23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter just months before the wage garnishment. I called the XXXX number and the person that answered was very rude. I asked what this was about and to send me the information concerning the debt. He told me that it was too late, and the garnishment was in placed. I said that I can't afford a garnishment it would ruin me. Again, I asked what the debt was about, again he stated you should know. So, I said maybe I need to acquire a lawyer, then he being as rude as ever stated yeah, please do we have lawyers here, too. The company sent a wage garnishment to my employer and now {$680.00} is taken from each check. I can not pay my necessities bills, pay for my XXXX meds, and sometime buy food. I was working from home before XXXX because I was on a medical leave of absence. Then while on medical leave my employer sold the business and I had to receive unemployment benefits which didn't cover most of my bills. Then almost 2 years later, I found a part time job for part time paying {$15.00} dollars an hour. At this point, I don't know what to do.
Product: Credit card

Unauthorized charges appeared on my statement. I froze the card in order to prevent further charges. Within the next days, more charges appeared, totalling more than {$1800.00}. Three disputes were filed and all were denied due to me having the card. All these charges were made in Florida, I reside in New York and have proof that I was at work on all days in which these purchases were made. The bank did not help as their reasoning was that the charges were made using the card chip.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  # XXXX, Account XXXX  XXXX # 1944, Account XXXX XXXX XXXX # XXXX, Account XXXX 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 a account without my written instructions
Product: Credit card or prepaid card

I purchased a course from a company called XXXX for {$8600.00} on XX/XX/2023. Shortly after I found out it was a fraudulent course, I cancelled it, and I called my credit card company Gemini immediately to dispute the charge. I received a letter from Gemini on XX/XX/2023 confirming the dispute and they would investigate the charge. The course was cancelled by WBtrading and I was not able to access the platform. On XX/XX/XXXX, I was notified from my credit card, Gemini, that they completed their investigation, and they determined that the dispute was unsuccessful. I emailed XXXX and they confirmed via email that they refunded the money to the credit card, Gemini, almost immediately. They advised me to pay again if I wanted to use the course. I am attaching the letters from the credit card company Gemini and emails from XXXX confirming the refund of the money to the credit card company. I am requesting the full refund of {$8600.00} plus any interest that the credit card Gemini charged during this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrect information on my TransUnion and XXXX  report how can the same account show different data last activity on TransUnion is XXXX XXXX times late 30/60/90 1/2/4 XXXX  last activity XXXX XXXX Late 30/60/90 0/2/4 Also charge off dates different XXXX And month reviews are different TransUnion 72 XXXX  73
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Reporting act XXXX Account # XXXX, have violated my rights. 

15 USC 1618 Section 608 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan at late for purpose.

I have remained very humble throughout last year & these last 4 months despite all the stress, abuse and harm that EXPERIAN, XXXX, & XXXX has caused me. I have had a enough of all the abuse and unfair practices from EXPERIAN, XXXX, & XXXX. pursuant of 15 usc 1681b ( 2 ) I didnt give EXPERIAN XXXX XXXX XXXX & XXXX any form of written instructions to accept, furnish or report any information on my behalf by the powers vested in me by the one TRUE living XXXX I hereby DEMAND that all negative accounts, Late payments, charge offs, that was not Authorized or Verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Equifax reported not my inquires to them of inquires that were not mine XXXX from XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. 

On XXXX reported not my inquires XXXX XXXX XX/XX/XXXX XX/XX/XXXX On XXXX reported not my inquires XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Nationwide Recovery Services offered to remove XXXX accounts from my credit reports ( all XXXX ) if I paid the amount due. I paid the accounts and they have not removed the collection accounts from my credit reports as they promised.
Product: Mortgage

i took the 180 cares act thing because of covid was sent after 180 day a notice that if i paid one payment the rest of the back payments would be add on at the end of my morgage so i paid the one payment and now when i go to make the next payment is say i owe all the money from the 180 day program and it wont let me make a normal payment why? i agreed to keep making my normal payments and the amout that owed from the 180 period would be added on at the end of my morgage. so what happen? so are you going back on the agreement. if so i guess i have to get a lawyer and take you to court. i dont want to do that so lets just go back to the agreement and il pay my normal payments and you add the owed back balance to the end of my loan. also you need to fix your site so i can make my normal payments again because right now it wont let me pay anything thanks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with XXXX XXXXXXXX Bank XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from my credit report.
Product: Student loan

