23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

back in 2020 when covid first came around i was having a hard time. XXXX XXXX XXXX XXXX XXXX with my at that time XXXX child. i caught XXXX  at work doing XXXX  and caused me to XXXX XXXX XXXX XXXX. i was having a hard time making the payments as i had so many other children and a mortgage so i had to choose. i asked santander to allow me to voluntarily surrender my vehicle since i no longer wanted it as # 1 i owed way more than what it was even worth. # 2 no longer making money. the vehicle was then SOLD at the auction and that price hasnt even reflected on what is showing on my report. i had a hard time and this car is really effecting me. XXXX  took a huge turn for my family and i am asking that this get forgiven and removed from my credit especially since the report is misleading because that isnt even the proper amount that is owed on the remaining balance.
Product: Student loan

In XXXX, I took out student loans for {$39000.00}. Since I have paid {$37000.00} in interest and {$6900.00} in principal, I still owe {$41000.00}. I owe more than I started with, even after spending almost the entire amount. Now, to understand, yes, I was late on loans ; I was in school and not working. Or I was just not able to pay what they were asking. I have tried working with Navient so many times. Navient talked me into refinancing my loans, and now I think they are more interest ; it states it was all from the same college, but I can't prove it is not. I know I did not take that many classes from XXXX. 
Here are the loan details. information XXXX Sallie Mae Smart Option XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Status Repayment Estimated Payoff Date XXXX/XXXX/XXXX {$9500.00} 5.750 % XX/XX/XXXX Hide more information XXXX Sallie Mae Smart Option XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Loan Status Repayment Estimated Payoff Date XXXX/XXXX/XXXX {$4500.00} 5.750 % XX/XX/XXXX Hide more information XXXX Sallie Mae Smart Option XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Status Repayment Estimated Payoff Date XXXX/XXXX/XXXX {$13000.00} 5.750 % XX/XX/XXXX Hide more information XXXX Sallie Mae Smart Option XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Status Repayment Estimated Payoff Date XXXX/XXXX/XXXX {$13000.00} 5.750 % XX/XX/XXXX I do believe I have paid what I owe, XXXX  Navient is expecting way more than triple for my loan.
Product: Debt collection

On XX/XX/XXXX, I received a letter from Capio Partners, in which they claimed they had purchased XXXX worth of medical debt that I they claim I owe to XXXX XXXX XXXX XXXX. I responded on XX/XX/XXXX requesting, in writing, verification of the debt, as I had never received a bill from this company.On XX/XX/XXXX Capio responded in writing and provided what they claim is the original bill. Upon further examination, this bill has my given name, yet has an address I have never lived at. Furthermore, upon checking my credit report, I discovered that Capio placed a collection notice on my credit report for two reporting agencies on XX/XX/XXXX. Please note that on XX/XX/XXXX I had not yet even received notice for Capio Partners of this potential debt.Thank you for your help in this matter.
Product: Debt collection

XXXX XXXX XXXX accepted payment, in the amount less than owed, in exchange for not reporting negatively on my credit. They told me it could take up to 30 days, but possibly sooner. I asked could it be sooner and was told its possible call us back after it posts. 

Here we are a week after I paid, but I am getting new updates from XXXX that they did not remove the balance but I only updated it. Extending the time they can sue and or report negatively. 

When I called and asked about a department leader to speak to, I was put on hold at XXXX in an attempt to get me to hang up. 

After almost 20 minutes, I got a new operator. Who didnt seem to know what I was talking about at all. 

I only paid to get them to leave me alone. If they arent going to leave me alone. I dont pay a collector to collect. 

How can they take my money, update the money owed, but not remove the debt which l I only paid to remove it. 

Why would I pay to retriever further payment obligations on an expiring debt? 

Exactly. 

The contract was for removal by XX/XX/XXXX. An agent of the company told me that when accepting payment. Now, agents XXXX and XXXX, spoke to today, are stating the earlier they will even contact the credit bureau is XX/XX/XXXX. 

I paid to have it removed by XX/XX/XXXX. If portfolio cant do that, they need to give me my money back or I will just go to the bank, Monday morning, and cancel the payment and never pay them at all. 

Its yall choice. XX/XX/XXXX Im calling XXXX XXXX and never calling, answering, or attempting to pay again. Then, they hung up in my face, while I was writing this, on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is provided wrong information about me They were included in my recent bankruptcy So I owe them nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

I have tried to reach someone at the collection agency and failed. I have called 4 times and had to leave a message to a " XXXX XXXX '' at XXXX, ext XXXX. It always went to voice mail and never a live person. I also emailed " XXXX '' two times providing my cell phone and email address and again no one ever responded from the agency. I found an alternative number, XXXX, and got an operator. They put me on hold for 10 minutes, transferred me to a collector and put on hold again for 5 minutes. Finally after validation, put on hold again. I called back went through the process again. Finally agreed on a settlement amount. To avoid me making a payment with the assumption of settling and they not living up to their end, I asked for confirmation email confirming our agreement. They would not offer an agreement and I had to take them at their word. This is very unsettling but I agreed to it. They said upon payment I would receive an email confirmation the payment and settlement agreement. That was nearly an hour ago. I called them again and they said the system sends the emails when it gets to them. While this may not be a violation of any Federal or State law, this company customer service is incredibly terrible and giving all collection agencies a bad name.
Product: Credit reporting

I uploaded a letter to Experian from XXXX and XXXX. The letter stated that an inquiry from them would be removed and it is still on my report. I called and spoke with a supervisor XXXX who refused to removed the inquiry even with the proof that I uploaded. I have uploaded the letter for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that I am an owner of a XXXX XXXX account which has been delinquent and now charged off. This is not my account and has nothing to do with me. This is my sons account. My son is XXXX years old and I am not responsible for his debts in any way. 

