23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Called on XX/XX/XXXX and times before to defer my student loan. They said I have two loans - one through the Dept of Education and one through Navient. The paperwork that they send is so convoluted and doesn't make sense. But, my interest keeps accruing, they keep calling my cell 5-6 times a day, and I don't have the money to pay them, not to mention the fact that they make it so difficult to figure out what I'm paying for - and to whom! Why aren't they straight-forward with the costs and which loan is for what. To be honest, I don't think the original loan amounts are accurate and I would like to see copies of those documents ( with my signature ) to verify the accuracy of those loan amounts. Will they still have copies from the XX/XX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and the XXXX  data breach. I submitted the fraudulent account information, fraudulent names, and addresses that continue to appear on my credit reports to XXXX, XXXX, and Experian on more than one occasion, over the past few years, to be removed. They have not removed the inaccurate information. According to section 605B of the fair credit reporting act, the bureau 's should have removed these items of identity theft within 4 business days, but they have not. My most recent attempt to remove the false items was on XX/XX/2020.
Product: Debt collection

Capio Partners , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Capio Partners has called me excessively to the point of harassment over a medical debt from XXXX. They have listed the debt as XX/XX/XXXX which I have never attended XXXX XXXX. I was at that time living in Florida. They reopened a debt from XXXX!!!! And are claiming it's from XXXX! I am a Florida resident and the statue of limitation on this debt has reached it's point. I have tried to explained that I have always had health insurance. I was admitted to a Hospital after a car accident in which the other party ran a red light. The Hospital billed my insurance incorrectly and they never resubmitted but instead billed me. I tried to resolved it numerous times submitting XXXX XXXX insurance, social, military id and the hospital told me that would be all. Years later I hear from them non stop ... nothing in the mail just calls all week long to no avail. They use profanity, threatened to damage my credit score more than they already have. Please help me so that this company stops these illegal practices. They are acquiring old debt from hospitals that failed to bill health insurance correctly either because of the lack of training of their accounting/health staff. There are federal/state statues of limitation that this company is not adhering to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate information being reported : Past due balances showing on accounts that have been charged off or are in collections. How can there be a past due balance on something that the company wrote off and got a tax credit for? How can a collection have a past due balance when its been sold three times and the collection agency listed is incorrect?
Product: Payday loan, title loan, or personal loan

I need extra money and my credit scores wasn't that great. I went online and found this loan company XXXX. It was the biggest mistake that I have ever made. I took out the loan in XX/XX/XXXX. It was for {$3100.00}. My payments started out at {$360.00} a month. Then I could no longer afford that amount so I started paying {$270.00}, As of today, XX/XX/XXXX, after two years, the principal on this loan is {$2500.00}. I called to get a pay off amount today for Monday and I was told that the pay off would be {$2800.00}. I asked them how could this be. I did not understand anything the guy said. I told him that this has to be unethical and illegal and hung up. I do not understand how could have a loan that I got in XX/XX/XXXX for {$3100.00} would have a payoff of {$2800.00} in XX/XX/XXXX when I have been making payments of originally {$360.00} and now {$270.00}. I know that I should never use companies like this but this has to be illegal. The way they are doing this loan, it would take forever to pay off. Also, after 2 years only XXXX has gone to the principal. Also, how could the principal balance be {$2500.00} and the pay off would be {$2800.00}? This makes no sense and I could not understand all the fees and interest charges that the person was alluding to. I also did not know that the loan does not have a term. I thought it two years it would be paid off. 

I did not understand these terms an never would have signed up to something like this. I was just in a car accident and needed money to pay bills. My credit score is fair now that i can actually get a loan at a bank. I wanted to try to get money to pay this off but do not want to pay what this is showing. It is not right.
Product: Credit card or prepaid card

As one who pays my credit card bill in full every month without fail, I was surprised to see a notice for " EBill 's due '' with an amount of XXXX $ and a due date of XX/XX/XXXX. What makes it so confusing is I payed the full bill of XXXX on XX/XX/2020. The website would appear to be baiting those who have paid already into paying twice. It is very deceptive. 

