23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Pioneer Credit Recovery contacted me directly to communicate on their behalf to a neighbor of mine for debt collection. They researched addresses closest to the person they are trying to contact and found my number. I feel this is illegal and a gross violation of my privacy and that of my neighbor. It is not my job to communicate with their collections. I have no right to know my neighbors business.
Product: Vehicle loan or lease

I am a XXXX veteran, and whenever I was overseas in XXXX, this company hounded me to pay on my autoloan. They kept making threats while I was overseas for an old autoloan i no longer have with them. Now, for some reason, I have a new autoloan with them. But this time, i am not overseas. But now my complaint is their high interest rates on their autoloan that i have with them. I really hate the fact that they hounded me overseas while I was fighting for my country. With the current autoloan interest rate, there is no way for me to keep paying this high car payment every month. Could you get them to lower the interest rate? If not, I will move forward and try to find someone else and let them repossess the vehicle and sue them for hounding and harassing me while I was overseas in 2009.
Product: Debt collection

Firstly, according to court order the actual owed amount was a little over 2 grand and they sent me to collections for XXXX grand. 

The debt is from 2015, meaning the 7 year line has nearly hit. Since about 3 months ago they have repeatedly removed and re-sent me to collections making my credit score fluctuate. This is only to XXXX, I have disputed on XXXX off the basis it was removed from XXXX which is what I believe started this. 

They have also called family members not involved with this debt and sent mail to every address I had prior and after the debt.
Product: Debt collection

Managed Recovery Systems keeps contacting about a debt they have yet to validate. XXXX XXXX requested debt validation by mail inXX/XX/2017.  Managed Recovery never replied. Now they are sending threatening letters in the mail for {$140.00}. They can not threaten to destroy my credit or sue for debt that has not been validated. I dont even know where this is coming from.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 15 USC 1681 Section 602 A states I have a 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.
Product: Credit reporting or other personal consumer reports

Ive sent Transunion, XXXX, and XXXX numerous letters in regards to fraud on my name and about accounts opened on me. TransUnion has refused to block fraudulent items on my credit report despite my submission of : A valid FTC Identity Theft Report. 
A police report verifying the identity theft.

A detailed list of fraudulent accounts and inquiries.

Under FCRA 605B, TransUnion is obligated to block fraudulent information upon receipt of the required documentation. Their refusal to comply has caused significant harm, including credit denials, financial loss, and reputational damage. 

Key Issues Failure to Block Fraudulent Items : Accounts such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX remain unblocked despite being identified as fraudulent. 
Unauthorized inquiries from financial institutions continue to appear on my credit report. 
Inadequate Investigation : TransUnion claims my documentation is not valid, but I have provided sufficient evidence under FCRA guidelines. 

Harm Caused : Denial of credit opportunities. 

Emotional distress and reputational harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are violating my consumer right under the Fair reporting acting Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XX/XX/XXXX I started to repay my student loans from the State University of XXXX XXXX - College of XXXX XXXX XXXX XXXX in XXXX, XXXX. 

My payments were just under {$500.00} per month ( approximately {$480.00} ) In XX/XX/XXXX after paying close to {$60000.00} ( over what I originally borrowed ) I stopped paying. 

In XX/XX/XXXX, a garnishment was placed on my paycheck and now {$220.00} is taken each paycheck for the past year and a half. Also my XX/XX/XXXX income tax return ( {$4600.00} ) ; XX/XX/XXXX income tax return ( {$3000.00} ) ; and XX/XX/XXXX income tax return ( {$750.00} ) have been swept.

As of XX/XX/XXXX approximately {$9000.00} of income and {$8400.00} of income tax refunds have been taken for a student loan debt that has not already been paid off but supposedly still is {$60000.00} of a remaining balance. 

At this time I am requesting that my Public Service Loan Forgiveness approval be activated so this can be resolved and the garnishment be removed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX
Product: Prepaid card

I requested on the behalf for a dispute with this company regarding unauthorized transactions was stolen from my account I XXXX XXXX is requesting My account refund and help me with this situation ASAP. Also put in dispute regarding unauthorized transactions and XXXX was actually taken care in XXXX day. I this matter was XXXX was unauthorized transactions and demanding all refunds and money from my account I didn't authorize any money to be paid out of my account. I need help with the company ingredients from my account
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 
While Ive experienced this with experian I would like to include XXXX more XXXX and Equifax as well I had the same experience with them as well
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 XXXX5 USC 1681. 

