23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On several occasions within contacting the company to arrange payment for my debt, they were intimidating and refused to allow me to make arrangements to pay off my debt. 

In my most recent contact on XX/XX/2019 to make attempts to pay the debt, the rep told me that I had to pay what was owed now, denying my rights as a consumer without offering options to assist. 

Several times they used scare tactics in order to get me to pay the debt in full, using if and then statements. 

I also wrote a formal complaint to the company about their practices where I shared my concerns of their behaviors and refusal to let me make arrangements to help me pay off the debt. This communication was not responded to. 

At this juncture, they are also not allowing me to pay reasonably. This is prohibiting me from my rights as a consumer and I am not protected.
Product: Credit reporting or other personal consumer reports

Macys city bank on XX/XX/2023 this was on my credit report I didnt approve this at all would really like this off my report
Product: Debt collection

PRO COLLECT IS TRYING TO COLLECT ON THIS DEBT THEY CLAIM I OWE THEM. I HAVE ASKED THEM TO PROVIDED A DOCUMENT OR AGREEMENT BEARING MY SIGNATURE SHOWING THAT I HAVE A LEGAL BINDING CONTRACTUAL OBLIGATION TO PAY PRO COLLECT. THEY HAVE FAILED TO PROVIDE THIS AND CONTINUE TO REPORT TO THE CREDIT AGENCIES WHICH HAS HAD A NEGATIVE EFFECT ON MY CREDIT REPORTS. THEY KEEP SENDING A LEASE AGREEMENT FROM AN APARTMENT COMPLEX IN XXXX TX WITH THE NAME XXXX XXXX XXXX, AND XXXX XXXX, WHICH IS NOT ME.
Product: Student loan

On XX/XX/XXXX at XXXX, I received an email from American Education Services XXXX ( " AES '' ) stating the following : " We received your application for an Income-Based Repayment ( IBR ) plan 90 days ago. We needed additional information from you to fully process your request. Since it has been 3 months, your request has expired. 
To have your monthly payment amount based on your income and family size, you need to recertify your information annually. If your payment amount already increased or to prevent it from increasing, please visit StudentLoans.gov immediately to reapply. '' I am very confused by this email, as I have already submitted, on multiple times, my IBR, once already through the StudentLoans.gov site, and once directly to AES, and I already received an approval letter for renewal of my IBR from AES dated, XX/XX/XXXX, which advised that I am to pay from the period of XX/XX/XXXX - XX/XX/XXXX, {$390.00}. I have a copy of said letter and will attach to this correspondence. Due to economic reasons, I had to request an economic deferment of my payments from XX/XX/XXXX - XX/XX/XXXX, which was granted by AES, again communicated in a letter dated XX/XX/XXXX, which advised that my temporary forbearance was granted until XX/XX/XXXX. A copy of this letter is also included. 

So as you can see, I am confused as to why AES is now advising that my IBR request has expired and now I am in fear that my Income Based Repayment Plan will be extinguished through the negligence of AES. I fully expect that I receive a retraction letter from AES of the XX/XX/XXXX message in the email, and confirmation that my IBR plan IS in place, and that I HAVE the forbearance of my current IBR payment of {$390.00} until after XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute an account and multiple hard inquiries listed on my credit report. After reviewing my credit report, I have identified an accounts that I believe to be inaccurate or unauthorized. 
I am providing the following details regarding the disputed account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Explanation of Dispute : I request that you investigate this matter and remove the disputed account and inquiries from my credit report promptly XXXX As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureau to ensure the accuracy and integrity of the information on my credit report. 
Please provide me with a written response within the legally mandated timeframe of 30 days. If you find that the inquiry is inaccurate or can not be verified, I request that you remove it from my credit report immediately. Additionally, please send me an updated copy of my credit report reflecting the changes made. 
I appreciate your attention to this matter and the timely resolution of my dispute. Please inform me of any further actions required from my side to facilitate the investigation process. You can contact me at- XXXX if you require any additional information. 
Thank you for your prompt assistance in resolving this dispute. I look forward to a satisfactory resolution.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached idtheft report XXXX. XXXX XXXX XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XXXX XXXX  XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Product: Credit card

XXXX offered 48 month low APR promo. Made purchase - program kicked in and minimum monthly payment due 's force the consumer to pay off in 21.5 months - not fully allowing the use of the 48 month program. ( The payment does include the monthly finance charge of {$15.00} - FYI )
Product: Credit card

A credit card was mailed to an address in XXXX - I live in XXXX and was never contacted about a new card bring issues Fraud happened about XX/XX/XXXX and now totals over {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

review the following accounts that appear on my credit report, without any authorization, are hurting me XXXX Account Number : XXXX This is not mine. 
CB/VICSCRT Account Number : XXXX
Product: Credit reporting 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 168b permissible purposes of consumer reports. 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two CitiCards. An Awards ( ... XXXX ) card and a XXXX Card ( ... XXXX ) Sometime in early XXXX, before XXXX, my card ending in XXXX, that I had not used for over 5 years was paid off complete. 