After the U.S. Department of Education announced that student loan payments had resumed due to legislation passed by Congress, I logged into my AidVantage account and paid the remaining {$820.00} left on my student loan account and completely paid off my loan in full on XX/XX/XXXX ( payment confirmation : XXXX ). Despite my loan being completely paid off and my remaining balance being {$0.00}, AidVantage fraudulently charged me {$51.00} on XX/XX/XXXX on a loan that had a remaining balance of {$0.00} ( paid off on XX/XX/XXXX ). Because of this my loan amount or " unpaid principal '' is showing as $ XXXX. Not only did AidVantage fraudulently overcharge, they did not email me notice that this transaction had gone through and they have not taken any steps to inform me that they are returning those funds to me.
Product: Mortgage

In it 's response to complaint XXXX, SPS says they are denying my right of rescission because my loan originated in 1998 ... my ORIGINAL loan did originate in 1998, BUT XXXX ( the original servicer after they got the loan from XXXX, the original lender ) advanced over {$50000.00} to repay themselves what they spent tp pay off XXXX XXXX, my XXXX mtg holder. 
Thus, they did not just modify my original XXXX mtg like they ( SPS ) are trying to claim ... they actually REFINANCED my XXXX mtg because adding the {$50000.00} plus in additional funds is a cashout loan. The {$50000.00} in funds added to the original balance is money lent to me ( whether I wanted to borrow it or not ) ... unless they did not charge me for the XXXX mtg payoff this is a cashout refinance, period. 
Thus, I stand by my demand to rescind the loan. 
If SPS cares to make a reasonable counter offer, I will listen, but only if they acknowledge the true facts.
Product: Vehicle loan or lease

I 'm late on my car payments but still pay every month. I 've requested to change the due date on the loan since it is at the beginning of the month, same as my rent is due. They have not done anything to try and accommodate this. Also they call me over three times a day demanding payment, Including Sunday 's and early morning/late evenings.
Product: Credit card or prepaid card

I called Discover to report my card lost. I told a representative from Discover to review a summary of charges before they send me new one. After reviewing an unauthorized charge for {$4200.00} was made to my account on XX/XX/XXXX. Days after it was lost which was XX/XX/XXXX. Discover initially removed the fraud charge of {$4200.00} from my account and sent me a new card. Over 2 months later I received a letter from discover with a request to called them. I immediately called in on XX/XX/XXXX to speak with a representative from Discover to answer questions about the charge. A week later they added the fraudulent charge of {$4200.00} back to my account on XXXX XXXX which is my birthday. My birthday was pretty much ruined by this. You would think they would side with the customer in this situation with charges uncharacteristic with my normal spending patterns. In situations like this the big banks can be unsupportive to the customer. Smaller credit unions are the way to go when it comes to support. Credit unions like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are usually accommodating to the customer. The big banks are a mafia.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2017myinformationwaspersonalinformationwascompromisedduetotheXXXXBreachonXX/XX/2017.Sincethenmanyinquirieshasbeenplacedonmycreditreportthatdonotbelongtome.IntheattachmentIvesentyouarealltheinquiriesthatareonmycreditreport.Ihavecircledtheinquiriesthatdonotbelongtome.IvetriedreachingouttotothesecompaniesbutIhavegottennoresponseregardingthismatter.Pleaseremovetheseitemfrommyreport.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are with XXXX. I have always made my payments on time. For whatever reason, there are late payments on my credit reports. As you can see in the letters I attached, I've always had great payment history with these accounts, then it randomly shows 90 days late the next month after on-time payments. This simply isn't possible. I tried contacting Equifax, XXXX, and XXXX, but none of them have responded to my request. I have highlighted the clear errors in their reporting in my attachments.
Product: Consumer Loan

I had an account with XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. While having this loan I was called at least XXXX times a day, they would call my job and everyone of my references. The interest rate went from 29 % to 110 %. I could n't understand this at all and I do n't think thats legal. I had to finally file bankruptcy to get them to stop harassing me. my payments went from XXXX to XXXX a month. How am i suppose to ever pay this off. 
My name is XXXX XXXX My telephone number is XXXX Thank you for listenng
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Transunion, XXXX, and XXXX credit report and I noticed some inaccurate information posted on my consumer report regarding late payments. 

XXXX XXXX XXXX  XXXX ( 6 Late payments ) XXXX XXXX XXXX  XXXX ( 1 Late payment ) Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions between the consumer ( ME ) and the person ( YOU ) Transunion, XXXX, and XXXX making the report is not INCLUDED on my consumer report! 