I told Transunion to reinvestigate this accounXXXX XXXX XXXX XXXX XXXX Account Number # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX XXXX XXXX
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. 

Enerbank USA - Account # XXXX The above account have 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, states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section, states that 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: Mortgage

Reports have confirmed that the XX/XX/XXXX began affecting XXXX XXXX in the fall of XX/XX/2019. I myself became ill in XXXX and I used all my accrued leave. I was fired from my job and all this while trying to pay mortgage and other bills. My mortgage with PennyMac is currently in forbearance and they are still reporting it delinquent. I have stayed in communication with PennyMac and Ive inquired about ways to make the delinquent payment. PennyMac refuses to help me. They have said that the payment will not be applied. I dont know what else to do. I am at my wits end. I need help with this creditor. I want my account status to no longer be reflected as delinquent and I am happy to make the 1 delinquent payment in order to make that happen.
Product: Debt collection

Upon moving out of my apartment, managed by  XXXX   XXXX , I was sent a bill for various charges which were not described to me on the bill. The charges on the bill I was sent also did not add up correctly ( the total amount due did not equal what each line item added up to  ).  The bill clearly says not to contact the propert y manager  if you are disputing the bill, but to send an e-mail to the company and provides the e-mail address to send it to. I did this before and after the due date of the bill and received no response.  XXXX   XXXX  then sent my bill to a collection agency  National Credit Audit Corportation. They have re peatedly told me that I must pay the bill sent to them even thou gh it is not the same bill I received or it will affect my credit score. I told the person there that I have trie d contacting the management company to dispute the charges and they refuse to respond. I am now planning to file a complaint against  XXXX   XXXX  ( and possibly National Credit Audit Corporation ) in the Magisterial " small claims '' court. I believe I have a right to speak DIRECTLY to the party sending me the bill and dispute their erroneous charges.  XXXX   XXXX  is only trying to bully me by stonewalling my dispute and hiding behind a collection agency which is an unfair and unethical practice.
Product: Credit reporting

On XX/XX/XXXX a past creditor requested the removal of my information from Equifax. It was removed then placed back on my credit report on XXXX. 
Only part of the information shows up now. I called Equifax numerous times but they refuse to call the creditor and/or accept the letter from the creditor that was set out when they requested the removal. Instead they tell me to contact the creditor. 

I have called numerous times. Just today I called and was placed on hold for over a hour. When I called again I was told they closed a few minutes before. This is the worst customer service I have ever experienced in my life. 

XXXX had requested the removal of negative information from my credit report. I have disputed this numerous times. I have had no issues with the other agencies, but Equifax keep showing the old information. I have letters from the creditor and no one is willing to assist me. I have been denied a loan twice due to this issue. 

Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my credit monitoring account and seen unfamiliar inquiries on my account such as : XXXX XXXX XXXX XXXX XXXX XXXX I tried to call these companies some didn't have phone number to contact therefore nothing was done to fix this issue. 
Also I have never applied for a mortgage whatsoever yet there are number inquires on my report from mortgage companies such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I can not access online banking or phone banking, and can not change any of my settings including paper statement settings. After calling, it was determined that my social security number did not match what Citizens has on file. I was told I needed to fill out a W9 to prove who I am before speaking with them. I can not change paperless settings, or do anything else, before verifying my identity with them. This has been a big hassle and I want my account closed completely since I have never had this many problems with a bank before.
Product: Consumer Loan

Because of some rare car trouble, I was unable to get to a Key Bank branch by the due date of my installment payment. I called on the due date and told a Key Bank representative of my predicament. I was told to call once the late charge appeared on my statement and ask for a refund. I did so. The Key Bank representative refunded the late charge. 

