23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, a Presentment under notary seal of dispute and verify the alleged debt was sent to XXXX XXXX XXXX  dba XXXX Fedloan Services. XX/XX/XXXX a Notary Certificate of Dishonor and Non-Response was sent. Fedloan Services continued to send collection notices for this alleged debt that they would not validate under THE FAIR DEBT COLLECTIONS PRACTICES ACT, FAIR CREDIT REPORTING ACT, 15 USC 1692G AND TRUTH IN LENDING ACT. On XX/XX/XXXX Fedloan Services accepted a permanent loan modification fully satisfying the alleged debt. Money Order XX/XX/XXXX XXXX was accepted and applied to alleged debt on XX/XX/XXXX having the Contract statement written in a conspicuous place : Full Satisfaction of all Claims. The terms of the contract  are clear according to XXXX Maryland XXXX COMMERCIAL LAW 3-311 & UCC 3-311. The alleged debt has not been discharged according to law. Fedloan Services is now threatening wage garnishments by way of the UNITED STATED POST OFFICE.
Product: Student loan

Ameritech Financial, and or XXXX XXXX XXXX XXXX ( XXXX  ), lead me to believe they were a loan servicer for the Department of Education. I had no idea they were not a legitimate servicer until I received a noticed from the Federal Trade Commission in XX/XX/XXXX, stating Ameritech Financial/XXXX  is being sued by the FTC for deceptive practices. I immediately tried to login into my FAFSA account, as noticed stated to do, only to find the password I last known it to be, had been changed and non of my verified information was up to date. Upon much needed research, I called Student Loan Support Center on XX/XX/XXXX, when a gentleman named XXXX helped me to gain access and control of my FAFSA account. He also confirmed the lawsuit was legitimate and the following fraudulent activity. I had no idea that on XX/XX/XXXX, Ameritech Financial/XXXX filed an IDR on behalf stating I have XXXX children, XXXX other dependents, and an annual income of {$43000.00}. Which is a complete lie. I have never wanted children nor do not have any children, I was single and living alone, and earning {$45000.00} at the time. Then, on XX/XX/XXXX, they re-certified the XX/XX/XXXX IDR stating I had XXXX children and XXXX other dependents with an annual income of {$49000.00}, and that I worked for a public service company. Again, do not have children, nor dependents, I have never worked for a public service company since I have been out of college, and I do not believe they filed the correct annual income. From XX/XX/XXXX to XX/XX/XXXX, Ameritech Financial/XXXX charged me fees totaling {$3800.00} ( attached ) for services the government apparently offers for free. While Ameritech Financial/XXXX acted as a sponsor, they used the following service agents to process fees : Global Client Solutions and Account Management Plus, in connection with Reliant Account Management. Ameritech Financial/XXXX enrolled me in federal programs that I did not qualify for leaving me no capability of actually paying down my loans, and or the accumulating interest causing me {$3400.00} in capitalized interest ( attached ). These unlawful and defrauding acts of defamation, along with consumer and systematic abuses, has caused me immense pain and suffering, emotional distress damage, and mental anguish. I feel extremely violated, embarrassed, grief, XXXX, and XXXX. Not to mention the hours of research and time this whole process has taken away from my means of making a living. I am an accountant, this is quarter end, and making time to address this unfortunate situation has been an impediment on my career.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request 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 items 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 XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXBalance : {$1200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : $ XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my previous request, the acccounts i've been disputed still appear late payment in my credit file but the fact is, I am never been late on paying. For that reason, I am asking for your help to correct my payment status or information in my account. It was come to my attention that the 3 credit bureaus have unlawfully disclosed my personal and private information. I demand that they will provide me an updated copy of my credit report immediately. These accounts should be corrected right away : XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Debt collection

this account somehow was opened up in my name is fraudulent and opened as a result of my identity being stolen i have gone through alot tryying to get this straightned out i have filed police report and notarized id theft affdiavit concerning this with the ftc
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a lawful consumer and my information and report was misused and I have false not 100 % accurate accounts and info on my credit report. 

I asked them to do a verification of everything on my credit report and they did and sent a generic response saying it was accurate. I did research myself and found inaccuracies on my report even after they said they did a full research. 

