23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

bill is being paid every month,300.00 -- -400.00 a month, they stated not enough.threatened to garnish my wages, wants my employer phone number, has called my parents home saying they have a right to.my parents phone number and my mothers phone number are unlisted numbers, have asked them to stop.
Product: Checking or savings account

on XXXX XXXX i got my tax return sent to my chime account for the first time, the funds was deposited into the account without any issues after paying my employees i got a emailing stating that my accounts had been closed. I reached out to chime via email and made several phone calls, i got a response from XXXX telling me i need to verify my identification and proof that the funds was issued to me. i provided my ID and my tax return info. they then later email me saying i violated there terms for deposits and i am not eligible for a refund? ive asked why and ive called, emailed all there support emails and i dont get a response.
Product: Student loan

For the life of the loan, since  XXXX , not once have I been offered a reasonable amount that I can pay.   I go through this every year. The last time, in  XXXX , I was offered to make monthly payments of over {$500.00}. I keep getting on forbearance year after year after year.   My loan has ballooned from about  $ 35K to almost $ 55K. I  am able to make reasonable payments, not an amount that puts me in a position of having to choose between daily needs and repaying a debt. Thats why I always end up in forbearanceyet again allowing  for Navient to ball oon the loan.
Product: Mortgage

We are refinancing our current mortgage ( NewRez loan number XXXX ). The payoff statement for our existing loan provided by NewRez includes a line item for {$2600.00} for mortgage insurance that is in error, and needs to be removed. We have made numerous communications to NewRez over the past 21 days and have had zero follow up or resolution on the matter, and it is holding up the our refinance and is costing thousands of dollars in rate lock extension fees while we wait for the NewRez error to be corrected and a new payoff statement provided : XX/XX/XXXX Spoke with XXXX in the payoffs department and he said the matter would be escalated. We never heard back. 
XX/XX/XXXX Had a lengthy conversation with XXXX XXXX, supervisor, and he assured us the matter would be resolved. Never hard back. 
XX/XX/XXXX Emailed XXXX XXXX asking for a status update. Never heard back. 
XX/XX/XXXX Emailed XXXX XXXX asking for a status update. Never heard back. 
XXXX Emailed XXXX XXXX asking for a status update. Never heard back. 
XX/XX/XXXX Emailed XXXX XXXX asking for a status update. Never heard back. 

Furthermore, in the course of investigating this matter, XXXX XXXX XXXX confirmed that NewRez never made a single payment on the mortgage insurance policy since the we closed on our loan in XX/XX/XXXX, and the XXXX XXXX   Certificate # XXXX was cancelled on XX/XX/XXXX. We are paying $ XXXX/month for mortgage insurance for a cancelled policy with a 95 % LTV loan with NO mortgage insurance right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been applying to Credit Karma Pre-Approved offers for loans and credit cards. The approval rate they have is nothing like advertised. It only continues to lower my credit score when I apply.
Product: Credit reporting or other personal consumer reports

Hello, I would like to request an investigation into these accounts, as there seems to be a misunderstanding about their accuracy on my credit report. These accounts were previously removed but have been re-added without my knowledge. I was not informed of their reinstatement, nor have I received any correspondence regarding this matter by mail.
Product: Credit reporting or other personal consumer reports

How in the world can one credit reporting company have your credit score almost XXXX points lower than the next. Equifax has me at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, how is that possible?
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove the following Fraudulent hard inquiries from my credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights . Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification?

I request for the third time that you provide the method of verification you used. Your response should provide :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act violation. 
The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions..
Product: Credit reporting or other personal consumer reports

Air conditioner went outXXXXXXXX came out .were financing XXXX with them..Turned down..immediately called all XXXX national credit reporting agencies. Received al.Nothing wrong.found out it was XXXX XXXX XXXX.Synchrony Bank is the credit agency that cool air-conditioning uses.spent entire XXXX  calling XXXX phone numbers for synchrony Bank..Were ALL prerecorded.Needed account # which, of course, had none.Received letter from XXXX that said reason for not able to get financed..I WAS DECEASED! ! Sent copies of bills, drivers license, etc to credit bureaus ... XXXX said it WASNT them..I need your help.I have No one else to turn to ... Perfect credit score, BUT... I AM XXXX and very much alive.Fear this could cause further problems, with ss or retirement. XXXX XXXX XX/XX/23 and XXXX  is XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XX/XX/XXXX and XX/XX/XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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: Student loan

I am filing a formal complaint against Nelnet and the U.S. Department of Education for allowing unauthorized access to my student loan records, violating my rights under the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) and failing to properly protect my personal financial and loan information. 

