23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a student at XXXX XXXX XXXX University in XXXX XXXX, Ohio from XXXX & XXXX I experienced financial hardships that caused me to get behind with the payment plan for the tuition. I could not qualify for student loans. 

My income at that time wasnt enough to make the payments necessary to pay off the balance of the unpaid tuition. The original amount was {$7300.00}. As I was in a position to make monthly payments the tuition debt was turned over to the Ohio Attorney Generals collection department. I received letters from them saying that on top of the money I owed the school, they charged me with interests, attorney fees and other fees- totaling to about {$12000.00}. 

Since then I was in dispute of this debt because I have been wanting to pay the money I actually owed the school. So since XXXX, The collection account has been transferred from one debt collection agency to another. When I contact them they ( the collection agency ) demanded a lump sum payment of between {$8000.00} and {$9500.00}. However it has been impossible to come up with such an amount in my own. And when I consider on making a payment plan I feel like I will be paying unnecessary fees and charges that I dont really deserve.
Product: Debt collection

To whom it may concern, On XX/XX/XXXX, I discovered that two of my checking accounts were restrained, at the request of Harrison Financial Group, for the amount of {$15000.00} each ( for a total of {$31000.00} ) based on a Default Judgement of {$8700.00} issued in XXXX XXXX, NY. On XX/XX/XXXX, I submitted the Exempt Funds forms to the two banks in question ( XXXX XXXX and XXXX XXXX ), requesting that the funds be released while I obtained legal counsel. While awaiting a hearing pursuant to a Order to Show Cause, we were informed by the plaintiff 's counsel on XX/XX/XXXX that the funds were garnished on XX/XX/XXXX from the XXXX XXXX  checking accounts to satisfy the satisfy the judgement. A Satisfaction of Judgement was provided to me by the plaintiff 's counsel. I submitted a request, accompanied by the Satisfaction, to the two banks to have the remaining restrained funds released on XX/XX/XXXX and again on XX/XX/XXXX. 
As of XX/XX/XXXX, the funds have not yet been released nor have I received a reply other than to instruct me that the Release has to be sent by the Plaintiff 's attorney. The Plaintiff 's attorney ( XXXX XXXX, Harrison Financial Group ), was notified as well on those dates and has not followed through with submitting the requested documents to the two institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX Inquiry Date : XXXX XXXX Please remove this collection account from my credit report. I have never heard of this company nor have I ever done business with them. 

Creditor : XXXX XXXXXXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report. This account is reporting incorrectly. 

Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report I am not aware of this Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XXXX XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XX/XX/20XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered that XXXX was reporting a negative credit card account on my consumer reports which is in violation of under the Privacy Act of 1974. They agreed per there contract with me that they would not report my non public personal information to a non third party affiliate. It is evidenced on all of my consumer reports that XXXX has breached there agreement with me and violated there terms and conditions by reporting my non public personal information to third parties, namely XXXX, XXXX and Experian pursuant to 16 cfr 313.3 and 313.7 ( 1 ). Pursuant to 15 USC 1681 ( b ) Creditors can not furnish consumers information without explicit consent. And XXXX is also still currently reporting transaction history which is illegal. I wish to Opt out pursuant to 15 USC 6802-6805. XXXX was obligated to send me a opt out request every 30 days and failed to do so.
Product: Credit card

Started this credit card with a XXXX XXXX Dollars credit limit. I have never missed a payment but the credit kept going up and it is now over XXXX XXXX Why they are sending me text messages that my payment is due even though I make payments on the XXXX of every month. Never missed a payment and the interest rate is too high. I called them to close the account but they refused to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC Identity theft report, Identity theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Product: Credit card or prepaid card

I have had a Citibank Citicard for 35 years. Member since 1984. 
The Bank recently closed my card due to inactivity. I received a letter a week after the closing letting me know. I called the Bank to have them reopen the card. Instead of reopening the card only a week closed they wanted to go through an entire application process to review if I still qualify for the card ( that I had for 35 years with a great credit history on the card ). As a 35 year customer I did not appreciate being treated like a new customer. I was willing to update my information but not have it used as a credit check for a card that was good 1 week ago but now needed to be reapproved. 
I chatted on line, spoke to customer service and a card manager and while they sympathized with me there was nothing they could do without the application questions. 


There was no notice ahead of time about the closing. They stated it was system automated. Although I have worked in banks for over 20 years and the card systems generate a report of cards about to be closed. In the banks I worked with we reviewed these reports to see if there were any good/long term customers that we wanted to notify ahead of time. 

I thought that this is a ridiculous practice to go through a whole new approval process ( after only a week ) when the card was good for 35 years. The Bank didn't care about my updated information as long as I was using the card and paying there interest and fees. 

