23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my XXXX XXXX account and noticed that there was fraud and things I never authorized on my account that I was told was gon na come off my account since I have no idea what they were talking about. As someone tried to steal my identity Collections that are fraud XXXX XXXX for {$870.00} is fraud and not authorized XXXX XXXX for {$770.00} is fraud and not authorized XXXX XXXX   {$260.00} is fraud and not authorized I have spoke to these companies and have informed them. 

There are also hard inquires that are fraud that I never applied for. 
XX/XX/XXXX XXXX XXXX  XXXX XXXX on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/21 we spoke to manager XXXX regarding a XXXX late fee on our account. We were never late as it is set to auto pay electronically. We were told their bank was closed that day and that is why the payment did not post until one day later. We were told if we paid XXXX that day that they would waive the other late fee. Our payments were only XXXX and we had another payment coming out autmatically for XXXX put we paid via phone that day the extra XXXX. That would put us a month ahead, but that was fine so that this did not happen again. Now in XXXX we are turned over to collections and they say that we owe XXXX because we did not pay the XXXX late fee and it has accumulated another XXXX. We sent a print out of all of our electronic payments and none have been late. We are refusing to pay the late fee and they are saying that they can not waive them.
Product: Student loan

For almost ten years, I made payments to XXXX on my student loans for my XXXX degree. My loans were in forbearance while I finished my XXXX XXXX, which I paid for out of pocket as I went. XXXX sold my loan to XXXX. I have served the country ( XXXX XXXX ) and government ( XXXX XXXX XXXX ) for over 30 years and should qualify for service forgiveness, but my loan was sold, an act that was out of my control. When I called the lenders, they told me I'd need to refinance my loan and start over with the ten years of payments. That is unfair, and how do I know that my loans won't be sold again before I pay for ten years. Thanks for your help!!
Product: Debt collection

Credit Collection Services has sent multiple letters and statements claiming that I owe them an amount of money that has yet deemed to be proven. I have never used Credit Collection Services, I have never received a service from them and I am being contacted frequently for collection of money for a debt that is not mine. I have disputed this account and Credit Collection Services has never shown any signed agreements or contracts with my signature. My credit report has been reported negatively due to false reporting of this unknown debt/account. I demand that this be removed from my credit report due to inability to prove my ownership of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting or other personal consumer reports

I have discovered items on my credit report that do not belong to me, as well as accounts that were opened in my name using my Social Security number without my authorization. I did not open these accounts, nor did I authorize anyone else to do so on my behalf. I am filing this report to dispute these fraudulent accounts and to initiate the necessary steps to remove them from my credit report and secure my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  : Account # XXXX, has violated my rights. DISPUTED XXXX-Inaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX : Account # XXXX, has violated my rights. DISPUTED XXXX-Inaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights . DISPUTED XXXXInaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. DISPUTED XXXX-Inaccurate information 15 U.S.C 1681 section 602 A. Accuracy and fairness of credit reporting. 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 an account without my written instructions. 

References : https : //www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-credit-reporting-act.pdf
Product: Checking or savings account

Short story is that they are not and are delaying awarding a new customer checking account bonus that they acknowledge I earned. 

