23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

During early 2020, we were attempting to refinance student loans with XXXX XXXX Citizens that were already in their possession to consolidate into a single payment that made sense for my fianc. During that time XXXX and Citizens got stuck in the process and stopped talking with one another. Without notifying us the accounts go into bad standing, even though Citizens employees told us payments were not required during the time we were refinancing which then kicked the debt to collections. 

For the last year and a half we have been trying to work with the Citizens XXXX department, making regular payments of {$250.00} a month, which was all we could afford, to keep the account in good standing. During that time, we were told different information from every employee. Some said we could pull it out of collections to refinance and treat it again like a normal student loan, some said that wasn't possible, some said that payments could be accepted at any point to just keep making payments to keep it in good standing, and then the last person we talked to stated that payments needed to be regularly made the same date every month else it would be sent to another collection agency. That was when this account is now being sent to two more collection agencies without any written notice that this was occurring, what the current balances were on the accounts, or any further documentation from the Citizens XXXX Department in the first place. 

At no point during this time were we ever given the same answer. Employees at the local branch said one thing, tellers on the phone for the recovery department said another, and no one stopped to actually try and assist, only stating that is was out of their control and there was nothing they could do.
Product: Mortgage

SPS was not participating in Covid-19 relief therefore denied us for modification at least 6 times. They did refer us to Georgia HAF for assistance. We provided them with ALL documentation to prove our setback was due to the Covid pandemic. We were given a grant for {$32000.00} to bring our mortgage current. Our problem with SPS is the credit reporting. Under the CARES ACT, there are not to be any delinquent credit reporting due to the Covid Pandemic. SPS refuses to remove past due reporting during this difficult time. We are seeking your assistance in having them removed. Thank You
Product: Credit reporting or other personal consumer reports

I was a victim of Identity theft. I have filed a police report, FTC report, and signed a affidavit. I have disputed this fraudulent account on numerous times with Transunion, XXXX, and XXXX and no resolution. I have disputed this account directly with the creditor, XXXX XXXX and no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my ID and social security number and used it without my consent and knowledge. The person also gained a rental and car lease in my name. A credit card and insurance account was opened in my name as well. I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # XXXX ; XXXX On XX/XX/2022, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

In XX/XX/XXXX I had to close my checking account and open a new account. I had my Bank of America account on auto pay and I received an email on XX/XX/XXXX saying my payment was returned which I knew was because I forgot to update my checking account. Called them immediately gave my new bank account information and set up my payment. The next month I get a notification for another returned payment so I called XX/XX/XXXX and they had my account number wrong so I updated with them but they were struggling to understand how many XXXX  were in my account number. A month later I get another notification that my payment was returned so I called them yet again XX/XX/XXXX and they had the account number incorrect again. I spoke to another representative and again gave my number. Then on XX/XX/XXXX I got notification that they closed my account due to returned payments. I called them XX/XX/XXXX and XX/XX/XXXX and explained it was all the representatives fault not mine because I gave them the correct number. They said there was nothing they could do. I continued to make my payments on the closed account in XX/XX/XXXX and then in XX/XX/XXXX I get an email saying my payment was returned yet again. Immediately called them on XX/XX/XXXX and XX/XX/XXXX because I cant do anything online with my payments Im blocked so I have to call. I asked them how nothing has changed from XXXX to XXXX but XXXX payment was fine now XXXX payment is an issues. No answers or explanations. They said they would find out and call me never heard back that was XX/XX/XXXX.
Product: Debt collection

XXXX XXXX, IS A LAW FIRM THAT CLAIMS TO REPRESENT PENNYMAC LOAN SERVICES , LLC . 1. THEY ARE A 3RD PARTY DEBT COLLECTOR WHOM I HAVE NEVER HAD A CONTRACTUAL AGREEMENT OR OBILIGATION NOR DO THEY HAVE AUTHORITY TO OPERATE IN THIS MANNER WITH NO PERMISSABLE PURPOSE. THIS VIOLATES MY CONSUMERS RIGHTS ON DEBT COLLECTION PRACTICES PER THE FDCPA. ALONG WITH HARRASSMENT, THEY REPEATEDLY HAVE SENT MORE THAN 12 THREATENING NOTICES VIOLATING ( 15 USC 1692 ) STATING THEY WILL FORECLOSE ON MY PROPERTY AND VIOLATING PUBLIC LAW 73-10 HJR 1933 IS STILL ENFORCED TO DATE AS IT PERTAINS TO THE UNITED STATES OF AMEREICAN and its Citizens. AS
Product: Debt collection

