23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX I use to have a loan through Consumer Portfolio Services with a ridiculously high interest rate of 24 % I had a car which they been got back in XXXX it's almost 5 years later. I use to get calls from them 4-5 a day on my Federal Government phone at work up until XX/XX/XXXX when I left the agency. They use to threatened to have me arrested, come to my job and more. I always madevthem aware that they were calling a place of business a Government agency at that and what they were doing was harassing me. 

They started finding family members telephone numbers calling them telling them my debt information and that I was going to jail. Most changed their numbers to avoid the harrassing calls it was terrible. I had to constantly apologize to them for the company behavior. 

I was then living in a different place at the time XXXX XXXX XXXX is what they had on file. I moved from that residence and I had made them aware of it back in XX/XX/XXXX, when I voluntarily called them to attempt to settle the debt of {$5400.00} they were NOT willing to work with me knowing I wasn't gainfully employed. They asked me to submit to them all my monthly expenses and I supplied it all. 

As stated I contacted them at the time they had no way to reach me my home address had changed couldn't receive any mail from them or receive calls my work number was no longer active as of XX/XX/XXXX and my cell number was different. I had also made them aware of my new address which they obviously never documented because as you will see from the payment plan offer letter it has my old address on it, therefore I had no knowledge of anything. 

I was not aware of not judgment against me of any sort until XX/XX/XXXX. When I read the Payment Plan letter their attorney emailed to me which I requested trying to settle the debt. 
I was baffled that it was a legal case filed against me. I then typed in the case number online Maryland Case Search to see ifbit was real. ( It was really a case ) I had tried to settle the debt again in XXXX of XXXX when I was paying off many other debts with the help of a friend. Consumer Portfolio were willing to comply with any figures I offered said NO. 

Again to no avail... I reached out to them again this month XX/XX/XXXX and surprisingly they made a temporary payment option that is extremely ridiculous 24 % they are attempting to apply same high interest rate that was attached to the loan. Interest accrued {$390000.00} total I'll be paying them {$9900.00}. Simply use heard of they are trying to take advantage of me. That is more than the ble book value of a car they've been had possession of and SOLD. When I secure a job I'll pay that debt off in full the {$5400.00} before I sign documents binding myself to more debt. I have attached emails supporting all that I've stated in my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report several months ago and noticed that my XXXX XXXX credit card that I have had since XX/XX/XXXX was not being reported to any of the credit bureaus. I reached out to XXXX XXXX directly and they responded and confirmed that they would be re-reporting my account to all 3 credit bureaus. This request was recorded several months ago in XX/XX/XXXX. Unfortunately, at this time, Equifax and XXXX  are still not properly reporting my XXXX XXXX account. Equifax is not reporting the full history of my account ( they are only reporting from XXXX to present ) and XXXX  is not reporting the account at all. I know that payment history makes up a majority of my credit scores, so I am not getting the proper credit for the 8 years of on time payments to my Equifax and XXXX  credit score. I have tried calling XXXX  directly and also have sent them letters but I am not receiving any responses from them regarding this and other matters on my credit report.
Product: Debt collection

XX/XX/XXXX: XXXX XXXX account closed and paid in full. 
XX/XX/XXXX : XXXX XXXX started withdrawing money from my checking account, I stopped the payment. 

XX/XX/XXXX : XXXX XXXX sent to collections, Convergent. I disputed twice with XXXX XXXX and they said it can't charge me once account is closed but they couldn't get Convergent to return the charge off to get taken care of for me. 

I tried two other times through agencies credit reporting dispute process. They still did not remove and said it is a good debt. 

XXXX XXXX said not good, but yet Convergent says it was good. After account was closed I was charged. 

This is on my credit and now I have to pay to get a home mortgage or they will not try to finance me for XXXX dollars. I have no problem paying this, my credit score is over 750 but for some reason the bank wants me to pay this off. 

Please have them remove this from my credit. They are harming my purchase of a home.
Product: Debt collection

The information provided for these accounts is insufficient for proper validation. I am requesting that you promptly remove these items from my credit report, as they do not meet the necessary criteria for accurate reporting. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verifiable information on my credit report. I expect your thorough investigation into these matters and request confirmation of the removal of these accounts from my credit report. Kindly provide any supporting documentation used to validate these debts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX account was canceled on XX/XX/21 in writing and with in 30 days Cain & wiener placed a Collectsion on my XXXX XXXX and XXXX credit report. Please request progressive to supply you with the amount owed in writing because I feel they have an inaccurate amount as per their early cancellation policy. XXXX or XXXX, My credit damaged and it could take seven years for it to be removed.
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent and are reporting on my credit file. 

1 ) XXXX Account # XXXX. Amount=XXXX 

2 ) XXXX XXXX XXXX # XXXX Amount XXXX. 3 ) XXXX XXXX XXXX # XXXX Amount XXXX 4 ) XXXX XXXX  XXXX XXXX  # XXXX Amount {$480.00} 5 ) XXXX # XXXX Amount {$1200.00}
Product: Prepaid card

XX/XX/year> I called to try to receive the Routing and Account Numbers so that I can pay a Credit Card Bill. 