According to FCRA all have 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 says consumer reporting agency can not furnish an account without my instructions and consent. I was not given the opportunity for my information to not be shared and am now demanding that these items be removed including the following items : USDA  XXXX USDA  XXXX USDA XXXX XXXX XXXX XXXX
Product: Checking or savings account

We identified fraud charges on Saturday XX/XX/2023 and called to identify and stopped the one card. We went to the branch in XXXX XXXX and was told since we identified the charges would be stopped and reversed and not posted. After we left we still had charges on the card that was deactivated and requested to freeze. Since then I had to identify other charges on another card that WAS NOT TOLD TO ME BY THE BANK ( XXXX XXXX ) or when I called the toll free number. We turned in the card and DID NOT request replacements. We still have the charges from XXXX XXXX, XXXX, and Alien XXXX Holsters that we asked 4 different Enterprise employees to stop ALONG with 2 calls to the fraud department AND response to text it was FRAUD charges. SO for the past 6 days we are now in negative balance and STILL going back and forth with call center and the XXXX XXXX NM branch. ALL of these charges when googled or bing search will reveal this. The call center person XXXX if I recall correctly is very nice and helpful the branch in XXXX XXXX NM IS NOT. They seem to lose paperwork that I have to go back to sign same forms and what is told to me by the XXXX XXXX and XXXX XXXX WAS NOT TRUE.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

XXXX maybe- Mortgage was orginally with Chase Mortgage XXXX and in maybe XXXX asked for Modification and while paying what I was told for months and months was told was not approved. Was told catch up 10 months of partial pmts and I said couldn't and was told will put at the end of the loan. then in maybe XXXX or XXXX was sold to XXXX XXXX XXXX ac XXXX when I asked about the payoff to refinance with XXXX was told I owed XXXX and was told still owed 28 years on my loan and it was orginally refin XXXX so had paid for 16 years and was only a 30 year loan how could that be. Unfortunatley Select or Chase will send me any documation tell me why? I did not ask for any changes only the 10 months of rears partial payments at the end. So how a 30 year loan and paid on for 16 years and should only have 14 years left on it changed to 28 years. The math does not work Select said Chase sent it over like that but should not be correct and also paid select for 4 years so makes no since. Chase will not even speak to me said sold loan has no ducuments? If your not the person to help please tell me who. Never refinanced after Chase until last week and never asked or signed to be re-ameratized. 
XXXX XXXX XXXX and XXXX XXXX
Product: Credit card

I called synchrony bank Walmart credit card before my payment was due to advise them I would be late they told me they will waive the late fee and that nothing would change as far as my minimum payment due well not only did they charge me a late fee they also upped my minimum payment and they keep doing it every month I refuse to pay since they gave me the information that nothing would change
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Bankruptcy - XXXX Bankruptcy - XXXX
Product: Checking or savings account

XXXX was charged an overdraft fee for account being in overdraft due to erroneous overdraft fee from day before. Went to branch and they were only able to reverse one fee. I was not on overdraft in the first place and shouldnt have been charged any fee. My account was positive XXXX cents until after midnight on XX/XX/2021 at which point the transactions were reordered to reflect an overdrawn balance of {$4.00} when it wasnt before midnight. This bank is engaging in something predatory and needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report when i tried to applied for a mortgage with XXXX XXXX XXXX XXXX. Upon going through my credit report, i noticed 4 accounts being reported as collection accounts with the following collection companies Portfolio Recovery Associates, LLC XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 
These accounts do not belong to me. I sent out a validation of debt letter to all 4 collection companies and i did not get any reply back from them. It has been over 3 months and no reply from them. I disputed the accounts with all 3 credit bureaus ( XXXX, XXXX  and XXXX  ). All the 4 collection accounts where deleted by XXXX but XXXX XXXX and XXXX continue to report these accounts even though they have no proof that these accounts belong to me. I sent an initial dispute letter on theXX/XX/XXXX and i did not get any reply from them ( XXXX XXXX and XXXX ) and i sent a second follow up letter on the XX/XX/XXXX and still did not get a reply from them. Yet they are still reporting this in-accurate information. The collections companies keep calling my phone and pressuring me to accept a debt that i do not owe. Even if i owed Portfolio recovery associates, it is passed the statute of Limitations for debt collection for the state of Florida.They have not been able to validate the debt and it is still being reported by the credit bureau.
Product: Debt collection

