23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When I first started having issues making payments, I was told I should get a forbearance but only if I paid a {$150.00} fee. That {$150.00} fee was a processing fee that {$0.00} of went towards my loan. There was a petition and protest about this a few years ago and they finally stopped doing that but I was forced to pay that {$150.00} fee a number of times before they ended that practice. Whenever I called to talk about figuring out a payment plan or lowering my payment, they were very unhelpful and I usually ended up in tears. It was never an issue of them honestly not being able to lower my payment, they just wanted me to pay more. I was asked by a number of reps if I could get money from family or work a XXXX job and even told that I was being irresponsible by not being able to afford the monthly payment. I am no longer under their thumb as my husband and I sold our house and the first thing we did was settle on our loans so we would n't have to be harassed by XXXX/Navient anymore. My husband and I each had cosigners on a couple of our loans. My mother and father were each cosigner on a few of mine and they were harassed repeatedly by XXXX XXXX. I asked them to stop calling them and they told me I had to send a letter in to them by mail to request that. I did so and found out later that they continued to harass my parents. When I contacted XXXX XXXX to ask why my request was not being followed I was told that they received my letter and had it in their system but they did n't have to follow it because I had not hand signed it ( which I believe I did do ). I have a brother-in-law who lives in XXXX and is fairly well known there. Someone from XXXX XXXX called his house and talked to his wife asking about my loans. When I called and asked what that was about they said they could n't get ahold of me so they wanted to get my attention. My husband 's grandparents were a cosigner on one of his XXXX XXXX loans as well. His grandmother passed away a few years ago and his grandfather remarried. His grandfather had moved to XXXX and was in XXXX and they were calling his wife 's house and sending letters to harass her. After he died they even tried going after his estate. XXXX XXXX is the most despicable entity I 've ever encountered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
US DEPT OF EDXXXX XXXX XXXX. XXXX XXXX , XXXX . XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX - XXXX. XXXX, XXXX has XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX, 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.
Product: Mortgage

Seterus sent my mortgage portfolio to mr. cooper management. Seterus sent the mortgage portfolio minus the escrow account funds to mr cooper. Then went out of business for bad practice. Mr cooper could not retrieve the escrow account money due to seterus being out of business. Mr cooper decided to get the money from me. Meaning I paid seterus in full and mr cooper in full. Contacted mr cooper explained there was no shortage on my end, but they did not care and continued to charge extra from the escrow account for one year. At the end of the year XX/XX/2020 now having collected XXXX dollars. Mr cooper collected XXXX extra in escrow account payments and traded me to XXXX in XXXX. XXXX continued to charge double in escrow payments. I brought it to there attention that I was overpaying after 4 months of talking with XXXX they sent me a check for a XXXX dollars in overpayment to my escrow account. The XXXX had charged me XXXX lowering my payment back to the original amount. What I'm after is the overpayment in XXXX dollars from mr cooper.
Product: Debt collection

Getting litigation calls, threatening calls for wage garnishment, no many XXXX, no letters in the mail, leaving messages on family members machines, getting calls from numerous agencies since XXXX original debt from XXXX. Spoke with XXXX account was transferred as of XXXX XXXX to XXXX. Spoke with XXXX account was settled and paid. Nothing is owed. That was taken care of with Northstar location services final payment on XX/XX/XXXX settled for less than full balance. Been getting calls from the following agencies XXXXXXXX XXXX XXXXXXXX XXXX account number XXXX. On XX/XX/XXXX, Received a call from a XXXXXXXX XXXX XXXX on XX/XX/XXXX, left nasty message no number. Received another voice message from a company in XXXX XXXX stating they needed to collect on a debt that was on XX/XX/XXXX. Received another phone call today XX/XX/XXXX left a recording with no message From telephone number XXXX XXXX. I am about had it with getting calls on this old credit card that was taken care of. I have spoken with XXXX and spoken with XXXX  and its been paid in full. I am not sure what to do at this point whether to hire a lawyer or what I am looking for help as I am very frustrated the debt is in my XXXX  XXXXXXXX XXXX so you will need different information.
Product: Credit card

