23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I sent my student loan payoff amount in the form of checks to NAVIENT. I sent 9 checks to repay my student loan with an overage amount because I refinanced and the title company made them out for a previous month 's payoff. I instructed them on how to apply and its over a month and they have only applied two small checks. I 've called multiple times and they keep telling me to check online. All the checks were in the same envelope and I do n't understand why they ca n't apply my full payment even after multiple calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several times to  XXXX  and Experian over incorrect dates used on credit report collection accounts  XXXX  accounts reported and  XXXX  wrong dates these are from healthcare related issues with daughter in  XXXX . Extremely upset as only accounts in collection and due to healthcare and I had credit insurance to make payments in absence of income and inability to keep income. They have brought my score down by reporting them from  XXXX ,  XXXX  and they are all  over 4 years old.
Product: Checking or savings account

I created a business wise account on XXXX XX/XX/2023 and then i put XXXX dollars in it to send money to my supplier but for no reason wise deactivated my account after that my money was kept by wise for 6 months Closed they gave me 30 working days every day made me wait 6 months but now I just want to know why they are not reactivating my Wise Business account.
Product: Debt collection

XX/XX/XXXX : We signed a one-year-lease with Trails of XXXX XXXX ( then managed by XXXX XXXX XXXX  ) in XXXX, Texas. 
XX/XX/XXXX : We entered the office notifying one of the clerks of our intention to leave six months later ( XX/XX/XXXX, to be exact ) and signed a lease extension ( from XX/XX/XXXX to XX/XX/XXXX ), which included a {$200.00} raise in our rent for the duration of the extension. 
XX/XX/XXXX : We received a note on our door offering us to extend our lease a second time as its termination was approaching ( for another {$200.00} raise ). Via email to the manager, we responded to this offer, declining it, as we were packing and getting ready to leave the country -- just as we notified them in the last XXXX ( we have already bought our airline tickets in XX/XX/XXXX ). 
End of XX/XX/XXXX : Airline travels were cancelled ( XXXX ), but we have found a temporary shelter at our friends ' house while hoping to rebook new tickets. 
XX/XX/XXXX : We paid our last rent, prorated ; but as they sent us a new raised bill ( as if we took their offer for another extension ), we sent an email to the manager ( they never answered their phone ) asking her to prorate our rent, for we were leaving in six days as planned. When no response arrived by XX/XX/XXXX, we prorated our rent and paid it off. 
XX/XX/XXXX, XXXX XXXX  : We entered the office of Tails of XXXX XXXX, handed our keys and said our goodbyes. 
XXXX XXXX : Our travel plans were cancelled three times (! ), until we gave up trying and settled in a friends house in XXXX. Sometime during XXXX or XX/XX/XXXX we began receiving bothersome phone calls from a collection agency in XXXX, FL. As we've been scammed in the past year, we ignored these calls at first ( we had no business in XXXX whatsoever! ). Once we dared ask for their information, the agent across the line was extremely rude and claimed we owed money. To our astonishment he said that XXXX XXXX XXXX XXXX are charging us penalty fee in the amount of {$1800.00} for braking the lease!! What lease?! We exclaimed, we left on XX/XX/XXXX, just as we told them five months beforehand... 
Once we called the company personally, the manager across the line was very rude and unfriendly, not listening to our side of the story, but kept repeating, according with our company 's rules, you broke the lease. I assured her that we do not agree with this claim and were aiming to dispute it. 
Our past attempts to dispute this false charge/claim ( XXXX, Credit Bureaus ) were not effective, this collection agency ( Hunter Warfield ) is still bothering us, and that collection account marks a big dark spot on our Credit Report for no true fault of our own. XXXX XXXX XXXXXXXX XXXX never attempted communication with us in any way, no letter/email/phone call, before assigning this collection agency on us as if we were running-away criminals. The attitude towards their past residents who were struggling during the peak of Covid-19 pandemic just like the rest of them, shows no care, no honor, and no fair trade. We ask that their false claim be removed from our record. 

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

I have tried three times within this month, three separate disputes with Experian, to remove an erroneous credit account with XXXX/XXXX. I have never had a XXXX account, the woman I spoke to at Experian associated this account with " XXXX '' ( I don't know anyone named XXXX ), the account shows opened in 1966 ( I was XXXX at the time ). I have looked at XXXX, the account is not there. The account is not mine, I have no knowledge of it. Experian will not give me contact information so I can dispute it with XXXX/XXXX. Please help.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Stall Tactic Regarding Signed Power of Attorney To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided.

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted.

