23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Graduated from XXXX XXXX XX/XX/XXXX. 
Received notification from XXXX XXXX ( third party lender for books/supplies/software NOT tuition ) I am a Veteran - gain college degree via Post XX/XX/XXXX GI BILL.

For 2 years - XX/XX/XXXX-XX/XX/XXXX went back and forth speaking with the school and XXXX XXXX and could not get a straight answer as to how I owe XXXX $ in Federal Student Loans? 

Lived on and came across XXXX looking to collect same debt, then again a year later Nelnet looking to obtain this obscene amount of money. 

Sent message today to complain to FSA. 



After graduation, I have battled back and forth with, at the time was XXXX XXXX, third party that provided loans for books/ supplies/software. XXXX XXXX showed an astronomical amount I owed ( 20 plus thousand dollars. ). I Contacted the school and XXXX XXXX numerous times to explain how this is possible. My tuition was covered under my Post XXXX   GI Bill. Because I could not get an answer to this amount owed, what it was used for, etc. I chose to carry on with life as best I could at that time. Only response was " You need to contact the school and they should be able to tell you what they used that money for .... '' Time went by and I got a piece of mail from Navient ( which used to be XXXX XXXX ...? ) stating about the XXXX XXXX I owe in " Federal Student Loans '' and need to arrange payments. I was not up to the level of stress this was going to bring. I later came to speak with them, addressing my concerns and they opted for my account to go into forbearance I believe. Currently today XXXX is who has contacted me to start paying. I am speechless on these actions for this high amount to be paid by a Veteran that used his Post XXXX Bill for college tuition to better my abilities but am threatened by this amount to pay. 



XXXX XXXX XXXX Your case has been submitted! Your case number is XXXX. 
Thank you for submitting your feedback. We will respond and acknowledge receipt of your feedback within the next 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my self secure credit card through XXXX XXXX is reporting inaccurately. You have a balance of ( XXXX} ) of being owed and according to my records that amount is inaccurate. 
This account should be listed as ( paid in full ). These accounts appear to be furnished by the same creditor so why is all the provided data different. 
I have attached a copy of ( my credit card statement that proves your balance is in correct ). 

Thank you,
Product: Credit card

In XXXX XXXX I made a {$400.00} cash payment to my Macy 's credit card at department store. I received an email confirmation that the payment was received, as I always do with all payments.In XXXX XXXX, I did not see the payment posted to my acct so I called and they initiated an investigation. I was told I did not have to make any payments while the matter was in dispute and being investigated.I received a letter stating that. In XXXX XXXX I got a letter stating the payment in question was posted to my account. However, I did not see it posted. So again I contacted them and disputed this for 7 months, they refused to honor their email confirmation of said payment and refused to post it to my account. In XXXX my stmt indicated no payment due so I did not make a payment. Not being able to resolve this I had no choice but to pay it again. Later when I applied for a loan I found out they posted 3 months late payments on my credit. I contacted Macy 's again and they refused to remove it. This has affected my credit score and my ability to get a loan. Macy 's has been unreasonable and unfair. Macy 's needs to be investigated, I 'm sure this happens to a lot of people and we just give up trying to fight them, because it takes so much effort and they transfer you around to many departments. Even going to the Executive complaint office was useless. The person I communicated with was XXXX XXXX and she indicates the matter was properly investigated and that a computer glitch caused the email to be sent to me. This is absurd, coming from such a big company with massive computer systems. They should honor their own correspondence. I want Macy 's to refund me my {$400.00} and correct the negative credit reporting. I thing they need to be investigated for unfair practice, in that I 'm sure this has happend to many other people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX invoices were sent
Product: Student loan

On XX/XX/year> I received a call back at XXXXXXXX XXXX from Aidvantage XXXX I requested the XXXX representative to provide me a lower cost for my student loans b/c I couldn't afford the monthly payment I was going to be paying due to financial hardship. She had advised me they could do XXXX XXXX for XXXX & she was going to send the application or to me to fill out & I'd receive it in XXXX. This form came the next day but it didn't mention XXXX in length, XXXX being the XXXX on it. When I reached out via chat & spoke w/a rep named XXXX, XXXX stated they can only do XXXX. I asked her to put me on that for now, but I want to speak to a supervisor as I want what I was promised verbally on the phone yesterday & that this is now a highly illegal 'bait-and-switch ' scheme. I even instructed XXXX XXXX to have her supervisor listen to the call yesterday as it would show that I was indeed promised the XXXX XXXX for XXXX XXXX XXXX then told me I can't speak to a supervisor over the phone & they do chats only. This is absolutely horrendous albeit illegal what this loan servicer is doing to me & I'm also considering legal assistance if I can not get what I was verbally guaranteed on the phone from the female representative on XX/XX/year>. After waiting a few moments online, XXXX disconnected & ended the chat & I never got the chance to speak to a supervisor.
Product: Credit card