A few years ago Ms. XXXX garnished my wages for a company she said I owed money to. She never took into account my XXXX kids or bills I had to pay, I was left with half my paycheck. Now she has contacted me in regards to another company she said I owe, I have told her this has been paid in full. She submitted documentation showing payments made from as XXXX XXXX account that I never had. Then there was a payment attached months down the road for {$500.00} from my account at XXXX XXXX XXXX. That {$500.00} was to pay my account in full, I never got another bill or a phone call, then about a year later I get severed from Ms XXXX saying I owed money, I went to the court and notified them that this was not my charge. I never got a court date, the next time I heard from the courts was saying that my wages would be garnished. I just got a letter from my employers saying I would have 20 % of my wages garnished. I have XXXX kids and only take home about {$900.00} every two weeks, I have not idea how I am going to feed my kids or pay my bills. I feel Ms XXXX is just taking advantage of me because she knows I can't hire an attorney, I am a single mother, and I was an easy target before. I also find it very interesting that both times she has done this it has been around the XXXX Holiday, this is two different years that she has disrupted my holiday. I hope that she doesn't do this again. My credit has been mixed up for years because I have had other peoples debts showing up on my history. Once I had a bankruptcy showing up and I have never filed bankruptcy, I am tired of always trying to defend myself from things I did not do. Is there anything that can be done to help. I never got a court date, I was told I owed and that was that.
Product: Credit reporting or other personal consumer reports

XX/XX/year> i submitted a complaint with cfpb and XXXX stated they closed the account and would remove all collections reporting. However the company removed the debt and added it right back. Causing my score to decrease XXXX points.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries on my credit report. I am a victim of identity theft, and the following accounts and inquiries were not authorized by me.

Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the prompt blocking of the following information from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

in 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. Account name : XXXX XXXX. XXXX  # XXXX ..., has 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 an 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I Have sent out numerous letters with attached proof of identity, bill, and social security number asking for everything stated on my credit report to be fixed and everything false to be removed. They did nothing but, ask me to submit the proof I've sent with every letter. I've sent numerous letters and have it all time stamped proofs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. This 's my 3rd complaint. I have 2 police reports on file with the XXXX Police Department and XXXX XXXX Police Department and have sent 2 police reports with the case numbers listed to XXXX XXXX, Equifax and XXXX in regards to the following fraudulent and unauthorized collection/charge off account and hard inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX-Branch, XX/XX/XXXX. The collection accounts and hard inquiries are all fraudulent and do n't belong to me. I have never had an account with XXXX XXXX XXXX.
Product: Credit card

On XX/XX/2023, Capital One contacted me to verify if I had used my Credit Card XXXX at a grocery store named XXXX. They reported that the card was used twice for {$36.00} and {$74.00}. I responded that I had not, that I was not familiar with a store by that name, or any charges made there. Capital One then requested I initiate a fraud report, cancel the card, and allow them to replace it. I followed their direction, spoke to a fraud representative to confirm the last legitimate charges I had made, after which the representative informed me they would investigate & resolve the fraudulent charges. When I inquired about when the fraudulent charges would be credited back to my account I was told the credit would occur after the investigation. Capital One then locked the card and informed me I would receive a replacement. Approximately 7-10 days later I received the replacement card XXXX. About a month after the incident I contacted Capital One about the charges & credit and was told it was still ongoing- XXXX XXXX on the phone. I made two additional attempts ( XXXXXXXX XXXX each ), on each instance I received the same response except on my last attempt I was informed the merchant had 90-days to respond. 
It has now been over 90-days. The fraudulent charges have not been credited. I have not heard a word from Capital One about the " investigation '' or lack thereof. Since I pay off my entire balance on most months, I have presumably paid off the fraudulent charges as well so as to not be charged interest. And, yesterday, when I attempted to search for the merchant ( XXXX ) in the charges on my Capital One application, the app offered no results. Essentially, the matter is forgotten at Capital One despite being unresolved and in violation of their card agreement terms related to unauthorized/fraudulent charges. Aside from the horrific customer service and borderline predatory aspects, I believe this may be a violation of the Fair Credit Billing Act ( FCBA ). 
Fortunately, I saved screenshots and the statement both of which show the fraudulent charges. I also have every subsequent statement to support my assertion that they were never credited back to my account. 
I respectfully request the CFPB 's assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to the credit bureaus on XX/XX/XXXX. Equifax and XXXX  have not responded yet, and they're supposed to respond within 30 days.
Product: Credit reporting or other personal consumer reports