The operator told me they were not allowed to provide it to me as it is only used internally and then the operator told me to call the XXXX XXXXXXXX XXXX XXXX as they would be able to provide it to me. As expected, they couldn't provide it to me and told me to call the Way2Go card, which is operated by XXXXXXXX XXXX 

Additionally, when you call the XXXX Customer Service Line, ( XXXX ) XXXX or ( XXXX ) XXXX, you're never able to speak to a Customer Service Representative as there is no option to speak to a live person. 

Regards, XXXX XXXX Cellphone # : ( XXXX ) XXXX
Product: Mortgage

Good evening, I am a member of Pentagon Federal Credit Union ( PFCU ). I 've been paying my mortgage for the last 8 years at a rate of 6.125 % fixed. I 've been trying to refinance with PFCU since XX/XX/XXXX and my application is rejected every time due to the loss of my home value. I do n't have a XXXX or XXXX XXXX loan so I do n't qualify for other programs. Recently, in XX/XX/XXXX I changed jobs and my income was significantly reduced. In XX/XX/XXXX, I missed XXXX payments ( I pay every two weeks ) for the XXXX time. So now I do n't qualify for the new HARP program. I submitted a hardship application to PFCU ( XXXX in two years ) with all the paperwork required, including my retirement ( TSP and XXXX ) statements, income, expenses, etc. I requested a loan modification to reduce the biweekly payments and/or interest since I am overextended with my bills. The application was rejected again. What really upset me was that their argument is that I should take money out of my retirement account and take the 10 % IRS penalty to pay my mortgage. I was not evaluated based on other eligibility requirements. That may solve one month or maybe two but what about after that? My income is still too low. In a written letter, PFCU says that my best option may be to find more affordable housing. As an alternative to foreclosure, I may be able to sell my home in pre-foreclosure sale or short sale. PFCU also suggested deeding my home to PFCU as another option. I owe a little over {$110000.00}. My home is worth less that {$70000.00} due to the economy and numerous foreclosures in my neighborhood. I live alone and depend on myself only to make a living and pay bills. I feel like my back is against the wall and I 'm being set up for failure not only in the present but in the future. This bank does n't want to work with me. The " Hardship Application '' process is a hoax. It was a waste of my time and they only wanted to know where I could find money and are not trying to lower the interest rate of my loan.
Product: Debt collection

onemain in florida has called me after was told only call after work I have been called 17 time today XX/XX/2018 I know I owe you but they keep saying we will do a deferment and redo the loan I have losed XXXX dollars per last 2 years. employer did not honor our contract so I have not been able to get my payments with one main lowered they keep adding credit card interest daily my wife has had 2 storkes from stress and now a bad heart I also have something in my XXXX maybe XXXX not for sure this is to much stress on both of us for now please help XXXX XXXX
Product: Vehicle loan or lease

Wells Fargo cpi lied about the questions they sent. One of? What financial affect after car repossessed. I was sold a lemon car. I was a victim of fraudulent bank sales by Wells Fargo. How could they approve me if my husband truck was just repossessed my name was on the loan. I stated extremely hardships that me, husband and XXXX & XXXX yrs daughters lost our home & jobs. We were sleeping in my sisters borrowed car during heatwave risking 99.9 % of our lives, sleeping in my sisters bedroom in the floor where lots of roaches were. On XX/XX/20 I called executive auto office Wells Fargo to check about status on my check and the lady started yelling at me very rude telling me to stop calling. She mentioned to me that there was another check issued to me. I never received. I also got this letter from executive auto office Wells Fargo. It was a weird one I responded and left several messages and never returned them. Wells Fargo Administrator lied and lied to me. I dont deserve this Wells Fargo owes me a lot more. Please help me get justice from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many attempts to remove some items from my credit that does not belong to me. I think they are caused by identity theft. I am often out of town or the country for government contracts. Someone may have used my information. I sent a letter to the credit bureaus on XX/XX/2020, but that situation has not been resolved.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXX XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Student loan

I first called before my loans were due to be paid. I was seeking information about my repayment options knowing that my payment would likely be more than I could afford. I was told the only way to discuss repayment options is to let my loans be late on the first payment. I verified verbally what the representative was saying to ensure I was not misunderstanding. I then called back after my payment was late and was told that the only option I would have is forbearance. When I asked how that worked I was told I would pay {$150.00} and then I would be in forbearance for 12 months which would allow me time to save for my payments once they started again. I called back to make the {$150.00} payment in XXXX and was told I needed to not pay the loan that my co-signer is on with me so that it could be included in the forbearance. I asked if I did n't pay the loan with my co-signer on it if they would then be contacting him. They advised they would not. Th4ey contacted him anyways. I then called today to do forbearance and was told that it will only bring my account currant and that I am expected to make my full payment amount in XXXX. The only other option I was provided was that I could extend my loan from 15 to 30 years and pay {$200.00} less a month. My current payment amount for my private loans is over {$1300.00} a month so {$200.00} less was n't going to help much and it would extend my loan to two times as long and they would get two times the interest. Every time I call I get a different answer and no one can explain why.
Product: Checking or savings account