Long story, Northwest Bank is running a promotion to open their XXXX XXXX checking account, and when you meet certain requirements, you get {$500.00}. I was made aware of this promotion via letter to my house with the code XXXX on it. On XX/XX/XXXX, I used the code and opened the account online. I have screenshots of both the letter and the specific page where you type in the code and click continue. Fast forward to when I met the requirements, which are 1. open by XX/XX/XXXX, 2. direct deposit at least {$2000.00} in 2 consecutive statement cycles within the first 3 cycles. I did this on the first 2 and as noted, opened the account on XX/XX/XXXX well before XX/XX/XXXX. My cycle is on the XXXX or XXXX, so I was due the bonus on XXXX, but the letter says the bonus will be deposited 7 days after the cycle date, so the XXXX. I wanted to double check so I messaged their customer service on XX/XX/XXXX and asked if I did indeed meet the requirements and should be expecting the bonus. The next day, on XX/XX/XXXX, XXXX from Customer Service wrote back that I me the requirements and because the XXXX is a Saturday, I should look for the bonus on the next business day. So I assumed I would see it on Monday, XX/XX/XXXX. It wasn't there. On XX/XX/XXXX, I messaged that my bonus was not there and it's been 10 days since I met the requirements. I got no response and have still not received a response today XX/XX/XXXX. I called a few times in between XX/XX/XXXX and XX/XX/XXXX, and was told by customer service reps that they were told no promotional code was added and they had to investigate. I told them the code I used and that I had a screenshot. They did not ask to see the screenshot. On Tuesday XX/XX/XXXX, I was told I definitely earned the bonus but because the code didn't submit, they have to manually enter it and this could take a week. I pressed for faster action and XXXX said she escalated it to the Managers and that it could be done as quickly as today ( XX/XX/XXXX ). It never came for the next 2 days. Today, I get a call from XXXX on XX/XX/XXXX saying I have to wait and the bonus will be deposited on XXXX. It's lies and lies and they won't write anything down in messages or emails so nothing is tracked. 

See 3 screenshots, the letter with the code, the page I submitted the code, XXXX recognizing I met the requirements and XXXX saying I will be paid. 

They are avoiding or delaying paying new customer bonuses and saying I did not submit the code, which I can not prove them wrong because they don't care to see evidence. Why I think they are being fraudulent is the numerous delays, and 1 main point. If they say they have to manually type in the bonus, and said they will, why does it matter if it is awarded on the next cycle date, XXXX. The next cycle date is irrelevant because the bonus was met on XXXX.
Product: Debt collection

In XX/XX/2018 after over 2 months of my Land Lord failing to supply my apartment with electricity, I exercised my right to vacate the rental property due to the Land Lord 's failure to meet their obligation for warranty of habitability. The Land Lord neither compensated me for the loss of use for the two months, and failed to respond to my numerous requests to correct the situation. Illinois Lease Law allows the tenant to vacate the property due to breach of warranty of habitability after, and I provided my Land Lord with written notice of my intent to vacate the property. The land lord has never received a judgement against me, and sent the unpaid portion of my lease to collections without receiving a judgement. Further the collection agency failed to notify my of my right to dispute the claim, and can not produce proof that I was notified. This is an unfair collection action that is negatively impacting my credit, and harming my ability to get a loan for my daughter 's college tuition.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Student loan

In the fall of XXXX I borrowed {$86000.00} in PLUS loans to help fund my children 's college education. In XXXX I was laid off and late with payments. A XXXX collector said over the telephone that he would stop collection activities if I requested a forbearance. He mentioned no financial consequences during the conversation and offered no alternative payment solutions. 
Due to the economic recession, I took a job for a few years at half my regular salary. I was completely unaware that full interest deferred during the forbearance would become capitalized. I resumed full payment of the loan every month in the summer of XXXX. This month I examined the history of my loan with Navient and discovered {$16000.00} of capitalized interest had been added to my principal balance. I also discovered that over the 9 year history of this loan of {$86000.00} I have paid Navient {$63000.00} in monthly payments. But my current balance is over {$93000.00}. 
Last month I was laid off again so today I called Navient and asked them about lower payment options. Their call center supervisor offered an " interest-only '' repayment option that reduced my $ 750 monthly payment to {$650.00}. This, of course is just as difficult to pay and does not reduce the {$93000.00} balance. 
This family needs relief from XXXX / Navient. To borrow {$86000.00}, pay back {$63000.00} over 9 years, and end up with a {$93000.00} balance should be criminal. To get laid off, and offered an " interest-only '' payment option is making this situation incredibly difficult. 
Thanks for any help you can influence against these lending practices.
Product: Debt collection

XX/XX/XXXX I received an email on my XXXX  account about a decrease in my credit score of XXXX. 

