23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Constantly calling regarding an account I have n't been contacted about since I closed the account. Saying I still owe money and when I asked for a copy of the bill, refused to send it multiple times and then it finally came in the mail. This is a bill from over 4 years ago that I know I had paid and closed after looking over the information. The calls stopped for about a month until today when the supervisor was getting very hostile and basically stating in simpler terms that I 'm being lazy and not wanting to pay the bill all because I 'm not giving them my card information over the phone considering I 've had my information stolen before from a previous card of mine. I 'm sure I 'm not the only person who has had this similar issue with this company. They 're very unprofessional and rude. Coming from a person with a business degree, that 's the perfect example of bad business and is liable for that company to not receive anything due to their attitudes.
Product: Mortgage

I am a former employee of the XXXX XXXX XXXX XXXX, after an on the job injury that was no fault of my own in XXXX I was forced to retire in XXXX from a XXXX XXXX injury! I do get retirement XXXX and S.S.D.I. I am really struggling financially and I was trying to get a reverse mortgage but I was denied because I am XXXX years old. I feel like their should should be an exception to the rule when it comes to people was XXXX! If I cant get help I feel like my only option is bankruptcy, I have tried to refinance & take a loan to pay off other debt but constantly get denied. And I have good credit, and I just dont know what to do now?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ( account # XXXX ) Have violated my rights. 

15 U.S.C. 1681 section 602H states I have the right to privacy.

15 U.S.C. 1681 section 604H section 2. States a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has listed inaccurate information on my credit report : Record Type : Bankruptcy chapter XXXX Filing Date : XX/XX/2011 Amount : {$0.00} Reference Number : XXXX Court : XXXX BKPT CT GA XXXX Plaintiff : - ( Blank ) ON the grounds of the Fair Credit Reporting Act - This information Experian is publishing has to be reported correctly. Any error in the way the credit is bureau grounds for having this information removed from my credit report. Inaccurate reporting is Plaintiff -  reports as blank ( no one ) and Amount of Bankruptcy - reports as {$0.00}
Product: Student loan

My prior complaint XXXX, has yet to be resolved. ( see supporting documents ) In addition, new complaints : In XXXXXXXX XXXX XXXX, Mohela changed my 0 % administrative forbearance to an interest-accruing processing forbearance ( see letter below ), despite no ongoing application being processed. 

This processing forbearance has continued despite being ongoing for longer than 60 days, and a letter from Mohela stating that I should be placed in a 0 % interest forbearance ( see attached letter ). 

The interest that accrued on my account between XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX was greatly in excess of my typical 6 % interest. 

I have called several times ( Mohela case numbers XXXX & XXXX ), without resolution, often being told that an " escalation '' or " accounting review '' was submitted multiple times. Subsequent customer support representatives have been unable to see this escalations or accounting reviews, indicating that they may not be taking place.

Call wait times for Mohela exceed three hours, and often when transferred to customer support representative, the call is dropped. In my prior CFPB complaint, a phone call for an advanced representative was provided which does not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a hardship after I XXXX  from college. I couldnt pass the XXXX  to secure a job. My wife and I moved out of XXXX  to XXXX and things got worse with trying to pass the XXXX XXXX and find work with no license. I was working with a guidance counselor for assistance with my payment. I didnt realize the different lenders I had with the different loans. I was told I was approved for a forbearance and my understanding that would date back to adjust the late payments so I would no longer be behind but it did not. 2018 the XXXX  XXXX is showing several late payments for my account at Experian, XXXX, XXXX  before selling the loan to a different lender.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX  an account XXXX XXXX XXXX was opened fraudulently in my name without my consent.I did not give authorization to furnish my information for this account. 

On XX/XX/XXXX a hard inquiry for XXXXXXXX XXXX XXXX was made in my name on my credit report fraudulently without my consent. I did not give authorization to furnish my information for this inquiry. 

On XX/XX/XXXX a hard inquiry for XXXX was made in my name on my credit report fraudulently without my consent. I did not give authorization to furnish my information for this inquiry. 

On XX/XX/XXXX XXXX XXXX  a hard inquiry for XXXX was made in my name on my credit report fraudulently without my consent. I did not give authorization to furnish my information for this inquiry. 