I recently became aware that DOGE ( associated with XXXX XXXX office ) accessed student loan records, including mine, without my consent. This is a serious breach of data security and privacy, and both Nelnet and the Department of Education are responsible for failing to prevent this unauthorized access. 

Key Issues & Violations : Unauthorized Access to My Loan Records My student loan data was accessed by unauthorized personnel who are not legally permitted to view or handle my records. 
FERPA requires written consent before student loan records are shared with any party. I never authorized this access. 
Failure to Secure My Private Loan Information Nelnet and the U.SXXXX Department of Education failed to implement the necessary data security measures to prevent unauthorized individuals from viewing, using, or sharing my personal financial details. 
This puts me at risk for identity theft, fraud, and financial harm. 
Potential Data Sharing on Public or Shared Documents There is concern that my student loan records may have been included in shared databases, public repositories, or mailing lists, exposing my information beyond authorized use. 
Negligence in Handling My Student Loan Account As a result of this data mishandling, I am unable to trust that my loan balance, terms, and records have been properly maintained by Nelnet and the Department of Education. 
This has directly impacted my ability to manage and make informed decisions regarding my student loans. 
Actions I Have Taken : I am reporting this issue to the U.S. Department of Education, the Federal Trade Commission ( FTC ), and my state Attorney Generals Office for further investigation. 
I am requesting a full review of Nelnet and the Department of Educations data security policies to determine how this breach occurred and what steps will be taken to prevent future unauthorized access.
Product: Credit card

This is in regard to a XXXXBestBuy Credit Card handled by Citibank. My wife and I both have a XXXXBestBuy card. On XXXX of 2016 we mistakenly made a payment on HER account instead of MINE. This resulted in a 30 day late on my credit report. This would not ordinarily be a big issue but we were right in the middle of closing on a new house. I called them, explained the situation and they could clearly see we actually MADE the payment but to the wrong account. They adjusted the late fees and credited the correct account but my loan officer and underwriter needed a letter from them saying the payment was made to the wrong account or that the payment was n't really late. They absolutely would NOT give me a letter saying anything close to that. Every fax the sent me took either 3 hours or 72 hours because it had to go through the legal department. When they did finally promise to send a letter that would work, we had the seller, closing attorney, realestate agents and everybody waiting for them to send the letter. After 4 days of waiting, I called back and guess what? The letter does n't even exist so they never sent anything. 

I am a XXXX XXXX and have been buying from BestBuy for me and my family for years. It used to be my favorite store and I have spent thousands there but if they ca n't help a longtime customer not lose his dream house over a simple mistake then that tells me they do n't give a XXXX about us as people. They want us to spend our money and shut up and if they do something to ruin our lives they do n't care. My rental was spoken for when this happened and no I ca n't close on my house. We do n't have enough money to stay in a hotel for long so unless a miracle happens my wife, kids and me will be sleeping in our car all because BestBuy and CitiCard will not give me a simple XXXX letter!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX Account # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction
s.
Product: Bank account or service