I wrote to the owner of the account, XXXX XXXX, in XX/XX/2016 and told them I was not a co signer on this account and they wrote back and said they had no proof that I had ever opened an account with them. 

According to the Fair Credit Reporting Act, if the company can not present proof that I opened an account they must change their negative records and take me off the account. 

This mistake is hurting my good credit report and I need it changed asap.
Product: Credit card

There is XXXX debt collection companies harassing and threatening me by saying they will take me to court if I don't pay the credit cards back. The companies are XXXX. XXXX XXXX. LVNV Funding LLC please help me to get both of these of my credit report please. I disputed these on Experian.com. nothing was done the companies keep resubmitting these to my credit report and making my scores continue to go down.
Product: Checking or savings account

I recently open an account with Citi Bank I had my money wired from my label and the same day my money made it to my newly opened Citi account they closed my account with no reason as to why just that fraud has been detected and said I have to wait 30-60 days for the account to close and 2 weeks for the check with my funds on it too be sent. that's all the money I have and I can't wait 2 months I have bills to pay I have to eat and I don't know what i'm going to do as of right now
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Good day I am submitting this CFPB Complaint today to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the XXXX, XXXX and Transunion Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft the Inquries are bellow : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NA Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided insome of them. Since I seen these Unverified inquiries I have filed A Identity theft report with the FTC. Which is also attached to todays complaint.. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. 

Thank you. 
XXXX
Product: Mortgage

Ive attempted to contact on numerous occasions Guild mortgage in regards to XXXX loan through XXXX XXXX renovation loan officer her manager and the third party company ( XXXX XXXX ) rep. XXXX XXXX whose to oversee the rehabilitation but to no avail the sale was closed without a walk through previous tenants still onsite refusing me access to property I purchased in XX/XX/2020, Sale agreement ( contract ) stated property was to be delivered tenant free thats the major and first problem. Secondly, XXXX loan has stipulation in regards to work for rehabilitation should be started within 30days of purchase and completed within 6 months. Til date work has not been commenced because tenants refuse to leave. Ive been trying to get help from Guild mortgage since XXXX but they are not providing me with any answer. I leave messages with callback information and no one calls back. In XXXX I started reaching out to third party company XXXX  XXXX for assistances Ive been told they will escalate to Guild Mortgage. Im still waiting. The frustration about this is Ive been paying mortgage on time since XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : [ XXXX XXXX ] XXXX Account number : XXXX ] XXXX : XXXX XXXX, XXXX ] XXXX Account number : XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : This is my second request to remove accounts in my credit that do not belong to me, credit accounts that are not mine and I didn't have any knowledge of, I found out that a report with the FTC and police report has to be file. So I'd like to ask for you help to resolve this issue and restore my credit reputation. Thank you.
Product: Debt collection

On XXXX XXXX, 2015 I sent a validation letter to the Phoenix Recovery Group requesting information on an account they claim I owe. They provided a respond in XXXX XXXX, 2015 to validation with an investigation of debt owed. They provided a contract of the original creditor along with a itemized sheet/description of charges. On XXXX XXXX, 2015 I responded by requesting additional information related to agency fees and additional fees. They have not provided a response to the XXXX XXXX, 2015 letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX DPT / XXXX # XXXX DPT/ XXXX  # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX mi XXXX Inquiries XXXX XXXXXXXX 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 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX reported me more than 30 days delinquent when I was in COVID related forbearance several months ago. I have tried for months to resolve this with them. I submitted copies of the credit report, as they keep saying they need that to do further review. Finally a customer service representative did a full review of everything in my file, and sent the letter showing my forbearance to the credit dispute division. Then I received an electronic copy of a letter in my XXXX login on XX/XX/XXXX saying a correction was sent to the credit reporting bureaus and to allow 30-45 days for correction to go through on my credit report. I got an alert on XX/XX/XXXX from one of the credit reports I monitor, saying there was a change to my credit sector. I logged in, and it said on XX/XX/XXXX my account with XXXX  was updated to current. However the 30 days delinquent mark is still there in the report. It needs to be removed, as it was clearly a mistake and XXXX  has admitted this. But my thinking is they did not make it clear to the credit bureaus that they made a mistake, they would rather just imply that I paid up and am now current instead of admitting that they falsely reported me delinquent and made me suffer all these months to convince them to correct it. XXXX XXXX XXXX XXXX needs to contact the credit reporting bureaus and tell them to REMOVE COMPLETELY the 30 days delinquent mark on my credit report, because it never happened. It was a mistake on their part, I was in forbearance at the time, and needs to be deleted off my credit reporting record in order for my score to improve to what it was before they made this horrible mistake. Its not fair or right to tell the credit reporting bureaus that I paid off the 30 days delinquent and am now current, instead of telling them the truth which I was never delinquent at all. That 30 days delinquent charge is still on my credit report for anyone to see, and it will prevent me from getting a car loan, a credit card, etc for the long term foreseeable future until they do what is right and tell the credit bureaus the truth. Attached is the proof of my payment history with XXXX, including the letter of forbearance for the period in question on my credit report. Plus copies of the negative report still on my credit as of this week, and the new verbiage which states I am now paid as agreed, instead of stating the truth which is that I was never delinquent at all. This negative mark needs to be deleted entirely off my credit repertoire, which the credit bureaus will never do unless XXXX is upfront and direct with them that they made a mistake.
Product: Credit card

