23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX  XXXX lost the phone some stole it and was calling out the country this situation been hurting my credit also I got a car that didnt even make the year it was a limon it was a XXXX charger I also got a XXXX XXXX XXXX that got missing in front of my house I had XXXX I was sending money and the account froze saying that the money was sent twice. these things hurting my credit account
Product: Debt collection

I reviewed my XXXX account and noticed the debt as a collection on my report under the name Vance and Huffman LLC as well as their name as the original creditor. I have never contacted that company nor have I ever done business or signed any documents with this company. I contacted the company 3 times where they keep saying the debt is mine but when I ask for validation they have refused to reply when I have already submitted it more than 30 days ago. 

XXXX XXXX has taken their word for it and have not asked for more validation. And that is hurting my credit score and causing me severe hardship. 

My identity was stolen in XXXX  and I submitted those documents to several of the credit agencies to remove anything that is not accurate. However this company refuses
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters, disputed, called and notified my credit bureaus that this is a result of identity theft. My wifes ex sister in law was staying at our house when we were out of the state and this was opened and had access to our bank account cards. My XXXX email was hacked and breached and to my understanding was used to correspond with this company. My wife and Is phone were hacked and flashed for our number and it took getting new phones to resolve this. We had to stop payments on this when my wife balanced the check book and realized money wasnt balancing and there were multiple withdrawals for this including having to get new cards and accounts etc. Its my understanding also that the address used was XXXX XXXX XXXX XXXX but we moved in XX/XX/2018 to XXXX XXXX XXXX XXXX and utilized our XXXXXXXX XXXX XXXX account. Its my understanding that the calls on the original loan have voices from multiple different people. This loan shows refinanced and it was my understanding that this was to be closed and removed but it looks like someone got to run off with the money and I did not take this loan with my knowledge or consent. The contract I have seen only once stated interest in the amount of something like 188 % which I dont believe to even be legal. They are stating I owe {$2500.00} to them and this is a result of identity theft. I just recently learned my rights and have asked them to remove this after the XXXX account and XXXX breach along with my drivers license and wallet being stolen from me at work. I have had multiple loans with my credit union and would never need a loan with this insane interest which is predatory to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXXXXXX Balance : {$2400.00}
Product: Debt collection

I am being severally harassed XXXX times a day by Toyota financial on my car payment once it hits past due even before the 10 days. I have told them months ago that I would have to pay late due to financial hardship and was working on getting back on track and would never be 30 days late. Every month since I get repeated calls daily I have talked to 4 reps since and told them stop calling me and that I will, and or have scheduled the payment and what date I would pay. I just got off phone after calling Toyota today because they called me from an XXXX are code Illinois number at XXXX in the morning after my payment already processed in my bank and taken out money. Then I tell them not to call again and they call me right back after I told them I was recording the phone call. Also have a recorded conversation from the last guy who was very disrespectful. This company is relentless and causing me severe stress after I have explained my situation and my reason and when I would pay and they do n't care. I feel they have violated the FDCPA repeatedly. My picture screen shots show harassment even after payed and not even late. This is XXXX pages from just month of XXXX. Does n't count every single month my phone ca n't hold that much harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year I have been trying to establish an online account with Equifax so I can monitor my credit records and to be able to control my credit freeze. When I tried to sign up for the first time, I did so from my girl friends house ( and from her IP address ) because I had gone into quarantine with her do the Covid 19 pandemic. So Equifax subjected me to a list of personal questions that from where I was staying I was not per paired to fully answer at that moment. Also since I was trying to keep my personal and business matter separate, I gave them my personal email address instead my business email witch Equifax happened to have had my business email in there records as being my official email address. So do to all of this, Equifax was not able to verify my identity online and as a security measure they sent me a letter with a code by mail to my home address in XX/XX/XXXX to verify me and that I truly lived at the address listed in there records. This was understandable and is a precaution I would normally appreciate, but unfortunately since I was in quarantine away from my home, I was not able to immediately respond to there letter in a timely manner, Yet I was able to get home and enter there code on-line as requested in that latter at least 2 days before the code expiration date, witch was in XX/XX/XXXX. But regardless Equifax has refused to grate me access to my account online. I had then called them and they told me that what I needed to do was to send them my IDs and some proof of residence. Since then I have repeatedly sent them what they had asked for and more then they had asked for to prove my ID and where I live. But I have never received an email or any other response from them instructing me as to what to do next to complete the online account set up. So I have call them repeatedly and every time I do, they keep claiming that they had never received any documents that I had sent them. 