On XX/XX/XXXX a hard inquiry for XXXX XXXX XXXXXXXX was made in my name on my credit report fraudulently without my consent. I did not give authorization to furnish my information for this inquiry.
Product: Bank account or service

The whole Chase system was down on XX/XX/2016. I could not get my money at any Chase ATM. I was forced to use another bank 's ATM to get my money. Now chase said they will not refund the charges from the other banks I was forced to use because those XXXX could n't keep their systems up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax concerning Items on my credit report that our incorrect. I have not been able to get a response from them concerning the matter. I am a victim of identity theft and according to FCRA 605B 15 USC 1681 : you are required to block & delete all info from the report attached here in 4 days. My information has been compromised Or Im a victim of identity theft.
Product: Checking or savings account

Date of transaction : XX/XX/year> for the amount of {$1000.00} The amount was from the XXXX XXXX XXXX in XXXX, XXXX  This charge is invalid, I have spoken to the manager, the general manager of the hotel, and also the corporate office of XXXX and they have all said that this charge can not be found in the system. Fifth third bank will not place the funds back into my account even with the hotel stating that the charge IS NOT VALID!
Product: Money transfer, virtual currency, or money service

Tried to book an XXXX through XXXX. Transaction didnt go through. And scammer called and said that I can XXXX the money and she would send me a confirmation email. Later found out it was a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan on my credit that I didn't take and is affecting my credit report. the are a lot of loans on my credit that is doesn't below me. FRAUD!
Product: Debt collection

On XX/XX/2019 I filed a complaint with CFPB regarding the violation of the FDCPA conducted by TD Auto Finance ( XXXX Complaint # XXXX ). Starting approximately 2 weeks ago TD Auto Finance has AGAIN started calling me by masking their phone # and even worse calling me at work on or about XX/XX/2019 & XX/XX/2019. Both days they called me at work I was off and they spoke to my Boss inquiring where I was and that it was imperative that I call them. 

My initial complaint with CFPB was addressed by TD Auto Finance representative XXXX XXXX ( XXXX ) XXXX. She reached out to me by calling me and assured me that TD Auto Finance will stop trying to contact me. I advised her that I'm formally advising TD Auto Finance to " CEASE & DESIST from ever contacting me by personal phone and especially at my work phone. Note : Since I obtained my auto loan with TD Auto Finance I HAVE NEVER been 30 + days late and my loan has always been in good standing & never placed in default.
Product: Credit card

Ref # : XXXX | XXXX Peace & Love To All Who Read This! I applied for XXXX credit cards and got denied for all of them. There were XXXX personal credit cards and XXXX business credit cards. However, I only received correspondence for the XXXX personal cards. I called in to the number provided to address the denial and violation of rights, however the agent was unhelpful and didn't care about the laws. I do not accept your offer of declination. I have provided you with XXXX applications in which you are able to sell and make a profit. Therefore, I am owed value and consideration for those applications. You can return all applications back to me with the money that you have received for those applications or provide the open ended credit cards that I applied for. Being that those applications were transferred electronicially via the electronic funds act, I doubt you'd be able to or want to return those applications to me. That leaves the option of giving me the credit cards that I applied for with unlimited credit. 

It is unlawful to deny anyone credit according to 15 USC 1691 A, " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' I have a right to my credit and you do not have permission to use it without provide value or consideration. Withholding my credit and access to my securities is securities fraud and discrimination. You're violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Section 16 part 1 of the Federal Reserve Act states that only the Board of Governors can make a decision on whether Im denied. According to your prospectus and 10k documents, I know that you've turned the application into a security in which you're now selling and making money until it matures. Once approved for the card, I know that youll also be selling that account as well as one of your receivables. A FICO is also not an accurate measurement of ones credit worthiness and doesn't determine whether someone has access to their personal credit or not. 

Deceptive practices and unjust enrichment will not be tolerated. Discrimination will definitely not be tolerated.
Product: Credit reporting or other personal consumer reports

XXXX and EQUIFAX Credit Bureau Refuse to updated my payment history. They are reporting XXXX yrs or less when I have over almost XXXX yrs of payment history ( attached ) knowing that this hurts me. I am demanding at this point that all credit bureaus report accurate information especially when they are aware that this hurts me! After all the mistakes and inaccuracies on my report my XXXX or this XXXX XXXX ( set up to hurt citizens ) should go up tremendously! At this point Im seeking compensation for the inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a Home Equity Loan from First Citizens Bank, XXXX, SC XXXX on XX/XX/XXXX in the amount of {$43000.00}. Payments were made on time from XX/XX/XXXX thru XX/XX/XXXX. No payments were made from XX/XX/XXXX thru XX/XX/XXXX. First Citizens charged off the loan on XX/XX/XXXX. 