COMPANY WILL NOT UNFREEZE / UNBLOCK MY CREDIT REPORT
Product: Mortgage

I closed on a home equity line of credit through citizens bank on XX/XX/2021. I was under the assumption it was a fixed loan as the paperwork states. In an area I was shown on an auto debit authorization form which listed both customer information and financial institution information which was signed. The customer information column includes loan account number which states fixed loan. The other column under financial institution information lists a corresponding citizens bank checking account that was canceled soon after the transaction that offered a percent reduction for opening the checking account with citizens bank. I found out its not a fixed loan and I was never able to take advantage of a percent reduction. In a year my percentage rate rose from 6 to a current rate of 9 percent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made telephone contact ( XXXX ) with DeptED/Nelnet to stop reporting incorrect information to all three credit bureau. The date of the last activity is incorrect. They are no longer the loan servicer for my student loans. I spoke with ( XXXX-agent Id XXXX ) and she informed me that Nelnet does not report information after seven years. She explained that no XXXX balance on all accounts. She further asserts this should not be reporting on my credit report and they have not sent any information to the credit bureaus. She told me to send a copy of my credit report to verify what is exactly being report so they can see and make a dispute. XXXX I clearly do not understand why XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. The following loans are out of date : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX When reaching out to all credit bureaus XXXX XXXX, and XXXX  all verify the information is correct. These loan amount all affect my debt to income ratio. I do not have any student loans with the Department of Education/Nelnet. This company is not a loan servicer. The information should be completely removed from all of my credit reports and they have cost me Loan opportunities DECLINED for home loans due to the debt to income ratio is too high. According, to the Consumer Protection Fair Credit Report all information on all three credit bureaus, must be reported correctly with the same date of last activity, balance amounts, correct address information, and correct date of birth, correct year of birth, and correct address. When calling into Department of Education/NELNET they did not have my correct address, they did not have my correct telephone number, they did not have correct current information. I am going to take my concerns to Court to enforce my rights as a consumer. I have written at least five letters since XX/XX/2020 trying to correct this information.
Product: Debt collection

debt as a result of unlawful retalitory eviction for reporting failure to maintain premesis in XXXX at XXXX XXXX XXXX years ago. Caused account to go sour. Lawyer will not take responsibility ( XXXX XXXX ) in correcting the matter. Complex has only just recently fixed thier broken premesis- leaving thousands ( forced thru robo eviction processes ) to be ruined financially and credit wise. Our " good renting names '' are ruined by unlawful data resale and we - even if debts were paid years ago- are still ruined. This is happening by the thousandfold right now due to corona. Landlords only care about profits and investors. Therefore debt in legal counterclaim belongs to XXXX XXXX c/o XXXX XXXX XXXX. Debt can be automatically default reverse judmented according to law. The courts refuse to prosecute and counterclaim without over XXXX bond- due at time of eviction, wether legal or not. Court would not hear evidence because city was in communication at the time- communications were by email. Mayor knows about the situation. " XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continue to racially profile my account with frivolous degrading information about accounts that does not exist and this Bureau keep using these fraudulent expired false document to deprive me of my Rights to a fair and acceptable report. There was false reports from XXXX XXXX and yet XXXX penalized me and even when it was brought to their attention they continued to degrade my character and degrade my score. The same with Navy Federal with false information being revealed. This is gross RACIAL PROFILING and needs to be investigated by the Federal Bureau Investigation. I am a XXXX XXXX veteran XXXX and these racial tactics I will not accept. If needed then let the Higher Federal Courts resolve this matter if we can't come to a reasonable and fair solution.
Product: Checking or savings account

A hacker hacked my checking account in Bank of America, and the Bank said they are not responsible for this hacker 's illegal activities for stealing my {$2800.00} from my checking account. I am very curious about this because I think the bank should have security procedures to protect the depositors and customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX has 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
Product: Student loan

I have student loans thru Navient for XXXX XXXX education. I have fed loans, dept of ed loans, and two private loans. Every month i have had problems with Navient incorrectly allocating my payments and every month they send me letters saying my payments are late, late fees are being applied and my credit score may be affected. I call every month to have this corrected because all my payments are on time. I have never been late in payments. Payments are sent to the correct mailing address and clearly have the correct account numbers on the checks. Normally they correct it once they find their error but this time it was not corrected. I can not get an answer to fix this ongoing problem. I have called since end of XX/XX/XXXX to fix this. No one luck.
Product: Credit reporting or other personal consumer reports

Capital One Finance CorporatioXXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX RE : ( XXXX ) ( LAST XXXX XXXX ) - GoodwillAdjustment for missed payment Account Number : XXXX Thank you for taking the time to read this letter. I have been a Capital One customer since XXXX of XXXX and during that time, I have enjoyed my experience greatly. I am writing this letter because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX on my CAPITAL ONE BANK USA account. 

I want you to know that I understand my financial obligations, and if it wasnt for me forgetting to update my account with my new card. I would have never missed the payment. I have an excellent repayment record. Since I opened the account with you guys three and a half years ago my record has been spotless. Its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. 

It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment for the month of XX/XX/XXXX. 

Thank you for your consideration, and I hope youll approve my request. 

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

I am writing this due to Non-compliance with the Credit bureau XXXX, the account ( XXXX  XXXX XXXX XXXX ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. 
I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW
Product: Debt collection

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.
Product: Credit reporting or other personal consumer reports

Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

Account name XXXX  XXXX XXXX XXXX XXXX Account number Last XXXX XXXX The following inquiries are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX