23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I am receiving harassing phone calls at my place of employment two days after the due date which is on the XXXX of each month. Approximately early XX/XX/XXXX, I had a setback and was not able to make my payments on time. My payday is only once a month on the XXXX. I spoke with " XXXX '' and she stated she will place the note in the " system '' so they will know. Each month, I still received the same phone calls regarding the late payment and reiterated I was not able to pay until the XXXX. In XX/XX/XXXX, I received a note from my employer that the company left a message for me to contact them. I returned the phone call and requested they do not call my place of employment because of the nature of my job. I spoke with " XXXX ''. She said she would make note to not call me at work. I also mention to " XXXX '' that it should be noted I would make payment on the XXXX as well. She said she did not see the note but would place it in the " system ''. The calls continued for XX/XX/XXXX and XX/XX/XXXX from " XXXX ''. In XX/XX/XXXX, I received a message from my employer that " XXXX '' called me from XXXX XXXX. This is not the creditor however from the number, I recognized it was the XXXX XXXX. I called to speak with " XXXX '' and she was extremely rude, telling me I should be more responsible and professional because of my job title. She said she did not see any messages about not calling my employer or my arrangement to pay on the XXXX and that I did not tell her this information so it did not matter. I stated I should not have to speak with everyone in the office to make the arrangement. Although, it does n't seem to help anyway because you all call and harass me every month. My balance is only {$170.00}. I do n't understand why harass and bully someone for small amounts. I am making this complaint for the harassment I am receiving from this company. Many of my friends and family members who have had business with this company in the past stated that is why they do not take out loans with them anymore.
Product: Credit reporting

I do not open a credit card or anything else in the name of XXXX XXXX XXXX. I want this removed from my credit information. Please investigate and see who opened that fraud
Product: Debt collection

I called to pay they said they didnt have it went to another agency I asked for a recall letter showing no longer there they denied sending any letter I disputed with XXXX  and they verified I still owe but company still states they dont have the debt
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 u.s.c. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX 15 u.s.c. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c. 1681 section 602 A. States I have the right to privacy.

15 u.s.c. 1681 c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information. Other than records of convictions of crimes which on dates the report by more than seven years.

15 u.s.c. 1681s-2 ( a ) ) 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

My complaint is with Experian, XXXX and XXXX about an account on my credit report listed under XXXX XXXX. The bureaus are damaging my character and an overly burdensome task to have this rectified. I have never owned a XXXX vehicle and never made any late payments. I have worked with XXXX XXXX and sent many letters asking them to provide documentation that they are using to confirm the account is mine, and that i had made said late payments. I request this account be removed from my credit report if they can not provide requested proof/documentation. I have rights under the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding their continued willful and negligent noncompliance with my requests. I pray for relief from this overly burdensome mark on my credit. I certify that this said vehicle was never mine and I never made late payments to XXXX XXXX.
Product: Student loan

I owe about {$120000.00} from XXXX to XXXX to attend a fraudulent school.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

This company Key 2 Recovery has been calling me at work on a daily basis for weeks. I have told several of their collection agents that I can not receive any type of personal calls at work and instructed them to remove the number. They have refused and keep contacting me. On XX/XX/XXXX, I spoke to XXXX and instructed her to stop calling me at work and to remove the number. She said that she was removing my work number but on XX/XX/XXXX the calls resumed again and I was contacted by XXXX. I AGAIN told them again that I can not receive any types of personal calls at work and instructed them to remove the number. On XX/XX/XXXX, I was contacted once again by XXXX and told her empatically that I can not receive any types of personal calls at work and instructed them to remove the number once again. She instead wanted to dispute that I didn't want to pay a {$4200.00} debt from a college that I stopped attending in 1999. I told her that I did not even know know if the debt bellongs to me or if it's even valid and it's 20 years old and has not appeared on my credit report.I again repeated that I can not receive any types of personal calls at work and instructed them to remove the number and she continued debating about the debt and I hung up on her.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I found XXXX XXXX to show a lot of inconsistencies. According to the FCRA my report should be 100 % accurate. The account number is different across the three bureaus. Date opened, date last reported, date last active and date of last payment all have inconsistencies. Please correct all these errors or delete the account.
Product: Mortgage

Over a year ago when I first took out my mortgage with Citizens, I set up Autopay to process my monthly mortgage payments. That worked well for approximately twelve or thirteen months. Citizens has unilaterally changed its websites, which appears to have resulted in disabling my Autopay. For the last several months, I have been told that payments have not been able to be completed due to Insufficient Funds, yet this is totally inaccurate. I have received several delinquency and foreclosure notices. I am also being assessed hundreds of dollars worth of penalties and late fees. 

