23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Last year of XXXX - i got a letter from my bank XXXX XXXX XXXX. They said that a debt collection agency who is called XXXX law firm. XXXX said they can not allow the garnish because I receive Social Security XXXX. In the packet I got. I had to fill out my situation and mail it in. I thought and my bank said. you, wont be contacted again, and do n't be nervous or have your issues flare up. 

This year of XXXX XXXX i get a call from a lady named XXXX XXXX she wont give her last name. She said when am I gon na pay this debt i owe. I asked her can you send me proof I owe you money. she said, she sent it, and I dont have to give it to you again. she said once i get a lawsuit and default judgement on you. I can keep calling all I want, in attempt to collect the debt. Her Company XXXX - again tried to freeze/garnish my account. 

Again I called and got the same lady XXXX. She knew my voice and said are you ready to pay up. I said I would like to know the server that issued me a court hearing. As I never got XXXX at all. she told me i dont have to, and your credit reports will damaged for 20 years until said debt is paid off. when i asked her can yyou send me the verification of the debt. She hung up. 

besides the original frozen/cease of my accounts in XX/XX/XXXX no letters. I checked my local court and yes they got a default judgement on me. From some company called XXXX XXXX XXXX. since XXXX. it wil be a treck to get there. but i will try it some how.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just saw an incorrect open account from XX/XX/2020 from XXXX XXXX XXXX XXXX list with a collection agency called XXXX XXXX that I have no knowledge of. And, did not open any account with a communication company on XX/XX/2020. 

In addition, never received a disclosure in accordance with Federal Truth in billing or credit reporting act as a matter of law.

Please have it remove now in good faith and follow FTC guidelines.
Product: Credit reporting or other personal consumer reports

Back in XXXX I was a victim of a robbery that's the first time when I start having identity theft issues. It's so much fraud that's in my name to where I had to sign up for so much protection to avoid any further issues. 

I reported these issues XX/XX/XXXX to XXXX and XX/XX/XXXX I have no connections or knowledge of these accounts listed. 

Please help me! I never lived at XXXX old XXXX XXXX XXXX ca XXXX I believe that's where the suspect lives. 

Please help remove this fraud! I even just hired an consumer attorney to help in this process. 

This is my last attempt before the attorney get the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern, I have sent multiple dispute letters in regards to the following unauthorized Hard inquiries found on my credit report. These are fraudulent and need to be removed from my credit report. According to FCRA these should be removed As soon as possible. 
Equifax XXXX XX/XX/XXXX XXXX Equifax XXXX XXXX  XX/XX/XXXX Equifax
Product: Credit card or prepaid card

On XX/XX/23, I received a letter from Synchrony Bank dated XX/XX/23. They stated that my account has been closed for " The number of dishorned payments on this account. '' I have autopay setup and never was told that payment has not gone through. Reviewing my account I do not see a missed payment. This closure will adversely impact my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts has violated my Federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 XXXX XXXX account # XXXX XXXX account XXXX XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 Section 602 A states I have the rights to privacy. 
15 USC 1681 Section 604 A Section 2 it all states a consumer reporting can not Furnish accounts 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 purpose.
Product: Debt collection

I settled in full with XXXX XXXX in XXXX 2013, I paid XXXX to settle, they said ok. Next thing I know some collection agency has a judgement against and calls my house on a daily basis!! This was settled in full, I paid more than XXXX % of the debt, I broke my foot and was not insured, I did not ask for that!! I am single mom trying to make ends meet, and the collection agency keeps saying they have lean against my house, when the balance after I paid the Settlement was XXXX dollars. I do n't understand how they can ruin my life like that! Dominion Law & Associates at XXXX ... I want that judgement removed and for them not to call me ever again! they claiming thousands of dollars even though I settle in full!! I do n't understand that!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 U.S.C 1681. 