I had sent them my : Passport Social Security Card Voter Registration Card an email Bill a maintenance fee Bill for my time share. 
And as of XX/XX/XXXX I had added my birth certificate and a brand new non driver license. 

I have sent them my ID 's in : Early XX/XX/XXXX Mail and Fax Late XX/XX/XXXX Mail XX/XX/XXXX Mail XX/XX/XXXX Mail And in XX/XX/XXXX I contacted a Lawyer to see if it was necessary to start legal proceeding against Equifax. 
They Sent a letter on by behalf, along with my IDs yet again, to try to get Equifax to understand the seriousness of the situation, but yet again Equifax has not responded to them or me. 

Both my lawyer and I have sent these documents to the address they had told me to send them to over the phone, with is : Equifax XXXX XXXX XXXX XXXX XXXX. 
XXXX Georgia XXXX To make this situation more complicated, I am in the process of Moving form my XXXX XXXX XXXX To my New Address witch will be in XXXX XXXX. ( addresses furnished on request ) I should be able to receive mail at my old address for at least a month more.
Product: Credit card

I have been a credit card member with Bank of America since XXXX. I have never missed a payment ( still havent, despite this current issue ). Last week on XX/XX/XXXX I tried to make an early payment with a different bank account than I normally use to pay. This account is a savings account, and I had gotten it all set up and linked and I was able to make my payment as usual to my Bank of America card as well as my XXXX credit card. I later noticed on XX/XX/XXXX that my savings account was showing the payments would be reversed. I contacted my bank to see why they were reversing my payments and they informed me that they dont allow payments to be made from savings accounts. I figured no big deal since these payments I was making were early anyway, and my {$35.00} minimum payment with Bank of America is not due until XX/XX/XXXX. So, I went back into my Bank of America account to switch back to using my usual checking account to make the payment, and discovered that Bank of America has blocked me from making any payments until I call them. I called ( on XX/XX/XXXX around XXXX ) and spent a half hour or more attempting to get my payment option unblocked and I was told it may take up to XXXX hours for me to be unblocked. I waited XXXX hours and I am still not allowed to make a payment. So, I called again this morning and had to go through multiple people to get to someone who told me its actually going to be XXXX days and Ill need to wait until XX/XX/XXXX ( which is XXXX  days, so Im still confused ) to be allowed to make a payment. They could not give me a reason as to why they cant just give my access back now considering my perfect payment history and having never had a returned payment before this, other than thats just our policy. Yes, I could make a payment over the phone, but I dont see any reason I should be locked out for this, especially for such an extended amount of time. This could have potentially caused me to miss a payment for the first time ever in my entire XXXX year credit history if I had been closer to my payment due date and unable to get ahold of someone. Also, my XXXX XXXX gave me ZERO issues. XXXX showed the payment as returned, my balance went back up, and I switched back to my regular checking account to make the payment again. If it wouldnt affect my credit history I would leave BofA over this.
Product: Credit reporting or other personal consumer reports

The company that I am filing the complaint is called " MOBILOANS ''. There is a Mobiloans account on my XXXX report that I was not aware of or heard of. I am a victim of fraud identity/thief. They or someone have used my information and applied for a line of credit. I have never heard of this company before and have never applied for a line of credit with this company. I need to report this as a fraud/scammers company and have it removed from my credit report immediately as it is affecting my credit score.
Product: Student loan

