23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Was another company named consumer adjustment company. First they called my XXXX parents and harassed them and I got the phone number and I tried to call them back and the man started using horrible profound language at me and calling me stuff I can't even repeat right now. Didn't tell me who they were and he hung up on me then I got a thing on my credit report stating it was XXXX XXXX and for XXXX or something like that and that had already been taken care of and taken off my credit report. The people that I talked to threatened that they were going to have someone show up at my house and that legal action would be taken on me and I would be arrested now they've put something on my credit report. That is not correct. Never got anything in the mail from them stating anything. Apparently anyone could put anything on your credit report at this point which is completely wrong.
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE THE FOLLOWING PERSONAL INFORMATION ON MY CONSUMER REPORT : ADDRESS, EMPLOYER, AND NAME
Product: Credit reporting, credit repair services, or other personal consumer reports

They have been selling my information, which is not their place. They have also been able to furnish my XXXX XXXX for me without my consent. Which is against the law according to the congressional findings 15 USC 1681 ( b ) ( XXXX ). They've assumed the responsibility. According to the congressional findings, under the law 15 USC 1681 ( a ) ( XXXX ), congress made it clear that they have assumed this role. 
Also under 15 USC 1681 ( a ) ( XXXX ), they did not exercise their grave responsibility, they were unfair, they were partial, and they have not respected my right to privacy. Again i have never given them permission nor have I instructed them to furnish or create any of the things on my credit report.
Product: Credit reporting or other personal consumer reports

I am making this claim because, my credit report shows a credit card that is not mine and it does not even have my name or any information about me.But it is there affecting my credit score, I made a claim to equifax, and results were that the card is mine.Then I called the bank who own the account and they say they cant find anything about me or the account.I need help please
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' TransUnion, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801.

Under the Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) All credit bureaus are in violation of both laws by reporting education records on my report.
Product: Mortgage

I have been trying to work with my mortgage company for over 9 months now and after multiple pleads for help they give me the worst possible plan that I can get. They gave me a forbearance plan and not a loan modification. I had told them that my income was reduced and lost my job. My son is here trying to help us save our home but this plan that was provided does not make sense. How can they extended the loan term by 17 years and increase my mortgage payment. 

XXXX XXXX escalated my loan modification review over 20 times because their team delayed my review for over 9 months. It took them 10 months to get me a plan that is making it harder to keep my home. I need the underwriters, escalation managers and processors to take responsibility for their mistakes. XXXX had spoken to XXXX XXXX ( escalation manager ) and he advised that he would help but never did. We had to continuously follow up with him. He was never available to get an update on the escalation. Week after week my loan got further behind because they didn't want to help. 

XXXX, another escalation manager was supposed to give us a call back earlier this week with a breakdown of the plan but never did. These people don't care if people are losing their home. They just want to get you off the phone and move on to the next person. The less work they do, the better for them to not handle problems. We are here begging for help in our most vulnerable time and they are just taking advantage of people. 

They even tried to blame me, that it was my fault for delaying on documents when I was the one following up to make sure my review was even moving forward!
Product: Mortgage

ON XX/XX/2024 WE OVERPAID OUT MORTGAGE BY {$3100.00} ( XXXX PAYMENTS ) WE CONTACTED THEM ABOUT THIS ISSUE ON XX/XX/XXXX THEY REQUESTED A COPY OF THE DOUBLE PAYMENTS FROM OUT BANK TO BE SENT TO THEIR EMAIL, WE SENT IT AND THEY SAID XXXX BUSINESS DAY, THE DAYS CANE AND WENT WE THEN CONTACTED THEM ON XXXX XXXX AND THEY SAID IT WOULD BE XXXX MORE DAYS, CONTACTED THEM AGAIN ON XX/XX/XXXX THAT XXXX BUSINESS DAY AND WAS TOLD THEY WOULD PUT A CHECK IN THE REGULAR MAIL WHAT???? NO TRACKING NUMBER NOTHING IF IT GOT LOST WE WOULD HAVE TO WAIT UNTIL XXXX WEEKS TO CORRECT THAT ISSUE. 

I TOLD THEM I WOULD LIKE TO GET IT BACK VIA BANK TRANSFER THE WAY WE PAY THEM, THEY THEN SAID WE NEED THE ACCOUNT AND ROUTING NUMBER WHICH WE SENT AT THE GET GO.. SO WE ARE BACK IN A CIRCLE WHICH I FEEL THE ARE GIVING US THE RUN AROUND WITH OUR MONEY THAT WE NEED
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to have the alleged debt validated and it was not validated within 30 days Then, I demanded that the inaccurate reporting 's be removed from my account and they were not. In fact, the consumer reporting agency did not delete the accounts but instead reopened them and attempted to recollect. Accounts provided below : Accounts : Date Opened : Alleged Debt : US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX
Product: Student loan

I was defrauded by XXXX XXXX XXXX XXXXSALLIE Mae/Navient . 
I attended the the school XX/XX/year> for approximately 2 months ( if that ). I withdrew shortly after arriving ( without a loan ). I quickly discovered the school representatives lied to me about retainment, job placement, accreditation, qualifications of staff, degree transfer, amongst many other things. At the time of my withdrawal i did not have a loan pulled, I was promised I would receive a loan by myself with funds going directly to me. I spoke to the financial dept. and the president of the school at the time of my withdrawal stating I did not have a loan and I was revoking any consent given prior as they had defrauded me. 

