23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Credit systems contacted me for a debt in XXXX. I disputed the amount and what it was for and was provided little information or how the charges were brought about or were they actually done. I did research and questioned the validity of the debt and the collector which has been pretty shady. I paid them in XXXX of XXXX so i could continue to rent apartments which I have done so for three years. They closed the account on my account in XXXX XXXX, just to reopen it in XXXX to say that I owe it. They refuse to provide the paid letter and any information on the debt, so I can take it the legal route. I lost the paper they originally sent to my apartment in XXXX I do have my bank statements showing that I paid them in XXXX XXXX and I will gladly show them but they refuse to accept them.
Product: Debt collection

On XX/XX/2023, I logged into my Navy Federal online banking and noticed I received my tax return, which was a surprise because I had just filed I seen that It was only XXXX in my account. I called Navy Federal up to someone and asked where my money was in my account. They stated we took it. I said for what they stated for a credit card in collections. I was in the biggest shock. I had no knowledge of this, never received any correspondence in the mail, called anything the rep stated, we sent an email. On XX/XX/2023 in Reference to the credit card about collections I never received it then she stated that it's like if you don't pay your light bill I don't know how that correlate I have been in contact with Reps for them to do this to me is very Surprising I have been explaining to them my circumstances me and children are homeless when I talked to a rep I sated I would pay the pay due balance I owe when I got my return they took everything from me and when I called they were unprofessional unpleasant and uncompassionate I asked to speak to a manager someone higher up was hung up on called back and placed back in a queue put on long holds I have been banking with this company for 17 years I have never experienced a situation like this with Navy Federal credit union before. People fall on hard times ; the FDCPA protects consumers from how and when they can contact a consumer concerning a debt, also the statue of limitations of the debt. I want this issue resolved and my money back I told them I would pay the past due balance they went the wrong way about this I was never made aware by mail or phone of the collection against me in order to make arrangements payment plan they just took all that I have and I'm back at square one
Product: Credit reporting or other personal consumer reports

I traded in a vehicle to Bridegcrest during the purchase of another vehicle. The loan for the trade was paid in full and left with a XXXX balance yest for the past 4 months the huge balance is still showing owed and negatively impacting my credit score and debt ratio. I have asked to please update my consumer credit reports as this is a paid loan and was never late and no money is owed but Bridgecrest has not. Now my credit score is dropping and debt ratio is a major factor this is {$24000.00} being incorrectly reported
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft i have included documents of my reports and submissions of filing for identity theft off identity theft by gov is well as other sources CFPB and submission to the actual FBI of my hacked personal information that has caused me a lot of issues I am trying to clear up my credit report so please erase all inquiries that I am requesting as they have not been authorized or applied by meThis has been a violation and this is unlawful and unauthorized and is consumer violation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX, on Behalf of Themselves and All Others Similarly Situated, Plaintiffs, v. GREAT LAKES EDUCATIONAL LOAN SERVICES , INC., EQUIFAX INFORMATION SERVICES , LLC, TRANS UNION, LLC, EXPERIAN INFORMATION SOLUTIONS , INC. and VANTAGESCORE SOLUTIONS, LLC, Defendants. Case No. CLASS ACTION COMPLAINT ( I ) Violations of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( II ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.14 ( b ) ( III ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.25 ( a ) ( IV ) Violations of the California Unfair Competition Law, Cal. Bus. & Prof. Code ************* ( The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XX/XX/2020. However, they are neing reported as open and past due on XXXX. This resulted in my being denied housing during the pandemic by CRA XXXX use of an XXXX  credit report. I ask that they immediately update this reporting. The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President Donald Trump on XX/XX/2020. I will be a member of the class action above.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Mortgage

On XX/XX/2018 I received a letter from XXXX  XXXX indicating that my mortgage loan had been sold to Carrington Mortgage.

When I went online to make a payment to Carrington Mortgage, I noticed that they charge a {$5.00} online fee for me making a payment to them! Why do I have to pay to pay them when XXXX XXXXXXXX and previous to that XXXX XXXX did not charge? 

This is insane to me, how can a mortgage company sell my loan to another company with fees like this? I understand loans can be sold but I feel victimized and helpless about this additional {$60.00} I have to pay per year! I am trying to pay off a huge loan, not make it worse. This feels like it should be illegal, what if the next company that it's sold to charges {$10.00} to make payments? Do i really need to go back to mailing payments? I have to pay it no matter what fee they charge at their discretion, and I never agreed to this!
Product: Bank account or service

I have a Bank of America Money Market account open a couple of years ago. Last year year in XXXX XXXX my balance went down to {$500.00} approximate. The bank did not notify me that they will be charging a monthly maintenance fee of {$12.00} after that. I do n't get a paper statement, only today I noticed that the money market balance was down to {$380.00} only due to several months of {$12.00} monthly maintenance fee they were charging. At least Bank of America should notify me that they will start charging fees. I am senior citizen on fix income. Plus I have been a customer of Bank of America since XXXX. All our home loan, equity line of credit, visa are with them for 40 years. Whatever happened to customer loyalty? 
I asked if they could waive these monthly maintenance fee. But they said NO. So I would like to WARN other Bank of America customers for FEES that are popping UP left and right. they also started charging me for safe deposit box fees since last year. I do not receive paper statements because they also charged for that now. Everything has to be on-line. There should be at least grandfather policies for being loyal customers. Bank of America should at least refund the monthly maintenance fee for 11 months they took away from me. ALSO THEY SHOULD BE CONSIDERATE FOR SENIOR CUSTOMERS WHO ARE NOT TECHNICAL SAVY.
Product: Credit reporting or other personal consumer reports

Im requesting your help with this incorrect account reflected on my credit report. Ive flagged this issue because its been detrimental to my reputation, and I need your assistance. The poor handling of my credit report has severely affected me, as this incorrect information has harmed my reputation. You must correct these mistakes so I can live peacefully with my family.
Product: Mortgage

Our mortgage company 21st Mortgage has been harassing us about our payments. A month after we bought our home I got very ill and was no longer able to work. My husband made our payments as soon as he couldcould each month. On our statements it says we have until the XXXX of each month but they would start calling, texting and emailing us up to XXXX times a day on the XXXX day of each month. In XX/XX/XXXX we were late with our payment due to myself and my daughter having to have extensive medical test done. We called XXXX XXXX to make XX/XX/XXXX 's payment and they refused to take it, they said we needed to make both months payments right then which we were not able to do. They then sent XXXX men to our home around XXXX XXXX on a Saturday to collect both months payment. The added stress of this on top of my being diagnosed with XXXX ended sending me XXXX for XXXX and XXXX. We had to reach out and ask for help and family friends and strangers donated money to help us pay everything through XX/XX/XXXX. We have explained the situation over and over to the company. We also tried to ask them to assist us and they refused because our loan was so new. We are late this month ( XX/XX/XXXX ) and they started texting and calling around the XXXX of the month which is before the XXXX which is our grace period. They called and I spoke to them this past week which I happened to be with my daughter who was XXXX and I tried explaining that I could not discuss things with them at that point because I was focused on my daughter getting better. The supervisor got on the phone and informed me that this is not what they signed up for when they loaned us the money for our home. I got very upset and explained that I did n't sign up for my health to go so bad and have to have surgery and have my daughter get sick as well. They are very ruthless and do not care what we try to explain to them. They get made if we do n't answer the phone everything they call but why would we answer the phone XXXX times a day to explain the same thing over and over again especially when they are rude and demanding. Also after looking back at our original paper work there are XXXX different interest rates on our contract. They also said they were raising our mortgage because we underestimated the escrow about them they turn around and send us a check saying that we over payed or escrow so nothing is consistent with them. I 'm tired and unable to keep being harassed by them. It boils down to they harrase us before our late date and they send people all the way from XXXX XXXX to XXXX to intimidate us. This is ridiculous and in called for. They told me to save myself the hassle and just go ahead and pack or things and get out so it would be easier on everyone, this was when we were only XXXX months late. Please do something about this company and their lack of consistency and harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX amount on my credit report with XXXX XXXX from XXXX XXXX in which I don '' t my balance is around XXXX can not contact XXXX XXXX!
Product: Credit reporting

XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are reporting false information on my credit report. Improperly providing false information on a person 's credit report is a flagrant violation of the Fair Credit Reporting Act and Fair Debt Collections Practices Act. In addition, XXXX XXXX XXXX had previously deleted the derogatory mark from my credit report however they illegally proceeded to reinsert the false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name THEY ARE NOT ACCURATE. My current and only address is XXXX XXXX XXXX, XXXX OH XXXX. I AM A VICTIM ON ID THEFT. THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE THE FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX OLD XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have phones numbers that are not mine showing as well please delete this unknown phone numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter from a company, Comenity Capital Bank, stating that a XXXX XXXX credit card account revealed potential security concerns and/or irregular credit card transactions. ( see attached ). I immediately called the company Comenity Capital Bank and informed them that I do not have a XXXX XXXX credit card and never have and that my name is not the same as on the account listed on the letter and they stated that they would investigate for fraud. In a few weeks following this, I then started receiving harrassing phone calls from the same company, Comenity Capital Bank, at least once a week stating that I needed to pay this balance. I each time told the company that this was NOT MY ACCOUNT and I did not have a XXXX XXXX credit card and even spoke with somone in their fraud department to verify that the name and the ss # on the account was NOT mine ... so they said they would stop calling me. I few weeks later I began recieving calls from Comenity Capital Bank again threatening me with financial penalties if I did not pay the balance, in which I again told them that this was not my account and verifed the ss # and name on the account was not me. On week of XX/XX/XXXX I received an alert on my credit report that my credit score had decreased so I reviewed my credit report and saw that XXXX XXXX had put an uncollected debt on my credit report for over 3,500.00 so I started the dispute process with XXXX. I have attempted to call Comenity Capital Bank and have them remove this collection from my credit reports but can not get through. I am contacting all 3 credit bureaus to have this claim removed from my credit report as it is not my account and even has an incorrect name listed on my credit report and has caused my credit score to decrease by 50 points.
Product: Credit card or prepaid card