Payments were being made automatically to both accounts from my XXXX XXXX Checking Account. For some reason after the paying off my card ending in XXXX, my payments to card XXXX ( XXXX ) were being applied to my XXXX card. I discovered this error and contacted XXXX, who promised to move the credit in XXXX to XXXX and update my payment history accordingly. XXXX moved the credit to XXXX on XX/XX/XXXX, or thereabouts, but never updated my payment history as promised. As a result I immediately received a 60-90 past due on my credit report, which I did not know of until recently. 

Furthermore, my card ending in XXXX had received activity that was fraudulent after the XXXX correction. I never received a statement or notification in the mail about any activity. The disputed amount was reported to the credit agencies as still past due as recently as XX/XX/XXXX, however upon notifying XXXX, their fraud department and customer service departments tell me that I have a negative {$35.00} balance ( credit ). 

On XX/XX/XXXX, I received two letters from XXXX ( attached ) stating that my credit information is correct and that I need to contact the credit agencies to let them know I'm disputing the information. The only problem with the letters is that they both have card numbers that are invalid ( not enough digits and are nowhere near any card number issued ). 

I spoke with XXXX again, XXXX - XXXX PST on XX/XX/XXXX and was sent from department to department speaking to representatives in their fraud and customer services department only to be disconnected without resolution. 

I fear this really indicates XXXX XXXX lack of security protocols and their inability to have any oversight to their credit card billing and management systems. Their lack of knowledge about their own processes is grossly expressed as their representatives appear to be mouthpieces to only drive their customers to give up due to their corporate direction of not really caring about their clients concerns. I am sure that I am not the only one going through this exhaustive process to right the wrong due to their negligence. 

I hope this is enough information to start this investigation. 

I plan on re-calling them as soon as send out this statement. 

All of the above can be confirmed if XXXX releases all phone recordings and transcripts of my discussions and actions with them since XX/XX/XXXX. 

I can offer a copy of my credit report if needed. Every other creditor reports exceptional payment history except XXXX. 

Best Regards ... ... .. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My insurance carrier ( XXXX  ) sent a check for over {$50000.00} US to cover the cost of the vehicle loan, over 60 days ago, ( XXXX XXXX ) yet its still showing on my credit. Hindering me from obtaining another loan. This is unacceptable and needs to be corrected immediately.
Product: Mortgage

Valley National Bank informed me that the interest only period would end XX/XX/XXXX. 
Payment to go from XXXX to XXXX ( or there abouts ). I sought their help in reaching a modification agreement and submitted their application along with all the income required documents. XXXX XXXX XXXX communicated with me several times via email with additional requests or to communicate questions. On XX/XX/XXXX, I received a denial of modification with a one line statement as to the reason : Sufficient income ... 
Using the same established means of communication, I requested a more elaborate explanation as to how they came to that conclusion. My emails went unanswered. On XXXX, I used your template to request information. I explained again, that I need a more elaborate explanation in order to have a chance at an appeal. As of today, nothing has been received. Further the above servicer will only tell me that the loan owner is a trustee with XXXX XXXX. I also asked that they provide proof of communication with that trustee owner. Please intercede. Thank you.
Product: Mortgage

I was told by PHH Mortgage at the Beginning of XXXX that I could get a 3 month forbearance plan and the payments would be put at the end of my mortgage and then in XXXX to start making my regular payments, it turns out that when I call them on XXXX XXXX, 2022 to make my payment, my relationship manager said that I owe XXXX, then he said that he would try to work it out, to wait until he calls me back on XXXX XXXX, he call back and said that he couldn't help, but would sent it to a commit to see what they can do for me. To wait unlit XXXX XXXX and then he would call me around XXXX XXXX. After talking to him he said that the only way they can help me is paying around {$10000.00} to bring my account up to date, the only problem is that they Lie to me in XXXX when they gave me the forbearance plan for 3 months. Now I have unlit XXXX XXXX to file a appeal. If they had told me the truth I would have done something else instead. They say that all calls are recorded so if they go back to XXXX when I call them they can see that they afford me a 3 month forbearance plan and that mtg payments would be put at the end of my loan. I have appeal their reason for non-approval. I don't want to lose my home after 39 years living there its all I have and am retired, Hope you can help me. Thanks XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Fl XXXX PHH Account # XXXX Everything has been done over the phone with PHH Mortgage Co,
Product: Debt collection