I applied for a Lowes store credit card, which is managed by Synchrony Bank. I applied with a credit score over XXXX, a long and perfect payment history on all credit, and XXXX credit card debt. Synchrony Bank inexplicably denied my application. I have spent hours on the phone with their customer service team and absolutely nobody is willing to provide any explanation whatsoever. They even tried lying to me and telling me that the decision of whether to give me the store card is actually made by XXXX, not Synchrony Bank. When I called them out on this, they said I should contact my local Lowes store. This inexplicable stonewalling has cost me hundreds to thousands of dollars as I am relying on that store for a home renovation. This company has no accountability and is apparently engaging in arbitrary or discriminatory practices.
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 as a consumer. 

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states that as a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Was approved for Trial modification XXXX payment due XXXX, soke with mortgage servicer customer service verified XXXX trial payment received XXXX XXXX  XXXX XXXX Was told by customer service Wells Fargo Mortgage foreclosure was canceled in their system but the Foreclosure attorney still has my house set for foreclosure XXXX XXXX, XXXX. 
Also was told by Wells Fargo customer service XXXX  ID # XXXX Wells Fargo has no control over foreclosure attorney action regarding foreclosures.
Product: Debt collection

In or about XX/XX/2020, I disputed the entry from XXXX XXXX   with Equifax. Equifax stated that their investigation proved that he debt was mines, but Equifax never provided me with validation information concerning this debt. So, I sent a certified letter to XXXX XXXX  requesting validation of this debt in the amount of {$200.00} in or about XX/XX/2020. However, it has been over 30 days, and XXXX XXXX   never validated that debt on my credit report.
Product: Credit reporting or other personal consumer reports

My credit reports from all companies contains old information I contacted the companies and requested proof of debt I was told the already reported that the time had passed and it should be off my credit report. I tried disputing with the credit bureaus and it was not done. Preventing me from getting better rates credit increases etc.
Product: Debt collection

I reached out to this company to dispute this alleged debt. Over two months ago and STILL HAVEN'T received a response. Although I did notice they signed for it because it was sent through USPS Post Office certified mail. They have placed a debt as a charge off on my credit and are using deceptive business practices because they're ignoring my dispute! I disputed this account under Section 809.
Product: Credit reporting, credit repair services, or other personal consumer reports

bought a car on XX/XX/XXXX, and I received a letter from XXXX XXXX on XX/XX/2018 stating they were changing the terms of my loan due to a credit reporting agency called XXXX XXXX XXXX who has reported false information on my credit, also I have not given any authorization to this company to have rights of reporting my personal credit business and choose to opt out there companies data base.
Product: Debt collection

I am not paying this debt, it is not owed by me!! XXXX XXXX gave me horrid service while with them and cancelled my insurance without notice while I was off work on unpaid medical leave and had and still have XXXX XXXX  due to XXXX XXXX XXXX. I have had no income for 6 months and do not know when I will be released to return to work! I have no intention of paying them anymore money anyway the continually lied their heads off and increased my premiums constantly for no reason. I have only have no tickets or accidents!! You can deliver the attached Cease and Desist letter and if they continue to harass me I will sue them!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is with Equifax - my data was compromised and now they wrongfully made me consent to an illegal agreement to give up my rights by forcing me to find out if my information was compromised. This practice should be stopped immediately.
Product: Credit reporting or other personal consumer reports

I FILED A COMPLAINT ON XX/XX/year> TO XXXX, XXXX AND EXPERIAN REQUESTING THAT THEY VALIDATE A NUMBER OF ACCOUNTS THAT I BELIEVE ARE INACCURATE AND THESE COMPANIES ARE NOT COMPLYING WITH THEIR OWN POLICIES IN A TIMELY MANNER.
Product: Debt collection

Communications are being sent to family members by XXXX XXXX from Advanced Recovery Group. 

Specifically, the following message is being sent : XXXX from Advanced Recovery Group contacting you on behalf of our client XXXX, regarding your business <business name>. Your account is in legal status. I sent you an email at <business email>. You can call me at XXXX Contact Information for XXXX XXXX XXXX XXXX AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX. Transunion. XXXX. 
All of them are responsible for ignoring federal directives regarding student loan payments during a pandemic. 

If the GOVERNMENT says no one can collect during this time, then that means, the reporting companies shouldnt be reporting negative information. 

This began last year and has been extended through 2021. Why are these credit bureaus so eager to defy the very system that allows them to exist? 

Stop reporting their reports. Its not even any payments due right now. I checked the regs and I dont have to ask for the forbearance. It is given to anyone in these times. 