On XX/XX/XXXX, I received a notice from Mr. XXXX XXXX XXXX, XXXX, Attorney for First Citizens. He stated, that pursuant to the South Carolina Supreme Court Administrative Order XXXX, I had the legal right to be considered for Foreclosure Intervention, which included a loan modification. See attached file ( # 1 Right to Intervention XXXX ). 

On XX/XX/XXXX, I wrote Mr. XXXX, stating that I would like to discuss a loan modification See attached file ( # 2 My Request for Intervention XXXX ). Subsequently, I received a phone call from First Citizens. After some discussion, the First Citizens representative agreed to the loan modification, providing I repay all past due amounts, agree to a new payment schedule, and sign a Confession of Judgement. See attached file ( # 3 Judgement by Confession XXXX ). I was also told that the executed Judgement would serve as the modification document. I further agreed to have First Citizen draft payments against my bank account on a monthly basis. All payments have been made on time and as agreed from XX/XX/XXXX thru XX/XX/XXXX. See attached file ( # 4 First Citizens Statement XXXX ). 

Under the Modification Agreement, once the past due amounts were paid, all subsequent payments were to be applied to Principal only. In the Spring of XXXX, I discovered that First Citizens had charged {$2100.00} of my principal payments to interest. First Citizens agreed this was the case See attached file ( # 5 First Citizens letter XXXX ). First Citizen has  never updated their records to correct their error. 

XX/XX/XXXX
Product: Student loan

In late XX/XX/XXXX, Co-Signer received call saying account is past due by XXXX days. Multiple payment notices had been mailed to the account address which all stated the first due date was XX/XX/XXXX. A few days later Co-Signer received another call stating that the account was XXXX days past due. Multiple times logging into the account the online service portal shows that account was never past due nor delinquent on payments at anytime. 

Lender states that an automatic auditing system audited the account and flagged my summer XXXX course as being out of full time enrollment effectively terminating my 6 month loan deferment as of XX/XX/XXXX. Representative on the phone call confirmed that the bot errored in flagging the account and could see that in the fall XXXX semester I was in fact still enrolled in school fulltime and the account should not have entered into the 6 month period. 

On XX/XX/XXXX both the Co-Signer and my credit scores began showing that the accounts are behind payments by XXXX days. Disputes were filed with the credit bureau as well as a phone call to the lender. The lender confirmed, on a recorded line, that my account was not past due, was not delinquent by that of XXXX days or by any days and the first payment was due on XX/XX/XXXX. As well stated that the delinquency notices had been retracted from the credit bureaus/ On XXXX, XXXX, XXXX disputes with XXXX and XXXX  were " resolved ''. One account on TransUnion was updated as being nondelinquent while the others still show as XXXX XXXX XXXX  days past due. XXXX XXXX  dispute publication shows that the lender confirmed that account was delinquent by XXXX XXXX XXXX days with date of first delinquency being XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I don't think the credit bureaus are taking it seriously and just giving me the run around without following the laws.
Product: Credit card

I received a notification from credit karma about a hard inquiry from Kohls/capone. I immediately called and reported the problem and requested the removal of the inquiry. This is the second time with this company allowing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed that several accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. below i have listed several accounts that are recognized as fraud : 1 ) XXXX {$660.00} date : XX/XX/2022 2 ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  USA ) {$1300.00} XXXX 3 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) {$740.00} XXXX 4 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) {$400.00} XXXX 5 ) XXXX {$6500.00} XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and realized that someone was using my personal information to apply for credit/loans in my name. I have filed my FTC report for identity theft and have notified all the credit reporting agencies of this matter, including sending verification documents to EXPERIAN and they have yet to block the creditors that are in my FTC report from showing up on my report while this is in investigation PURSUANT15 U.S. Code 1681c2 ; 15 U.S. Code 1681e ; 15 U.S.C 1681 section 602 A. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

MIDLAND FUND is claiming that I owe them {$590.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a consumer ( home equity loan ) and my lender is unable to obtain my credit report or scores. I have tried to remove any " freeze '' on my credit reports but the reporting agencies reflect I do not have a " freeze '' in place.

