly, as they have ALSO been notified. We do still have the phone in question in its original box and would be MORE than happy to return it to them immediately, provided any negative credit reporting related to this matter is corrected and removed.
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment status for Comenityvank Victoria secret last XXXX # XXXX is listed as current account/ was delinquent 60 days past due date. 

In accordance with the fair credit Reporting act Community Bank/Victorias Secret has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gi % purpose.
Product: Credit reporting or other personal consumer reports

XXXX decided to delete the long established tradelines on my credit reports showing their name as XXXX and changing it to Missouri XXXX XXXX and also changed the account numbers for my loans. These changes resulted in both inaccurate information being reported and a large drop in my credit scores with both XXXX and Equifax. I have not seen any updates to XXXX yet. One credit bureau was even reporting double the loan amounts. Another was reporting some loans correctly and then missing others. I disputed with the credit bureaus twice now and some of the information has been updated or corrected but my credit scores have taken a huge hit because of name and account number changes when nothing else has changed as to the status of my loans. I've read all over the internet that the same thing is happening to countless XXXX loan borrowers servied by XXXX. I'm in the middle of shopping for a home/mortgage and my scores are jumping all over the place The sheer inneptidue and lack of concern for the damage they do to our credit for this nonsene is unconsionable. Student loan borrowers have really suffered though a lot in the past few years and this is just another kick in the face.
Product: Mortgage

This is the second time escrow has been messed up. The first time they failed to pay my property taxes, returned funds to me, then charged me an excess amount to get the " tax escrow '' caught up then finally returned funds back to me in XXXX. Then in XX/XX/XXXX they paid my condo associations master condo policy of {$3800.00}. My insurance has NEVER been included in escrow. Only taxes. 
In XX/XX/XXXX I received a notice that my escrow was going to have a negative balance and that my mortgage payment was almost doubling. I immediately contacted XXXX to figure out what was wrong. I believed they had purchased a policy in my name because they did not have proof of insurance. They told me to upload proof that I paid my personal insurance policy, which I did. It was then that I discovered that it was the master policy that they were requiring so I uploaded that. They did another analysis and dropped they premium amount by about {$400.00}, still much higher than I was supposed to pay. I have been speaking with them weekly to get this resolved, thinking that escrow needed to fix this payment to a policy they purchased. In the mean time, they then also went and paid my personal homeowners insurance - once again something they never should have done. I have been harrassed with calls, letters, and knocks on the door regarding this even though I have been speaking with them weekly. Finally on XX/XX/XXXX I spoke with someone in their insurance department and determined that they hadn't purchased a policy, but had paid my Condo Association 's insurance company. I obtained a check from them, deposited it and then called SLS on XX/XX/XXXX to process this payment. I call on XX/XX/XXXX because I was concerned about a call I received stating that I was in default. It appeared that they hadn't properly applied the payment. To resolve they wanted a complete copy of my bank statement, which I was NOT going to provide. I was finally able to speak with someone who actually located the funds and applied them correctly. In the mean time, a useless escrow is being processed because the escrow will not be corrected until the payment is posted. As of XX/XX/XXXX the payment is still not completely applied and I can't tell escrow to run a proper analysis. The fact that I have to constantly call them to fix their issues, call them to have the escrow re-run and fixed... their people are very rude when calling and the majority of them arent helpul. My credit was hurt by this and I don't believe it will be fixed. I have been made XXXX XXXX with the XXXX  of this all. SLS made a huge mistake and then came after me for it. Some of their people were unbelievablly nasty. They should not be allowed to conduct business like this. My next move is to remove escrow completely as they have shown they are not competent to handle it.
Product: Checking or savings account

On XX/XX/year> a fraudulent transaction happened on my XXXX XXXX account. The company responsible for the fraud is XXXX XXXX XXXX. I've never done business with this company. I've never even heard of it until this fraudulent transaction took my savings account money from me. There was no authorization to do this. I've never allowed anyone to log into my account. I have 2-step verification enabled so they should never even have been able to log in to steal my money. I wish to have my money refunded and to press charges to the maximum extent of the law.
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. 
Account name : Account # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 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 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: Debt collection

Midwest Recovery Systems, LLC. has reported to my credit report of a collections account that has started appearing on it as of today. I have no idea what this debt is, nor received ANY form of notification of this by mail or phone that a " debt '' was due and owing. It just randomly appeared on my XXXX  report without any communication with me whatsoever. Also, this account is already showing as a negative on my account, so this is now impacting me twice. 