Upon checking my profile I discovered a total of {$290.00} was sent to a collections company called Franklin Collection SV. ( XX/XX/XXXX ) XX/XX/XXXX I contacted the collection agency who advised me an individual opened an account with XXXX XXXX XXXX two years ago in my name and/or social security number. During the past two years the thief paid on time and upon the completion of their term, returned all borrowed hardware. The remaining {$290.00} was an end of contract fee. This account was opened in XXXX Illinois. A location of which I have never lived in nor visited. I have lived in North Carolina for the past 8 years. Once I was aware of the case information I requested the collection case be labeled with a dispute. 

I notified XXXX  and notified them of the case being labeled with the collections agency as disputed. 

XX/XX/XXXX - competed this report for investigation. 

*Note - I was a victim of identity theft prior to this incident. Around XXXX of XXXX in the same location of XXXX Illinois as a result of an account being opened with XXXX XXXX XXXX XXXX XXXX The result of that investigation found me to be in-fact a victim of identity theft and not responsible for the collection case.
Product: Vehicle loan or lease

Westlake management vs Westlake bank. Westlake bank stated that they do not have any business with my car. I purchased my vehicle from us auto which closed abruptly and also filed bank ruptxy. Us auto told me that they were a company to help you get back on track and that if I stayed with their program for a year no missed payments I can be reviewed for a lower payment. The car is breaking down and the engine is no good. They are not honoring any of the warranty. I tried to trade it and the car is valued at XXXX XXXX XXXX XXXX XXXX XXXX in it. I asked for my documents and no one can give me them. I have to speak with people who barely speak XXXX or they speak in a dialect of XXXX. I have been asking for who holds my note., or can the amount owed be lowered so that I can trade the vehicle and then they say they just manage it, they can't make that decision, however I kept paying for this car and I need another one. I am being ignored and ultimately will be forced into bankruptcy or having to give the car back. Theyrepeat that they are just servicers beyond that they have no power. If they can not make decisions on the vehicle who can. Who owns my note. If there is a violation here in my contract which I do believe exists. I would like them to zero out the balance and provide me with the title. The place I purchased the car from us auto filed bankruptcy in US district court. What did the bankruptcy include as I am still paying money to this place that does not exist and holds my note. I want the title as I have paid on time for almost three years. This car has XXXXXXXX XXXX on it and the engine is gone. They have left me with no options, just a bunch of accents behind a phone number associated with Westlake management, which is not Westlake financial
Product: Mortgage

I am a homeowner of 25 years here in XXXX XXXX, XXXX XXXX, Georgia. I am a XXXX senior citizen and have a XXXX veteran as a tenant in my home. My loan was XXXX and later with Ditech as of XXXX XXXX. I had a HARP modification originally and after financial difficulties due to XXXX and additional medication, I have tried to receive another modification with my servicing lender which was Green Tree and later Ditech. I have been denied every modification from Ditech which forced me to seek other modification companies for assistance including filing bankruptcy in order to remain in my home. In XXXX, 2016 I received a new modification payment schedule from Ditech which forced me to seek other modification companies for assistance including filing bankruptcy in order to remain in my home. In XXXX, XXXX I received a new modification payment schedule from Ditech giving me a new account and payment plan to become effective XXXX 2016. Keep in mind, I had no idea they were placing my loan in a modification status until I received this information. In XXXX 2016, I mailed in XXXX, XXXX, and XXXX payment in the amount of {$950.00} for each month and they accepted all XXXX payments. XX/XX/XXXX, I received a foreclosure letter - to foreclose on my property, effective XXXX XXXX, 2016, this notice came from their attorney ( XXXX ) representing Ditech. After numerous calls to XXXX and Ditech, no one ever returned my calls nor was I able to speak with any representative until the middle of XXXX 2016. I was then told by the attorney that represents XXXX, XXXX XXXX, ATTY, " they should have never accepted my payments. '' She instructed me to call Ditech directly. I called Ditech and was transferred to the bankruptcy department. XXXX of the bankruptcy department of Ditech indicated he would send me a new modification application and said I should receive it within 10 business days. To this date, I have yet to receive the modification application from Ditech. At that time, I asked for an audit of my loan. After the 10 days expired, I contacted XXXX XXXX and Making Home Affordable for assistance with helping me to apply for a new modification. I submitted a new application with the assistance from XXXX XXXX on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received a letter from Ditech that my modification was denied because my property has been foreclosed and I was no longer the owner. 

