23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been very open and honest with Sallie Mae about my difficulty to repay my loans because I am not making what I expected after graduation. It took me 6-7 phone calls and multiple line transfers to receive what little help I managed to get. I was told by multiple employees of their company that my best and only option was to let my student loans fall into default so they could be send to a collection agency, where I would receive assistance. I have also been told to pay them or " else. '' I have been told that they " do n't have to do anything and do n't care about '' my issues with repayment. It is shocking how quickly their attitude changed when my loans entered repayment. When applying for these loans, I was led to believe that income-based repayment options would be available to me after graduation if I was unable to make the original set payments. I am currently using graduated repayment on the loans I have that qualified, but even with this option, the payments are still too high - almost half of my monthly income. I try to be financially responsible and do not want to see my credit and potential future ruined over their lack of willingness to work with their customers.
Product: Credit reporting or other personal consumer reports

I pulled my credit report last month and found a few errors as far as my personal information. I have more than one non-mailable address listed on my report and I have not only called transunion but Ive also written a letter. Which I have not heard back or had my personal information update this is a violation of the fair credit reporting act. As a federally protected consumer I am requesting that my information be updated immediately. I am also requesting to be compensated as stated per the fair credit reporting act.
Product: Mortgage

My home mortgage services Wells Fargo does not appear to be working with me in earnest to prevent me from losing my home in XXXX Massachusets. I have been ensuring compliance on every request. They previously turned down an offer to purchase by a qualified buyer because he was under their minimum XXXX. While I did n't want to sell the house, I was led to believe that this was my only option. It has been an incredible year of stress and what appears to be an endless spiral of red tape and even confusion by Wells Fargo 's own " loan preservation specialists '' - who appear to never know anything. I just received a loan modification offer that is literally just a few XXXX dollars less than what it was. It 's unacceptable when I have already paid beyond XXXX for this house. I really need help but I 've heard conflicting statements from my bank representatives. One moment I hear I may qualify for deed in lieu - next I hear that I do not qualify. I 'm at the point where I can afford to pay a reasonable amount to keep the home but I can tell that they do not tell you anything that can help you. They purposesly keep options from you unless you specifically ask about it. Then the preservation specialist tells you they need to find out. I really need help. I know the bank could work with me just a little harder for us to keep our home. We 're not that far from having a viable program, that a XXXX bank that ruined the economy anbd received XXXX bail-outs could afford to live with for a family who has already paid over XXXX in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XX/XX/2013 {$1100.00} sent : Deployment Paperwork, Police report and identity theft affidavit I contacted the company directly and was given the run a run, nobody wanted to assist in the matter I faxed and mailed requested docuements to the company directly along with each of the three credit bureau.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy and validity of a repossession and charge-off account reported on my credit reports by all three major credit bureaus : XXXX, XXXX, and Equifax. Despite my efforts to ensure timely payments and maintain accurate records, these entries have negatively impacted my credit score. I am specifically requesting validation of the following : 1. **Competent Evidence** : Verification of all calculations, accounting audits, dates, and balances related to the account agreements I have with the reporting company.

2. **Validation of Debt** : Clear and indisputable documentation of the consumer-credit contract, bearing my lawful signature, which outlines the terms and conditions I agreed to and may have led to any derogatory marks on my account history.

The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and relevant state laws mandate that all reported information must be accurate and verifiable. In this case, the necessary validation and competent evidence seem to have been overlooked, resulting in the incorrect reporting of the repossession and charge-off status across all three bureaus.
Product: Student loan

They are calling my employer and my work extension repeatedly every day rather than calling my mobile number. They are telling the receptionist personal information. I am trying to work with them, but this is harassment at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is fraudulently reporting false information to my credit report XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NC is not an address I reported the manner and all they did is update the information to the same information Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My rights have been violated I have asked numerous times to have this address removed from my credit report They have claimed that this address has been verified by an account that I have also disputed And was charged off the written of on the collectors taxes in which they have been paid in full for the debt yet still illegal reporting to my credit report for payment Failure to delete this address from my credit will result in all parties willing fully and knowingly engaging in the theft of my identity and illegally wrongfully accessing and obtaining my personal information to continue to report such fraudulent activities and I will file a civil lawsuit
Product: Debt collection