I am a client of Citibank. I was notified that from XX/XX/XXXX on I would be charged a maintenance fee in my account ( " basic '' type of account ) if I did n't have a balance of {$1500.00} ( I was a student before and I did not have to pay fees ). My average balance since XX/XX/XXXX has been + {$10000.00} a month ( which corresponds to the minimum balance needed to waive fees from " premium '' accounts XXXX. 
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was charged a {$25.00} fee for maintaining the account. 
I called Citibank today and they waived the charges as 1 ) I had enough balance to waive all my fees 2 ) I was not a " premium '' customer but " basic ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : Validate Account XXXX Please remove this bankruptcy from my public record Validate Account XXXX Please remove this bankruptcy from my public record Validate Account XXXX Please remove this bankruptcy from my public record
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 there was a hard inquiry on my equifax account from XXXX XXXX  XXXX  I didnt Authorize any inquiries.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Section 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. Sections 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Was contacted by this company after entering a payment arrangement with a previous company ( XXXX XXXX XXXX ). I was unable to make a payment until a month later and they stated it would be considered a refusal to pay despite having made multiple payment arrangements. I was bullied into payments by that company who threatened to sue me and garnish wages via phone call. When Bayside Capital Services contacted me it threw up a red flag because they stated I owed more than the previous company after having made multiple payments. I contacted my bank to alert them of the practice and believing the debt was valid through themand after a very upsetting phone call entered a payment arrangement through this company. I still felt uneasy after these call and connected XXXX XXXX XXXX who was the original creditor. They stated XXXX XXXX was the collector on the account. I contacted them and while speaking with someone was hung up on twice and in the third attempt some with someone named XXXX who sounded exactly the same as XXXX from Bayside Capital Services. The guy was extremely rude and told me to hang up as if I was being rude in explaining my situation. I refused to give my social security number because I was told they could look it up by name. I was seeing to give the last four and they stated they never had the account. I contacted XXXX from Bayside Capital again because I was leary about the situation and he started they would tell me that they owned the chain of title which they did not. When they call me back it is on a restricted line. I contacted him this morning after doing additional research and learned the internet address they provide is invalid and their phone numbers do not match up. I explained the situation and he began to get nasty with me. He also misrepresented the company by stating they were XXXX accredited. I checked the site multiple times and it did not state they were accredited. He called me a liar when this was brought to his attention. I asked for a copy of the phone call and chain of title and he said that my payment arrangement letter was a copy of that information. But it did not have any information about the company the debt other than the payment arrangement which was to be collected by debit card. This also threw a red flag to me as the previous company requested a debit card for payment as well. When asked for a copy of the call he rushed me off the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

lost my wallet in a truck stop time after that account started appearing up on my credit report reach out to the XXXX  letting them know that there wasn't mines but it didn't do any good
Product: Credit reporting or other personal consumer reports

Experian Consumer Relations XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to express my deep frustration with the handling of my recent credit report dispute. Despite my repeated attempts to have certain items on my credit report investigated and corrected, I have encountered significant resistance and have not seen any progress in resolving the issue. 

On XX/XX/2023 and XX/XX/2023, I submitted a dispute regarding a few items on my credit report. I provided detailed explanations and supporting documentation to substantiate my claims, yet I have not received any indication that these matters are being appropriately addressed. 

This ongoing lack of action on Experian 's part is not only concerning but also damaging to my financial well-being. I expect and demand that my dispute be handled with the utmost attention and in accordance with the law. 

I urge you to promptly review and address my dispute and provide me with a clear and timely resolution. I also request that you provide me with regular updates on the progress of this matter. 

I am prepared to take further action if this issue is not resolved to my satisfaction. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had {$200.00} that I wanted to invest into Ripple ( XRP ) with. I usually use ShapeShift. This company is supposed to be a very reputable and trustworthy cryptocurrency exchange. However, I recently noticed that they have been keeping peoples money for profit. This is a disgusting activity to take part in especially when you are running a service where trust is of utmost importance. I have yet to receive my XRP and I believe they are holding my money as a way to make them some extra cash. I am not ok with this and I demand that something is done. They do not deserve customers or business if this is the kind of operation they want to be running.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries on my credit report and I ask for them to be removed and the credit bureaus did not do as I ask XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Harris and Harris, Ltd. started calling my parents ' number. My parents called me about this, but I do not know when it started. I have not lived there for over a decade now. I can tolerate whatever they want to throw at me, but my parents have enough stress and poor health, so I want them to cease immediately with the possible exception of XXXX phone call or letter apologizing. 

I also do not want my financial information disclosed to my parents or others. I am the only XXXX they should be contacting. 

Also, I called XXXX XXXX days ago and they said they had pulled the case from debt collection for at least 90 days.