XXXX is governed by 15 U.S.C 1681. They have violated my rights numerous times. I demand that these accounts be removed because according to 15 U.S.C 1681 I have the right to privacy and I did not give XXXX written permission to furnish these accounts. These accounts have been litigated and balances reported are incorrect. Both of these accounts have been closed and delinquent past the statutory time allowed to be reported. The company reporting these items hasnt submitted a closing date because it proves that the accounts are in violation of the statutory law. There hasnt been a thorough, reasonable, or fair investigation. If there was these credit bureaus would have noticed the violation and corrected it XXXX recognized the inaccurate information and removed them. Ive submitted enough legal documentation for them to do a fair investigation XXXX XXXX XXXX XXXX XXXX  ) are the items in reference
Product: Credit reporting or other personal consumer reports

There are unauthorized accounts on my credit profile. They have to be removed as soon as possible. I am human there is no XXXX party involved. I have reported to XXXX, FTC, and Texas Attorney General. I have documents attached provided.
Product: Payday loan, title loan, or personal loan

Wells Fargo Bank, N.A. Attorney XXXX XXXX XXXX continues to block my lawful remedy for settling a debt by using a PROMISSORY NOTE/NEGOTIABLE BANKERS ACCEPTANCE. Attorney XXXX has mischaracterizing the instruments for solely being a " Private Registered Bond For Setoff '' or a medallion guaranty and claims that the instruments are unmeritorious and I am acting out of bad faith which I object to. 

What Attorney XXXX fails to realize is that Congress passed a public law on June 5,6 1933 which states that : ( a ) every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount in money of the United States measured thereby, is declared to be against public policy. ( See exhibit B ) A promissory note is equivalent to money pursuant to U.S.C. Banks and Banking Title 12 Section ( l ) ( 1 ) ( See exhibit C Banks and Banking law regarding a  promissory note ) Attorney XXXX is violating 73d Congress Sess. I. CHS 48,49, June 5,6, 1933 House Joint Resolution public law 73-10, because she can not reject another form of currency that is equivalent to money from an obligor who decides to settle a transaction other than using Federal Reserve Notes. 

Furthermore, the accounts ending in XXXX and XXXX was settled inside of a Wells Fargo branch in XXXX XXXX, Virginia by relationship banker XXXX XXXX XXXX XXXX in XXXX of XXXX. 

Attorney XXXX has copies of the Promissory Note/Negotiable Bankers Acceptance and a copy of a Wells Fargo Bank letter from the branch manager XXXX XXXX XXXX evidencing the settlement performance. 

Moreover, this lawful remedy to settle a debt is not based on money mechanics, the U.S. in bankruptcy or being taken off the gold standard or a sovereign movement nonsense. I just happen to conduct extensive research on the laws and connected the dots. I am not trying to be disrespectful but Attorney XXXX appears to be ignorant of House Joint Resolution public law 73-10 or simply may be in  dishonor.
Product: Student loan

I received a notification that my credit score had dramatically dropped. I have not had any new loans and all my loans are in forbearance and at zero percent interest due to covid. I have even paid off two student loans during this year. There was a new balance of {$1600.00} applied and showed on my XXXX report and when I called them on XX/XX/2020 and spoke to XXXX at XXXX they had no record of it. I have the phone call recorded as well. They have nobody I can speak with over the phone and I have to mail in a dispute for a reporting error they did that greatly affects my credit score. I know there are many lawsuits against them. This is a racket. It is absolutely insane to me that the government guarantees these loans with no real oversight of the companies and their predatory practices.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax inappropriately shared my credit report with XXXX. 

XXXX charged me a {$100.00} deposit to not have my credit report pulled when setting up service with them. 
I paid the {$100.00} deposit to XXXX. 
XXXX requested my credit report from Equifax on XXXX XXXX, 2015, without my permission or authorization. 
Equifax provided my credit report to XXXX. 
I contacted XXXX to have this fixed. 
XXXX referred me to Equifax. 
Equifax said it is a matter of factual record that they gave XXXX my report. 
Equifax refused to remove this inquiry from my credit report. 

My credit score and report at Equifax are being negatively impacted, due to their innappropriate release of my credit report. 