I called into Bank of America and was told by the agent that it was a feature that I would want as a BoA customer. No, it is not and it appears to be a deliberate attempt to confuse consumers. I asked that they would fix it in their system and they told me that they can not. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Lvnv funding LLC have not VERIFIED proof of debt by a signed contract under the consumer laws. Under consumer law no 1099c was received to commit identity theft by selling debit to a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/XXXX to inquire on why they hadnt updated my credit scores since XX/XX/XXXX for 2 of my credit cards and XX/XX/XXXX on the other 2 of my credit cards only to be told that their system was down. I contacted them again on XX/XX/XXXX and informed them of the above issue, only to be told that the 3 credit card companies for my 4 credit cards had not updated the balances. ( I advised the agent that this is not an issue with the XXXX XXXX company and that I believed the issue was with Equifax. The agent that entered the dispute was XXXX id number XXXX the dispute confirmation number XXXX. She advised that it could take up to 30 days. She asked for all 4 of my credit card balances which I provided. Then I get a credit alert on that shows that the update had been made on XX/XX/XXXX but ALL of the balances are the exact same from what was reported back in XX/XX/XXXX and XX/XX/XXXX. I am in the process of purchasing a home and the Equifax credit score is the lowest because they haven't reported in 5 months please provide some assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got online to request debt validation from all three major credit reporting agencies in regards to a JPMCB account on or around XX/XX/XXXX I took screen shots of the original amounts and dates on the account when I requested the information upon completion of the investigation asking for detailed account information on this one particular account I noticed that the debt had been illegally re-aged I attempted to disputed the results of the investigation but was told that I couldnt do anything else with that account.
Product: Debt collection

On Friday XX/XX/year> I received a credit monitoring alert that there was a collection placed on my credit report by TrueAccord Corporation claiming to be the ( Original creditor ) in the amount of {$89.00}. After doing my research, XXXX aka XXXX is the original creditor that sold the debt to TrueAccord. TrueAccord is NOT the original creditor and NEVER sent notification of the collection. Their practices do not appear to adhere to ethical standards as TrueAccord Corporation has improperly reported a debt to the credit reporting agencies without meeting their obligations under the Fair Debt Collection Practices Act. This item entry should be removed until proper notification regarding the debt are met.
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$30.00} I contacted receiver no response. 
I called the bank to file a fraud charge and initiate an investigation to get the money refunded and Chase said it couldnt do anything for me since XXXX was a third-party service
Product: Debt collection

I called the company to explain to them this isnt my debt. Explained that my XXXX ex had taken my info and was doing things I was unaware of. Even tried to settle with them because I want this painful time to put in the past.
Product: Mortgage

PHH-owcen return my payment XX/XX/20 required me to get attorney statement to speak with them so Im sending you their statement etc Phh, ocwen XXXX Estate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA statement lower amount {$880.00} instead {$880.00} property address.has error should be XXXX XXXX XXXX XXXX XXXX XXXX.CA..wow again their error wont allow me to make payment also The Attorney letter got right on ... 
I spoke Wednesday with Agent XXXX XXXX XXXX 
their are remote..said it would take a week to get my statement etc Widow of Veteran XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX while return to stateside XXXX XXXX. XXXX yes I have suffered. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Synchrony Bank closed a total of XXXX accounts. None of these accounts have ever been over 30 days past due. In addition, I previously filed a CFPB complaint regarding Synchrony closing my Lowes Account that I had over 18 years. 

