23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Last year my XXXX XXXX, XXXX XXXX XXXX XXXX, was purchased by XXXX XXXX XXXX. The transition was not very clean and after some issues with obtaining a new credit card due to the expiration of my existing credit card. I closed my checking, savings and credit card account in XXXX XXXX by visiting the local branch and requesting these accounts to be closed. This was after I waited a complete billing period to make sure all charges had cleared. In XXXX XXXX I received a letter from XXXX stating that I had a past due amount of {$15.00}. I called and inquired about the amount. At that time they said the account was closed with a {$0.00} account balance. They didn't know anything about the {$15.00}. I thought that was the end of it. 

Then around the XXXX of XXXX I received another letter stating that I owed {$39.00}. 
I called XXXX 's credit card processor XXXX XXXX XXXX and they verified that I did owe {$39.00} but could not tell me why since they recently took over processing for XXXX from the previous processor and they didn't have access to any previous statements. They stated they would order the statements which would take 7-10 days. I waited but no statements were delivered and as of this date I still haven't received any previous statements. During this conversation they also mentioned that my credit card with XXXX was still open I asked how that could be since I had closed all accounts in XXXX XXXX and they stated that the credit card account with XXXX was not closed. I requested that it be closed and a letter sent to me. 

A few weeks later I received another letter from XXXX with the past due amount of {$39.00} ( interest accrued ) and again I called to inquire. And again the same conversation was rehashed about XXXX unable to actually see the transaction from the previous processor. They again offered to order the statements and stated it would take around 4 weeks to get them. I asked if there was anyway I would be able to dispute the transactions from the previous processor and they didn't how that could happen. I requested XXXX to send me the statements from the previous processor. I don't have much hope of receiving them due to the past experiences. 

It seems that XXXX just received a balance due on accounts that were transferred and they really don't have much interest in resolving this issue since they have probably paid the outstanding balances to the past processor. They would incur the loss and not the previous processor. 

At that time it didn't appear that I could do anything if these were fraudulent charges so I paid the past due amount without ever knowing the actual origin of the charge. I felt like I was in a never ending losing battle. 

Once I closed my original credit card account in XXXX XXXX I did lose access to all statements since all of these documents were online and there would have been no way for me to know of any charges.
Product: Checking or savings account

i have contacted Chexsystems in regards to my consumer report. They are not investigating anything properly and are refusing to provide me with accurate information on my profile. I spoke with a guy names XXXX and i was told my consumer report was being wipe clean and there would not be any negative info on my profile. I called back a few days later and I was told something else by a different rep. They said they make there money by keeping things on consumer reports. Most of the individual that work for them are not American and rude and when i ask for an American rep the refuse to allow me the chance to speak with one. The are violated the fair credit reporting act. Can you please help. I even tried reaching a manager but no success.
Product: Debt collection

On the XXXX the of XXXX I checked my credit report after receiving an alert that a new collection accounts had been added. The account has been removed several times and this company keeps placing this on my credit. The debt is not owed and negatively affecting my credit score.
Product: Credit reporting or other personal consumer reports

This account does not belong to me and it has not been validated by the creditor.
Product: Student loan

I was talked into taking out a private student loan through XXXX XXXX by a parent in XX/XX/XXXX instead of a federal loan. This parent cosigned for the loan. I ended up not graduating due to being placed in the wrong degree and getting frustrated trying to get in the right degree. This happened in XX/XX/XXXX. 6 months later my loan came calling asking for their money. While I was living at home with my parent this was doable. Since then I have gotten married and have XXXX children. I bring XXXX around XXXX a month. My expenses run right at that a month even with government aid. My wife has been diagnosed with XXXX that occasionally leaves her XXXX. I have looked into other jobs but do not meet requirements to move into a higher paying job. My cosigner had XXXX 3 years ago and is still buried in debt from that. My loan has been sold off to American EDucati on services by this point. I have made an attempt to see if they can work with me to make this manage able and all they offer is apologies and that I can apply for forbearance. This loan has been collecting interest since I was approved. It had over {$3000.00} of interest before I even made my first payment. It is still over {$1000.00} above the original amount. I have made a majority of the payments with the cosigner help since the payments began. This is causing XXXX for my wife and I while trying to care for our XXXX children. It has caused tension between me and my cosigner over the financial stress. I have made use of forbearance since my wife and I got married twice I believe but neither was for a long period of time. I see no end to this debt that I do not really have a way to pay on.
Product: Student loan

I repeatedly requested American Education Services ( AES ) to apply additional payment amounts to the principle and they refuse, always assigned the supplementary payment to " pay ahead '' status.
Product: Mortgage

SLS purchased the servicing of my mortgage from XXXX at the beignning of XX/XX/2016. They sent me notification of the change. I registered as a new customer on the website. I started getting robocalls from them saying register on the site. NO message other than to register. ON the website no messages. When I tried to call they do not answer but put you on voicemail. Then I get a letter saying they are purchasing insurance for me since I do n't have it. I try to get in touch with them and again get in a voicemail loop. They purchased insurance for $ XXXX and when I finally in touch with someone on the phone to say that I had and have had homeowner 's insurnace continuously for the last XXXX years they said ok and sent me a letter saying that the insurance they had ordered had been canceled and my account had been refunded. Then in XX/XX/XXXX they raised my monthly mortgage payment by {$100.00} with no notice ... when I called and called and called and finally got to speak to a person, she said it was because of fluctuations in tax assessment ... I said that 's impossible since I have a tax abatement ... she said she would check. I called and called an called again and another agent said it was because I did n't have exterior insurance and so the escrow to cover the insurance had to be raised. I went through the whole song and dance about being ina condo and exterior insurance being covered by the association. Then she said it was because I did n't have homeowner 's insurance and XXXX had to get it for me. I never had a lapse in insurance coverage. they said it was because I did n't have insurance on the exterior of the building. I registered a complaint here and there was supposed to be an investigation ... this complaint agency just notifies the company and then let 's the company respond with " We need more time. '' After a certain period this bureau just erases the complaint or deactivates it. I saved a pdf of my complaint and it disappeared ... .SLS is buying insurance without due diligence to determine if a homeowner has insurance already, is giving that business to their own business associates, increasing mortgage payments without proper notification, probably targeting older people who are not aware and then creeating an overdue balance that they can later scoop down on and foreclose on ... they are also probably targeting properties in areas in which the values are going up. They do not accept phone calls directly but put you on hold or through a voicemail system and no one returns calls. They have no email address to contact them. The XXXX fax number that they provide is always busy and does not accept faxes XXXX I tried to send a fax documenting the insurance XXXX and it did not go through ). This company is scamming people. They were supposed to do a stats analysis of my escrow account ... but they have not credited my account with the $ XXXX charge for insurance but factored that into my escrow and now my mortgage payment has increased to {$30.00} more than then original fee. They are crooks. I want my mortgage amount back to the original amount agreed on.
Product: Vehicle loan or lease

I have asked American credit acceptance to defer my payment, they keep saying I do not qualify and make payment arrangements.. I keep getting asssed late fees, and going back in a circle. I lost my employment due to XXXX, my wife almost passed, still on XXXX, and I just started working again and cant get ahead.. my rate is XXXX plus percent and Ive always made my payments but now I need the help and they rather get fees, interest instead of helping me. 
Ive asked for help since XXXX and they refuse!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried unsuccessfully for the past several months to have two accounts removed from my credit report that have surpassed the 7-year reporting period of negative items. One is XXXX XXXX, which first because delinquent in XX/XX/XXXX, the other is XXXX XXXX, which first became delinquent in XXXX, and XXXX Mortgage. The current reports ( XXXX ) issued by the bureaus don't show the year XXXX in which the account first became delinquent, thereby extended the period the account can be listed. I have contacted the creditor and the credit bureaus ( XXXX XXXX, Equifax, and XXXX ).

The Federal Credit Report Act [ 15 U.S.C.1681C ] Requirements Relating to Information Contained in Consumer Reports : Running of Reporting Period : The 7 year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, which is earlier ), charged to profit and loss, or subject to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

If I have misinterpreted this statue, please advise.
Product: Checking or savings account

On XX/XX/2023 I noticed that a withdrawal in the amount of XXXX was taking out of my account I contacted the bank several times to try to retrieve such funds I am asking now that the funds be returned to my account immedy
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by TransUnion, XXXX, XXXX. TransUnion, XXXX, XXXX has violated my consumer rights and violated federal law. There have been Many attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit card or prepaid card

I was charged {$150.00} for smoking in a hotel room in XXXX New Mexico. I disputed the charge via email and pdf with barclays purusant to their guidelines and was never given a credit or any updates. They acted in bad faith and did not investigate this charge. I was not smoking in the room and the hotel has not shown any proof that I was smoking in the room. It is conejcture and hearsay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account EXPERIAN 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 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. 

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

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and infromation in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and infromation listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission and I am requesating you to please have the items removed from my Credit File as soon as possible : XXXX XXXX XXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$380.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$29.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX and I am writing this statement on my own behalf. Per 15USC Code 1681S02 ( a ) ( 1 ) ( a ( & ( c ) of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflecting on my consumer credit reports s they violate my rights as a federally protected consumer. Per the US Codes provides, they summarize that is is NO-Permissible for a consumer to report anything under any circumstances, without my written consent or instructions to do so. No consent constitutes as identity theft. As a federally protected consumer, i am demanding the deletion and removal of ALL the accounts listed in this report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I see that you verified the account listed below : DPT EDXXXX : Account number : XXXX, Not correct. Fix, update or delete the information for date open. 

DPT EDXXXX : Account number : XXXX, Not correct. Fix, update or delete the information for date open. 

XXXX | XX/XX/XXXX : Account number : XXXX Not correct. I have no recollection of authorizing this credit pull and I demand this to be removed. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every XXXX, I order my FREE reports from annualcreditreport.com. I  received my free reports from all except EXPERIAN. This year they are giving me grief, for some reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This complaint is regarding an alleged debt collection from XXXX XXXX XXXX. It appears that the company is a collection company contracted with several municipalities. they appear to be contracted with the XXXX County Courthouse in Idaho. They sent me to XXXX for collection on an unpaid infraction fee around XX/XX/XXXX prior to exhausting all appeal procedures in court. As a result of non-payment they also requested my license to be suspended by the Idaho Transportation Department. 

I inform the collections company that the appeal of the infraction was still pending after I got the first notice. On XXXX the Idaho Legislature implemented House Bill 599 which determined that all pending infractions for failure to pay/suspensions were cleared. I told the collections agency that but they are still harassing me.
Product: Debt collection

I paid the original debt owed to the doctors office. The doctor agreed to credit the miss appointment fees and said they would take {$980.00} to cover all the charges I contacted the collections company three times and they stated they would investigate the changes. The supervisor 's name I believe was XXXX and she never would contact me even though I left several messages
Product: Credit card

On XX/XX/scrub>XXXX XXXX I reached out to XXXXXXXXXXXX via XXXXXXXX  inquiring about XXXX XXXX XXXX. After conversing and sending proof, I went to pay her via PayPal. She was discussing how her PayPal only allowed in increments due to various reasons. I sent the amount in increments and after much conversation she says she couldnt send the tickets and would be refunding me. She has not sent the tickets I paid for and has not refunded me. Her XXXX  name XXXXXXXX. I have disputed through the credit card company but they did not approve it. Their PayPal is XXXX. I have attached screenshots of our conversation and the PayPal request that was cancelled by her and the additional request after I found out my credit card company denied the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to court and hired an attorney to settle the debt. I have copies of the mediation and settlement agreement and Equifax is still reporting it on my credit. I have attached copies of the settlement documents as proof in my file. Equifax is abusing its credit bureau priviliges against consumers in an effort to get money out of them and still not doing their part in holding up to their agreement. Equifax needs to block them in e-oscar so they will not be able to hurt the public and continue to manipulate consumers.