On XX/XX/23 I went to download my paypal credit statement. It said the paypal app needs storage permissions to be able to download this. I went to app settings because unlike any other app in existence it didn't pop up with a way to easily do this.. I went back to the app and received the same message even though I specifically authorized storage permissions. I then tried to access my statement via the paypal website and as soon as I logged in it force opened the app. They are denying access to my and XXXX knows how many other peoples statement ( XXXX ) and obviously need you to go hold their app development teams hands to get it fixed as their support team litteral told me " theres nothing i can do about it ''.
Product: Debt collection

To Whom It May Concern, On or around XXXX XXXX, 2016, I received a debt collection notice from MRS Associates of New Jersey alleging I owed {$250.00}. An amount they claim was incurred from a XXXX XXXX account. MRS Associates proceeded to furnish this negative information to the XXXX major credit reporting bureau, XXXX, on or around XXXX XXXX, 2016. On XXXX XXXX, less than 30 days after receiving notice from MRS Associates , I sent a notice of dispute and request for validation, pursuant to the Fair Debt Collection Practices Act and the Fair Credit Report Act, via U.S XXXX Postal Service Certified Mail with return receipt. On or around XXXX XXXX, 2016 MRS Associate 's employee received my notice of dispute and validation. 
I continue to dispute the validity of the claim of debt from MRS Associates, as I have no knowledge of the account referenced in MRS Associates ' notice. I requested that MRS Associates substantiate their claim of debt by providing me with ; statements of the account, the name and address of the original creditor, and proof that MRS Associates is authorized to collect on behalf of XXXX. On or around XXXX XXXX, 2016, MRS Associates sent me insufficient validation, validation which does not substantiate their claim of debt. 
I request that MRS Associates remove all negative tradelines furnished to any credit reporting bureau and cease all collection activities until such a time validation of debt is received that properly substantiates their claim of debt. I will not consider this debt valid until I receive statements of the account, the name and address of the original creditor, and proof that MRS Associates is authorized to collect on behalf of XXXX. No person should be subjected to debt collection from companies not willing to substantiate their claims of debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX Dear Sir/Madam, Subject : Notice of Dispute and Request for Verification of Payment Timeliness I am writing to formally dispute the reporting and treatment of my account with XXXX XXXX, particularly concerning the allegation of a late payment. This dispute is based on the precedent set in XXXX v. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 2001 ), which addresses the proper handling of credit payments and consumer rights under similar circumstances. 

Additionally, according to 15 U.S.C. 1666B ( a ) - Timing of 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 if the payment was received by the due date specified. 

In light of these provisions, I request that you provide me with the internal records and documentation proving that my payment was actually late. Please include the payment processing details, including the date and time the payment was received and any relevant correspondence regarding this matter. 

Moreover, I have noticed that XXXX XXXX has inaccurately reported this account on my consumer credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). I request that you promptly correct any inaccuracies related to this account on my credit report and notify me once the correction has been made. 

Please respond to this dispute and provide the requested documentation within 10 days from the date of this letter. Failure to do so will result in further actions to protect my rights under the applicable laws. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid. 




If you require any further information from me, please contact me at my email XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Product: Debt collection

XXXX XXXX from Stoneleigh Associates XXXX is calling my place of employment everyday and if he doesn't get me on the phone is talking to my coworkers and manager about my debt
Product: Debt collection

Southwest credit XXXX keeps restarting the clock on an old debt. I havent had XXXX since XXXX and on my credit it says XXXX which is false, also they are saying I owe a higher amount than what I actually do. Its ridiculous.
Product: Debt collection

I have checked my credit report and have noticed inaccurate information on my credit report thats causing damage to my report
Product: Credit reporting or other personal consumer reports

Verification of Charge-Off and 1099-C for accounts # XXXX in the amount of {$2200.00} Charged off on XX/XX/year> # XXXX in the amount of {$1000.00} charged off on XX/XX/year> # XXXX in the amount of {$2500.00} Charged off on XX/XX/year> Dear Capital One, I hope this letter finds you well. I am writing to formally request verification of the charge-off and issuance of a 1099-C for the accounts listed above. This request is made in accordance with the Internal Revenue Service ( IRS ) guidelines and regulations. Please provide the following information for the specified account : 1. Confirmation of the charge-off status for the account in question.

