23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My problems with XXXX started in XXXX when my recert was due for my repayment plan. My payments prior to XXXX were affordable, then I get a letter saying that my payments have been changed to {$190.00} a month. I called and told XXXX that my husband and I have way to much bills and I cant make that payment. They stated I should apply for a forbarence on my pond. A guy on the phone helped me fill out the application and then told me to reapply for a different repayment plan.. so I did. My account was placed on hold and I received several letters about me being approved for forbarence until XX/XX/XXXX. I received a bill in XXXX for $ 5000+ due on my payment date. I called XXXX  immediately and asked what was going on. I was told that this was built up interests from being on forbarence and not making any payments. I was then told it would be added onto my loans soon as my new plan was approved. I was also told that I missed my {$5.00} payment that I never got a bill for for my new application/forbarence. I check my account on XX/XX/XXXX because I received a letter stating that my new balance of {$200.00} is due on XX/XX/XXXX. I paid this amount on XX/XX/XXXX. I checked again at the end of the month to see if my payment was applied and my account said I had {$200.00} due again. I didnt have the money to pay, but I did and it left me with less than {$50.00} in my bank account. I called XXXX immediately and asked what was going on. I was told that I did not request for the {$5000.00} to be capitalized on my loans. I told the man on the phone that this was the first time I heard XXXX  say anything about me having to request it to be capitalized. He told me that once I am approved for this capitalization, then I need to call back and request that the two {$210.00} payments I made in the month of XXXX to count toward my loans and my PSLF. I receivived a text message today from XXXX stating that I missed my payment date on XX/XX/XXXX ( even though the bill stated I owed XXXX and I paid it twice ). I am so tired of XXXX  finding ways to get more money out of me especially when I told them that our debt to income ratio is on the bad side. They really XXXX with my account and my financial life. 

I would like to attach all the letters I received from XXXX  but there are so many!
Product: Vehicle loan or lease

This company is horrible!!!! They are not giving me the option to make lower payments due to my financial situation. I have called and tried to set up a payment plan recently and was hung up on by one of the representatives. I was also disrespected and belittled during the phone call. I have asked this company multiple times to work with me because I am a single parent with no help. I am doing everything on my own and my job doesn't pay much!!!!! This company does not want to work with me instead they make me feel horrible!!! There needs to be something done about this and I need an affordable payment plan that I am able to afford each month!!!! This company is facing multiple lawsuits because of the way they prey on customers who not only have bad credit but have a problem making those high monthly payments. This need to be corrected. This company is threatening me!
Product: Debt collection

Mariner Finance keeps calling me at work after I have told them to not call me at work. I have fallen behind and I'm trying to get caught up but phone calls to my job is not helping. In fact it may cost me my job. I told them I'm not allowed to receive calls at work but they still continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Amount : {$1100.00} Date Opened : XX/XX/2022 Youre reporting an account that does not belong to me. Im requesting a 30 day investigation to prove this debt belongs to me. If you can not send me proof please delete this from my credit report immediately. Below are a few things I need to see in 30 days if not please remove from credit report. 

* Please show the original contract with my signature that shows I owe this debt. 
* I need to see the assignment contract between you and the original creditor. 
* Proof that this debt is within the statute of limitations in the state of Pennsylvania. 
* Proof that you are a licensed and bonded debt collector and can collect debt in the state of Pennsylvania. 

Thank you Ill be looking to hear back in 30 days, if not please remove this unknown account from my credit report.
Product: Checking or savings account

My bank account of 8 years was compromised/hacked on XX/XX/ while I was on business in a different city I didnt notice this was happening until I had came back home and seen my account was used to deposit fraudulent checks and transfer money to random people Ive never transferred money to before the total amount that was deducted from my account was a total of {$2800.00}. I proceeded to call Huntington Bank and their fraud department and let them know what has happened and that all I could do was open a new bank account and wait while they investigate what happened. They proceeded to say the transactions were valid and I now have to pay that amount out of my pocket. I continue to press them and inform them that these transactions were not authorized by me and needs to be fixed. It is now nearly a month later and I have yet to hear a response regarding this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit Reporting act THE XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Vehicle loan or lease

I purchased my vehicle 4 years ago for XXXX and every year the balance never changes and the balance remains the same. Santander USA over the top interest rates make it impossible for any principle to be paid. This can't be lawful and throughout my economic hardship they have refused to lower the interest. Please help me
Product: Debt collection

I have been receiving multiple phone calls, sometimes per day. Blocked numbers, spoofed numbers, etc. The agents are dismissive when I tell them that the debt was sent to them in error. I applied for and received a credit card but did n't end up using it for my dental work. I have the receipt for the cash payment. I 've tried calling XXXX XXXX - where the debt seemed to originate - but they say that once the debt has been sold they can not retrieve the information that would clear my name. 