A late payment is a transactional history, my HISTORY with your company. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

Your company has violated the FCRA 15USC 1681a 2Ai by reporting this transaction or experience between the consumer which CONGRESS clearly states is NOT included on my CONSUMER REPORTS.
Product: Credit card or prepaid card

Deceptive business practices On or about XX/XX/2018 I applied for a capital one credit card ( secured ). After a time period, the application expired. I called capital one concerning the application and they stated to reapply. I called to check status and representative stated it was denied due to a previous application, and stated to reapply again. I checked on the status and again was told XXXX reapply and I was denied because I reapplied. Capital One customer service decieved and encouraged me to make multiple applications to be submitted which resulted in my application denials and credit inquires.I then found that Company policy states that a grace period in between applications are to be made but this was not presented to me until after multiple applications. I found to be the reason for such a denial to take place, due to lack in training of Capital One representatives. The response from capital one was that they can not approve the application due to multiple applications. however did not state it was due to representatives not informing customers of such a grace period or not to encourage further multiple applications resulting in denials of credit card. I have reviewed my recordings of these incidents, and it confirmed that it was a customer service error. As far as inquiries, I was not sure which ones needed deleting or confirming as I was told numerous times to submit multiple applications. 
XXXX, representative contacted me stating these incidents ( recorded as well ) XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, Equifax, XXXX, and XXXX regarding unauthorized hard inquiries, fraudulently obtained bankruptcy information, and incorrect personal information that is being reported on my credit report. I believe that these actions are in violation of the Fair Credit Reporting Act ( FCRA ) and warrant an investigation. I kindly request that the Consumer Financial Protection Bureau investigate the following issues : 1. Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$5600.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

On XX/XX/18 I received notice from my credit monitoring services that a collection was placed on my credit reports, which significantly dropped my credit scores. I called Waypoint on XX/XX/18 which their office was closed. I called back onXX/XX/18 st XXXX EST and spoke with XXXX XXXX concetning removing the debt off my credit reports because I never received a letter nor a phone call. She informed me that she couldn't remove the item unless I started the dispute process. I told her this debt was already satisfied with another collection agency who had already removed it from my credit reports. I again asked that this account be removed from my credit report because I wasn't given proper notice and that I had the documentation to prove that I didnt owe it. I asked for an email address to send in my documentation, which she did provide ; however, she still stated she couldn't remove the collection. I stated again that I never received notice and that it should be removed because that is the law! On XX/XX/18 I have emailed my receipt document to Waypoint and I'm awaiting their reply to my email.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX This number called Said I got a loan in 2019 and I'm going to jail. I have never got a loan in my life I paid off 2 cars that I own one bought cash other financed took 1 year to pay and I already sold vehicle as trade in. This was pure fraud asking for my social security number.
Product: Debt collection

I received a letter from Radius Global Solutions, LLC in regards to collect a debt for XXXX. I informed them that there is no debt due as per XXXX XXXX own policy, the contract was dissolved because they couldn't service my new address. I made the dispute XXXX XXXX 2024 and as of today, XX/XX/XXXX they have failed to provide proof or move it off my credit report as per the federal law giving them XXXX  days to do so. I spoke to XXXX XXXX employee code XXXX
Product: Credit card or prepaid card

I contacted Barclay card about lowering the interest rate on my account so more of my payment is made towards the balance, they refused and their reasoning is because the balance is to high. The purpose of a lower interest rate to pay down the balance. With the existing interest rate on the account the monthly payment is becoming to much and I will not be able to pay it next billing cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there is an unauthorized hard inquiry on my Equifax credit report that was processed by XXXX XXXX. I didn't recognize the inquiry and contacted XXXX XXXX   to ask them to remove it since I don't have any business relationship with them. A few weeks later, XXXX XXXX   sent me a letter stating that they don't have any record of me in their systems and that they never did any inquiry on my credit file. 
Finally, I contacted Equifax and submitted the XXXX XXXX letter as a supporting document in order to get the hard inquiry removed from my credit report but Equifax responded with a rubber stamp statement saying " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor ''. 

I don't think Equifax properly investigated the case or even looked at the supporting document that I have provided and I have firm believe that my credit record was illegally accessed and altered as a consequence of the Equifax 's data breach ( The unauthorized inquiry occurred around the time the data breach was discovered ).