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

There are hard pulls and tons of soft pulls that I do not recognize on XXXX, XXXX, Transunion asked to delete but still on my report. There are hard pulls as well that I do not recognize also asked to delete and they say it stays for 2 years. I said no because I did not request it by no Company. They refuse to delete.
Product: Debt collection

American Coradius International LLC ( ACI ) has been attempting to collect XXXX USD on behalf of XXXX. since I received a notice on XX/XX/2017. The notice I received from ACI was back-dated 59 days prior to my receiving it, to XX/XX/2017. The notice from ACI stated that it was my right to dispute this debt by writing within 30 days of receiving it. 

The same day, XX/XX/2017, I wrote to ACI, ( 1 ) disputing the debt claimed in the notice, ( 2 ) informing them that the debt was not mine and the result of identity theft documented with the creditor XXXX ( emails attached showing XXXX notifying me of the debt and my contacting them that the activity was fraudulent ), ( 3 ) demanding they ACI cease communication with me or anyone connected to me by phone or any address other than my home address, and ( 4 ) demanding that ACI only contact me by certified mail and only with the requested debt and creditor verification to which I am entitled. 

This letter was mailed to ACI at the correspondence address listed on the notice at approximately XXXX the following morning, XX/XX/2017, as shown by USPS Tracking. According to USPS Tracking, the letter was " Delivered, left with individual, '' at XXXX on Monday, XX/XX/2017. 

On Tuesday, XX/XX/2017, at XXXX, I received a call and voicemail from XXXX from ACI XXXX. Her voicemail said, " This is an important message for XXXX. This is XXXX from American Coradius International. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Please return this call today at XXXX. When calling back, use reference number XXXX. '' Not only has ACI continued to attempt the collection of a debt resulting from the theft of my identity, but they failed to provide notice of my right to dispute the debt they are attempting to collect, they have tried to contact a third party despite my clear request not to, and they are continuing to contact me in an attempt to collect after they received my clearly written demand to cease communication.
Product: Student loan

EdFinancial is my current loan management system for my student loans and they have not set up my auto pay despite multiple attempts and confirmation that my request to enroll had been received. I enrolled in autopay in XXXX and received confirmation on XXXX that my request was received. I followed the manual payment in XXXX with confirmation that autopay would begin in XXXX. I was charged for the XX/XX/2023 payment at the incorrect interest rate and paid manually. Despite confirmation that I was enrolled in XXXX, my XXXX rate had not changed and my payment was marked " past due ''.
Product: Debt collection

i had a credit card through XXXX XXXX i became delinquint when i lost my job i then had a XXXX and was hospitalised because the XXXX paralized my right side of my body comenity bank demed my account uncollectable due to no job and not able to work midland funding bought my debt for pennys and began sending mail but due to my situation deemed my debt uncollectable next thing i know they sold my debt to XXXX XXXX XXXX  XXXX  who is now threatening to secure my bank account and take what little money i make after returning to work after my XXXX and recovery given my condition i can not work the same positions as before therefore i make less money i am XXXX XXXX XXXX and will retire in 9 months if they take 25 % of my paycheck i will loose my home i had just started to recover from my financial delima when covid hit and i was thrown back into even more debt do these people have no compassion for human life I asked XXXX  XXXX  XXXX to send statements and proof that i owe then this money and they refuse to do so
Product: Credit card or prepaid card

HSBC XXXX XXXX CA branch - XXXX is my premiere banker. She set up bank accounts and credit card account. Credit card, upon being issued, was duped or used by another entity resulting in unknown charges. Also, the issue of the card was brought to XXXX 's attention immediately in XX/XX/2019 and she said she would take care of it ... call the cc division and have a new card issued. 
New card issued but they transferred balance to new card even though the point was balance was not generated by consumer. 
Also, this resulted in negative credit report ( late reporting ). 
You can not access the account number to pay the bill regardless. There is no account number on the bill anywhere. When you call them, after providing security info, they want you to go to the branch every time to pay the bill. 
They were asked to handle the problem on XX/XX/XXXX and the branch manager promised to be get involved. Than he left for holiday and never followed up on the issue 44 days later. So now hopefully CFPB can get my credit report cleared up and I can have a functioning credit card?
Product: Money transfer, virtual currency, or money service

