23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I started college in XXXX and was a XXXX XXXX XXXX. Unaware of how student loans really worked, I took them out through the government but still needed some help which is when I was told to look into Sallie Mae. My mother and my father both co-signed for me on different loans. Fastforward to XXXX I could not find a job in my field, so I decided to go back to school for XXXX and again, needed help paying. I took out more Sallie Mae loans to help with this cost since that is the only place I knew. I got in-school deferment for some loans during this time. When I graduated XXXX XXXX  I needed to start paying for my loans. I decided I would go get a XXXX XXXX XXXX as I still could not afford all of my loans and figured I could do in-school deferment again and then potentially make more money after I graduated to help pay for this. XXXX then happened and finding work was difficult. I tried to talk with Sallie Mae several hundred times to come up with a solution as to a payment that I could afford but they would not work with me. They wanted almost {$1000.00} a month! I told them they amount I could pay, and they told me that it was not good enough and that even if I put some money down it would not matter, and they would still report me and my co-signers to the credit companies. The last time I talked with Sallie Mae they had my mother and my father listed as the borrowers and me as the co-signer when they actually co-signed for me on separate loans. 
I received hundreds of phone calls from Sallie Mae as did my parents and even my grandmother and my uncle. People who have no idea about my loans nor should they. This company has threatened me and caused me so much XXXX XXXX XXXX  I have a strained relationship with my parents now because their credit scores are getting ruined by this debt. They even went as far as to call the local sheriff department on me which scared my family as well as myself. 
This company is predatory! I want to pay these loans off, but the interest rates are so high that even if I make the minimum payment the interest raises the amount of the loan. I borrowed around {$30000.00} from them and they now want almost {$70000.00}. The loans are now in the charge off process because they would not work with me for a resolution on how to make this loan affordable for me so they could get their money and my parents ' credit would not be ruined. I feel like this is taking over my life and I need help.
Product: Credit reporting or other personal consumer reports

According to consumer law, FCRA 1

5 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( 1 ( A ) must provide accurate information and yall job to prohibit information with actual knowledge of errors and ( B ) keep reporting information after notice and confirmation of errors. IT MUST BE DELETED According to consumer law, FCRA 15 U.S. Code 1681i ( 5 ) Procedure in case of disputed accuracy. If a credit report has inaccurate, incomplete, or unverifiable information then it must be removed from my credit report. This is a federal unethical practice which can lead to a litigation according to 15 US Code S
1681n Civil Liability for willful noncompliance. {$1000.00} per violation, you know the law. 

Company : XXXX Account # XXXX Violation XXXX Uploaded original contract from XXXX that verified my terms, they refused to delete the inaccuracy. 

Violation XXXX Last reported does not match Transunion say XXXX & XXXX says XXXX Violation XXXX Date last active Transunion says XXXX & XXXX says XXXX I have proof of all the errors. 

Per IdentityQ a trusted source for all XXXX credit bureaus I have blacked out certain items because these credit companies will copy and paste from my investigation rather than doing their job in investigations and fulfilling the law of consumer reporting I even reached out to the Attorney General concerning this matter of unethical consumer practices with legitimate factual reporting of errors of this account. 

XXXX has deleted this account due to the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several time to get my personal information updated so that it's accurate with no success. All I get is letters saying that they had a " suspicious request, '' even though I included my drivers license and proof of address ( same ones I've included on this complaint ). Please have them add, remove, or replace all information to match what's listed below : My current and only address is : XXXX XXXX XXXX XXXX XXXX, IN, XXXX ( Any other addresses are not deliverable to me by the U.S. post office. ) My ONLY and ACCURATE name is : XXXX XXXX XXXX ( Any other spelling of my name or alias MUST be deleted ) My only and correct date of birth is : XX/XX/1980 Please update/add my only employer to : XXXX XXXX XXXX XXXX My only phone number is : ( XXXX ) XXXX Please remove all the other addresses, names, aliases, birthdates, and employers ; except the ones listed above. Outdated information is not reportable as per the FCRA, since it is inaccurate. 

