23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Good morning, I added my husband as an authorized user on  XXXX  of my credit cards, but it made both of our credit scores decrease, so I asked them to remove him as an authorized buyer. They did, but they still reported the card information on his credit report. I asked if they could please strike the information from his record, as it is my debt and both cards are in my name associated with my SS #. They said they could n't remove the record. This is affecting his  credit score,   and as we pay off bills the records of these  XXXX  cards remains an issue to his score being lower than we would like. I simply wanted to remove him and the record. I still have the cards and do n't even want to close the accounts, I just do n't want them on his report. Can you please help me?
Product: Debt collection

I have received phone calls from Hastled Financial Services LLC with different numbers and area codes. They calim I owe some debt from XXXX XXXX. I have explained to them this isn't my debt. I have never done business with XXXX. I have told them each time they call that I need them to send me information via mail so I can legally let them know I'm disputing this debt as it isn't mine. Each time I ask them to do this they tell me they can't, they claim they have already sent notice, which isn't true. 
I take great care of my credit and I'm afraid they will report this debt on my credit without allowing me to legally dispute the vadility of this debt. They call numerous times throughout the day using different numbers, each time I ask them the same thing. 

The debt collector information is : Hastled Financial Services LLC ph XXXX
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$280.00}
Product: Mortgage

I accepted a forbearance plan on mortgage during COVID. In XXXX, I agreed to a loan modification for the five payments that were missed. Despite being in forbearance longer, I made payments including two in XX/XX/2021 as part of the loan modification agreement. Citizens were slow to process the modification and incorrectly reported the mortgage delinquent despite have the agreement in place and months of payments held in " suspense ''. They admitted that this was done in error but refused to give me written documentation stating that I was not delinquent and said they would try to fix it in a few weeks. My current loan statement remains incorrect despite many calls to try and rectify. The government 's COVID assistance was a lifeline for many of us but Citizens Bank has turned that into a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had identity theft and have been disputing fraudulent information on my credit reports with the XXXX main bureaus equifax, XXXX and XXXX to no avail. I have even sent them a copy of my identity theft reports but they refuse to investigate. Even if there was no identity theft, the information is still inaccurate across the bureaus as follows : XXXX XXXX XXXX. Is not my account! XXXX XXXX {$1000.00} Is not my account! XXXX XXXX Is not my account! XXXX XXXX Acnt # XXXX {$9200.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX  Acnt # XXXX {$820.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX Acnt # XXXX {$1700.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXXXXXX Acnt # XXXX {$3800.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt # XXXX {$540.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt # XXXX {$2900.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt # XXXX {$570.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX Acnt # XXXX. {$360.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt # XXXX {$770.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX Acnt # XXXX {$540.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX / XXXX XXXX XXXX the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX  the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : last payment :
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed to be a victim of identity fraud. Please delete the unauthorized inquiry not done by me ASAP. Thank you in advance.
Product: Vehicle loan or lease

Veros credit harasses me for only being a few days late. Due to the fact that im struggling to find a job. I believe in XXXX. Because they couldnt get ahold of me. They blocked my account, so i couldn't pay online, also they threatened me saying my XXXX was going to be turned over to the dealership. For only being 1 month late. and the reason they couldn't reach me is because i changed my number. But instead of calling my wife phone, that they have on file. They started calling and harassing our references. Yes i agree that its my fault for forgetting to update my phone number. But it is their fault on why they couldnt reach me. Because they did not call my wife number that is on file. Instead, they harassed my references.
Product: Student loan

FIRST ISSUE : My student loans were serviced by XXXX XXXX. I noticed duplicate charges for all of my loans and requested an audit. XXXX XXXX stated they were working on the audit and would get back to me. I was then informed that my loans were being sold, and I would have to contact the Department of Education. I tried to resolve the issue with the Department of Education to no avail. My loans ballooned from {$190000.00} to a WHOPPING {$310000.00} with Fedloan!!!!!! I have requested an audit of my student loans, but it is falling on death ears. 

SECOND ISSUE : I have been unemployed, so I applied for the Income Driven payment plan, and recently re-certified my application 3 months ( XX/XX/XXXX ) prior to the payment due date ( XXXX ). I am currently working a temporary job with an agency as of XXXX 2016, and sent all of my income information to FedLoan for processing. After calling for several weeks to find out what my payment would be, in XXXX I was sent a denial letter that I was not eligible for the Income Driven Plan. After several phone calls, it was determined the paperwork was not reviewed correctly, and my application would be expedited ( 3-5 ) to correct the problem. In the meantime, FedLoan Servicing sends me a bill for {$3500.00} due immediately. I contacted FedLoan again, and was told an Administrative Forbearance would be applied to my account to halt all billing/payment requests until my account could be sorted out. XXXX I received another bill, now requiring 2 payments!!! One for the now delinquent amount of {$3500.00}, and another payment due XXXX XXXX for {$140.00}. I called back to find out what was going on. FedLoan stated that my account was delinquent by 33 days for {$3500.00}, and would be delinquent for {$140.00} if the payment was not made on time. FedLoan made an error in processing my paperwork, created a delinquency on my account refusing to correct the issue, and demanded the only way to resolve the issue was to have the {$3500.00} covered by a forbearance adding additional interest and fees to my account. I need help!!!!
Product: Credit reporting or other personal consumer reports