This dept was a charge off in a bankruptcy in 2016. I contacted the company and talked to a person by the name of XXXX and she stated that this was included in my bankruptcy but refused to have it removed. Also, the address that she had was not mine. She was very rude refused to forward me to a supervisor and then hung up the phone. So with this information, I contacted XXXX and they advised me that they do not have any information of me having an outstanding account with there companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX I paid my delinquent account off with XXXX XXXX XXXX Services. XX/XX/XXXX theyve reported again and this time it says Charged Off with a 0 balance. Ive called both XXXX  and XXXX XXXX services and no one seems to be able to help. Ive tried to dispute the account and it says I cant dispute it due to it already been resolved through a dispute in XXXX of XXXX. Ive been paying all my debt and cleaning up my reports and this is a huge thorn in the side.
Product: Debt collection

I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to CFPB.
Product: Credit card or prepaid card

On XX/XX/2023, I used my Chase business credit card to make a purchase a littler over {$5000.00} the merchandise was never delivered to me but I did get a notification saying it was delivered by XXXX, I immediately called the supplier and let them know, they advised me that sometimes such issues happens and the item gets scanned by mistake and I was to wait an additional 8pr 10 days, I thought that was a really long time frame and was sure to get a second confirmation on the wait time. However, I called about 7 days later and was told that I should have been informed from the first call that I needed to make a police report in order to dispute this matter, I then immediately called my credit card company ( Chase Business ) and explained to them whom assured me they will take care of it and I didnt need to go to the police, so I trusted in them only to receive a notification a few weeks later saying I need to check my messages on the app, I read through the message and was informed that I will be charged for the item because XXXX provided them with a signature of delivery, although the signature is not mine, I did not meet with XXXX no one from my home received the delivery, I am being charged for an item I did not received because XXXX provided a fraud signature and state that they delivered the merchant. 
On multiply occasions XXXX will leave a signature required item without receiving a signature and sign it themselves, I submit a second dispute and was denied once again. 
I can not afford nor is it fair for me to pay for an item I did not receive, and I feel like Im drowning with no help in sight all because I cant provide proof that XXXX delivered my package but XXXX provided a signature that was not mine and the credit card company accepted that.
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 1681e ( b ). XXXX XXXX XXXX XXXX  Account number XXXX .... Date opened XX/XX/XXXX XXXX .... Recent balance {$5400.00} XXXX XXXX XXXX XXXX FL XXXX, UT XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX contact ( XXXX ) XXXX XXXX XXXX contact : ( XXXX ) XXXX XXXX Inquiry Date : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have a 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. 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, other than records of convictions of crimes which antedates 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX a lot of inaccuracies of dates of open accounts, dates active, unable to verify account. this is fraudulent account I presume that no proof of the alleged debt nor therefore any such debt in fact exists. Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received financing from XXXX XXXX to purchase a mattress in XXXX XXXX. Unfortunately, I had to file for bankruptcy in XXXX XXXX. XXXX XXXX violated the stay when their Regional Manager, XXXX, wanted payment on the account in XXXX XXXX and then belittled me for not being able to pay " such a small amount. '' I also filed a dispute regarding the account being listed with a balance and the account was updated to accurately reflect that it had been included in the bankruptcy. The bankruptcy was discharged on XXXX XXXX. I have scheduled 3 attempts with XXXX XXXX for them to pick up the mattress. The first time was XXXX XXXX after the branch manager XXXX, called my work wanting payment for the discharged debt and I declined. He then called me again later that evening wanting payment for the discharged debts and when I continued to decline, we agreed to have the items picked up after 4 on  XXXX XXXX. No one came. XXXX XXXX, XXXX from XXXX XXXX called stating that the person who was to have picked up the items on the XXXX had XXXX XXXX XXXX and was unable to do so and we set up another time, XXXX XXXX after XXXX. Again, no one showed. XXXX XXXX they called my bankruptcy attorney making false claims that I was attempting to hide the property and that they had never set up any previous dates with me to obtain the recliner and mattress. I explained to my attorney these calls between XXXX XXXX and myself were recorded, therefor, I had proof these days and times were previously arranged with them and who then told them they had one last attempt  to pick up the items and that was set up to be XXXX XXXX at XXXX. XXXX XXXX XXXX arrived on time on the XXXX and got the recliner that was purchased on another account included in the bankruptcy, but when I informed them they also needed to get the mattress stated that XXXX XXXX had not advised them to get it and they would not be taking it. They had me sign that they had picked up the recliner and I made a copy for myself which clearly stated 1 # to be picked up and returned to XXXX XXXX and listed the recliner and it 's serial number. Today, not only did XXXX XXXX call to harass me again over an item I have made 3 attempts for them to pick up, but they also placed the account back on my credit report showing a balance, that it 's past due, which it was n't when the bankruptcy was filed and that it is open. This violates Federal Bankruptcy Laws.