CMRE FINANCIAL has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major surgery. I have never done business with CMRE FINANCIAL yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail.
Product: Debt collection

EOS CCA keeps calling me about a 5 year old XXXX debt I incurred when I was waiting for XXXX. They yell and scream and are quite threatening in tone. They repeatedly call my daughter and ex husband of 25 years.
Product: Debt collection

I got reached out to by the law offices if KIMBALL TIREY STJOHN stating that I owed them a collection for an apartment I lived in. They stated that I owed a certain amount for moving out prior to letting them know 60-days in advance. I let them know over 30 days in advance. They stated the lease agreement says 60-day notice shall be given prior to vacating the apartment. However, My lease agreement ended on at the end of XXXX XXXX and I entered a " Month-to-month '' agreement where I was paying as much as + {$400.00} extra each month just to be on a " month-to-month '' agreement because I was planning on moving out in an uncertain time period. I gave them ample time with over 30 days, but they insisted on charging me extra money because it wasn't at least 60 days according to the expired lease agreement. This is hurting my credit and making it difficult to buy a home for my family. I also requested that they provide me proof of validation from one of their attorney 's that the collection is legally justified multiple times and I never got this.
Product: Debt collection

I was at the end of my 2-year contract with XXXX XXXX , I told them I didn't want to commit to another contract, I would pay month by month, since i had them for a while already, after one month they told me I must sign a contract. I refused and returned their equipment in the box they sent me. It took six months for them to remove that from the bill, I was willing to pay one month 's usage, but refused to pay an earlier contract fee. My 2-year contract ended XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX Balance Owed : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained to Capital One credit card company via ( telephone and later formal dispute ). I received two different responses on the same day ie ; XX/XX/2018. I called into customer service on several occasions asking someone to to a complete investigation into my complaint including reviewing telephone notes from each time I called in to address the " late payment '' accusations each time. As I continue to say ; This account was supposed to be set up on Auto Pay. AND at the time of me first opening this credit I was out of state. 

I was told by the many different customer service reps that the problem was not caused by me and it " the auto problem '' will be fixed. That is why each time the service fees were reversed. 

After I became aware that the problem would not be fixed. I immediately made payment to correct/ lower the balance. Again, I was under the impression the account was set up for automatic payment deduction each month. I was also under the impression at that time when the account was first open, -- -- that the account would be investigated and corrected and I had nothing to worry about. To LATER FIND OUT that nothing was changed/investigated/updated. I called plenty of times to address this with multiply customer service agents/reps. Please note that the only time I received a letter is a result of filing a dispute with the credit bureau and than following up with two different supervisors. I am not trying to be ungrateful or spiteful. However, this is not fair the way I am being punished for the company not correcting its payment acceptance. I can not rent an apartment or get a job because of this reporting. Please consider making an adjustment for me .... Thank you.
Product: Debt collection

On or around XXXX XXXX 2023, my identity was stolen and several fraudulent accounts were created ( XXXX XXXXXXXX, Macys, XXXX, XXXX  and Best Buy ) and XXXX of dollars was charged. I immediately contacted these companies and notified them that my identity was stolen. After an investigation, all of the companies have found that these accounts were fraudulently created did not hold me responsible, except Best Buy. I have appealed that and sent them information they requested and they are still hold he responsible and will not tell me why. 

Please let me know what information you need. 
Thank you, XXXX XXXX cell XXXX
Product: Money transfer, virtual currency, or money service

Responded to an ad for a ticket to XXXX. In XXXX I communicated via email that I would send funds ( very foolish will of course not do again ) and retrieve the wristband/ticket when they were shipped mid/late XX/XX/XXXX. Transaction was made through peer-to-peer service XXXX which works through my bank PNC. 

Contacted PNC, after going through a fraud / dispute was told some time later ( today XX/XX/XXXX ) that there was nothing they could do. 

Received a ticket/wristband from a friend and didn't need to go through with this transaction. 

I let the other party know this, was told I would be refunded when they got a chance to resell the ticket. Then I never heard back from them. 

I never met with the seller as we had originally planned and never received anything from them. 

Funds were sent to a person identified in XXXX as " XXXX XXXX '' with email. Also have email - XXXX or phone number XXXX. 