For the XXXX Account ending in XXXX, Synchrony Bank sent me an electronic letter stating that they made a decision to close my XXXX account due to various reasons. I have been a XXXX customer for over 18 years and make monthly payments. In addition, I have other cards with Synchrony Bank that I pay monthly. I have not had to make any payment arrangements with the creditor on any of the cards. I do not have mortgage on my credit report because I inherited a home and XXXX acres that is paid in full. Over the past year, Synchrony continued to reduce my limit, causing several over the limit to occur. I continued to pay monthly. In addition, I was not provided with any notification that this would be considered after being a long standing customer with XXXX. I am asking that Synchrony either reopen my account or agree to a 30 % Settlement due to the tarnished relationship that they have caused. I would also like a letter of apology due the embarrassment that this has caused over the past year of having to contact them several times to mitigate the issue of them repeatedly locking my card in which I provided proof that it was in fact me making the purchases. Also, due to them closing my account, they have not only impacted my credit score, but the XXXX authorized users as well. Remove them from this account. I can be reached at XXXX. 

In addition to my XXXX Account, Synchrony also closed the following accounts : XXXX XXXX - Account Ending XXXX Closed XX/XX/year> by Synchrony - Reason : No reason provided. No letter received XXXX - Account Ending XXXX Closed XX/XX/year> by Synchrony - Reason : Activity on account ( XXXX ) with Synchrony Banks indicative of high risk or failure to pay Care Credit - Account Ending in XXXX Closed XX/XX/year> by Synchrony - Reason : Activity on account ( XXXX ) with Synchrony Banks indicative of high risk or failure to pay Ashley Furniture - Account Ending in XXXX Closed XX/XX/year> by Synchrony - Reason : Activity on account ( s ) with Synchrony Banks indicative of high risk or failure to pay Synchrony has tarnished my credit bureau reports and ability to now purchase a home! They need to update my credit report to reflect paid with a {$0.00} balance owed and adjust all balances to {$0.00} due to the severe damages to my credit report that they have caused.
Product: Debt collection

To Whom It XXXX Concern, I am submitting this formal complaint and request for investigation regarding ongoing violations of my consumer rights by Credit Collection Services ( The CCS Companies ). I am disputing all debts you claim I owe and am revoking any consent for you to contact me via call, text, or email. Credit Collection Services ( The CCS Companies ) has failed to adhere to specific consumer protection regulations, and I believe my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) are being violated.

In accordance with the following laws, Credit Collection Services ( The CCS Companies ) has not met the legal standards for communication and debt validation : 1. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) You have failed to accurately disclose all information about the debt you are attempting to collect, which affects my ability to fully understand and assess this debt.

2. 12 CFR 1006.34 ( b ) ( 5 ) You did not provide me with clear information about my rights to dispute the debt, as required under this regulation.

3. 12 CFR 1006.34 ( d ) The required disclosures have not been provided within the necessary timeframe, preventing me from making informed decisions regarding the alleged debt.

4. 15 U.S.C. 1681s-2 ( 7 ) ( A ) Your continued reporting of this debt without substantiation and in violation of these regulations is materially damaging my credit report.

Im unaware of this debt and I didnt have an opportunity to to dispute this debt. I didnt receive proper notification of this debt, if in fact you believe you gave me proper notification of this debt then please provide certified receipt with my name and signature stating I received it.

In addition to disputing this debt and revoking all forms of communication, I am formally requesting : Debt Validation Verification of the validity of this debt as required under the FDCPA.

Purchase Agreement Proof of the original purchase agreement between the original creditor and Credit Collection Services ( The CCS Companies ) that demonstrates your authority to collect on this debt.

Licensing and Bonding Documentation Proof that Credit Collection Services ( The CCS Companies ) is licensed and bonded to operate within my state. 

This situation has caused me considerable distress, and I respectfully request that you provide the requested information in compliance with federal regulations. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer report.

Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.
Product: Credit card or prepaid card

this is part of complaint ID XXXX I paid PAYPAL CREDIT 2 payments of {$5.00} and {$66.00} to have my credit limit under so I could make a purchase to XXXX well as you know the scum PAYPAL took the funds directly from my bank account. So on XX/XX/2021 I called to request a REFUND of these funds. I was told by that account manager CONFIRMATION XXXX that she initiated the refund. On XX/XX/2021 I spoke to XXXX XXXX that stated that my REFUND WAS INITIATED on XX/XX/2021. Ok ... ... ... ... .that is 3 business days later. I called TODAY and the agent stated the check has been INITIATED JUST TODAY. At first he said its been mailed. So I said then please provide the check number. Nope. He said oh I meant initiated. I feel I am being LIED TO and given the RUNAROUND. I asked to be connected to a supervisor. I was on hold then was hung up on. I WANT MY REFUND ASAP.
Product: Credit reporting or other personal consumer reports

Credit Bureaus are engaging in deceptive and unfair practices of the FDCPA which it prohibits. They are reporting late payments on accounts that are incorrect and inaccurate. Under law The late payments on this account are inaccurate and are in direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( B ). 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my Equifax credit reports, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachments below
Product: Credit card

The store solicited me to open an new HD credit card account. Never received the bill or credit card, and went to the store with purchase receipt and application package demanding for payment. After store associate called the bank, {$25.00} was confirmed as minimum payment without financial charge, and paid {$25.00} in the store on XXXX XXXX, 2016. However, received the statement XXXX XXXX that stated posted charge of {$30.00} late payment, {$13.00} for the finance charges. I paid off the rest of balance on my account on XXXX XXXX. Complain : No bill for the payment, charge is not transparent, the benefit interpretations was misleading, solicitation for the opening HD credit card with fake benefit.
Product: Debt collection

My grandmother passed away in XXXX XXXX and her credit cards were put on my credit I need them to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Services is in Violation of 15 USC 1692c ( c ) 2 & 15 USC 1681b
Product: Credit card

Payment of {$2000.00} made on a card balance limit of {$6400.00} with a balance nearly full. After payment was made my credit limit was decreased to keep my card utilization at above 90 % despite no missed payments or issues. This is on a XXXX Citi card. I also have a Citi XXXX card which I made a {$1000.00} payment and my credit limit was decreased by {$1000.00} keeping my utilization at 97 %. I contacted Citi on XX/XX/year> and disputed the decreased in limit as it will hinder my credit building to keep the high utilization I am working to reduce. The reevaluation was completed and an email sent to me less than 24 hours later saying no change will take place and that their decision is correct. A letter explaining will be sent in 7-10 days.
Product: Credit reporting or other personal consumer reports

I was alerted to a new hard credit inquiry on my credit report, lowering my credit score. It showed it was from XXXX XXXX XXXX. I contacted the bank and the person I spoke to asked me to provide a number associated with an account to look it up. I stated I did not have that. I was transferred to the fraud department where they attempted to find the inquiry but found nothing. It is now showing on both my XXXX and my experian reports.
Product: Debt collection

Had to move out and in with family due to loss of XXXX from XXXX  XXXX. They kept our full security deposit amount which a full months rent. They told us we had to pay or vacate the premises. We then had to leave due to no funds. They then charged us XXXX additional months worth of rent and sent to collections after we told them we couldnt afford to stay. They have repeated denied this and continue to reopen and send to collections. We were severely affected by XXXX XXXX as well as many other families and its a disgrace they are not doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accodance with the Fair Credit Reporting act Convergent Account # 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

I have a hard inquiry for VW Credit XXXX on X/X/17 as well as XXXX XXXX also on X/X/17 which does not make sense as I have had a lease with XXXX now for 5 years.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXX  XXXX - XX/XX/year>
Product: Debt collection

I reported information was identified theft because I was unknown of them depts and they were Unauthorized so I would like to Dispute all them collection on my credit report
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 items 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 XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Updated XXXX XX/XX/XXXX ; XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX XXXX XXXX Balance XXXX XXXX {$3900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I've written to this collection company to cease and desist and they still are trying to contact me. I do not have a contract with them nor do I owe them anything