A loan was taken after I left the school. 

Sallie Mae/Navient refused to do anything when i reported the loan was taken without my consent or that of the cosigner. We were guaranteed no loan would be taken. Instead A loan was processed at a extremely high interest rate. I was not given proper communication, was overcharged and not given options for deferment and repayment. Under The Holder Rule Navient/Sallie Mae are equally responsible for the fraud that occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stole and as a result this XXXX XXXX XXXX  account was opened in my name. I haven spoken to XXXX XXXX XXXX XXXX and they have explained that this information should not be on my report as it is fraudulent.
Product: Debt collection

I have disputed this debt for years. It has now been over 7 years, and has been removed from my credit record. I never owed this debt, and they NEVER sent the legally required debt validation with my signature on any contracts, nor id verification. Nor could they, as I never had business with them. Now, over seven years later, with no legal claim to any debt, they illegally robocall my phone, often 5-6 times in rapid succession, and often more than 30 times per week. It will stop, or i will be suing them. Any continued communication from XXXX or any of its affiliates constitutes harassment. They have no reason to call me, and it WILL stop.
Product: Mortgage

In 2015 BofA suspended my home equity line of credit because my credit scores had dropped. I had never been late on any payment and there was a XXXX balance at the time. I inquired about the issue and was told my scores needed to be XXXX or above. I paid a 3rd party to help with this and increased my scores to between XXXX & XXXX ( current ). I requested reinstatement of the equity line from BofA and it was rejected. I just refinanced my home with a different lender and was charged {$450.00} to close the suspended equity line, plus {$39.00} for the payoff amount request. The suspended equity line was continuing to damage my credit, BofA would not reinstate it even though I had raised my scores well above the level they said acceptable. I understand charging to close an active home equity line of credit, however, suspending the account, damaging my credit with that action, and not allowing me to close the account without charging me {$480.00} amounts to extortion. I would like a refund of the {$480.00}.
Product: Debt collection

I have contacted Portfolio Recovery Associates LLC several times asking them why two separate accounts are still listed as in collections on the 3 major credit reporting agencies. I had paid both of these accounts back in XXXX of XXXX and the other one in XXXX of XXXX. They are still listed as in collections with a XXXX balance. I had talked with Portfolio Recovery and they had stated that they do not delete anything from the credit files. So I then contact all 3 credit reporting agencies and I was told by them that they do not delete them from the credit reports. They had went on to tell me that is up to the debt collection company. So I kept calling Portfolio Recovery asking if they could remove this information off of my credit reports. They did say they had sent out letters to the credit reporting agencies after the two separate bills had been paid. I had asked if they could send me those letters in the mail. They had told me that they could not send me those letters. They had stated that they were only for the credit reporting agencies to have. Even XXXX months after these bills had been paid they are still sitting on my credit reports as still in collections status.
Product: Checking or savings account

I am trying to close a checking account with Huntington Bank. They are asking me to either go into a branch ( I am >50 miles away from a branch ) or send a letter with my account information to a branch so that they can close. I am not comfortable doing either and would like a reasonable way to close my account like other banks offer. Thanks!
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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.

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! 


Update the late payments from my consumer reports
Product: Checking or savings account

I created an account under a new promotion that stated I would receive a {$400.00} bonus after I submitted two direct deposits totalling {$5000.00} or more. I created the account with the promotion then changed my direct deposit to that account. After two direct deposits, my account was locked when I tried to login online ( note that I had an existing CitiBankcredit card and being locked out of my account lost me access to that as well ). So I now have over {$15000.00} locked in that account and they will not allow me to access it. I spoke with their customer service today ( XXXX ) ; yesterday ( XXXX ) ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. Each time, I was transferred multiple times withoftenmore than hour-long wait times and all " customerservice '' agents were difficult to understand and tooka long time to do anything, all based out of XXXX XXXX. Early on when I finally spoke tosomeone, they said they could not speak to me until they sent me a letter. But they refused to confirm whether they even had the correct address or where the letter would be sent. Finally, I got the letter after it was forwarded after having been sent to the wrong address. It gave me a number to call. I called that number and they gave me another number to call. When I spoke to those people they hung up on me after they claimed they could not hear me after speaking forover 20 minutes, despite having no issues with my phone. When I called back yesterday, they told me they were closing my account with no explanation. When I asked what would happen to my funds they said they would mail a check, but again could not confirm the address and I suspect it will again be sent to the wrong address. They also would not let me update my address. Today, XXXX XXXX XXXX  I called back and spoke to another agent, " XXXX. XXXX The call lasted 16 minutes and 6 seconds. He confirmed that the funds would be mailed to me at my current address which he was updating to be XXXX XXXX XXXX, XXXX TX XXXX. He also confirmed that the funds would include both my direct deposits and the {$400.00} bonus made by Citi. He stated this several times for confirmation because I was doubtful. He also said the check would take 30-60 days to mail, which I find to be outrageous because I am losing out on interest this entire time.My other savings account has 5 % interest which, on the ~ {$18000.00} I deposited at CitiBank, would be earning {$75.00} per month. Now I am losing out on 4 months of interest. That is equal to about {$300.00}. To make up for my lost interest, I would like CitiBank to send me the full amount I deposited, the {$400.00} bonus promised, and {$300.00} to make up for lost interest. I would also like to access the account I created, or if they refuse to let me, then I would like all of the funds and the bonus IMMEADIATELY, not in 60 days. This is fraudulent behavior by CitiBank to lock up my money and no one should be banking with such a criminal institution.
Product: Credit card or prepaid card