In addition, there has been a consumer statement added to my credit reports without my consent indicating a fraud alert. I would like that removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The State of Missouri Federal Court does not submit information of Public Records to ANY of the 3 credit bureaus, that was verified by me via mail with the State of Missouri Federal Court - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX. I had a Chapter XXXX Bankruptcy on XX/XX/XXXX that is an outdated Public Record still being reported on my Credit Reports from XXXX, Equifax and XXXX. All matters of Public Record that are not reported to the Credit Bureaus directly from the Federal Court, but by a third party data miner, are not to be considered valid or accurate. Please assist me in getting the Public Record from XXXX off of my XXXX Credit Report. Thank you so much.
Product: Debt collection

I leased a living room suit from Conns, I was victim of tornado disaster in XXXX 2016 which all the furniture was destroyed. Conns have called my phone at lease 5 times a day from more than XXXX different phone numbers. I have sent cease communication notice since they have placed it on my credit report as charge off. Conns is very harassing, they call my phone over and over daily from many different numbers. They have claimed that they will come get furniture but I have advised them it was destroyed in fire, they will not quit calling harassing me.
Product: Credit reporting

To whom it may concern, I XXXX XXXX, tried to obtain credit report from credit bureau XXXX/XXXX/2016, but Experian credit bureau failed to probate it for second time via internet. I recently applied for a house hold good and it was denied base on Experian credit report on file and encouraged myself to review the file and be aware of what 's being display in my credit file. By law I have the right to obtain my credit file and verify the information bureaus are displaying is accurate or correct and that the decisions made by the merchants or bureaus are not based on my XXXX religion, my XXXX appearance, or simple because the bureau failed to encrypted and properly allow the system to reach it. It sounds cold but when they turned you down because of this decisions mentioned above sounds like the Law is being broken.. 

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

Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. 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 an account without my written instructions. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

My 1st husband remarried and his second wife has the same first name as myself. All her other aliases such as maiden, previous married name, middle name, some of her employment history is under my personal information on Experian. I've contacted them by phone more than once and either im on hold until I absolutely have to hang up or I can't even get to a representative.
Product: Student loan

The courses that I was scheduled to take were never offered. They were too few students the school stated to offer the courses and as evidenced by their own accounting transcript classes were cancelled and that there was no teacher available for classes that I was present for. Allegations that I missed classes are erroneous and false. The school promised to provide a quality technology experience that would help me to get back into the workforce. It did not and was not prepared to do so. I signed for an original loan of {$10000.00} but the loan amount was changed on XX/XX/2007 without application for additional funds doubling the loan amount to {$19000.00}. I was not scheduled nor did I apply for a second semester of courses but the school attempted to show on the transcript provided that I did and that I did not attend the classes offered. I have secured all of the documents from the school to support my allegations. To date I have paid over {$30000.00} back on a loan of {$10000.00}. We continue to pay the loan to protect my credit. Navient also indicates that I have missed recent payment but I pay each month. My contention is that the company fraudulently assigned another XXXX to my original loan amount without my signature for classes that the school did not offer and had no intention to offer and for which I did not sign register for. I have attempted for ten years to rectify this situation. I have the relevant documentation to support my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$440.00}.
Product: Credit reporting

I had the item removed from my credit report in 2014 due to the fact that the collection company re-aged my account then the agency put it back on my report without notifing me or correcting the information I have disputed this information numerous times to no correction or removal
Product: Debt collection

PRESSLER AND PRESSLER SUED ME ON THE BEGINING OF XXXX with the XXXX SPECIAL CASE DIVISION COURT IN XXXX XXXX. XXXX XXXX XXXX. 
XXXX XXXX ( Original Creditor ) sold to XXXX ( pressler and pressler attorney ) .Defendant answered the claim and request interrogatories. Plaintiff provide hearsay documentation with affidavit from the XXXX XXXX not the original creditor. Plaintiff did n't provided any agreement or sign documentation showing the name of the defendant. This credit card was opened in XXXX and they filed a lawsuit in XXXX  where the defendant currently lives. The judge thought that the documentation provided was enough and executed a judgement. Defendant provided a reconsideration to vacate judgement but the pressler rebuttal stating that the judgement should be final and no reconsideration should be honor. Judge honor them a writ of execution which defendant never received from plaintiff by mail or by person. Pressler and pressler illegally provided a wage of execution and harras me me every time I was looking for a job sending wage execution notice to each employer. Currently and they know that I 'm unemployed and got a XXXX surgery making me judgment proof status. Until today 's date we do n't have real documentation that XXXX XXXX is the new creditor and pressler and pressler did not provide any crucial documentation. Even though there was a lawsuit from CFPB halt them to stop collection activities, the judge is aware of this but it was ignore.
Product: Credit card or prepaid card

XXXX XXXX closed my credit card account whom I've been with for nearly 3 years citing authorized users as risk factors. I add authorized users because they send me ads and promotions to add them for additional points, and now they decided to close the account. I've spoken to XXXX from the account restriction team and I've faxed in my social security card and lease but no one ever got back to me.
Product: Credit card or prepaid card