The agents from this company, Credit Corp Solutions, have heard all of this information but do not seem interested at all in it. They repeatedly say that they only want to discuss how I can pay them. If I try to disengage the conversation because I am driving or my children need my attention, the agents will firmly try to keep my attention to their call.
Product: Mortgage

Our mortgage company Flagstar did not pay the correct amount of taxes for XX/XX/XXXX/XX/XX/2019 and now our city (XXXX XXXX, NJ) has sent us two letters, the first dated XXXX XXXX stating that our home will be sold in a tax sale if we do not pay the delinquent taxes by XX/XX/XXXX. We have been trying to correct this mistake with our mortgage company Flagstar since XX/XX/XXXX however they have not done anything to find out why this happened, who is responsible for the late fees and how we can get this paid so that we do not lose our house.  Every time we call them they tell us to resend the documents and that they don’t know why nothing has happened yet and that they don’t know when it will be resolved.
Product: Credit card or prepaid card

Bank of the West could not get a correct statement to us, for some reason. We contacted them numerous times. They fraudulently charged us late fees, when their rep stated that we would not be charged fees because they obviously could not get us a statement in a timely manner, for us to verify that the charges were in fact ours. The Bank is still sending us late fee statements on top of late fees, and harassing us with phone calls weekly. We started a complaint No. XXXX with CFPB and it was never resolved. We just want them to stop this. XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED INQUIRIES XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INACCURATE INFORMATION TransUnion No balances with Conns. It states I owe {$1600.00}
Product: Credit card

I tryed activating my card and they keep asking for other cards I have and there numbers Ive called a couple times and they keep asking me for verification after I give them all my info to verify my account then I said I dont even want the card cancel it and they said they cant cause they cant verify its me like they asked for my social and all this stuff just to tell me they need more and now they wont even cancel it Im kinda at a loss
Product: Credit card or prepaid card

XXXX is claiming that I made a purchase on XX/XX/19 of {$990.00} XXXX is claiming that I made a purchase on XX/XX/19 of {$990.00} I have disputed this with them several times and provide proof that this transaction was fraud but they refuse to correct they state that merchant sent them proof that I signed but when I show them proof that I did not sign they base there decision on there opinion instead of following law.
Product: Mortgage

I contacted PHH mortgage company and asked about having my payments deferred/forbearance and was told I could have them deferred for 3 months and the 3 missed payments would have to be paid at the end of the 90 days
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR THE PAST SEVERAL MONTHS EXPERIAN HAS REPORTED SOME FRAUDULENT ACCOUNTS AND ADDRESSES TO MY CREDIT FILE. AFTER TWO FRAUDULENT ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  WERE REMOVED I NOTICED THAT THESE ADDRESSES ARE REAPPEARING ON MY CREDIT REPORT AND SHOULD NOT BE. I'VE NEVER RESIDED OR ESTABLISHED OPENED ANY ACCOUNTS ASSOCIATED WITH THOSE ADDRESSES. I HAVE SENT EXPERIAN SEVERAL NOTICES REGARDING INACCURATE ADDRESSES AND ACCOUNS BUT EXPERIAN CONTINUES TO VIOLATE THE FAIR CREDIT REPORTING ACT AND MY RIGHTS AS A CONSUMER. THIS IS UNACCEPTABLE NOT TO MENTION THE REPORTING OF TWO FRAUD RELATED ACCOUNTS FROM XXXX XXXX AND XXXX XXXX WHICH EXPERIAN HAS RECEIVED A RECENT POLICE REPORT WITH THOSE ACCOUNTS INCLUDED IN THE POLICE REPORT XXXX XXXX # XXXX
Product: Credit card

I was sure I had set up automated payments. The XXXX statement claims the payment was late. I wanted to verify the status of automated payments. Calling the Bank of America customer service phone puts me into an infinite loop and does not give me an agent to discuss the situation with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recall having any debt with XXXX other than the account I paid off the full balance, this is an incorrect account and should be deleted. I ask the company reporting to show my signature in any document that proves that the account stated belongs to me. If not provided accurate information related to the account, I request the immediate deletion of the referenced account.
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 1681. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

In XX/XX/XXXX, while XXXX XXXX XXXX full-time, I took out a Citi credit card to assist in making every day purchases as I had very low income. During the period in which I used the card for purchases, between XX/XX/XXXX and XX/XX/XXXX, I charged a total near {$6000.00}. Payments on the account have almost always been current with very limited past due payments. 
Since beginning making charges in XX/XX/XXXX, I have always made a monthly payment often higher than the minimum amount due.

However, to date, in XX/XX/XXXX, my balance remains close to {$4000.00} and the company is unwilling to settle the remaining balance unless I allow the card to go into collections, ruining my credit. 
At the time that I took out the card in XX/XX/XXXX, I was XXXX years old and did not understand that I would be paying on the card for the next 11 years. I have since gotten married, started a family and am still paying off this debt incurred during college. I feel strongly that Citi credit card company has taken advantage of me as a young person who did not know better. They used predatory lending practices to prey on me as a XXXX XXXX, instituting high interest rates on my card, and have refused to allow me to settle the balance remaining on my account. 
Just today I tried to settle the account and was informed by both a Customer Service Representative and the Customer Service Manager, XXXX, that I am not eligible to settle because I have been making current payments. If the account would go into collections, they would settle it then. However, because my account is current and I have been making payments toward Payment Protection Insurance, I am not allowed to settle this account. 
These practices take advantage of consumers in a young, volunerabble state and do not allow those consumers to settle or close out their account balances a decade later when they are trying to raise a family. This type of predatory practice results in my family 's inability to rise above the credit taken out years earlier and move on to something new. 
As such I would ask that the company be made to explain why they refuse to settle an account without first ruining the credit of the individual consumer involved.
Product: Checking or savings account