We purchased a piece of furniture at XXXX XXXX in XX/XX/XXXX with interest free payment option. The purchase price was {$2300.00}. Our monthly payment was {$83.00}, but we made an automatic payment of {$100.00} a month. We decided to pay off the remaining balance of {$250.00} yesterday. But we logged into Synchrony website, it said we still owed {$1300.00}. I spoke to XXXX at XXXX XXXX this morning and then she transferred me to her supervisor, XXXX . XXXX said that the interest free payment is for only 18 months, which ended on XXXX XXXX, XXXX. Since it was not paid in full on XXXX XXXX, XXXX, she said that there is {$1100.00} of interest charge on the remaining balance of {$450.00}. First off, we were never told that it needs to be paid off by XXXX XXXX, XXXX. But more importantly, how someone can charge {$1200.00} interest of {$450.00}? This is ridiculous. Absolutely deceptive business practice! Who allows them to run a business this way? We already paid the remaining balance of {$250.00} yesterday. We want them to remove the interest immediately and close the account.
Product: Debt collection

I had a XXXX mobile cell account that I discontinued and so called breached NOW over 7 years in AGE in XXXX ... ... .XXXX  sold this account to Enhanced Recovery Company of XXXX Florida when I found a Negative report on my XXXX credit report ... .. 
this account is Over 7 years from discontinuation For CAUSE XXXX This debt collector Enhanced Recovery Company Wrongfully reports and dates account XX/XX/XXXX and NOT exceeding the 7 year limitation of XXXX I called ENHANCED RECOVERY who purchased this Factored account from XXXX Cell Phone Company and refused to delete this over 7 year reporting on my XXXX  Credit Report ... ... .My relief and remedy prior to contacting your Agency or going to Florida Court against XXXX and XXXX  was for Enhanced Recovery to attest and remove the reporting of collections against me OVER 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$390.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} ; XXXXXXXX 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 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, credit repair services, or other personal consumer reports

At this point my FCRA rights have already been violated. I noticed CAP ONE AUTO had a discrepancy in the " payment history '', " past due '', " date of last activity '', date of last payment '', date opened ' section of the listings. XXXX  and XXXX  are reporting a " date opened ' of " XX/XX/XXXX '', however XXXX  is reporting a date opened of " XX/XX/XXXX ''. XXXX  and XXXX  are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX  is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX  is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX  is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX  is reporting " date of last activity '' at " XX/XX/XXXX ''. Also this account is reporting as a collection/charge off which means it shouldn't have any payment history or past due balance ( {$15000.00} ) reflecting. This is a violation! If this is the same account, reported by the same creditor how are these numbers and dates different? Because of this apparent neglect in ensuring everything on my report is accurate consistent and up to date please " DELETE '' this item immediately.
Product: Credit reporting or other personal consumer reports

Request for Correction of Credit Report and Account Status Date : XX/XX/year> To : Capital One Customer Service XXXX XXXX XXXX Customer Service : Reference Number : XXXX XXXX, XXXX, and XXXX Subject : Request for Correction of Credit Report and Account Status Due to Erroneous Charge Dear Customer Service Representatives at Capital One, XXXX XXXX XXXX and the Credit Bureaus, I am writing to request a correction of my credit report and account status following an unintended impact on my Capital One Quicksilver account, resulting from a charge made by XXXXXXXX XXXX XXXX This charge, which was made in error, was subsequently reversed by XXXX 's XXXX. However, due to this transaction, my account was marked as exceeding its credit limit, which has negatively impacted my credit score and report. I would like to ensure that all records accurately reflect the resolution of this matter. 


Transaction Details On XX/XX/year>, my Capital One Quicksilver credit card was charged {$50.00} by XXXX XXXX XXXX. Realizing that this charge was not intended, I promptly contacted XXXX 's XXXX to reverse it. XXXX 's XXXX processed a full reversal of {$50.00} on XX/XX/year>. Despite this reversal, Capital One reported my account as exceeding the credit limit, resulting in an XXXX decrease in my XXXX score, which is now reflected in my credit report with XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

on XXXXXXXX  i sent certified mail XXXX, XXXX, and equifax containing all the fraudulent items on my credit report. the certified mail contained the violations the credit reporting agencies are in violation of along with my signature, a notarized statement that my permission was ever given, as well as a copy of my state drivers license. title 15 us code 1682c-2 states items must be locked and removed within 4 days of receipt.