I spoke today XX/XX/year> with XXXX, Citi Bank XXXX XXXX to inquire about 3 credit report hard inquiries that were reported by my identity protection over the weekend. They have proven that each Bank has had a credit card application submitted and denied. The individual is using my ss #, first name, maiden name and current address. I do not go by my maiden name. I also received an email from XXXX stating that there was a link to a letter explaining my application denial. I have asked each Bank to report fraud & pull back the hit on my credit. I have also frozen all 3 credit reporting agencies in case there's further attempts.
Product: Mortgage

I have a mortgage through Newrez LLC which I obtained as a VA homeloan in XX/XX/XXXX. Newrez bought my mortgage from the previous servicer, XXXX XXXX XXXX, and started servicing my mortgage in XX/XX/XXXX. On XXXX XX/XX/XXXX, Newrez sent me a form letter, which I did not receive until XXXX XXXX, claiming they did not have a condominium policy on file and threatening to apply one to my account at my own expense. On XXXX XXXX, my condo property managers faxed the certificate of liability insurance ( CoLI ) for my condo building to the fax number provided on the form letter, which was for Newrezs Insurance Dept - PROCTOR LOAN PROTECTOR ; XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX ; Proctorlp.com. My condo property manager also provided me a copy of the XXXX, which I submitted myself to the online portal also listed in the form letter. I followed up with the Insurance Dept at Newrez the day after submitting the documents and told I needed to wait at least two additional business days before they were processed. On XXXX XXXX, I sent a message to Newrez using their websites contact us feature requesting confirmation that the XXXX had been processed. The only response I received was a generic letter saying additional information was being gathered about my inquiry. I called the Insurance Dept at Newrez on XXXX XXXX requesting confirmation that the XXXX had been processed. A proctor loan protector agent, XXXX XXXX, claimed that the XXXX had never been received. He provided an email address for me to submit the XXXX to, XXXX, and informed me a confirmation email would follow submittal. I submitted the CoLI to that email and I sent three follow up emails requesting confirmation to XXXX later that day on the XXXX, on the XXXX, and the XXXX, and received no responses. On XXXX XXXX, Newrez sent me another form letter threatening to add an insurance plan at my expense to my account. I received that letter on XXXX XXXX. On XXXX XXXX, I called Newrez Insurance Dept again and was told they never received the CoLI, this time by XXXX XXXX. XXXX provided the same email contact information as before, XXXX, and I submitted the XXXX again via email. XXXX told me I would receive a follow-up confirmation email within XXXX hours that the XXXX had been placed on my account. I never received that confirmation email despite sending reply requests for it to XXXX on XXXX XXXX. On XXXX XXXX I called the Newrez Insurance Dept again and was told the XXXX had been processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company forced me into a verification process that lasted months, during which time I was unable to update my banking information to make payments. The have no phone system and they never responded to emails. Then I suddenly receive a settlement offer, which I accepted and paid but they dont report it to credit agencies, theyve saddled me with a bunch of missed payments, which I could do absolutely nothing to remedy and they did not provide me a copy of the settlement either electronically or by mail. An immediate investigation needs to be launched on this company and its unfair and seemingly illegal practices.
Product: Checking or savings account

I opened an online Citibank Accelerate Savings Account on XX/XX/2019. On XX/XX/2019, they sent a letter saying that they did not receive a requested information within 30 days so they have to close the account. With no warning, they locked my account so I could not withdraw my {$65000.00} deposit. In short, they " captured my funds. '' In that letter, they said they will issue a refund of within 10 business days. It is now XX/XX/2019 or more than 2 months after the letter was made and after numerous calls and complaints, they haven't returned my money yet. Each time I called, they would tell me that they would issue the check and send it by mail, which were all lies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$7100.00}, XXXX XXXX XXXX  Balance : {$740.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$160.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mr. Cooper bank is the holder of a loan on a duplex property in pre-foreclosure status located at XXXX XXXX XXXX, XXXX, IL XXXX. The property has been vacant for going on 2 years. Mr. Cooper bank did not winterize plumbing in the property. On Sunday XX/XX/2021 the pipes froze and burst in this property flooding the home as well as my adjoining duplex located at XXXX XXXX XXXX, XXXX, IL XXXX. I have reached out to the bank several times regarding this matter and have only been able to speak with customer services representative which have been of no help. To date no water mitigation as been started at the property which Mr. Cooper bank holds the loan for property at the address of XXXX XXXX XXXX, XXXX. The lack of proper water mitigation bears serious negative effects to my adjoining unit at XXXX XXXX XXXX, XXXX. I had water mitigation begin in my property on XX/XX/2021 and my property is currently gutted due to water damage. The current estimate of damage to my adjoining property is near {$17000.00}. I had to pay the plumber on the day of the incident {$270.00} for the plumber to shut of water in the vacant unit managed by Mr. Cooper bank and I also have {$1000.00} deductible related to the insurance claim. I would appreciate any help in resolving this matter and getting in contact with the appropriate party at Mr. Cooper bank to resolve the matter.
Product: Credit reporting or other personal consumer reports