Firstly please let me state that I am a victim of identity theft. I have a current police report on file with XXXX and a federal listing with the FTC VIA XXXX. The alleged debt that I am seeing on my credit report was previously removed, sold or transferred, re-aged and then showed up with this current company 's name but the old debt collector 's address the DAY after I filed my police report with XXXX XXXX Police Department. United Financial Service of XXXX XXXX XXXX has disregarded 2 previous attempts to validate with XXXX certified mail return receipt. They call my cellphone very early in the morning ( XXXX ) and also very late at night XXXX XXXX XXXX. They are harassing my family and friends on their cellphones and also calling my current and former employers. I don't even know what this debt is for and other that this derogatory mark I have 100 % perfect credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. And noticed a fraudulent accounts on my report. Please remove accounts from my report. It is hurting My ability to obtain credit XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had a brokerage account with Robinhood.com. on XX/XX/21, I authorized Robinhood.com to withdraw {$500.00} from my bank savings account to participate in the XXXX XXXX. 

Robinhood did TWO {$500.00} withdrawals from my bank savings. Neither the Robinhood customer service person can locate nor the Robinhood app shows my {$500.00} cash balance. 

This is even though I have email from Robinhood.com acknowledging the two withdrawals. I have screenshots from the app acknowledging the two withdrawals. and I have a bank statement that shows the two withdrawals. 

I have repeatedly emailed Robinhood.com this detailed information. they have not responded satisfactorily. And now they have ceased responding altogether. 

Robinhood has stolen or lost my money. And I want it back.
Product: Credit card or prepaid card

I have had a Wells Fargo Platinum credit card since XX/XX/XXXX. In the first two years I had an interest rate that was less than 10 %. In XX/XX/XXXX, I fell on hard times and was late a few times on my payment, so they increased my interest rate to 21 %. I quickly got caught back up and started making on time payments again. In fact, I have not been late in over 10 years and have a XXXX+ credit score, yet they kept my interest rate the same ( at 21 % ). I always felt I was being penalized wrongly and that they should reinstate a lower interest rate once I proved good payment history with them. Over the course of a decade, I have called their customer service and even visited my local branch. to see if they would lower my interest rate. There were interest rate promos for new customers that I was not " eligible '' for. Every time, I would be told that I was not eligible for a lower rate. I have even paid this card off in full on various occasions. They trust me enough to keep increasing my credit limit, however no break in the interest. 

I've had multiple accounts with this bank since XX/XX/XXXX so I have resisted changed banks because it would be quite a bit of work. 
I did some research on your website, and from what I can see, WF should be reviewing and assessing my account every 6 months, and that afte

r 6 on-time payments I should have been eligible for a lower interest rate even if it is not as low as my original one. I am hoping you can help get this resolved. I know in my heart that they are taking advantage of me with excess interest rates. Thank you kindly!
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank is reporting incorrect info
Product: Debt collection

I am currently XXXX XXXX military and have been trying to obtain my secret clearance. On the process of doing so I found some creditors from accounts that my ex-wife opened without my knowledge. Two of the accounts were from the same Creditor by the name of XXXX XXXX. When I called XXXX  to find out where the debt was from and see if there was anything I could do to resolve the account they told me that they didn't have the contracts or agreements of the loans. They simply had a letter with very vague info stating the amount owed on the loans. The account number XXXX  that was charged off was for the amount of XXXX and they want XXXX to settle the debt. The other account they claim is mine is XXXX  in the amount of XXXX XXXX to settle. They do not have proof that the accounts were opened by me and the accounts are no longer on my credit report.
Product: Debt collection