I was scammed from XXXX  to crypto in the amount of almost {$10000.00}. Dates are XX/XX/2022 I contacted customer service and got zero help from them.
Product: Bank account or service

I opened a bank account with Citibank and was promised XXXX XXXX XXXX miles after meeting criteria. I have e-mail confirmation that I met my criteria but they have still not credited me the miles. I have e-mailed them and spoken to them at least 5 times about this issue and have not received what I was promised or an actual response.
Product: Checking or savings account

I had multiple vendors that I bought items or paid for services from that were never delivered but I was still charged. I tried to cancel the services or cancel the items, request refunds and ask for the automatic debts stop with the merchants with no success. These caused me hundreds of over drafts and thousands in fees and lost monies. When I tried to dispute things with Wells Fargo, they never cancelled the debits, blocked the reaccuring charges, or pursue action against these unauthorized debits, never refunded overdraft fees, kept charging overdrafts, pretty much never helped me, had my back, or treated me like a valued customer, just a number. In the end, the caused my business to fail and close its doors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the inaccuracies on my consumer report concerning the charge-off account, XXXX XXXX XXXX XXXX XXXX XXXX. Upon reviewing my consumer report, I noticed that the account is no longer under investigation. However, despite my numerous previous disputes, the inaccuracies pertaining to this account persist. It is evident that your agencies have failed to conduct a reasonable investigation, resulting in the continuous inaccurate reporting. 

After your previous re-investigation, the two different dates of last activity continue to be reported on my consumer report. XXXX reports the last activity date as XX/XX/XXXX, while Equifax reports it as XX/XX/XXXX. Additionally, the reporting of different last payment dates is also inconsistent, with XXXX stating " NO DATA '' and Equifax indicating XX/XX/XXXX. These inconsistencies clearly violate the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ) ( A ) ( i ) ( ii ) Treatment of Inaccurate or Unverifiable Information. 

Furthermore, the payment history section for this account is not fully complete. XXXX reports " NO DATA, '' and Equifax also indicates " NO DATA '' for both XX/XX/XXXX and XX/XX/XXXX. This incomplete payment history further contributes to the inaccurate representation of my creditworthiness.It is important to note that this account no longer belongs to XXXX XXXX XXXX and has been sold to a third-party. I have obtained certification from the institution that acquired the account, confirming its removal from all consumer reporting agencies due to identity theft ( email attached ). Therefore, the continuous reporting of the listed inaccuracies by your agencies not only demonstrates a failure to conduct a reasonable investigation but also reflects the unreliability of the data furnisher. This is a clear violation of the FCRA.
Product: Debt collection

I have started paying on this debt. However yall levied my pay check today for {$320.00} why is this??????
Product: Money transfer, virtual currency, or money service

I wanted to know who kept charging my card and why they had access to it. I got told that cashapp couldn't tell me any information on this and to just block the merchant trying to charge my card. I keep getting fraudulent charges on my credit card from multiple places. It isn't just one. I replaced my card so many times due to this and it keep happening. I had made disputes but never received my money back nor did I receive a resolution. My card keeps getting charged without my consent!
Product: Debt collection

My account, originally handled by Medical Recovery Specialists, was taken over by RMP XXXX. I had a payment arrangement in place for {$25.00} which stopped. I called to try to find out why and found out that someone else 's name was linked to my account and phone number. I questioned if my payments were being applied to my account or hers. They said they had no way of knowing that. I asked what her last amount was that was paid and they said {$25.00}, which happens to be the same as my monthly payment agreement. I told them if they can't even verify if the payments I have been making have even been applied to my account and verify the accuracy of what I owe, then I should not be expected to continue payments. It took me seven phone calls, dropped calls when being transferred to a supervisor then getting connected to a supervisor who couldn't even tell me what payments were applied or when or to what account. I told him if he can't prove I owe it, then it should be closed and he said he can not do that.
Product: Credit reporting or other personal consumer reports

Please block and remove the false accounts being reported on my credit report as soon as possible.
Product: Checking or savings account