I would like the card reopened without all the hassle. Just reopen it. It was good a week ago.
Product: Credit card

On XX/XX/year> logged into the synchrony app where you can view all of your accounts. 
upon further review they have closed every single account talking XXXX XXXX / XXXX, Store Cards. All of them closed without warning on the same day. They say they have mailed letters I have not gotten any formal letters at all. This kind of baking behavior will destroy a persons credit rating which will create a domino effect. A lot of these accounts did not have high account balances if a balance at all and all of my payments have been made on time each month. These banking practices need to be stopped as consumers can not come back from this type of damage to their credit rating. Here is list all of the accounts closed : Paypal Credit Paypal Master Card XXXX XXXX XXXX Brandsmart Ashley Rooms To GO Care Credit Sams Club Sams XXXX XXXX XXXX XXXX Amazon XXXX XXXX HSN XXXX XXXX Credit Card Belks Chevron Citgo Walgreens and more but they won't let me log in from the account to list the rest of my closed accounts This is roughly XXXX of dollars in open credit that will destroy my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 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 an account without my written instructions. under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I have sent several certified letters to these companies, XXXX XXXX # XXXX, XXXX, XXXX, and Equifax. The response I have received from all companies is that they do not have to follow the laws I mentioned in paragraph 1. I will also attach the letters and responses I received from them. I have waited more than 60 days for them to correct this issue, You have 10 days to comply with the law or my lawyer will contact you to sue for negligence.
Product: Payday loan, title loan, or personal loan

Lending Club repeatly has denied my applications for debt consolidation loans over the past 4 years, and yet they keep sending me invitations to apply, with a pre-approved amount of up to {$35000.00} or {$40000.00}. 

Despite the facts that I have an excellent repayment history and a good credit score, they continually deny my applications due to debt-to-income ratio and excessive debt.
Is n't that why they sent me the invitation in the first place, so I could consolidate those debts?!?!?!?!?!?
They know darn well what my credit score and income are.
This deceptive practice must stop.
Product: Credit reporting or other personal consumer reports

Experian is not removing accounts items that was open in XXXX & XXXX due to fraud. Some account was open over 7 years ago. Experian is stating from the last payment activity on my that's when the accounts will be removed. That is not Federal Law. Federal Law says account should be removed from the 7 years of account opening. And these accounts listed in the FTC report that was submitted to all 3 of the Credit Reporting Agencies..
Product: Credit card

I do not have any existing balance with CapitalOne credit card co. I received a new card that has never been activated. A transaction came thru that I did not authorize. They are giving me the run around with regard to disputing the transaction. The transaction amount is {$89.00} from a software security company.
Product: Debt collection

XX/XX/2020 through XX/XX/2020. 
United Check Recovery Bureau ; This company have been calling, leaving threatening messages, Using foul language as a intimidation to get me to agree to a debt that is not even mines. I never did any business with this company. I have No Contracts with this company. They call all throughout the day everyday, using different phone numbers most of the time to contact me. They call at least 4 to 5 times a day, starting early in the mornings. 

Again I have no Contracts or Loans with this company. Please stop the Harassing phone calls. I haven't received any notice by mail from this company, explaining to me what is this allege debt they say I owe them.
Product: Mortgage

I have been behind for several months with Mr. Cooper. When I call in to talk to them about my options, I'm always told withdrawing from my XXXX is my " best option ''. It's been a fight to get them to even entertain the idea of a payment plan or hardship plan. I was recently on a hardship plan with them and missed a payment due to job loss. They then declared my loan " over 6 payments late '' because my missed payment violated the hardship program agreement. I'm not 6 months behind. This number is staggering. I don't understand how I was making payments to the hardship program but somehow those payments didn't count towards bringing my loan current? 

I called today to request reinstatement of my loan as it is now in foreclosure for the past 14 days. I've been told that I have to call back in to " see if the quote has come in '' next week. 

This loan company does not care at all for anything other than getting money. As long as you pay them, you're golden. But if you slip, they let you fall and they do little to nothing to help you get out of that. I know for a fact in XXXX over 750 complaints were filed for this company. I'm not alone. I've read the court documents. This is a predatory loan company and they don't care about helping people stay in their homes at all. Just money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The amount owed for the daycare collection is higher than the account balance so that needs to be corrected.
Product: Credit reporting or other personal consumer reports

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely. 
accounts include XXXX XX/XX/XXXXXXXX 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

I have been trying to remove inaccurate information from my credit reports, there are inquiries on my report that do not belong to me in regards to inquiries for automobile loans. 