Attached are the following supporting documents : My government-issued ID The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

The agency calls every day. Today I was able to answer the call. The representative XXXX explained who they were, what they were attempting to collect and asked me to verify the last four of my social. I did. I asked for proof or something in writing of what they were collecting. She stated that a letter was already sent out. I asked her to send it again as I never received anything. She asked for my address while I requested her to send it again. I asked her to stop talking over me and she hung up. I called back, explained I was disconnected and this time I was talking to a XXXX. XXXX again explained who they were and what they were attempting to collect. I explained that I wanted something in writing proving what they were collecting and who it was for. She said that she would let the consumer know I was disputing the collection. I told XXXX I was NOT disputing anything but simply wanted something in writing. She started yelling at me, telling me to pay my bills and to stop taking out loans that I can not afford to pay back. She repeated it over and over. I asked her to stop harassing me. She continued to repeat it. She said that she was going to put that I was disputing the claim even though those specific words never came from my mouth. She said she assumed that I wanted to dispute the claim and that she wasn't going to waste her time sending me anything in writing.
Product: Student loan

I previously filed a complaint through CFPB, today we received a response from the lender and the complaint was closed, however, the explanation from the lender was absolutely false and exactly the reason why they need to change my payment and backdate it to {$130.00}. In sum and substance, the portion of their explanation that is pertinent to the complaint is as follows When the recertification application was processed on XX/XX/XXXX, FedLoan Servicing determined that the family size had been reduced and that the marital status had changed in comparison to the previous year. The IDR monthly installment is directly dependent about your household income and family size. As a result, the monthly installment under the PAYE plan increased from {$130.00} to {$280.00}, effective XX/XX/XXXX. 
This information is fraudulent and absolutely false, my family size had not changed, as they are very well aware of - through the numerous conversations weve had with loan officers, nor had my marital status changed from the previous year, I have been divorced since XXXX and head of my household, single parent to a XXXX  and XXXX  to an elderly parent, my household size is three, and has been - for four years. Nothing has changed, so they are making false statements in the response to the original complaint ID : XXXX. I demand the payment be calculated accordingly and backdated as they have now made contradictory and false statements to this organization, when stating that my family size or my marital status changed, none of which is true.
Product: Debt collection

According to FCRA HUNTER WARFIELD Is using my identity and saying that I owe them *15 U.S. Code 1681b No permissible purpose ; no written consent as required by law given directly by myself to XXXX XXXX ; 15 U.S. Code 1692c ( a ) no prior consent given directly *15 U.S. Code 1681 invasion of privacy Due to it abusive debt collection cause me to lose my job due to invasions of my individual privacy rights.15 U.S. Code 1692d Complaint sent to FTC # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and
willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Debt or credit management

the company could not provide me any information as they could not locate the file in their record and proceeded to inform me that the best option was to call original creditor to see if they can locate my file
Product: Vehicle loan or lease

My car, what is rear-ended at a red light and was in a tow yard for 3 weeks, I waiting for an insurance company to approve repair check. 

The tow truck company, contacted the leasing company without my consent to have the car repossessed. While I was waiting for auto body shop to pick up car for repairs. And now I owe up to XXXX XXXX in order to get my car back.
Product: Credit reporting, credit repair services, or other personal consumer reports

trans Union,  states that even though I paid the accounts in full that they will not delete the record from my credit report, one of the bills account number  XXXX , is not found and there is no information on the debt nor do I owe it.       Attached money orders to show proof of payment in full.   I want the records taken off my credit report, as the Fair credit act allows. within 30 days from the date of full payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a ftc report regarding fraudulent accounts on XX/XX/2021 ( XXXX XXXX XXXX XXXX XXXX ) and ( XXXX XXXX ) and they have been closed and removed from XXXX on XX/XX/2021 and on XX/XX/2021 from XXXX. Transunion just closed the accounts without removing and our reporting late payments. A consumer reporting agency of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days should be blocked.
Product: Mortgage

my mortgage is with capital mortgage of texas, they refuse to provide me with an amortization schedule with detailed information of the monies they have collected from me since the inception of my mortgage. I have noticed that my mortgae balance has some shoddy accounting going on and that each month the amount i pay to them is not being reflected in my mortgage balance I have made over 25 inquiries to the company and was assured by XXXX XXXX that she would work on this problem and rectify it She has not once returned my phone calls or emails. I have contacted several other at th company and not one person will return my calls. this has been going on since XX/XX/2020. I continue to pay my mortgage and still see discrepancies with the allocation of funds
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX I filed a complaint against CREDIT PLUS for pulling my credit report without authorization on the following dates. ( Report File number XXXX XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Credit Plus claimed to have authorization from XXXX  XXXX XXXX and would provide the proof of that authorization by XX/XX/XXXX. 
Today is XX/XX/XXXX and Neither XXXX XXXX XXXX or Credit Plus has provided any information. 
It has been well over the 30 days since Credit Plus could not confirm the credit pulls in a timely matter they have no choice but to remove those credit inquiries, Credit Plus is well familiar with the law as their supervisor explained to me via phone and in their previous responses. 
Refusing to delete the credit inquiries would be a willful refusal to follow regulation and the law.
Product: Credit reporting or other personal consumer reports