Hello! My name is XXXX, and I have a problem with Carecredit card. I tried to make a payment on time to finish my debt, but they rejected my payment. I called the company and put me on hold and did not answer. Please, help. I want to get rid of this credit card as soon s possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital Systems LLC has reported to the 3 credit bureaus that I owe {$2500.00}. All three credit bureaus have been provided inaccurate information, and are inconsistent. One of the main credit bureaus has " closed '' the account. I have sent Jefferson Capital Systems LLC a debt validation letter and they never got back to me. Jefferson Capital Systems LLC has continued to inaccurately report to the credit bureaus, without validating ownership.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report TRANSUNION Dear Sir/Madam , After TRANSUNION completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 
XXXX XXXX  XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> AND XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept of XXXX/XXXX is currently reporting that I have balance increases for all 17 accounts although I recently received an email from the XXXX XXXX XXXX dated XX/XX/XXXX stating that my loans are in " forbearance and or in stopped collections status '' since XXXX and " will remain in that status pending further direction.. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried multiple time past year to have this one account XXXXXXXX XXXX XXXXXXXX removed. I CALLED XXXX the original creditor. My first delinquency with them dated back to 2013. So these credit bureaus are NOT doing investigations as they say they are. The consumer law states 7 years from first delinquency with ORIGINAL CREDITOR. Its been TEN YEARS. This is a violation of my rights. They REFUSE to provide any proof of any information they have. They show no proof how they investigated. Again VIOLATING MY RIGHTS. If they would do their job and investigate they would see this company is fraudulent!
Product: Credit reporting or other personal consumer reports

Each time I want to do something, like rent a house, asked price for buying a car, apply for a credit card, some fakes inquiries block me to allow an increase in my credit score even though I make big sacrifices to pay my bills on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a title loan from loanmart for less than {$3000.00} back in XX/XX/2017. I was unable to repay the loan my vehicle was repossessed by loanmart and sold at auction. Now my credit report shows original title loan as 48-month auto loan that it is not and has never been a traditional auto loan. Also, on my credit report loanmart has the status as a charge off and as active with a balance over {$33000.00} simultaneously which is adversely hurting my credit score and preventing me from obtaining an FHA home loan.
Product: Vehicle loan or lease

I have requested a payoff balance from my lender. They have quoted me a price higher than the total loan, ( including finance fees ). I have asked for a quote for payoff three times and have received the same response. I have requested that my payment be placed on the principal for 6 months and this has not been done. I owe less than the total finance charges and would like to pay off my car minus the finance fees but I am being told that I ca n't do that.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX XXXX XXXX {$330.00} XXXX Remove account XXXX XXXX XXXX Remove inquiry
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I received 1 cash advance of XXXX on XX/XX/2020 from XXXX XXXX XXXX  XXXX IN from Citicard Diamond. When I received my statement it was on there as 2 XXXX transactions. I opened dispute with Citicard who contacted XXXX XXXX who responded to the duplicate charge as it not being a duplicate they pulled their records at the bank and only 1 transaction was made and only 1 advance of XXXX was given Citicard closed the case out because they say two transactions were done and put the responsibility on XXXX XXXX to resolve saying they must repay me. XXXX XXXX contacted me and has now said I need to reopen dispute with Citicard and let them know that XXXX XXXX has determined this not to be duplicate and file dispute as an unauthorized charge since I never received but XXXX XXXX cash advance i am being charged interest for 2 cash advances which I want a credit to my account both of these companies just keep passing the buck to one another and I the consumer is having to pay for an additional XXXX advance I never received
Product: Checking or savings account

The issue with bank of America is being selective. I filed a dispute with BOA on a company names XXXX. 

XXXX provided third party vendors that did not provide the guaranteed work that they promised. We went back and forth with XXXX over this issue and they did not want to provide us a credit. It wasn't until we filed the dispute that they claimed she I filed the complaint the credit was with BOA. BOA claims they have to contract XXXX. 

We are in middle of this nonsense. We demand of {$6300.00} and changes credit card to our account immediately and not no 45 days.