23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

An agency known as Midwest Recovery Systems contacted me on XXXX/XXXX/16 via the phone stating I was about to be served with legal papers. Since I have heard this scam before, I yelled and them and hung up. I found an entry on my XXXX credit report today that dropped my credit score by XXXX points which alleges I owe {$680.00} to a company known as " XXXX XXXX '' which I have never heard of and have never done business with. I never received any written communication from this company nor anything stating I have a right to request verification and dispute this so-called " debt '' as per the Fair Debt and Collection Act. They have harassed me and placed a mark against my credit for a matter I know nothing of which appears to be downright fraudulent. I have requested an investigation with XXXX and also to never be contacted again by these people.
Product: Vehicle loan or lease

This is second complaint relating to XXXX XXXX XXXX XXXX and Third Party Attmepting to repossess my car after arrangements were made. The Third Party is continually breaking peace laws. On XX/XX/XXXX, Nissan called me to make a XXXX XXXX payment. I was seeking legal advice. The XXXX was in the garage. I called Texas OCCC, FTC, and CPRB Around XXXX a XXXX Truck parks in front of my yard. From XXXX to XXXX a XXXX truck with dark tint went back and forth. I waived the XXXX truck off stating that the car is in garage. Around XXXX I was fearful that the person in truck will come in my garage. My children age XXXX and XXXX were scared. Around XXXX my daughter puts a stick and chair to the door due to her fear. Around XXXX I called the police due to my children were in fear and couldnt go to sleep. XXXX Police pulled over the XXXX truck after several calls were called in. XXXX pm the XXXX truck is pacing in front of the home with screeching tires. I became fearful. XXXX there was taping at my window. My children were crying. I was afraid to call the Police out. Around XXXX the XXXX truck stop speeding by. Nissan and The Third-Party Recovery Service has violated the following TDCA ACT : On XX/XX/XXXX The XXXX truck rolls up and down the street. Speeding again. Neighbors come out. Around XXXX XXXX The XXXX Truck with a fleet of 3 calls. Someone yells out get a job in my yard. I went outside and they speed off. My XXXX year old and neighbors across the street heard This breaking Consumer Rights Acts. My child and I are afraid. I sent a notice to Nissan to sue due to breaking my rights.
Product: Credit card or prepaid card

Citi Bank Reduced my credit limit from XXXX to XXXX. This affected my credit score by about 25 points by increasing my utilization ratio to 94 %. I called Citi bank to restore the credit limit or my credit score on XX/XX/2019. The customer service supervisor said this is a revolving account and Citi has the right to increase or decrease the credit limit based or consumer behavior and risk factors. I questioned her to tell me what are the risk factors and reasons and she provided no explanation but constantly referred to only one incident where the Autopay balance was less than the minimum due. She stated in partial explanation that : The reason was that I was at risk due to high risk activity from other reporting agencies. I have maintained 100 % payment history by setting up Autopay. However in XX/XX/2019. My autopay could not cover the total amount due. Citi bank customer service called me about the issue. I paid instantly over the phone and immediately adjusted my autopay balance to {$150.00} per month even though my monthly payment was arround {$60.00}. I did this increase to avoid having autopay being less than the minimum due. 
Citi even went ahead and refunded all late fees without my request. It is therefore absurd for them to reduce my balance to un reasonable limit and hurt my FICO score. 

I am therefore humbly appealing to the bureau to look into this practice from Citi bank. As other complaints from online and card users risk credit scores fluctuations and hurting consumers at the time when they need thier scores for credit worthiness. In sum the reasons city gave was not dependent on my credit history with them. I am therefore requesting to know where city got the information to reduce my credit limit. And who are the 3rd parties? Provide sufficient explanation with facts why my balance was reduced. 