Today, I found inaccurate accounts on my credit report, and Im unsure why they appeared. I regularly review my report, but unexpected errors showed up this time. I attempted to refresh the page in case it was a technical issue, but the incorrect information stayed. Therefore, I ask that my submitted documents be thoroughly examined so I wont have to worry about this in the future.
Product: Checking or savings account

On XX/XX/year>XXXX  on my XXXX Money Network debit card there was a transfer of {$2800.00} to a unknown personal bank account of which I DID NOT AUTHORIZE! I then called Money Network to file a dispute and fraud claim on it. They also closed my account and said they would send me a check when resolved. I provided as much information as I could and followed up on them several times.They said there was a phone number change on my account as well on XX/XX/year> at XXXX. After several attempts to resolve it they then did not take the proper time to investigate. They denied my claim and said they did not see no error because it was under my name to a XXXX XXXX  acct, XXXX XXXXXXXX. I then called to talk to a supervisor to request information several times and finally recieved some information and filed an appeal to which they denied. So I am on my 2nd attempt to file another appeal. It seems someone had my online information to change the phone # and send a money transfer as well. Money Network ( which is XXXX, XXXX. ) is no help at all. Ive also did my research and found several reddit posts about similar issues so I went this route. I just want my {$2800.00} back.
Product: Credit card or prepaid card

While checking out online at both Walmart, com, and XXXX, XXXX I got offers for their cards. Nowhere within this offering does it name XXXX XXXX- yet they are the ones my application was sent to. 

1. They send a " letter '' : through a portal in your email- I had different computers and operating systems and neither could open this format- couldn't find any program that could. So I called them ( this was very difficult to reach them their overseas staff was unable to give the location of the main office nor any contact number- this was Walmart `` turn down ''. 

2. When I finally located them and asked why I was turned down- they were unable to disclose this information but did finally send a letter to my new address- after much proving who I was. The letter was nondescript and too general to pinpoint the reason for turn down. I know late pays were not the cause, and I know my credit FICO was @ XXXX. Maybe too short of a time credit history? 

3. After much demanding XXXX searching I contacted the person at the " Bank '' who sent me the turn down. I asked what the exact reason was ( this damages your credit! ) I was told that Walmart gives us the specifications and she was not at liberty to tell me. 
In other words there is room for discrimination w/o explanation. 

1.XXXX  fast forward another year credit score near 700 no late pays and checking out with XXXX, applied for credit with that basket of merchandise..Guess who XXXX XXXX and another turn down . Again I had to access a portal and the file was not known so I could not open - Now a XXXX XXXX computer! I did not bother with the stress of calling over the globe ... Only to be given general answers- such as late pays, low credit score, or maybe length of credit? And another ding in my credit courtesy of XXXX XXXX - but now I have a full 3 years of no late pays and XXXX score and I can not imagine.. 

If you allow credit card issuers to be general in individual turn downs then we will not know the parameters we are shooting for and we will be damaging the credit we worked so hard to build. Also it leaves room for discrimination.. 

Cross reference this complaint with my earlier complaint highlighting the credit freeze and ID theft that I did not place on my credit report?
Product: Credit reporting or other personal consumer reports

After reviewing my credit report and attempting to dispute the inaccuracies with the accounts in question, they have not provided any solution and I know that in accordance with the Fair Credit Reporting act, these accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX : Account # XXXXXXXX XXXX  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.

Not only have these laws and rights violated but also reporting different " Last Reported '' dates on the different credit reporting agencies which is another violation.

Please see the copy of the report displaying the different dates its reporting.
Product: Credit reporting or other personal consumer reports

I appreciate the removal of some negative items from my credit report. However, several items still need to be addressed and removed. I have found that these items were opened without my permission. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), you are legally required to remove items resulting from incorrect credit reporting. I am disputing the following items, which are unfamiliar to me. I am attaching the necessary FTC Report, as required. Please remove these negative items. If you believe these items belong to me, I request all documentation that bears my signature to verify their accuracy. If you can not provide such records and claim the items are verified, I will take legal action. Please comply with the law so this matter can be resolved quickly : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$650.00} -- -- -- -- -- -- -Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00}. Please remove these disputed items as they were opened without my consent or knowledge, in accordance with Section 605B of the FCRA.