My next month statement showed the late charge and then the credit, but show a minimum payment that includes both the late charge and the payment amount. I called another Key Bank representative - a phone call designated internally at Key Bank as XXXX - who told me that Key Bank has, in fact, refunded the late charge but still requires the amount of the late charge to be paid with the regular payment, in a sense, prepaying some principal. When I inquired further about the refund, the representative claimed something to the effect that " This is how we do it at Key Bank. '' I am not at the location where my account agreement is located, but this appears to be a completely self-serving policy of the bank, especially for clients who may be struggling financially. If this policy is not part of the loan agreement, then I think that it is against public policy that a late fee assessment and waiver should induce involuntary principal repayment from the borrower. 

I would appreciate a response from the appropriate Key Bank representative regarding this troubling policy, and I will review my account agreement by the time the Key Bank representative contacts me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

I ACQUIRED MY CREDIT REPORT AND ASKED THE CREDIT BUREAUS TO CHECK AND MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681i I WAITED 30DAYS AND I HAVENT RECEIVED NOTHING BACK MY TRACKING NUMBER IS XXXX AND ONE MORE THING, THEY DIDNT EVEN RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION. 
XXXX, AND TRANSUNION AND XXXX IS HOLDING ME BACK FROM BUYING. NEW HOME AND CAR DURING THIS HARD TIME IN THE WORLD. I AM STRUGGLING AND TIRED OF PAYING HIGH RENT. 
THE CREDIT Bureau IS NOT DOING THEIR JOB ACCORDING TO THE LAW
Product: Debt collection

On Wednesday, XXXX XXXX 2015, a company called EOS-CCA called me referencing my student debts. They informed me if I did not enter into a " XXXX '' as of the date listed above, I would be subject to having charges pressed against me, and that my interest rate due to the contract of the Federal Student Loan I signed at the time I was in school has now risen to 6.8 % DAILY. The amount they said I owed was {$3000.00} dollars above the actual amount. After fearing that I would not be able to make my student loan payments and would be XXXX, they directed me to a website ( XXXX ) where I can print a " XXXX '' and send it back via e-mail. After feeling some relief that I would now be able to handle my student loans and would not be subject to face charges pressed against me, I did some research on the company only to find out they are a fraud. The phone number they called me from is XXXX, the extension number given to me was XXXX, and the " account handler '' only gave me her name as " XXXX ''. On the " XXXX '' I submitted to them, I gave them personal information such as, date of birth, home address, phone number, family size and my social security number.
Product: Credit reporting or other personal consumer reports

Discovering unauthorized accounts on your credit report can be concerning. Here 's what you can do : 1. **Review Your Credit Report Thoroughly** : Look for any accounts or transactions that you didn't authorize or recognize. 

2. **Contact the Credit Bureaus** : Notify the credit bureaus ( XXXX, XXXX, and TransUnion ) about the unauthorized accounts. They can help you dispute these items on your report. 

3. **File a Dispute** : File a dispute with each credit bureau for the unauthorized accounts. You can usually do this online through their respective websites.

4. **Contact the Creditor** : Reach out to the creditor associated with the unauthorized account and inform them of the situation. They may require documentation from you to prove the account is fraudulent.

5. **Place a Fraud Alert or Credit Freeze** : Consider placing a fraud alert or credit freeze on your credit reports to prevent further unauthorized accounts from being opened in your name.

6. **Monitor Your Credit** : Continue monitoring your credit reports regularly to ensure no further unauthorized activity occurs. 

7. **Consider Legal Advice** : If the situation escalates or becomes complex, consider seeking legal advice to protect your rights and resolve the issue effectively. 

Taking these steps promptly can help you address the unauthorized accounts and protect your credit. here is the accounts : XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX
Product: Debt collection

This is referencing account # XXXX. I have disputed the account multiple times, provided my police report, and identity theft report. They still attempt to report the debt as valid. I have asked them to send me the renewal lease agreement and debt validation. They sent me the original contract agreement which I paid in full prior to the debt being sent to collections. I received a debt validation letter via email on XX/XX/year>. They didnt inform me of my right to dispute the information or provide me with a renewal agreement that has my wet or electronic signature. The amounts listed on the statements theyve sent me doesnt coincide with the monthly rental amount listed on the original contract. ( I never agreed to renew the lease and there isnt an amendment in the lease stating that it would be automatically renewed. ) The original creditor ( XXXX XXXX ) was notorious for adding amounts to tenants bills when they shouldnt have. Check this article ( XXXX XXXX XXXXXXXX ). This is a fraudulent account and it needs to be removed from all tenant histories and credit reporting agencies. Ive been dealing with this for 6 years and they have violated my rights.
Product: Credit card or prepaid card