The banks manager is tampering with accounts, causing them to become frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regard to late payment notices sent to all three CBRA 's by XXXX. Please remove those notices. XXXX claims to have a program to help its clients keep current and those that have fallen behind. Due to COVID-related unemployment and issues with CA XXXX  which I informed the company 's Account Manager, I would need to arrange payments at a later date which I did and made certain they were kept. The Account XXXX stated that this would not be an issue and did not state that this would place a negative mark for late payment on my account. I paid the back due and prepaid the next due payments to keep my account ahead. In complete contradiction to their commitment to not penalize me, they placed late payment notices on my CBRA 's. This is dishonest and a violation of FCRA which states that they are required to inform a customer of a negative action that will be taken when questioned about the repercussions of making a payment arrangement.
Product: Checking or savings account

Yeah, I'm reaching out because of the issue. I'm having with Chine I got money from an insurance claim because part of my house burned down. OK now I had to Yeah, I'm reaching out because of the issue. I'm having with Chine I got money from a insurance claim because part of my house burned down. OK now I had to directly deposited in the chime because I don't have an actual bank account, but I ended up getting one after I got some money. Well me and my fianc had to make a bunch of big purchases to get back to things we lost long story short they locked my account. I have sent him everything that is needed pictures and pictures of my ID and a bill that's in my name pictures of my chime card. Emails of the XXXX XXXX and it's been like two months and every time I contact the supervisor they say the same thing there's nothing they can do they have to send it to somewhere else and they keep sending me the same email saying that the proof I sent them is not sufficient but they won't tell me what I need to change or do different I can't talk to nobody that knows and I'm about to get kicked out of my house and I got XXXX kids to feed and they got all my money for bills locked up. I don't know what to do thank you.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section XXXXb of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance {$810.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$32000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> Source Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Cease and Desist Request and Deletion of Collection Account Account Number : XXXX Credit Report Number : XXXX To Whom It May Concern : This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ) that I am disputing the validity of the above-referenced collection account reported by your company. I am requesting the immediate deletion of this account from my credit report and that you cease all further collection activity. 
In accordance with 15 U.S. Code 6802, your company is required to respect the privacy of consumers and limit sharing of personal information. Additionally, pursuant to 15 U.S. Code 1681c-2 ( Section 605B of the FCRA ), I am invoking my right to dispute the accuracy of this information on my credit report. If you can not verify the account or confirm its legitimacy, you are obligated to remove it from my file with all credit reporting agencies. 
I also request that all communication regarding this matter be made in writing to the address listed above. You are prohibited from contacting me via phone, email, or any other method per the Fair Debt Collection Practices Act ( FDCPA ). 
Failure to comply with this cease-and-desist request and the provisions of the FCRA and FDCPA may result in further legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ) , and my states Attorney General 's office. 
Please confirm, in writing, that you have received this letter and that you will delete the collection account from my credit report. I expect a response within 30 days of your receipt of this correspondence. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from One Main Financial saying that i have a credit hard inquiry which impacted my credit score on XX/XX/2019. I have not requested for any loan. However, I received a notification from XXXX XXXX that i am pre-qualified for loan and it also stated that this process will not effect my credit score, but an hard inquiry happened on my account. I request you to please take an action on this.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card

Chase Bank closed all XXXX of my credit card accounts in XXXX 2015 after I reported them to the CFPB for failing to secure my accounts from fraud after my cards were compromised. Since I generally paid my cards off each month, I had a credit balance of {$110.00}. I told Chase via phone on two separate occasions to issue a check for the credit balance. I also told them this via letter that they signed for. Chase has intentionally retained a credit balance on a closed credit card account and refused to refund me after I asked multiple times over a three to four-month period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian on Wednesday, XX/XX/, on or around XXXX XXXX PDT. I was on a long hold. Then an agent in XXXX XXXX dispute department answered. His name was XXXX. He alleged he couldnt hear me on the line. He said he cant hear anyone on the line and then disconnected the phone. There was nothing wrong with my phone. In order to get to a dispute agent, I had to interact verbally with Experians Interactive Voice Response System ( IVR or automated system ). Experians IVR requires the consumer to speak aloud in order to get transferred to the correct department. I didnt have any problems with the IVR while speaking out loud and the system acutely understood me. I then immediately called a colleague to test my phone. My colleague said I sounded loud and clear. Experian has many phone problems and it is egregious. This was not a one-time isolated event. This is a pattern of behavior for Experian.