XXXX still has my deposit money.
Product: Student loan

I have spoken with Fedloan multiple times over the past few months about getting all of my loans into a REPAYE plan and placing all my loans on the same schedule as I am a medical resident and qualify for the PSLF program and need to be in an IBR plan. I was approved for the REPAYE plan on XX/XX/19 and all my loans were placed on the REPAYE plan. Then, a few weeks later on XX/XX/19, out of nowhere, some of my loans lost their forbearance and deferment status and were suddenly placed in repayment on a Standard repayment plan. I called and was told that this was a mistake and my loans were going to be replaced into forbearance so that all my loans would go into repayment at the same time. That was fixed and all my loans were back in REPAYE. Then, on Friday XX/XX/19 I received a letter saying my loan terms were recalculated and I was placed back into the standard repayment plan. I called on that day and was told that an error occurred on behalf of fedloan when my application for REPAYE was initially approved. They said I should have never been placed in the REPAYE plan and in order to get my loans back on the REPAYE plan they must generate an exit bill that I have to pay in order to go pack into REPAYE. My conversation was left stating if I pay the generated bill of {$5.00}, all my loans will go into REPAYE when they process my IDR application and I will not be responsible for any other payments towards my loans during the months it takes to process this. On XX/XX/19 I paid the {$5.00} bill and was told it would take up to 20 days to process my IDR application ( that at this point was submitted on XX/XX/19 ). Today is now 20 days since payment and my account has not been switched back into REPAYE and I received a new bill for XXXX of over {$3000.00} since I am still on the standard plan. Since I am eligible for PSLF, I have now missed out on 2 payments towards the program, which is frustrating as I am eager to begin making eligible payments towards the program. Throughout all of this, I have contacted fedloan multiple times via phone and email. My email on XX/XX/19 was never answered by the company.
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. 

I told Experian, XXXX and XXXX to reinvestigate these accounts : Account : XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account Name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. See ATTACHED
Product: Credit reporting or other personal consumer reports

Seeing fraudulent and unauthorized inquiries on my credit report has been deeply concerning. I did not apply to these companies, nor did I give them permission to access my credit. Its incredibly frustrating to have my rights as a consumer violated in this way, especially when I take great care to protect my personal information. My life is already filled with enough stress, and dealing with these fraudulent inquiries only adds to it.
Product: Credit reporting or other personal consumer reports

I disputed this account on XX/XX/XXXXXXXX  the account has late payment on a collection account. The account date last active has been illegally reaged to XXXX  even though the initial charge off was in XXXX. The account has been paid and was agreed to be removed by the creditor. I disputed this account and the creditor responded and said this account meets FCRA requirements even though theres multiple violations
Product: Credit reporting or other personal consumer reports

The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

Account Name : XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : Account Name : XXXX XXXX XXXX Account 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 the following information items. 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. 



please close, delete and remove this account from my credit profile as it was opened and used without my authority as a result of identify theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to correct payment with a credit card company belive it was XXXX. They couldn't retrieve or find an account they keep transferring me to different departments only to be told the same thing. Theirs a charge showing on collections for this charge. This charge keeps hurting my credit when i tried to straighten out. They should pull this charge from my account since they cant locate one never should have been sent to collections.
Product: Student loan

I very much prefer to receive a paper copy of my statement from Navient each month as I use it as a reminder to pay my bill. I almost never access my account online but somehow my preferences were updated to only receive email correspondences. Because of this change, I never got my bill in the mail and was not able to pay on time. I have very poor internet service and don't like doing my business electronically. I know that I most definitely did NOT approve or request to have my billing statements sent electronically. I understand that it is my responsibility to pay my bills on time, but my late payment is not what my complaint is about. My complaint is that my account was updated without my approval to a setting that I don't want now or ever. I have since changed it back to US mail, but I am concerned that the unapproved change will be made again. I am extremely irritated by this for many reasons.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX reported a late payment on XX/XX/year> that I paid on time I would like the late payment removed by law according to code 15 USC 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party
Product: Mortgage