I use the banking of cash app to receive my paychecks. I was going through a domestic relationship and he had access to all my account information. I received a deposit of {$780.00} on my account XX/XX/XXXX at XXXX by the time XXXX he removed my phone number and email address from my account. he had his banking attached and withdrew my money. i explained to the support agents what was going on. I have been denied, no access to my cash app account. and i have been with cash app since XXXX, I've never had a problem and anytime i had a issue with my money it was resolved. this time it seemed like nobody wanted to help me, i was getting ran around in circles. and I'm just out of {$780.00} that was stolen from me. i was wondering what i can do because i need to get access to my cash app account. and i would like to get my money that was stolen from me. i gave agents a new email to reach me by and they still reached out to the wrong email. i have called multiple times to have agents tell me my case number didn't exist and they could not help me.
Product: Payday loan, title loan, or personal loan

Chase Bank provided a XXXX XXXX  to XXXX XXXX XXXX  XXXX XXXX for payroll and expenses. After several attempts with them and filing a complaint with CFPB the amount was reduced from $ XXXX to XXXX XXXX 

Chase Bank failed to credit me all my expenses in the foregiveness. 

Recently a portal opened up with the SBA and Chase and I applied for the rest of the XXXX to be foregiven, A chase rep called and said I needed to apply for the whole amount again, that is not what the SBA said or Chase portal. 

To be clear I am trying to get the remaining balance XXXX XXXX foregiven for expenses I was never reimbursed for. 

Further I tried to work out a reasonable payment plan rather than getting a bulk payment bill, of XXXX
Product: Credit reporting or other personal consumer reports

I've never had an account with XXXX XXXX and the Bureaus refuse to delete this account. XXXX XXXX  provided a letter that doesn't validate that I've had an account with them. I've tried to contact XXXX in regards to this account and they continue to report to my credit report. I've never had a credit card with XXXX and yet they are reporting on my credit report. This accounts is reporting information which varies from bureau to bureau so that in and of itself proves that this account is reporting inaccurately and also for some of them. I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act.

I demand a re-investigation and deletion of this account and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, I'm going to assume that 30 days constitutes more than enough " Reasonable Time '' for the re-investigation and correction of my credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit  reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Vehicle loan or lease

hello i am XXXX XXXX, XXXX XXXX i have implemented the bill of exchange act of 1882 with the company GM Financial XXXX. I have sent documents off to them tendering the payment every month for set off of the account. They are not complying with my directives seeing that i hold power of attorney of the account making me the authorize user of the account.
Product: Credit reporting

I would like to have them removed because they causing me financial and emotional distress because of their derogative nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I entered into a COVID-19 Forbearance plan with SPS to cover XXXX, XXXX, and XXXX, XXXX and a late payment for XXXX, XXXX for an amount totaling {$4400.00}. 

On XX/XX/XXXX, SPS sent a COVID-19 Forbearance agreement with a total amount of XXXX, reflecting a calculation error identified as a two-month late payment in the document. 

On XX/XX/XXXX, I wrote to SPS to inform them of this error and to have it corrected. I received a confirmation of receipt letter from SPS in response, but nothing that addressed the issue. 

On XX/XX/XXXX, SPS sent a letter informing me that my COVID forbearance was ending soon ( XX/XX/XXXX ) and that I needed to resume making mortgage payments. I resumed making on time mortgage payments in XX/XX/XXXX and have continued for XXXX and XX/XX/XXXX. 

In XX/XX/XXXX I completed a COVID-19 Forbearance Deferment form on the SPS website . The SPS deferment agreement was in the amount of {$5900.00}. I did not accept the agreement and again wrote to the XXXX XXXX at SPS on XX/XX/XXXX for help resolving the issue. 
SPS responded in writing On XX/XX/XXXX to state that {$5900.00} reflected mortgage payments from XXXX through XX/XX/XXXX. 

I wrote to the XXXX XXXX at SPS again on XX/XX/XXXX, providing detailed documentation of the error and asking for assistance to resolve the issue. SPS responded on XX/XX/XXXX stating that they had already addressed the issue and referred me to their letter of XX/XX/XXXX. 

I telephoned the XXXX on XX/XX/XXXX and explained the situation again to a live representative. I was told at that time I would have a resolution no later than XX/XX/XXXX. I received no communication from SPS and called the office again on XX/XX/XXXX. 