I applied for the  XXXX   XXXX   XXXX  card from  CapitalOne . They approved the application, but said my  credit score  was  XXXX  from  XXXX .   My actual credit at the time of the application was  XXXX  from  XXXX .   By giving me a low  credit score I  received a higher interest rate and lost the {$100.00} bonus.   I have called  CapitalOne a t least twice, no one seems to know the what department to direct my call. On one call I was placed on hold for at least an hour before I hung up.
Product: Credit card or prepaid card

I purchased an engine thru an online website XX/XX/XXXX of 2019 for {$5800.00}. From a merchant in XXXX XXXX XXXX. I call Chase Visa in XXXX to dispute the charge because the engine had not been delivered. Several days later the merchant claimed he had a different shipper that could make the delivery. At that time I called Chase Visa to discuss closing the dispute. I specifically asked the fraud department agent if the dispute could be reinstated if needed, as I was suspicious of the situation. I was told that I could. By XXXX after many missed delivery dates by the second shipper I called Chase Visa to dispute the charge again. The claim was denied without explanation. I called and faxed in the dispute information 5 times. The last time the claim was denied I was told the reason was because I had closed the dispute in XXXX and it could not be reopened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that XXXX XXXX Account No : XXXX be put back on my credit report. In XX/XX/XXXX it was deleted. However Ive been paying on it got 8 years and recently finished in XX/XX/XXXX The agreement between me and XXXX was once it was paid off it would be reported on my credit report as account in good standing paid as agreed and paid in full. XXXX reported normally. I've called EQUIFAX a total of 30 times asking for the status of the updates they informed me I can fax a dispute to put everything back on my credit report which was faxed in the month of XXXX EQUIFAX informed me that I can not dispute to add something to my credit report only a creditor can add something to my credit report. MEAN WHILE EQ IS SAYINTH THEY HAENT HEARD ANYTHING FROM XXXX Mean while XXXX XXXX has been trying to report it over 7 times on my credit report Providing me with AUD # XXXX every time..
Product: Mortgage

Specialized loan servicing raised my payment by XXXX telling me I have escrow shortage. My taxes are XXXX : {$5000.00} and XXXX {$5100.00}, so my taxes went down. No one -at the bank wants to explain everyone is saying I have shortage XXXX and it needs to be paid. I am looking at my county tax bill and it looks like taxes went up in XXXX but not by XXXX. I am XXXX and this is elderly abuse. They treated me like I am an XXXX when speaking with several individuals. I was talking to customer service she could not explain, so she referred me to escrow analysis department. The analyst was putting me on hold constantly and than he disconnected on me without saying a word about the situation and only mention " wait a second I have 2 bills here '' I have my tax bill available and escrow analysis from XXXX and XXXX, I actually I got refund of {$110.00} last year, so how is it possible to have shortage of XXXX almost 100 % of my tax amount? I called again and I was refused to speak with manager. They said someone will call back, they never do. Please find all the documentation attached, I was about to pay my mortgage on the XXXX when i discovered the issue, now I will be late.
Product: Debt collection

This debt collector has called my family members not listed on the debt to discuss amounts/payment arrangements/when the last time the account was paid, etc. Private information was shared with someone not listed on the account in question. Repeated phone calls have come to my phone multiple times per day. In addition, this collector has contacted my work ( I 'm a school teacher ) and has called my classroom during school hours. Their tactics are increasing even though payment has been submitted via mail. They have been asked to stop, however, more calls have been received since.
Product: Credit card

Transunion put a hold on my credit score, and everywhere my credit card applications are denied, I am so stressed out about what to do.

Transunion never let me know the reason for the hold I have to buy gifts and
groceries for XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX all credit card denied Please help me I always pay all bills on time my credit score was above XXXX before Transunion hold Now I am unable to check my score Dont ruin XXXX XXXX fr me