The balance reductions is NOT my prime concern. Citi has caused me financial suffering by increasing my utilization ratio and decreasing my credit score. I would like them to restore this ASAP.
Product: Debt collection

Not billed corectly to the respected insurers at the time. I contacted the collection agency requested and received the the individual providers involved. the Information I received are for bills that are years old. the wording on the bills is the same and very, very unclear on each of 5 different bills that are lumped into the one bill. Again they all repeated the exact same wording. and are not clear as to payment received by the insurers I've contacted both insurance agency 's involved and both have no record of these claims being submitted properly, again some of these go back 5+ years and are no longer valid for any coverage. 
I've notified the collector several times I'm disputing these bills and that I do not owe them any thing
Product: Debt collection

KINUM INC is in violation of the FDCPA and FCRA and XXXX is in violation of the FCRA, SEE ATTACHMENTS.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, I reviewed my credit report and found the following item to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within XXXX  days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months
Product: Debt collection

About a month ago I was contacted by XXXX XXXX XXXX   on a debt that is 20 years old. The debt in question is with XXXX XXXX XXXX  with whom I have two lines of credit currently open as of 4 years ago and in good standing. The call was received about XXXX in the XXXX and they stated unless I payed 10 % by XXXX because they said they would be closing at that time further action would be taken. I am a XXXX XXXX and was at a loss as I do not recall this account ( at the time of the call or to this moment ) this really came out of the blue. I work hard to maintain my bills and my credit rating. They pressed real hard to the point of mentioning my lines of credit and my ability to pay. I did ( stupidly ) pay the 10 % for which the balance was due in 10 days. I feel I went into this under duress. I contacted counsel and was told that the statue of limitations had expired on this. On XX/XX/XXXX I came home to a XXXX stating that unless the balance of {$3900.00} was paid by XX/XX/XXXX they would file a report with the credit bureau. Please help and advise me of my options. XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX 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 a personal loan account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The aforementioned account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer collection account are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

i forgot to add this XXXX XXXX XXXX  XX/XX/2022 i did not aunthorize that the accounts as well on the letter are frauduelent please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXXXXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX
Product: Student loan

NelNet makes paying back loans unnecessarily and excessively difficult. Their practices are both unfair and deceptive to the consumer. 

For Example : Although I pay SIGNIFICANTLY more per month than I owe and well more than the interest charged in a given month, I am still, somehow, accruing interest. Further, you can not set up that amount on autopay if you want to pay over the amount due monthly. Instead, you have to log in to make that payment manually. When making that payment, if you want to specify where that payment should go ( which loan, principal or interest, etc. ), you have to call Nelnet to do so. Unfortunately, NelNet 's customer service is so horrendously bad that I have repeatedly sat on hold with them for up to XXXX hours at a time, only to be hung up on by what I assume is the machine before ever talking to a human. They SAY you can specify where your payments go, but in practice, it's impossible to get them on the phone. When you DO get them on the phone, it's clear they are both understaffed and untrained. NelNet representatives have given me incorrect and contradictory information. When I informed them of the correct information, as per their own website, they had no idea what I was talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX XXXX XXXX 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been monitoring my credit closely this past year because I am in the home buying process and I received a notification from my XXXX XXXX saying a had a delinquency on an account I paid off in full, I opened the MACY 'S app to see and I was hit with a negative mark for a interest carry over fee of {$1.00} - I called them immediately last XXXX and explained to them and was assured that it was removed and taken care of and would not hit my credit report. I applied for a house today and the lender came back saying I had 90 day late from MACY 'S so I contacted them immediately again today and explained what happened and how I made the call and was told it was rectified. 
The associate on the phone was rude and not helpful and I asked to speak to a manager- He was much more helpful and polite but still stated there was not any evidence I had ever called. I explained to them I most certainly did call because I was in the home buying process and it was priority to me. The dates are XXXX and XXXX of XXXX. My credit reports now shows a 60 day delinquency over a {$1.00} charge that I did not even know existed and was told by a agent that it had been removed and it would take 30-45 days to update on my credit report. Now this is hurting my score and the the buying process. I believe when I made my initial call the employee did not take proper notes and did not to what I was told was done and now I am in a bad position. I would like this to be investigated further and am still requesting MACY 'S to remove this my credit report. I have paid them in full and do not owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

i never got a loan from discover student loans i never went to school in the usa so no need to get a loan discover student loan is reporting incorrect and wrong information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that there are several late payments that are reporting on my credit report. I have been trying to get this issue seen about for months with XXXX, Equifax, and XXXX regarding the reporting of late payments. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ] ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumercredit report clearly states : ( 2 ) 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. 