I'm currently having a primary home mortgage with Mr Cooper. I was in the Mortgage Forbearance during Covid-19 pandemic, so the mortgage payments were paused. However, before I exited the forbearance, I contacted Mr Cooper to resume the monthly mortgage payments. In XX/XX/2021, Mr Cooper provided me the modification option after exiting forbearance. In order to get back to regular monthly payment, they set up a trail payments for me for 3 months, and I was told this will be autopayment. However, Mr Cooper messed up and failed to process my 2nd trial payments. After I noticed the situation, I contacted them immediately, then I was told that I was given wrong information, which was not autopayment. Since then, I contacted Mr Cooper almost hundreds of times for solutions, however, no one could really help me to get back to the trail payment again. It just keeps me waiting and waiting. I was left all alone by myself, and I couldn't even make a monthly payment on my account. It was locked in the system. I'm also concerned this would damage my credit report when Mr Cooper keeps delaying it, or even worse, it might cause me to lose my primary house. 
I just want to get back to the trail payment for modification plan because Mr Cooper made the mistake on setting up the payments that caused the issues. I would like to be able to get back to regular monthly payments. Please help.
Product: Debt collection

Receive multiple calls on almost a daily basis from different numbers. Voicemails stating an important call from a debt collector.. Midwest Recovery Systems ... I know for a fact I do not owe a debt and I read online that this company is accused many times of fraudulent claims. I have not called the company back because I do not want to waste my time disputing a false claim and potentially becoming at risk for higher involvement.
Product: Debt collection

On XXXX, I rented a vehicle from XXXX XXXX XXXX  thru XXXX. The bill clearly states airport concession fee recovery which I paid up front. Also, it states that all mandatory fees and taxes are included ( see attached ). Upon arrival at XXXX pm on XX/XX/XXXX the XXXX counter was closed and I could not receive my vehicle. The next morning, I went back to counter and had to give them my XXXX XXXX card for possible damages. When I returned home I noticed they charged me again for the concession fee. I then did a charge back with XXXX and they agreed and denied the charge.I attempted to talk to someone and even was on hold for 90 mins and phone disconnected. I just received a letter from a debt collector for 62.00 for the fees I already paid. I have a XXXX XXXX XXXX and am fearful they will attempt to ruin my credit. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached notice. They still have yet to force XXXX XXXX to update my credit file due to bankruptcy.
Product: Payday loan, title loan, or personal loan

My issue was not listed in your previous pages so I did the best I could. The issue I'm having is with my mortgage bank. 

On XX/XX/2019 the town of XXXX experienced a devastating flood. My hotel, The XXXX XXXX, took in over 10 of water. I lost 15 rooms, my office, laundry and storage rooms as well as my tool room. My insurance adjuster came out almost immediately. No one could even get into town until XX/XX/XXXX and they were here within two or three days after. XXXX XXXX from XXXX XXXX sent us an email on XX/XX/XXXX asking for a status report on our property. Our adjusters were very thorough and helpful with our claims, of which we have 7 total. Within a month, on XX/XX/2019, four of our claims Buildings 15, 16, 17, and 18 - were signed and recorded. We had been working on clean up and demolition during the month of XXXX and XXXX. The bank requested receipts for the work and materials, which we diligently sent. 

As of today, XX/XX/2019, XXXX XXXX is holding {$86000.00} of our insurance money that we desperately need to rebuild our hotel. We had a very short time frame because we wanted and needed to be open for Memorial Weekend but their refusal to release our funds, even after we sent them all the receipts they required, has delayed our reopening. We are at a desperate time. What they are doing is impacting not only us but the tourism and economy of XXXX. XXXX XXXX holds our mortgage. They wont release our money to us but expect our mortgage to be paid. We have no income and because they wont release our funds we cant get any of our rooms going. We could have easily gotten at least four of them up and going last week had they sent us our insurance money. We are at a loss and will go bankrupt if we dont get help. Please, I beg you to look into this gross negligence.