On  XXXX    XXXX  ,2017 I put in a request for my information to be updated so I could receive a Ac cess Code to send money using wells Fargo sure pay. I rec eived the email stated that my information has been updated and to allow time to receive code. I called on  XXXX   XXXX ,    2017  to get the code and they advised me the ticket was never put in and I would have to wait for another ticket to go in. I was  on the phone with three different representatives for almost 50 minutes just for them to tell me I still hav e to wait. This is BAD SERVICE and it is UNACCEPTABLE!! Clearly, some additional training is needed because work orders are not being handle properly! I feel my business at the bank is not being taking seriously and will be closing this company 's account. I AM TRULY UNSATISFIED WITH THIS COMPANY!!!!
Product: Credit reporting or other personal consumer reports

EXPERIAN IS VIOLATING CONSUMER 'S FEDERALLY PROTECTED RIGHTS, INCLUDING BUT NOT LIMITED TO 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third parties. Furthermore, EXPERIAN is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. Please provide a copy of each written authorization that was provided, allowing the proceeding disputed reporting and 12 CFR 1016. 10 - Limits on disclosure of nonpublic personal information to non affiliated third parties. Experian is also not reporting accurate information, CONSUMER 'S LEGAL NAME is XXXX XXXX not XXXX XXXX and there should be no other spelling or variation or alias and any account attached to such should also be removed. EXPERIAN IS VIOLATING AS CONSUMER HAS NOT GIVEN ANY WIRTTEN CONSENT OR PERMISSION NOR ANY PERMISSABLE PURPOSE FOR THESE COMPANIES TO ACCESS NOR FOR EXPERIAN TO REPORT. DISPUTED INFORMATION INCLUDED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is one of my multiple attempts to notify the TRANSUNION credit bureau that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On several occasions I have requested original contract or lease with my signature to be mailed to me they are showing a debt for a collection of {$280.00} for something i did not a signed I believethat their employees at XXXX XXXX stole my information.. i want this removed from my credit also the company is reporting a debt for XXXX XXXX which I could not live in because it was inhabital see attachment.
Product: Credit reporting or other personal consumer reports

Following my recent review of my credit report, I have identified more inaccuracies that need immediate investigation and correction. Below are the specific disputes : 1. Account : [ XXXX ] ( Account # XXXX ) ** This account is listed as Collection/Charge-off with a derogatory status. 
Charge-offs : As per 15 U.S. Code 1601, creditors are required to provide all disclosures under the Truth in Lending Act, which were not provided in this instance. 
The payment history shown does not accurately reflect the reported balances or activity, which constitutes a violation of accurate reporting under 15 U.S. Code 1681e ( b ). 

2. Account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) This account appears as a Collection/Charge-off but lacks sufficient documentation to substantiate the debt. 
Collections : Under 15 U.S. Code 1692 ( c ), I did not consent to communication or debt collection activities by this agency. Without my explicit consent, this listing is invalid. 
The comments section indicates a dispute that remains unresolved, yet it still reports derogatory status inaccurately. 

3. Account : [ XXXX ] ( Account # XXXX ) ** The reported status as Collection/Charge-off includes a balance of {$21000.00}, but the comments show unresolved disputes. 
Disputes : As per 15 U.S. Code 1666 ( b ), a billing error or dispute must be properly investigated and resolved, which was not the case here. 
The payment history indicates inaccuracies that are not supported by sufficient documentation or evidence. 

4. Account : XXXX XXXX XXXX XXXX ( Account # XXXX ) ** This account reports Collection/Charge-off and an unpaid balance of {$88000.00}.

Charge-offs : According to 15 U.S. Code 1601, creditors must adhere to disclosure requirements under the Truth in Lending Act. Without full compliance, this reporting is inaccurate. 
Additionally, the payment history shows derogatory marks that do not align with factual payment records. 

Requested Action : I request the immediate investigation and correction of the listed inaccuracies. Specifically, I ask that you : 1. Verify all reported balances and payment histories with sufficient documentation.

2. Remove all inaccurate, unverifiable, or incomplete information from my credit report in compliance with 15 U.S. Code 1681i.

3. Provide a detailed written response within 30 days of receipt of this letter. 

Attached are copies of my credit report highlighting the disputed entries, as well as additional documentation to support my claims. Failure to resolve these issues promptly may result in further action under applicable consumer protection laws. 

Thank you for your immediate attention to these matters. I look forward to your timely response.
Product: Credit card or prepaid card

Disputed to Midland Credit amount incorrect. I lost my job due to Covid-19, and credit card company didnt wan na help me
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXXXXXX XXXX and XXXX located in XXXX, XXXX XXXX has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, EXPERIAN AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.