They are literally defying the federal government and have ignored or rebuffed my attempts to remove this negative information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I took out a car loan with XXXX XXXX for a XXXX XXXX XXXX when I had a previous job, however by XX/XX/XXXX I reached out to XXXX  to tell them at the time I lost my job and needed assistance. XXXX arranged deferral which kept extending the dates on my loan which they claimed was a good practice on top of which I found later they were still billing me late charges to the loan which kept being accumulated from the date of the initial late as such XXXX end up charging me over {$5000.00} in extra fees not agreed to in my initial loan agreement. 
This predatory behavior continued culminating at its peak at XX/XX/XXXX, when while I was in talks with XXXX they repo my car illegally, while I had made a payment through their system of the balance owed. It took me 3 weeks to get my car back and on top of that they tacked on over {$1500.00} in additional fees. XXXX through the life of my loan continued to act unethically, going against out initial agreements and adding 30 day lates to my credit even though I would call them and they would have agreements with me on file. 
On XX/XX/XXXX after getting notification from the Florida attorney general and calling their office, I was navigated to the website : https : //santandermultistateagsettlement.com/Home where I have come to now realized how XXXX has taken advantage of me and so many others across the country and I need my situation to be resolved. I contacted XXXX in XXXX to notify them of the issues first letting them know it was almost 3 years since I had needed any sort of help and I was timely if they could do a goodwill and help me resolve the issues ... however I was given no helped. 3 weeks after this I decided to now take the the legal route as alluded to by the Florida Attorney General 's office. Its been over a month and nothing has been resolved. Hence I am taking my issue first to the CFPB to get a resolution with XXXX  before I escalate this matter any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX  Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from XXXX  regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX/XXXX  XXXX never late XXXX   XXXX inaccurate/not mine XXXX  XXXX XXXX XXXX never late How is XXXX  able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
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. 
XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two fraudulent accounts from Capital One Bank USA # XXXX in the amount of {$1100.00} & {$1100.00} that were disputed and removed from my credit report. They are now back on my credit report after my dispute was resolved and debts were removed. Per the representative at XXXX  they stated that Capital One Bank USA unblocked the debt and XXXX  has no way of re-blocking the debt back. Which is odd because XXXX   have the ability to unblock and block accounts. Per Capital One they are stating the accounts belong to me due to a fraudulent address and number that was provided to them by XXXX  that the account belongs to me. 

The Capital One accounts are fraudulent. I have NEVER lived at XXXX XXXX XXXX XXXX nor have I had a phone number as XXXX. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore Capital One needs to please provide me with a copy of all the following : An explanation of what this alleged account balance is for.

A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

Documentation showing I agreed to pay this debt The Agreement that grants you authority to collect on this alleged debt.

A copy of your state license, including license number.

If they can not validate these debts ; then these accounts will need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give any kind of Consent to anyone to open these fraudulent Accounts I'm a victim of Identity Theft and now these Accounts are being sold to Creditor which is totally Wrong. This is not right!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as such, I request that the following accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). The information associated with these accounts is no longer authorized and should be removed from my credit report immediately.

The following inquiries have been identified as a result of the data breach, and I request that they be blocked and deleted from my credit file : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Though these credit bureaus have been notified they're reporting inaccurate information they still continue to do so and have not been given MY permission to furnish this inaccurate information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance reflecting on my credit report is showing current balances due for each XXXX account. If the balance is no longer being pursued why is there still a current balance due. I have filed the 1099c on my taxes. So technically the balance on my credit report should be XXXX because i have absorbed that on my taxes as income.
Product: Money transfer, virtual currency, or money service

Try to stop the unauthorized XXXX  payments made by my XXXX XXXX XXXX, Bill Pay arrangement - was made by PNC Bank - to deliver my monthly fee payment of {$370.00} and semi- annual {$500.00} " Special Assessment '' payment on XXXX, XXXX, and XX/XX/XXXX ; respectively. For 2024, the payments would be {$400.00} monthly and {$1200.00} annually. 

My XXXX XXXX kept claiming " STOP PAYMENT '' and " REMINDER NOTICE & LATE NOTICE '', sending statements of penalties for a total of {$210.00} of which {$85.00} for non-authorized service, and {$120.00} for late payment by PNC Bank. 

By initiating the Bill-Pay arrangement, first of each month for the monthly payments, and first of XXXX and XXXX was instructed as scheduled dates of remittance. Due to the observed breach of those date I was forced to make an alternative date ~7-10 days earlier to ensure delivery on time and to avoid delay. Still that hasn't worked for PNC Bank. Hence, I find the PNC Bank is responsible to pay for these penalties ( {$120.00} ) -which they refused commenting that say its quote " Resolved, '' meaning that the consumer has to pay it. I find that to be unjustified.