I am being driven to bankruptcy by a company that has blatantly committed fraud on the court to get its way. 
I am having my wages garnished by XXXX XXXX XXXX XXXX after theycommitted fraud on the court by never notifying me of either the original court date when they sued me in XXXX or the hearing ( XXXX ) this year to enforce the garnishment on me in a Virginia court. Worse, this all occured years after I had moved to XXXX Florida. My actual location was easily found via multiple public records, including the fact that I gotten my driver 's license transferred to the state of Florida shortly after moving here in XXXX, the fact that I a recipient of XXXX payments for XXXX XXXXXXXX, receiving XXXX and then later XXXXXXXX XXXX  and most damningly, XXXX XXXX XXXX XXXX XXXX XXXX imposed in XXXX by the XXXX of Virginia that had been legally transferred to the state of Florida. Worse still, at the time when they had fraudulently claimed to notify me, I was XXXX XXXX XXXXXXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX  and the sent to XXXX XXXX XXXX  to await a required XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of XXXX ( I should note that no further XXXX came from this XXXX  Everything was thrown out for XXXX XXXX XXXX  and XXXX XXXX  ). There is no way that anyone can say with a straight face that XXXX did not commit fraud on the court or that they did not game the system in order to receive the most beneficial outcome. That they once again did so this year when they again took me to court, again without notification Virginia, without my knowledge to enforce a wage garnishment upon me ( which I believe was running up on some form of statue, ) reeks malicious intent. That I only discovered this was happening quite by accident. The attached court band document was unceremoniously dumped on the doorstep of a home I've not lived in for over 13 years. The fact that the homeowner took the time to ensure I was warned, and only just barely, by contacting my stepfather is frankly pure luck. I now have no choice but to declare bankruptcy which I can barely afford when over {$100.00} a week is seized from my pathetic {$400.00} ( give or take ) paychecks. I'm under no illusion that XXXX will leave me alone even if this matter is addressed in my favor considering how they frequently used the judicial system to essentially extort me once already, even keeping it off my credit report for some reason ( likely to keep me in the dark ). 
I'm also likely to seek further legal assistance beyond mere bankruptcy to ensure this company can't do this to anyone else and recover the assets ( and more ) that they seized by abusing the legal system. Please, people like me need to be protected from companies that abuse the legal system and it's biases against the poor. I'm likely one of XXXX whom this company did this to and I'm positive that the waited so long because they were on shaky legal ground to begin with.
Product: Credit card

Old Navy Barclays credit institution reported late payment to credit bureaus causing perfect credit score to decrease by significant amount.

Never had a delinquency with this company. Always paid full statement balance. 

XXXX Monthly/Scheduled Payment : {$30.00} XXXX Balance : {$180.00} 30 day delinquency reported on XX/XX/2023. 

This is devastating due to the fact that I'm in process of purchasing a new home and this will now affect my ability to obtain a mortgage.
Product: Credit card or prepaid card

On or about XX/XX/XXXX I observed a charge to my card that was not made by me. I did not recognize the amount posted to my statement. It was a small amount, however, so I paid it. On or about XX/XX/XXXX I notice another charge on my card and this time I called Barclay 's to inform them that my card had been stolen and used and that I wanted a new card. I also told them that I had paid the XX/XX/XXXX charge but that I would not be paying any other charges. I was assured everything would be ok and was issued a new card. To this date, I have not called to turn the card on. I was assured everything was going to be fine. 

In XX/XX/XXXX and for the last two months I have been getting charged with late fees and 'minimum ' charge amounts by Barclays . I have discussed this and also have trails of electronic messages to and  from Barclays and have had no resolution. I have since observed on my Credit Report that they have reported late payments on this account, which has hurt my score. 

Since XX/XX/XXXX I have received ZERO help from these people and they have decided to not only disregard my requests but also not to remove the charges and then charge interest and fees on fraudulent charges. I have read that everything the company has done so far may violate many of the regulations they are supposed to follow. Please, help me.
Product: Debt collection

We already have a claim in progress # XXXX but in reviewing and notifying from the attorney general that the statue of limitation in Texas has expired for this type of debt.
Product: Debt collection

XXXX XXXX is stating that I was given a Loan of some sort. I have advised them on multiple disputes that this loan was a result of identity theft. They have refused to remove it from my credit report