Between XXXX and XX/XX/XXXX, my payment amount changed drastically. I called Navient and spoke with a rep as I went online to my account and my payment was increasing from XXXX which was auto debit, therefore I was never late, to about XXXX per month. I was told this was due to the program for that payment ending. I was told, it was only supposed to be for XXXX years and I had exceeded this time frame. I explained that I could not pay this amount and asked if there were any other programs available, and I was told no there were not, I was no longer eligible for any repayment options besides the aforementioned and I could check back to see if anything new came up. I called back I think during XXXX, and was asked for a breakdown of my monthly finances ( the rep said, I should have XXXX amount of money left based on the information I gave ), and I did not. As of XX/XX/XXXX, I am XXXX  months behind as the company transferred my loans to XXXX, and placed some form of natural disaster forbearance on my loans that seemed to cover the time that I was initially behind ( XXXX to XXXX ). I also asked about refinancing and was told that Navient does not refinance private loans. The interest rates on the XXXX loans that I have are between XXXX and XXXX %, which is very high in my opinion, and are setting me up to have to pay these loans for the rest of my life. The interest alone on all three is exceeding the original loan amounts.
Product: Checking or savings account

Due to a software upgrade Truist has restricted my checking and savings for at least 2 weeks. I have had this account for 18 years. I have been to a local branch and called customer support. Due to this I am not able to access funds to pay my mortgage, car, health insurance premiums or dental insurance premium.
Product: Vehicle loan or lease

XXXX vehicle was paid off, GMC Financial was contacted in XXXX because the lien release and title was not received, was told it was on the way, never received, I then called my county clerk to ask if they received a title release they confirmed they had not. I contacted GMC again in XXXX was told it would be resent again no docs were received. I then put the car in storage and did not get back tO this issue during the COVID pandemic, now tHe vehicle has been in an accident and insurance company has declared it a loss, on XX/XX/XXXX I reached out again to GMC they confirmed no monies were owed, I was to use the website get my title but was told my account could not be found I contacted GMC again, I was put on hold for over an hour, again told it would be processed and it would take XXXX days that was on XXXX contacted GMC again on XX/XX/XXXX on XXXX calls lasting over XXXX hours only to be disconnected, put on hold for an indefinite period I finally reached a customer service person Named XXXX, she says she has requested a copy of the XXXX XXXX, she connected me to her supervisor XXXX I left a message with no return call, I have not been given any cause for this issue and do not know what else to do to compel GMC to release my lien and provide title. I even offered to pay XXXX  charges to have the documents sent to no avail.
Product: Debt collection

Ara financial at XXXX is using tactics to try and trick you into opening up a debt after SOL has passed and all the above
Product: Credit reporting or other personal consumer reports

I contacted XXXX towards the end of my XXXX forbearance period and was told theyd contact me when it was time to pay. I ended up needing to pay a lump sum because they never got me my paperwork and erroneously put my mortgage in default. My credit report shows as 180 days late for XX/XX/2023 but on time for every other month. They also tried to increase my payment by XXXX dollars a month by claiming my annual water bill was monthly and I needed to clear that up. I made the payments on time and rectified the issue but am still being reported inaccurately by a company that has a history of inaccurate reporting and has been penalized for kickbacks.
Product: Credit reporting or other personal consumer reports

In according with Fair Credit Reporting Act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Account name : XXXX XXXX XXXX Account number : XXXX 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 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 annotates the report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my second attempt at getting errors on my credit report fixed on my credit report. I contacted Transunion, previously explaining that I see some serious errors on my credit report. They " claimed '' they launched a reinvestigation but the reinvestigation did not fix the errors on my credit report. The accounts weren't even notated as have been disputed, so I seriously doubt that a reinvestigation was done on my behalf please correct these errors as soon as possible.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX from my Coinbase account to fraudulent investment firm ( s ). 

My coinbase wallet allowed full control to a third party app, I tried contacting Coinbase through phone and creating tickets and I never got any response from them.
Product: Student loan

Discover Student Loans recently changed its software program. As a result, the company did not migrate auto-pay and banking information for its customers to the new system. I did not receive notice of this until I logged on to my account on XXXX/XXXX/XXXX and saw that the payments for XXXX and XXXX XXXX had not been processed. I called the company that evening and they advised me of the software change. 

This loan entered repayment in XXXX XXXX when I graduated law school. I have made nearly eight years of timely payments. When their software deleted my auto-pay details, XXXX took away my on-time payment rate reduction XXXX 0.5 % ) and my auto-pay rate reduction XXXX 0.25 % ), which raised my interest rate from 3.5 % to 4.25 %. The representative could not guarantee that I would be allowed to have these reductions back, despite my years of on-time payments. 

I can only imagine that XXXX did n't undertake the likely simple process of migrating auto-pay information from its old system to its new to be able to take advantage of higher interest rates, late fees, and penalties from its customers. Fortunately, I noticed the missed payments before being assessed any late fees or penalties, but I 'm certain many others will not notice in time. The company told me they begin assessing fees and penalties after an account is 60 days delinquent. 

I would like my rate reductions restored, as I believe the company engaged in this practice with the intent of raising rates and assessing penalties and late fees.
Product: Debt collection

I had experienced fraudulent use of my credit card for XXXX, and my XXXX XXXX card. I was able to get the banks help with the Visa but got no where with XXXX XXXX XXXX XXXX. 
I moved from XXXX  to XXXX  during this time and then found out XXXX XXXX sold the account to Portfolio Recovery Associates, LLC, and the amount they wanted was now much larger. I pleaded my case and was able to reach an agreement. I would pay {$1900.00} that day if they agreed to report the account settled. They agreed. I used my bank account debit card to pay them. But it still shows up as an unpaid account. This was about 6 months ago. Since then I can't get in to see my Credit Report, I get to one point and then it throws me off, that's another problem for another day. But since I am applying for a home loan, I'm hoping this is no longer on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. CODE {$1600.00} CORRECTION OF BILLING ERRORS 15 U.S. CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS According to these 2 codes there should not be any late payment reported on my credit file I am demanding my credit file be updated with the proper account status of up to date
Product: Debt collection

I had a car loan with XXXX XXXX XXXX where I paid on time until my car was involved in a car accident, my primary insurance company paid as well as my XXXX XXXX, leaving a balance of {$500.00}. The original creditor XXXX XXXX XXXX sold the balance to a collection agency which was XXXX XXXX, and I paid it and have sent proof this account has been paid. They later sent it to Spring Oaks Capitol to collect and I have contacted them numerous times showing that this debt has been paid, and they keep saying that they aren't getting the proof that I'm sending, or they can't read it.
Product: Debt collection

I received a letter from LTD Financial services in XX/XX/2018 regarding a debt that I do not recall and I responded with a letter requesting validation. I never received any information from the company. I received another collection letter today offering several payment plans, still no validation of the debt. I am now sending them another letter with a copy of my XXXX letter to inform them that I have reached out to report them. I reached out to FTC and it brought me here for this complaint. I have attached both letters I have sent and the letter I received today from the LTD for reference.
Product: Credit reporting or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Inaccurate Reporting Dear TransUnion, I am writing to formally address a serious concern regarding your recent handling of my consumer report and the lack of compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681n, which pertains to civil liability for willful noncompliance. TransUnion I noticed that your company has displayed my closed account with XXXX XXXX XXXX as a charge off on annualcreditreport.com This account has been reported inaccurate for over 1 year. But When I sign into the TransUnion app my account is listed as Paid, Closed, paid as agreed with remarks SETTLED -LESS THAN FULL BALANCE -CLOSED. TransUnion you are in violation of the FCRA for inaccurate reporting of my account. If this account isn't removed within 5 days of this letter I will pursue a civil action lawsuit against your company for reporting inaccurate information on my credit report. 

I have previously contacted your office regarding discrepancies in my credit report and have yet to receive a satisfactory resolution. Should you send me another stall letter without addressing my concerns, I will pursue legal action against TransUnion for the willful failure to comply with the requirements imposed under the FCRA. 

As stipulated in 15 U.S. Code 1681n, I am entitled to seek damages for any harm caused by your noncompliance, which includes actual damages sustained or a statutory amount of {$1000.00}, whichever is greater. 

I urge you to take this matter seriously with a quick response to resolve my concerns. I expect a detailed response addressing my issues. 

Thank you for your immediate attention to this matter. I hope to resolve this issue amicably and await your swift response.
Product: Mortgage

In XXXX of 2021 I sold my home and paid off my mortgage with Service First Mortgage. I have been trying to get my escrow disbursement ever since. We have already had to have one check canceled because it never arrived. Servicce First keeps telling us the check is in the mail but we have yet to see it in all of these weeks. Mind you, we have received several other items of correspondence from service first and none of them took more than a week to reach us. Service First refuses to send the check any other way than snail mail. They refuse to put a tracking number on it. I want my money!