I have an email acccount with GMail of Google Inc. It needs to be paid for at $ XXXX/month. I received a bill now that says that if I don't resume payments within a few days, that the email account will cease to function. In that account, I have numerous folders with valuable content in them. So, in effect the email from Google constitutes a type of threat or insinuated threat that I need to pay immediately or else have some of my property deprived from me. I am not able to access those credit cards to my name that have the money to be able to pay Google, because I would have to order them online and then wait 10 days for them to arrive in the mail. So, it almost seems as if the timing of the message from Google someone knew that I am having these financial problems and is timing the " threat '' based on what the computer says is my ability to pay right now.
Product: Payday loan, title loan, or personal loan

Upon attempting to make a payment over the course of 48 hours, repeatedly received message that I would need to unlock/unfreeze my credit report prior to making this payment. Verification had already been performed via email, text message codes and customer service representative.
Product: Debt collection

Keeps calling my job and home making threats to sue me for a debt that I do n't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX and XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2017, creditor contacted a third party about a debt that is allegedly owed. Third party was not authorized to discuss details of this account. Information disclosed was a breach of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on last XXXX XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XXXX XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I been getting calls about my loan and made arrangements to pay but didn't have the money at the time even though i was late by one payment.I got a harassing call XX/XX/2018 about my loan from this guy name XXXX telling me I'm always late but i told him I'll be there to pay this Saturday but he kept on harassing me about a payment even after i gave him a day i was gon na pay it.This company he works for is XXXX XXXX.He kept calling my cell phone leave demands that come in and make a payment today but told him that i maybe late sometimes but I'm trying to pay and I'm only one payment due.
Product: Credit reporting or other personal consumer reports

The credit card from the creditor on my credit report named like XXXX  on my credit report on the Experian, XXXX and XXXX Refuse to close the account and report to the credit bureaus show the account close on the credit agencies Even though the account at my request to closed on XXXX and I contacted them and they said they couldn't do anything, that it wasn't their responsibility and that I should talk to the credit agencies.
Product: Mortgage

The cares act was provided to assist mortgages during XXXX, COVID pandemic. I worked with McCue to try and pay the mortgage despite the struggles of getting COVID, working in an XXXX XXXX XXXX XXXX which was greatly impacted. In attempting to get a new mortgage I realized that I was being charged late fees during this period that I was not supposed to be charged as I struggled to make payments. In XXXX after trying my best and running 60 days behind I took the option of filing for the COVID forbearance. During that period from XXXX to early XXXX I was not charged the late fees. 

This was reported to the credit bureau, I am in the middle of selling the house and attempting to get a new mortgage. Due to the charges incurred I am not able to secure a mortgage. I attempted to resolve this with McCue and I received an email that I was offered the forbearance before I actually applied therefore they are not able to remove those charges. Based on what I read about the Cares Act and consultation, I am making this report to gain a resolve with McCue Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I disputed the completeness and accuracy of a trade line being reported to my credit report. I was requesting account level documentation stating my agreement to do business with XXXX XXXX. I also sent a letter to the Credit reporting agency to remove the incomplete or inaccurate information. Neither company complied to my request. Instead XXXX  XXXX wanted me to send them supporting documentation for my request. 
I requested with a second letter to XXXX XXXX to do another investigation and another letter to Transunion and XXXX  to reinvestigate the request.
Product: Credit card

Complaint against XXXX regarding misleading practices and failure to disclose important information during the setup of my autopay option. 

Date of Credit Card Signup : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, WA. 
XXXX XXXX : In XX/XX/XXXX, I selected autopay to automatically pay my credit card dues. There was no notification on the app or website that I would be subject to 25-30 % interest on minimum payments. 

Failure to Inform : I was not informed via email or otherwise about the high interest charges. This lack of disclosure violates the Truth in Lending Act ( TILA ), Electronic Fund Transfer Act ( EFTA ), and Unfair or Deceptive Acts and Practices ( UDAP ). 

I contacted CitiBanks support team, client manager, and account manager multiple times but no satisfactory resolution was provided. I requested to pay off the principal balance in full and have the interest removed, but I received no assistance.

The 16-page agreement provided did not adequately explain the interest rates related to autopay or minimum payments, leaving the terms vague. 

Payments Made : Ive paid approximately {$4700.00} to date, yet excessive interest charges continue to accumulate due to the lack of upfront disclosure. 

Legal Violations : CitiBank 's failure to disclose key terms about interest charges during autopay setup likely violates TILA, EFTA, and UDAP regulations. 
Nature of the Dispute : CitiBank charged me 25-30 % interest without proper disclosure during the autopay setup process. None of the autopay options provided on the app or website clearly stated or correlated the interest charge guidelines, nor did they explain how these charges related to the terms outlined in the credit card agreement.

I request CitiBank to remove the excessive interest, and provide a refund for the excessive interest paid. 

Where the Ad Was Seen : XXXX, XXXX, Washington. 

Amount Paid to Date : $ XXXX.