2. Details regarding the amount of the charge-off.

3. The date on which the charge-off was officially recorded. 

Furthermore, I kindly request a copy of the Form 1099-C that has been or will be issued for the aforementioned account. This form is crucial for accurate reporting of income and compliance with tax obligations. If your company doesn't have these documents requested for deletion from all major credit reporting agencies immediately within 3 business days. If there are any supporting documents or additional information required to fulfill this request, please do not hesitate to inform me promptly. I appreciate your prompt attention to this matter and look forward to receiving the requested information within a reasonable time-frame. Thank you for your cooperation in providing the necessary documentation for this verification process.
Product: Debt collection

I was billed for my ex wifes cable bill. This was with XXXX and I paid, they still reported me as I didnt pay. I pay them again and they still show in my credit report as a close collection. The collection was open in XX/XX/2018.
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, XXXXXXXX XXXX  XXXX. 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 or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX  Balance : {$25000.00} ; DEPT OF EDXXXX XXXX Balance : {$6500.00} ; DEPT OF ED/XXXX XXXX Balance : {$3400.00} ;
Product: Checking or savings account

Wednesday, XX/XX/scrub>XXXX XXXX  : Early direct deposit not received. 

Thursday, XX/XX/scrub> XXXX  : Direct Deposit funds were not deposited into my checking account. No information was provided by Capital One to me why my paycheck was not deposited, where the money is, when I could expect to receive my money. 

Thursday evening, XX/XX/scrub>XXXX XXXX approx. XXXX XXXX XXXX  Capital One sent out a blast email explaining a third-party server went " down '' and the problem was being addressed. No resolution was given. No timeline for receiving my deposit was given. 

Friday, XX/XX/year> : No deposit has been received. No word from Capital One as to when I may expect to receive my money. 

Customer Service hold times are over XXXX hours. No way to directly connect with a representative. 

WHERE IS MY MONEY???????
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote several disputes to Experian on ( XX/XX/XXXX and XX/XX/XXXX ) about the following inaccurate accounts appearing on my credit report. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX, # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Showing them each violation and its inaccuracies. I have asked them to Please perform an investigation and help me figure out why my credit report reflects such errors. 

Experian intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. Repeated requests to provide methods of accuracy & verification used by Experian pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date. This is the 2nd letter from Experian dated XX/XX/XXXX says they will not investigate the items. They are in violation.
Product: Credit card or prepaid card

I was contacted by Wells Fargo 's automated service on XX/XX/2020 of insufficient funds in my account. The auto-payment of the credit card, which had been suspended, was reactivated without warning and drafted from the wrong account. 

As a result, I have incurred a {$35.00} returned payment fee. It also seems my credit was affected. I made Wells Fargo aware on XX/XX/2020 by phone call that the amount needed to be reversed and all automatic payments needed to be suspended. I noted on this phone call that I would like written resolution, as well as an email confirming that I had contacted them on the matter. 

I received a confirmation of my complaint on XX/XX/2020 stating that the matter would be resolved, at the latest, within 10 business days. It has now been 11 business days and my account has not been credited with the fees that were erroneously charged to me after an automated charge that was cancelled was run against the incorrect account.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX
Product: Checking or savings account

PER reg cc regulations banks are required to give adequate notice on availability of funds. Capital One bank does give such information. Per reg cc it clearly states what are next day available items for deposit. Per reg cc a bank is also supposed to inform you of a hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TranUnion have arent complying with my dispute request. I have attached both letters Ive submitted to the three bureaus in the documents section below.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Early dates between XXXX and XXXX Sending money through Zelle. Accidentally sending it to accounts and not being able to receive a refund or cancel the transaction.
Product: Debt collection

I contacted ACEI regarding my account the week of XX/XX/XXXX. The debt was from a medical bill that I was not aware of. I paid the {$700.00} bill in full and XXXX XXXX refuses to return my call and provide a letter stating it was paid. My credit report has not been updated. I keep calling and the person that answers refuse to let me speak to someone in her absence.
Product: Debt collection

Wells Fargo is threatening to sue me if I dont pay them what I owe, first of all I was only approved for a credit limit of XXXX and they are telling me that I owe more than that. Second of all, I lost my job a few weeks ago, so I dont have a way to pay them as of right now. I dont appreciate that this bank is threatening to sue me and take my stuff away, this bank is the worst and I hope that no one else banks with them at all. Never again will I get anything from XXXX XXXX either.
Product: Credit reporting

Experian is reporting XXXX student loans on my credit report that do not belong there and the other XXXX credit bureaus already removed them. 

XXXX - XXXX XXXX - XXXX XXXX - XXXX