Late Payments that are reporting that shouldn't be : XXXX XXXX - XXXX Account # XXXX ) XXXX XXXX XXXXXXXX - XXXX Account XXXX XXXX ) XXXXXXXX XXXX XXXX ( Account # XXXX ) XXXXXXXX XXXX XXXX - ( Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - ( Account XXXX XXXX ) XXXX XXXX XXXX - ( Account # XXXX ) XXXX XXXX - ( Account # XXXX ) XXXX - XXXX Account # XXXX ) XXXX - ( Account # XXXX )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) and ( FDCPA ), specifically section 1681. I have identified the following potential violations : 1. Violation of FCRA Section 1681 ( a ) ( 1 ) ( A ) : I have not received proper notification of the inclusion of this charge-off account on my credit report. According to this provision, consumers must be notified of any adverse information in their credit reports.

2. Violation of FCRA Section 1681 ( a ) ( 2 ) ( A ) : I have not received a copy of my free annual credit report once every 12 months, as required by the FCRA. 
3. Violation of FCRA 15 U.S.C 1681 section 602 A. States I have the right to privacy.

4. Violation of FCRA 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

5. Violation of FDCPA Section 809 ( b ) : I have not received written validation of the debt within five business days of your initial contact, as required by the FDCPA.

6. Violation of FDCPA Section 809 ( b ) : A detailed statement of the debt, including the name of the original creditor and the amount owed, has not been provided, as required by the FDCPA.

Please investigate these potential violations and provide a written response within 30 days, in accordance with the FCRA. 

In accordance with de Fair Credit Reporting act convergence accounts, has violated my rights. : 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

These companies in question ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Southwest Recovery Services ) do not show purchase agreements, owner of debt, and have not made a proper investigation. They have continued to try to contact after a cease and desist order was issued. The reporting agencies ( XXXX, XXXX XXXX XXXX ) have not allowed me to dispute with proper results even after stating the FCRA laws they have blatantly violated. These negative items do not belong on my report and the dispute process does not work with these reporting agencies. Remove all negative items from my credit report immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. My specific issue remains unresolved, and I have not received any direct redress pertaining to my individual complaint. Given that my concern has not been adequately addressed, I request that my complaint remain open and active until a satisfactory resolution is achieved. Closing the complaint at this stage would be premature and neglectful of the unresolved nature of my specific issue. I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which mandates that companies conduct reasonable investigations into consumer disputes. Failure to do so can result in liability under the FCRA. While my complaint may not directly pertain to credit reporting, the principle underscores the importance of thoroughly investigating and resolving consumer complaints. I urge you to take the necessary steps to address my specific concern promptly. Please provide a detailed response outlining the actions being taken to resolve this matter.
Product: Student loan

XXXX University located at XXXX, NY. 

Sallie Mae Private loan, unfortunately I can not afford the monthly payment for the private loans because I am still in the process of making direct payments for my XXXX semester that will begin at the end of XXXX No sallie mae representative willing to process In-School Deferment.
Product: Mortgage

On XX/XX/XXXX I received my Annual Escrow Account Disclosure Statement, which adjusted my mortgage payment effective XX/XX/XXXX. The statement included activity from XX/XX/XXXX through XX/XX/XXXX in order to project the balance at the end of period. The statement included an actual tax payment of {$2900.00} in XX/XX/XXXX, as well as two " projected '' tax payments of {$1500.00} each in XXXX of XXXX. The " projected '' payments are for the same actual payment that was made. As a result, this statement shows my escrow account as underfunded by {$3300.00}. Due to this mistake, my mortgage payment was increased by {$240.00} starting XX/XX/XXXX. 