On XX/XX/XXXX I received a phone call from the same representative, informing me that my mortgage payments for XXXX, XXXX and XXXX had been applied to the COVID forbearance months, that the now {$1400.00} excess payment was an escrow shortfall adjustment, the COVID 19 Forbearance deferment was not being offered to me, that my account was now being referred for foreclosure and that my only choice was to pursue loss mitigation. My last two escrow statements do not reflect a shortfall. 

I have tried for months to resolve this with SPS. Instead of acknowledging the original calculation error, they have persistently tried to attribute it to different and factually inaccurate sources. It can be verified that I made the mortgage payments for XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. It can be verified that I did not have an " escrow shortfall '' in the amount of {$1400.00}. I can not ascertain whether my experience with SPS is a result of incompetence or criminal malevolence. I would like the matter resolved immediately.
Product: Debt collection

TSI is trying to collect a debt that was never owed. XXXX, XXXX, the original company charged me for items they say were not returned, but they were returned and I have proof. Or the " debt '' is for something else. I do not know because it was never established, why the debt was owed in the first place.I have responded on their website that they need to send me proof, unpaid invoices etc but they ignore that.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX INC. 'S CREDIT CONSUMER REPORT SERVICE IS IN VIOLATION OF THE ( FCRA ) RULE OF LAW ENFORCED BY THE DOJ DEPARTMENT. 
EQUIFAX INC. IS CURRENTLY LISTING AND PROVIDING FRAUDULENT UNAUTHORIZED INQUIRY INFORMATION TO THE PUBLIC. 
I DID NOT REQUEST THAT THESE COMPANIES PULL HARD INQUIRIES FOR ANY TYPE OF SERVICES, XXXX XXXX XXXX  ON OR ABOUT XXXX XXXX. XXXX 
# XXXX XXXX XXXX XXXX XXXX ON OR ABOUT XXXX XXXX. 
THE SAID ABOVE INQUIRIES THAT EQUIFAX INC. IS REPORTING IS IN FACT FRAUDULENT, AND SHOULD NOT BE REPORTED TO ANYONE ' DUE TO ID THEFT.
Product: Debt collection

Springleaf Financial contacted the HR Department at my job multiple times and disclosed to them that it was regarding a debt. They even asked the HR Department to hand deliver the message to me. Now I am facing losing my position in the company and possibly my job. In addition, they call my office and cell number around 4 to 8 times per day every day. I never intended to not pay my debt. Medical circumstances have complicated my financial situation due to a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I submitted a complaint To your agency regarding Barclays, as part of the bank 's response, I was uploaded someone else 's credit file. Yes, using this site, Barclays shared with me someone else 's credit file. I tried to call Barclays and only got a voicemail that did not allow me to leave a message.

So, now I am wondering if this person 's credit info now a part of my file? How secure are our credit files? Has Barclay 's mixed my file into someone else 's? 

Simply look on your site, and you will find the file of XXXX XXXX and a letter written to XXXX XXXX uploaded to me. I am not XXXX XXXX. 

What a mess and invasion of privacy.
Product: Student loan

Hello. 

I consolidated my DL loans with MOHELA XX/XX/2012. I started a 20 year graduated repayment plan. I received notification on XXXX from US. Dept of Ed stating that the loan servicer platform would be changing. The email also stated that the loan terms, conditions, interest rates, available repayment plans and progress toward loan forgiveness would not be affected. I then received an email from MOHELA on XXXX that the payment schedule for my loans have changed. Upon contacting MOHELA via phone twice, they said despite me being notified previously that loan terms would not change, since they can not increase the interest rate of my loans, they started the 20 year repayment over. Now instead of repayment ending in XXXX they have it where I repeat all payments and end in XXXX. 

I did not sign a new contract. I did not agree to term changes. It is unjust to start a repayment plan over in the middle of an already established repayment plant. 

I should have only 8 more years of repayment, not 20. 

I greatly appreciate your assistance in aiding the rectification of this error. 

Thank you, XXXX XXXX
Product: Credit reporting

Due to illness, I used an XXXX to get to hospital XX/XX/XXXX. The ambulance service sent a bill XX/XX/XXXX which my husband paid online on XX/XX/XXXX. XX/XX/XXXX we received a letter from collection agency saying we did not pay for the XX/XX/XXXX service. We provided to the collection agency both verbally and twice in writing with a partial copy of our credit card report showing we had paid and therefore we believe they submitted a false report to the credit bureau because we would not pay again for the service.