I have always had more than sufficient funds in my account to cover my monthly mortgage payments. Now, with its new website configuration, Citizens includes no contact information or any way to speak with a live person to resolve the issues. I have confirmed this despite countless hours on Hold, with the same nonsensical statements that there are longer than usual wait times due to high call volume. Instead, I am forced to route through automated online or phone payments and am only provided with an automated option to pay amounts that include the wholly inappropriate late fees and penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Don't know who Credco, or CoreLogic is, nor have, or did I sign, any agreement, or authorization, or verbally authorize for them to run my credit on XX/XX/2019! Nor can they provide any type of documentation stating so.
Product: Vehicle loan or lease

My husband and I went to several car dealerships to request for a car loan, to get a used car. However, according to their credit requirements unfortunately my credit score was insufficient for the car loan approval.
Product: Debt collection

I understand the importance of removing any incorrect accounts from my credit report according to FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem inaccurate, which worries me.
Product: Credit reporting or other personal consumer reports

I told them that XXXX XXXX account was i identity theft on XX/XX/year> that the account did not belong to me the problem was not solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous documentations showing my current address and employer and name. Yet old information and incorrect names remains on my Credit report.
Product: Money transfer, virtual currency, or money service

today XX/XX/21. I sent XXXX XXXX  ( stellar ) coins from my Coinbase pro account, worth over XXXX dollars at the time of incident, to my regular Coinbase account. The accounts are linked and I send coins/money back and forth all the time and never had an issue. When I sent them today, I did not get a transfer history, confirmation email, zero notification that the coins were sent from one Coinbase account to the other. The coins are gone in both accounts. XXXX  is supposed to be very secure. But this happened in house. Was not trying to send coins off Coinbase. Contacted Coinbase 3 times today via email and theres no live person to answer the phone. I was also locked out of my Coinbase pro account all day.this happens at XXXX XXXX. I finally got back in at XXXX. When I got back in the XXXX coins still appear to be in my XXXX wallet, but my account balance is at XXXX, and the amount the coins are worth are posted on orders. The only way they price of the coins should be posted on orders is if I set up a limit order to sell all XXXX on to the open market. I did not do that. I just was trying to transfer them into my regular Coinbase account.I never had a problem like this and I referred friends and family to Coinbase. I understand Im not the only one who had money disappear from their account today. And def did not lose as much as others. But its principal. I was relying on that money today. And this situation left me with my heart in my mouth. Im really hope Coinbase will help me after reading this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX violated my right to privacy. XXXX XXXX disclosed my nonpublic personal information to nonaffiliated third parties. See attachment delivered to XXXX XXXX on XX/XX/2022 at XXXX am, delivered by USPS confirmation # XXXX, regarding account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a rental property and, they used Equifax to complete a tenant screening. The credit agency included false criminal information in my record that didn't belong to me. There were multiple cases that weren't mine, the people that were involved shared the same name as me. This type of confusion causes a lot of problems when applying for rental properties and etc.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i do not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they did not provide me with the original application like i asked.
Product: Credit reporting or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX  XXXX XXXX Balance : {$970.00}
Product: Credit card or prepaid card

Concerning BBVA XXXX XXXX  Visa, I have been trying to close my account, and have my credit amount check mailed to me for app. 3 months. 
The website does not offer an email to conduct business. 
The service department phone number has a wait time of over an hour. Waiting that long, presents a high probability that a person will miss when the agent is ready. 
I have sent a request via mail, but have received no response. 
Their chat line says they are not authorized to conduct that level of business, and suggests calling. 
BBVA.com Thank you! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX is reporting a repossession on my credit reports that is not accurate. The address on a repossessions XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX. Ive never lived there. I live in XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX as youre about to see, Im gon na upload my ID with the address on it along with the Fraud affidavit. This needs to be deleted I put order information on the fraud affidavit. Theres no reason why it shouldnt be deleted or else else I will sue the credit bureau due to the violations report an accurate information without my knowledge
Product: Credit card

Goldman Sachs Bank USA refused to allow me access to the Apple Card after I reported that my purchases with XXXX ( also doing business as XXXX  ) were authorized by me. Goldman Sachs Bank USA is also refusing to update their tradeline with XXXX, XXXX, and XXXX about my recent payment that would have typically been submitted by Goldman Sachs Bank USA on or by XX/XX/year>. 

I believe I'm being treated differently by Goldman Sachs Bank USA than their other credit card customers.
Product: Debt collection

Received a call from XXXX that was related to claim # XXXX that was being filed in XXXX XXXX Texas. This was relating to an account from 2017 and this is the first communication i have received from them. The message left on my phone was threatening to contact my employer and supervisor directly to discuss this. I called the # and spoke with them and they said they wanted immediate payment of {$1000.00} to settle or they would proceed with contacting employer. I told them I disputed debt and it was settled in 2017 and they are to stop all communication and also they would violate federal law if they contacted my employer. They didnt care and would not share the name of the company she was calling me from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked at my Credit Report and XXXX XXXX is reporting on Credit Report for a total of XXXX. This account is old
Product: Credit card or prepaid card

I typically have no problem with credit cards because 1 ) I am a high income individual 2 ) with a relatively high credit score and 3 ) almost no debt since I have a paid for house with no mortgage or rent expense. I have an extremely low available credit on my Wells Fargo Visa card. My credit limit is only {$4000.00}. I have contacted the bank on multiple occasions in an attempt to raise the available credit on this card. However, I believe that I am a victim of XXXX discrimination. As a person of middle eastern descent I am offended at the corrupt business practices of Wells Fargo. The bank consistently engages in unethical disclosures that are misleading. When I provided my income information to the bank I was immediately offered a {$1000.00} increase in my available credit. However, I refused this offer. This was significantly less than my requested increase in the credit limit. I was told that my information would be sent to another department to review my request in order to secure a more significant increase in the available credit. I was told to call back in 2 hours. Unfortunately, when I called back in 2 hours I learned that the bank ignored my request to have a significant increase in the credit limit. Wells Fargo ignored my request and simply increased the available credit by an unacceptable {$1000.00}. I am constantly asked to navigate the banks inefficient and unproductive voice mail mazes only to be disappointed with term conversations with incompetent customer service agents. The last customer service agent told me that he was " making a note that I requested someone from Wells Fargo call me ''. When I asked when a Wells Fargo representative would contact me, he confessed that no one would actually call. He confessed that he was merely " making a note '' in my account. The Wells Fargo representative eventually agreed that this comment was misleading. It seems reasonable that his comment indicated someone would contact me. I am extremely upset that Wells Fargo does not value high income individuals that don't happen to be traditional rich white men. I am tired of the constant scandals and lies from Wells Fargo. I expect to be treated better. The bank needs to contact me to discuss my request to have my credit limit increased. Wells Fargo seems to hate talking to customers who aren't traditional rich white men.
Product: Mortgage

In previous complaint XXXX. Referring to the company freedom mortgage purposely switching names on the loan without consent of either party. My name was taken off of the loan, for no reason. Someone else was placed on the loan. Which at that time I was not receiving mail, or able to even call to make a payment since my social, or name did not match what was on file. I asked for the payments to be placed on the end of the loan to make it current which did not happen. Now I am unable to make a payment since I am so far behind due to Freedom mortgages mistake. They want all of the payment up front from XX/XX/XXXX when they made the mistake till XX/XX/XXXX. I have tried to make 2 payments and still can not. I would like for the mistake they made to be placed on the end if the loan. I will make XX/XX/XXXX as well as XX/XX/XXXX current from there. I have lost my job due to covid 19 and they are still trying to take my home, just like they were before. AGAIN, I HAVE TRIED TO MAKE PAYMENTS BUT YOU WILL NOT LET ME BECAUSE YOU WANT THE WHOLE THING UP FRONT!
Product: Student loan

I requested the initial paperwork that would have my signatures obligating me to the loan amounts they claimed vs what I had in my files. 
They refused and sent me running totals of what they claimed was the correct amount and then garnished my wages for several YEARS! 
My loan amount should have been ~ $ XXXX, they claimed it was over $ XXXX and then charged crazy fee and penalties, raising my loan to a total of over $ XXXX!!! 
Based on that amount, they garnished my pay, took all of my income tax returns and made it very difficult to do anything because they falsely reported their unsupported amounts to the credit bureaus and listed me as being in default! 
They refused to provide the supporting documents, cost me in excess of $ XXXX in having to agree to higher interest loans for housing and transportation by ruining my credit, and then XXXX over $ XXXX when I became XXXX due to chronic health issues. 
They put their interests in getting money from the consumer over actually reviewing their files and substantiating a loan amount that was clearly out of line for university costs for that period!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

US DEPT OF THE TREAS XXXX
Product: Debt collection

This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with XXXX XXXX XXXX, which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Under federal law, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account shall not contain a balance nor should it be listed as a collection/charge-off account.
Product: Debt collection

A collection account was added to my XXXX credit report on XXXX/XXXX/XXXX. By collection company called Avante for the amount of {$1600.00}. A debt that has already been paid for by my insurance company back in XXXX. Placing the account at a XXXX balance. Although this account has been paid. The collection agency keeps reselling the account. Causing it to reappear on my credit report. It is unlawful for a collection agency to report inaccurate information on a consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/ BANKRUPTCY/ INACCURATE INFORMATION AND INQUIRIES from my credit report immediately