Alleged balance : {$650.00} Original Debtor : XXXX XXXX  XXXX  Date Opened : XX/XX/2020 Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision.
Product: Credit reporting or other personal consumer reports

This complaint is filed with the CFPB to request, pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), that you, Experian, promptly block the information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX ( XXXX ) business days of receiving this request. 
The fraudulent, inaccurate, and false information includes the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education, XXXX XXXX XXXXXXXX These accounts have caused multiple fraudulent hard inquiries and collections to appear on my consumer FICO credit report.

Supporting Documentation : * A list of the fraudulent hard inquiries in question * A copy of my consumer FICO credit report maintained by Experian showing the disputed items * A copy of my FTC Identity Theft Criminal Complaint I assert that I do not recognize or have knowledge of the aforementioned accounts, collections, or hard inquiries. They were neither opened, authorized, nor initiated by me and are the direct result of identity theft and fraud.

Legal Support for My Request : 1. FCRA 605B : Requires credit reporting agencies to block fraudulent information within four business days upon receipt of : * Proof of identity theft ( e.g., FTC Identity Theft Report ) * Identification of the disputed information * A statement from the consumer affirming the fraud.

2. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : Mandates that consumer reporting agencies provide consumers with access to supporting documentation and information related to fraudulent accounts to assist in resolving identity theft disputes.

3. FCRA 611 ( 15 U.S.C. 1681i ) : Requires consumer reporting agencies to reinvestigate and delete or correct inaccurate, incomplete, or unverifiable information in a timely manner.
Product: Checking or savings account

I opened a XXXX checking account with Capital One, and setup my paychecks to be deposited into it. I never received my card, but apparently someone did because they withdrew or charged all of my funds in the account. I reported this to Capital One and they temporarily credited my account on XX/XX/XXXX while they investigated. They also told me that they'd send me a new card, which I'd have to sign for. It was delivered to me but was just left in an envelope on my porch. Luckily I was home and retrieved it before someone else did. I thought it possible that someone could've broken into my mailbox and took the original card because some other items I was expecting were missing as well, so I submitted a claim to XXXX on XX/XX/XXXX, but they weren't able to help. Capital One eventually reversed my temporary credits on XX/XX/XXXX, stating that they " didn't find any errors during [ their ] research. '' On XX/XX/XXXX I submitted an appeal and asked for further clarification ( steps they took to investigate, etc. ) but was offered no further information except to tell me that my claim was closed and they wouldn't continue any dialogue with me about it, even though I had many more questions and concerns and even asked what documentation I could provide to them to prove my case. Performing an insufficient investigation is one thing, but to also provide no reasoning and to decline to answer any of my questions is absolutely appalling. Also, the logic behind basically calling me a liar, accusing me of attempting to commit fraud against them but still keeping my account open, is perplexing to me. I'm not sure if that's standard practice. But I'm inclined to close the account myself if this issue isn't resolved. I wish I had never opened an account with Capital One and would advise against anyone else doing so. 

Fraudulent Transactions : XX/XX/2021 - {$800.00} - ATM Withdrawal - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Withdrawal Time : XXXX XXXX GMT-5 Amount : {$800.00} ATM Fee : {$3.00} XX/XX/2021 - {$510.00} - XXXX # XXXX - Debit Card Purchase : XXXX XXXX GMT-5 XX/XX/2021 - {$60.00} - ATM Withdrawal - XXXX XXXX XXXX XXXX, TX XXXX Withdrawal Time : XXXX XXXX GMT-5
Product: Credit reporting or other personal consumer reports

I'm XXXX unable to work for the rest of my life because of XXXX XXXX  That has left me with XXXX surgeries to my XXXX XXXX XXXX from XXXX .I 've gotten all my documents from my XXXX and send them to all included parties : Department of education/as well as credit report agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

Adding late payments to my credit ... collections and charge-offs effecting credit report
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX.I use XXXX send USDXXXX to XXXX. But receiver Couldt receive money, I called for refund.but they refused my request.