I have sent several emails and requests for the {$190.00} to be sent back to me, all have been ignored. I have the email and phone number that this person used for me to send them money fraudulently.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - XX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) - XX/XX/XXXX XXXX XXXX XXXX  ( XXXXXXXX XXXX  ) - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX
Product: Credit card or prepaid card

Hello, My name is XXXX XXXX I believe I was wrongful do by amongst Capital One secured credit, and XXXX XXXX  checking account. 
I had a secured credit line of XXXX $ which is not allowed 10 % over. 
Capital one pulled multiple payments XXXX {$300.00} $ payments from my bank ancount to the point it overdrafted my XXXX  XXXX  XXXX . However on the credit card it stated I never paid a bill on time and I infact owed them the XXXX $ The pulled from the bank. Months of calling both the bank and capital one and have three way calls and be promised checks NOTHING happens. I now go without food, medications, spiral into XXXX because of debt fear I destroyed my first line of credit losing my car and apartment. They end up making me pay XXXX $ when my account was positive XXXX $ before this mess. They made me lose my home. Capital one shut my credit card off. They did not acknowledge the severity of the problem. Left me financially in a dark place all winter and I want to sue.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

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

This inquiry does not belong to me and appears to be fraudulent. I have no knowledge of these inquiries and request that you take immediate action to address this issue. I have attached relevant documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from Lexis nexus stating they have no bankruptcy on file from me .. XXXX  continues to say they verified this account with Lexisnexis ... is XXXX  verify this account when I have provided a letter from the vendor Lexisnexis . This is my 4th time send this letter
Product: Credit reporting

TODAYS DATE:XX/XX/XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX FL XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX XXXX, Texas XXXX XXXX, XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX CUR WAS 60 XP/XXXX Late Dates : LAST LATE DATE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF XXXX Late Dates : XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX XX/XX/XXXX-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF XP/XXXX/XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Ive been trying to reach out to settle my debt. I spoke with them once and havent been able to get in touch with them since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of 4 accounts on my credit report that do not belong to me. The only reason I discovered them is because I am trying to rent an apartment and today XX/XX/20 I applied to rent an apartment and i did not get approved because of these accounts. I did not open any of those accounts and I have never allowed anyone to open those accounts in my name. I did not benefit anything at all from these accounts nor did i make any purchases or payments towards these accounts. I have filed this report to the best of my knowledge and I also filed a police report.
Product: Student loan

With Navient, my loan went from XXXX to over XXXX in interest because of forebarence.
Product: Checking or savings account

XX/XX/XXXX I opened an eligible Citi priority checking account and savings account to fulfill Citi priority account bonus opening requirements. I funded the account within 30 days of account opening ( XX/XX/XXXX ) with at least {$50000.00}, the funds remained for 60 days, to fulfill Citi priority banking account bonus requirements, which were told to be paid out within 90 calendar days. 

Through this time period, I was repeatedly told by Citi customer service representatives that I was acting accordingly to fulfill bonus requirements and that my bonus requirements have been met and was most certainly getting paid out soon, I just needed to wait some days longer. Unfortunately I do not have additional records other than from the Citi messaging system, as i was not expecting this bonus claim process to come to this, 3+ months later, but these contacts alone very well document my issues ... 

XXXX - " You have qualified for the bonus offer on XX/XX/XXXX. So the bonus amount will get credited in the account within 90 calendar days starting from XX/XX/XXXX. '' XXXX - " it takes another 90 days time frame for the account bonus to get credited on your account mentioned on the terms and conditions '' XXXX - " you will receive it by the end of XXXX month '' XXXX - " it will be credited anytime in the 90 days '' " allow 2-3 days for the credit '' XXXX - " Need not worry you can expect the bonus amount in your account before 90 days form the 60th day where you have maintained the funds in your account '' " So you will be getting the bonus on or before XX/XX/XXXX '' These conversations in the chat window are captured in texts attached. Calling I was told similarly, and calling again on XXXX, XXXX talking to an account executive confirmed I was eligible and opened up yet another account dispute on the subject.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Debt collection

I am contacting you with hopes to have this negative information removed from my bureau.  I have no knowledge of these accounts and have been a victim of identity theft and fraud.I have attached the police report, FTC Identity theft ID, and FCRA Furnishers letter as a consumer for protection and rights.