The following inquiries that are inaccurate on my credit reports : XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX Experian-XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX  XXXXExperian-XXXX XXXX, 2022 SXXXX XXXXExperian-XXXX  XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX-Experian-XXXX  XXXX XXXX 2022 XXXX XXXX, XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX  XXXX XXXX, 2022 XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX  XXXX XXXX 2022 XXXX XXXX XXXX XXXX, 2022 XXXX, XXXX XXXX, XXXX Negative Items : XXXX XXXX XXXX XXXX, Experian XXXX I have resolved this account, please have XXXX XXXX remove this negative item from my credit report XXXX Thank you XXXX XXXX XXXX XXXX XXXX Experian XXXX they claim that I have made late payments before, but that is inaccurate, I have requested them to correct this several times and they keep saying they will, but to date they are still showing my late payments on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax XXXXata Breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax Information Services LLC credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXX - {$1800.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$19000.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXXXXXX - {$23000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Subject : I am in dilemma My finance condition is completely reigned by the aggressive debt collector- Rushmore LMS and XXXX XXXX XXXX  XXXX XXXX The collectors employed the attorney to continue to hinder every move to the financial predicament I am facing. 
Recently, I had a buyer for the property located at XXXX XXXX XXXX XXXX that I obtained equity line of credit of about {$25000.00} from XXXX  XXXX XXXX. The HELOC loan was fraudulently sold to XXXX XXXX in XXXX at the time, my chapter XXXX bankruptcy was active. In XXXX, XXXX XXXX was represented by a highly connected law firm XXXX XXXX XXXX as shown in exhibit A. The law firm easily obtained a judgment on pleading of {$42000.00} by default and ignored my bankruptcy protection and filed a writ to sell the property on sheriffs sale. Around XX/XX/XXXX, Rushmore LMS and XXXX XXXX  XXXX began to call the HELOC loan, a mortgage and started creating escrow accounts, fees insurance charges, legal fees, interest and others charges added to the amount owed. Currently, Rushmore LMS demands for a payoff of about {$67000.00} and a reinstatement quotes of about {$34000.00} in XX/XX/XXXX and XX/XX/XXXX the amount was {$43000.00} and {$45000.00} both due on XX/XX/XXXX that is about {$10000.00} jump in two months. As shown on exhibit B, B2 and B3 respectively. Before XX/XX/XXXX I paid the reinstatement monthly amount due of {$11000.00} to Rushmore LMS but they rejected the payment for unknown reason. I requested for update statements since XX/XX/XXXX and no update quotes has been provided up to date because they simply want to delay settlement so that they can successfully sell my property on sheriffs sale that XXXX XXXX XXXX, the Attorney cleverly masterminded. The plan of the law firm is to enforce the judgment obtained on behalf of XXXX XXXX as in exhibit C which they currently fixed for sheriffs sale on XX/XX/XXXX. Rushmore LMS continue to aggressively multiply the balances by creating accounts and preventing my settlement offers from getting to the lender- XXXX  XXXX  XXXX  according to Rushmore staffs, they said they are privileged to accept or reject any offer presented. The letter from Rushmore referencing the lender information was without phone and fax number to communicate with the lender as shown on exhibit D. I am completely oppressed and psychologically and emotionally drained as my financial world are being destroyed by Rushmore LMS. I cant understand how a balance of HELOC loan of about {$25000.00} in XXXX now reached a balance of {$67000.00} in XXXX. No explanation was so far given and the subject property insurance was paid by me in XXXX through XXXX. 
At this time, I seriously requested for your assistance to resolve this problem before Rushmore and XXXX XXXX XXXX  XXXX and the law firm completely destroy my finances and steal my property I currently spent about {$35000.00} and currently lived there as shown on exhibit E. 
I hope will help! 
XXXX XXXX XXXX XXXX
Product: Debt collection

i reported this account as fraud to continental finance back on XXXX 2015 as fraud and they sold this fraud account to united debt holding and this account shows on my credit reporting file as charged off and it should not, i have disputed this numerous times as fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation of t the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

There has not been a response to my disputes on XX/XX/XXXX nor XX/XX/2019
Product: Credit reporting or other personal consumer reports

These 8 inquiries on my TransUnion report are fraudulent/and these 3 collections I have been fighting since the BEGINNING OF THIS YEAR!!!!! and I would like them immediately removed. There is now way in heck I applied for this many accounts!

Please remove these accounts off my transunion report asap! 

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 XXXXXX/XX/XXXX As well as these 3 illegal accounts that has been opened in my name for over 3 years. I keep stating these accounts below are illegal and was obtained in my name. Please remove these accounts! 

XXXXXXXX XXXX XXXX XXXX  {$150.00} DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX {$57.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX {$13.00} DATE OPENED XXXX, XXXX, XXXX PLEASE REMOVE THESE ABOVE ILLEGAL CHARGE OFF ACCOUNTS THAT WERE OPENED AT THE SAME TIME AND IM LOCKING ALL MY REPORTS TO STOP THIS FROM HAPPENING AGAIN. IM TRYING TO FIX MY CREDIT SCORE PLEASE REMOVE THESE ACCOUNTS OFF MY REPORT!!!!