I contacted First Home Mortgage on XX/XX/XXXX about this error and was told that it would be reviewed and I would be contacted. On XX/XX/XXXX, I contacted them again and was told that the matter had not been looked at. After pressing the agent I was connected with a Supervisor named XXXX who stated that she would look into in and either herself or her manager ( XXXX ) would contact me. As of XX/XX/XXXX, no one has contacted me and I have not received the correct amount for my mortgage payment this month.
Product: Debt collection

I just received a call from a woman who said I owe speedy cash and she have her attorneys trying to locate me I told her no I dont owe them they have been paid off and she hung up the number that she called from was XXXX XXXX XXXX
Product: Mortgage

I had submitted a complaint last XXXX to Suntrust, asking them to finally correct damaging and false information sent to the credit bureau telling them the following ( word per word on my CB ( credit bureau ) report ) : XXXX Suntrust Mtg DELINQ XXXX Late Dates XXXX, XXXX, XXXX FORECLOSURE INITIATED ; CONVENTIONAL REAL ESTATE MORTGAGE ; XXXX ACCOUNT/ SERIOUS DELINQUENCY. To then get a reply today from Suntrust saying they reviewed my concerns on their negative information they sent to CB, stating they are required to report accurately, then goes on to state I became delinquent in XXXX XXXX, funny how they never mentioned that in all my 13 years of my loan I was never ever late till then. Then mentioned payment was posted in XXXX XXXX, XXXX and claims that was the last payment ever made. I have all copies of my payment history to Suntrut along with a full log report of my entire ordeal for my " loan modification process ''. 
Then Suntrust claim it is NOT their practice to encourage delinquency on their mortgage to qualify you for a loan modification - that in its self is such a lie, the first thing they told me was, since I was up to date on all my payments I would not qualify for loan modification program, to qualify I would need to be at least 3 or more months in rears for them to even review my application. 
I paid off my entire mortgage loan after my regular home sale, along with Suntrust hefty attorney fees and numerous other fees they conjured up even though they claim I had a " trial plan ''. 
I decided to sell, then to continue being webbed in a vicious circle from Suntrust modification " program '' to keep increasing my debt. 
Attach is the letter from Suntrust to me after I had contacted them several times back in XXXX to have them correct my CB report. 
In their letter they never apologized, but told me it was determined that an " inadvertent clerical error was made '' and requested that XXXX, XXXX & XXXX update my credit report accordingly. Unreal how Suntrust, after submitting wrongful and misleading information to someones credit report, say it was an error! yet even after sending me that letter, Suntrust never sent any information to CB to correct their so called " error ''. 
All I have asked Suntrust is to remove their the damaging and false information. Now you be the judge here, as seen in the beginning of my complaint, they stated I was in " foreclosure initiated '' which was never true, you clearly see suntrust reply saying they " never practice in telling customers to become delinquent on their loans '' for the purpose of initiating a " loan modification '', the other false information they sent to CB was telling I was 120+++ days late. 
First of all when you start a loan modification I was told the process would be on hold till the modification process became active and " no negative report would be sent to CB '' Lies after lies, I am fed up. 
I may be just a number to Suntrust with no concerns for all the negative remarks they sent to CB over and over again. It 's time Suntrust corrects this once and for all.
Product: Credit card or prepaid card

I've had the AVANT credit card for years. The balance never goes down. My balance has been {$1000.00} and I paid {$1300.00} last year and my balance isn't changing. I've called them and they never understand because they do not speak or understand English. I'm beyond frustrated with this company. Can you please please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing up on my credit report as not paid. I have attach a letting from the company saying that this account was paid in full.