I have enclosed all recent documents from XXXX and Ditech and bank verification of my payment. Also my dated the modification application submitted by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For approximately 2 years I have attempted get XXXX  XXXX and experian to correct their records however this has yet to happen.
Product: Debt collection

For the past 7 years I have been trying to remove a debt on my credit report from XXXX from XX/XX/XXXX. It was a service that I no longer wanted and let go of but no one from XXXX would help me out. 7 years later and XXXX XXXX and XXXX were able to get it off but when I disputed it with experian, they refuse to take it off and tell me that it wont come off until XX/XX/XXXX, which is wrong because this year is the 7th year, I was told this by XXXX ( XXXX  ) and XXXX  ( the collections agency  ) that the debt would fall off the credit report this year in XX/XX/XXXX. The only reason I never paid this debt was because I felt like I was billed incorrectly and when I originally went to go resolve the issue with XXXX no one would help me. Once again, I was able to get it off XXXX XXXX and XXXX   but experian refuses! I have made 3 disputes with them and they still do nothing for me. I called XXXX ( XXXX ) themselves and 2 representatives told me that it would fall off my credit report in XX/XX/XXXX! This is the only debt Ive ever had on my credit file and the only reason its there is because I felt incorrectly billed and no one, at the time, would help me.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention the severe discrepancies I have recently uncovered in my credit report, which have not only caused significant distress but also raised serious concerns about the accuracy and compliance of the information being reported by your agency. 

Upon conducting a thorough investigation of my credit report, I discovered numerous unverifiable, invalidated, inaccurate, and questionable items. These discrepancies not only hinder my financial well-being but also violate the standards set forth by the Fair Credit Reporting Act ( FCRA ). 

As stipulated under the Fair Credit Reporting Act, it is imperative that all information reported on my credit file is 100 % accurate. Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) explicitly state that consumer reporting agencies are obliged to ensure the accuracy of the information they report. Unfortunately, it appears that these obligations have not been met in my case. 

Enclosed with this letter, you will find copies of all correspondence sent to your agency regarding these discrepancies. It is my expectation that you will promptly initiate an investigation into these matters and rectify the inaccuracies on my credit report in accordance with the FCRA. 

I understand that errors may occur, but it is crucial that your agency complies with federal regulations to ensure the fair and accurate reporting of consumer credit information. I believe that by addressing and rectifying these discrepancies, we can collectively uphold the integrity of the credit reporting system.

I kindly request that you acknowledge receipt of this letter within [ reasonable timeframe ] and provide a detailed plan of action for the investigation and resolution of the issues outlined herein. Failure to do so may compel me to pursue legal remedies available to me under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of accuracy to my credit report.
Product: Mortgage

I had a HELOC with Citibank in 2010 that was charged off but no document was sent to me that provided the filed date. I am attempting to retrieve a document with the charge off date as the credit bureau has it incorrect and/or is unclear about the date. I have spoken with XXXX different people in XXXX different departments always being transferred from one person to the next. I have sent 18 requests via fax since Thursday, XXXX XXXX with my information to confirm receipt. I have not received any communication from them from those requests. All I need is a document with the correct charge off date so I can have my credit corrected.
Product: Debt collection

This dept was paid in full. All equipment was returned. This is a second party collection agency that is trying to v cm lecture on a debt that is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISIONor https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any Items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.