This is an unauthorized inquiry not that was not initiated by myself.
Product: Credit card or prepaid card

I am a Chase credit card holder. An unauthorized charge appeared on my credit card on XX/XX/2020 for {$1200.00} from a vendor I did not do business with an did not recognize. I discovered the error on XX/XX/2020 and contacted Chase to report the fraud. They suggested I contact the vendor. The vendor would not accept phone calls and instructed me to email. I emailed the vendor on XX/XX/2020 to ask what the charge was for and received no reply. Chase cancelled the card and sent a new one and said they would investigate. I received a letter from them on XX/XX/2020 informing me that they were closing the investigation and insisting that I pay the full amount because I had " received benefit from the transaction ''. This is untrue. I called in an attempt to resolve the situation and the individual in the fraud department was unable to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX BANK ( XXXX ), ORIGINAL CREDITOR ; XXXX BANK XXXX SOLD TO, XXXX XXXX XXXX ( XXXX ) has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights 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 consent.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

( This complaint is being generated by the consumer to whom it concerns. ) on XX/XX/2022 I, the original creditor, consumer and Natural person checked my credit file and became aware of a third party debt collector furnishing an alleged debt to my consumer report in the amount of {$170.00} as well as another alleged amount of {$100.00} for a combined sum of {$270.00}. EASTERN ACCOUNT SYSTEM is and has been furnishing negative information on my credit report without my lawful authority and is in violation of 15 USC 1681s-2 ( 7 ) E. EASTERN ACCOUNT SYSTEM it is a third party and has no standing to deny my claim. I am aware that EASTERN ACCOUNT SYSTEM can be held liable for any violations that they have committed pursuant to 15 U.S. Code 1640 and I intend to hold EASTERN ACCOUNT SYSTEM liable for these violations. I have reasonable cause to believe EASTERN ACCOUNT SYSTEM is a debt collector furnishing an alleged debt to my consumer report as a means of coercing me to pay this alleged debt and further extort me and cause harm to my credit reputation. I am aware that collection of extensions of credit by extortionate means is a violation of 18 USC 894 and carries a criminal liability of up to 20 years. I have reasonable cause to believe EASTERN ACCOUNT SYSTEM HAS VIOLATED THE LAW knowingly and without remorse. Furnishing knowingly fraudulent information such as collections is a violation of 15 USC 6821 ( a ) ( 2 ). I am aware that 15 USC 6823 ( a ) states whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to five years or both. I have reasonable cause to believe EASTERN ACCOUNT SYSTEM is in direct violation of 31 U.S. Code 3729 - False claims.
Product: Student loan

As of XXXX 2012 balance due {$57000.00} with XXXX XXXX. The collection department XXXX XXXX XXXX contracted me into an agreement to pay {$360.00} monthly with {$2.00}, XXXX down to lock in an intrest rate of 0.01 % in XXXX 2012. I have made all my payments on time since XXXX/XXXX/2012. Navient Solutions Inc. has now taken over the loan and charged me 7 % interest rate and my balance now reflects {$53.00}, XXXX. I have made multiple phone calls since early XXXX to have bothe the interest rate and blalnce due corrected. As of date the only correction they have made is showing my interest rate at 0.01 % but the balance is still not corrected. I have spoken to multiple managers named XXXX and XXXX and they keep telling me it should be resolved in a few weeks but still nothing and I spoke to XXXX again today and he tells me he does not know when this will be corrected but it will be done XXXX day. He said there was really nothing else they can do at this point. I would like my true balance corrected and I can not get anyone in their department to help me get this done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im 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 : //www.ftc.gov to file a report and Per FCRA section 605b 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$17000.00}. 


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: Debt collection

On XX/XX/XXXX I called ALDOUS AND ASSOCIATES, PLLC about a debt regarding XXXX XXXX. On XX/XX/XXXX there was a newly posted debt from this company from XX/XX/XXXX for {$120.00}. I had directly paid {$120.00} to XXXX XXXX on XX/XX/XXXX, the same day it was posted on XXXX. The manager at XXXX XXXX had emailed both me and ALDOUS AND ASSOCIATES, PLLC stating the debt was paid and to remove it from their company. The debt was not owed to ALDOUS AND ASSOCIATES, PLLC anymore. Regardless of the debt I paid, the company does not have my legal name, address or email address. No contact was made to me about this debt and it had gone unpaid for 7 months because this company did not attempt to contact me. I spoke to a manager of this debt collection company and they said they would mark it as paid in full but would not remove it from my credit score. This debt belongs to XXXX XXXX, and I settled it with XXXX XXXX. ALDOUS AND ASSOCIATES, PLLC does not have the right to hold this debt on my account. The manger also refused to give me information regarding my identity and did not provide an email stating the debt or any other legal papers regarding this matter. He blatantly stated I dont think we did anything wrong and we will not do anything about it. He hung up the phone while I was speaking.