Mine and my father 's account has been hacked about 5 times this year and multiple times last year. I have demanded to know what PNC is doing to protect our information, they have provided me with nothing, and our information just keeps getting stolen and other people are able to use my dad 's card information. So that is my main complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts do not belong to me I have been trying to resolve this issue but I get nowhere, I'm a XXXX veteran and I'm trying to buy a home and this is stopping me from doing so, all the accounts info is below. 

XXXX Opened XX/XX/XXXX Balance {$7700.00} Account # XXXX XXXX XXXX XX/XX/XXXX Balance {$1500.00} XXXX Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$760.00} Account # XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$690.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$630.00} Account # XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$520.00} Account # XXXX XXXX   XXXX XXXX Opened XX/XX/XXXX Balance {$480.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$330.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$260.00} Account # XXXX XXXX   XXXX XXXX Opened XX/XX/XXXX Balance {$180.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$170.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$160.00} Account # XXXX XXXX   XXXX  Opened XX/XX/XXXX Balance {$140.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$100.00} Account # XXXX
Product: Student loan

I have worked in XXXX service s for 10+ years. I submitted my application for Public Service Loan Forgiveness, and after verifying with each of my previous agencies, they determined that all of my agencies were qualified. I then received an email from XXXX XXXX saying that I had not been making qualifying payments and would have to consider shifting my loans to them. I sent them an email question asking how my payments did not qualify and received a form letter with the same language as the website, explaining nothing. At no point did I consent to switch my loans to them. On XX/XX/2018 ( dated XX/XX/2018 ) I received a letter saying XXXX  was my new service provider. Again, I did not consent or agree to this, having more questions. On XX/XX/2018 I received an email saying I had a payment due on XX/XX/XXXX that was now late. I never received anything from them stating an amount or due date. Meanwhile, I made my existing payment to my current vendor on XX/XX/XXXX.

Today, I called them and was told that they had no record of me making a payment to my previous vendor and that I had to " prove it '' to them. I was also told that I had filled out the wrong form ( I filled out the one on the US Department of Education website ) and that I had to fill out the IDENTICAL form with the slightly different number on it to get a waiver on my non-qualifying payments. I was further told that reapplying with the exact same form will re-start my application and require them reverify all of my employment - a three month process, if I'm lucky. The national funding will almost certainly be gone by the time this is completed.

I am beyond frustrated. I started out trying to take advantage of a lovely program that rewards community service and I now have a late payment to a vendor I didn't chose and don't trust for an amount that makes zero sense ( they say I owe {$94.00}. My original payment to my existing vendor was {$250.00} and my new payment is {$240.00} ). I'm not even sure if I should pay them. Please help!

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is EQUIFAX 'S duty to report correct and accurate information on my credit report and file, however they are NOT. 

EQUIFAX is reporting 1 inaccurate late payments for the XXXX XXXX  XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/XXXX for this account. 

In addition, EQUIFAX is reporting 3 late payments for the XXXX XXXX XXXX XXXX account. This includes 30 day late payments posted in XXXX, XXXX and XX/XX/XXXX for this account. 

In addition, EQUIFAX is reporting 3 late payments for the XXXXXXXX XXXX XXXXXXXX account. This includes 30 day late payments posted in XXXX, XXXX and XX/XX/XXXX for this account. 

In addition, EQUIFAX is reporting 1 late payment for the XXXX XXXX account. This includes a 60 day late payment posted in XX/XX/XXXX for this account. 

In addition, EQUIFAX is reporting 2 late payments for the XXXX XXXX account. This includes a 30 day late payment posted in XX/XX/XXXX and XX/XX/XXXX for this account. 

These are incorrect and need to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit card or prepaid card

contacted capitol one due to paytoll cut of XXXX and taking back former dependents without benefit of assistance.also XXXX illness has affected houehold.sole wage earner at only XXXX per month/i called capitol one last month asked for a long term solution.they only offered 1 month deferment said they had nothing else and continued to charge XXXX intrest rate / i took the one month and need assistance long term .they have to be kidding??