PROBLEM : I can not remove a freeze nor can the lender access my credit report.

I have made the loan application and have three days to resolve the access issues.
Product: Credit reporting or other personal consumer reports

I disputed an account that does not belong to me. Experian responded telling me that they have verified the debt, despite the debt not belonging to me. I asked experian to provide any and all information they used to verify the debt, and they did not provide any documentation whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX reviewed a copy of my credit report and noticed this account and the following inquires do not belong to me. I am a victim of identity theft : Inquires : XXXX XXXX
Product: Debt collection

In XX/XX/XXXX consumer enrolled with XXXX XXXX XXXX sponsored by XXXX for payday loan debt assistance through a negotiation process for consumer for 15 months ( shorter or longer ). Consumer completed a DocuSign document, enrolled in the program and began making the necessary payments of {$180.00} by debit every two weeks towards these and other debts. These debts included XXXX XXXX, medical debts, etc. However, one year after making payments, consumer began to feel uncomfortable and noticed that monies that were to be used towards paying down the debts were being applied towards a " Financial Success Kit and Identity protection plan ''. Consumer requested this to stop and then double-checked account payments. XXXX assured consumer that most of these debts had been settled -- including XXXX XXXX. Consumer verified this as well. Consumer did not receive any further calls or mail notifications from these companies and assumed that the debts had been paid. 
XX/XX/XXXX -- Consumer viewed credit report and discovered that National Credit Adjusters has bought the " XXXX XXXX debt '' and placed it on my credit report in the amount of {$1800.00} and updated it to be ongoing beginning XX/XX/XXXX. This debt is from XXXX. The amount of the debt is inaccurate and has been placed on my credit TWICE. National Credit Adjusters is not the originator of the contractual debt. Debt has been paid according to XXXX XXXX XXXX.
Product: Student loan

I am deeply concerned about the lack of access to my personal account statements through my loan servicer, Navient. 

Unfortunately, Navient only allows access to monthly statements within the last 12 months in your inbox through their website. Thus, I sent an email requesting that all of my monthly statements from XXXX  until current be sent to me so that I can keep accurate records, especially in the setting of Navient 's lack of renewal with the US Department of Education.

Their first response to my request did not answer my question in the slightest, so I was forced to send my request again, only to be told I have access to only 12 statements. 

I am alarmed that I am being denied access to my own personal information about past payments I have made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update these incorrect accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX : {$35000.00}
Product: Debt collection

According to original creditors, XXXX XX/XX/XXXX ( XX/XX/XXXX ) XXXX, I held an account ending in XXXX. The amount claimed was {$3000.00}, with XXXX of interest fees from XX/XX/XXXX to XX/XX/XXXX. On or before XXXX, Kirschenbaum alleges that a judgment was rendered in favor of the plaintiff and against XXXX XXXX. My legal name has never been " XXXX, '' and in XXXX, I did not live at XXXX XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX. I moved out on XX/XX/XXXX. The judgment was unfair and based on someone using, misusing, and stealing my identity. I have raised the argument with several creditors, and the mental anguish of this ordeal has caused me to return to seek XX/XX/XXXX It has also caused new medical XX/XX/XXXX. A recent XXXX has proven abnormalities in the XXXX. I did not have any affiliations with this creditor or bank. I never used this card, and I was never served with papers. My name is not XXXX, and this was never my birth certificate, social security card, or State ID. There has never been a name change either. My original name has always been the same, and my last name changed due to marriage on XX/XX/XXXX. This has been occurring for years and has impacted me in many ways in my life. I have received several disturbing calls and threats from many debt collecting firms. XXXX XXXX XXXX was a firm that relished in the judgment and stated, " We can harass you for 20 years, and there is nothing you can do about it. '' I refuse to allow this abuse to take place, and the damages are unimaginable. I live battling XXXX and XX/XX/XXXX I am now back to mental health. Thank you, XXXXXX/XX/XXXX and Kirchenbaum & Phillips, PC. If your goal is to harass a XXXX minority under the pretense that she is the holder of the account, then you have accomplished your goal. I will seek legal help if this is not resolved. I am also going to take this to court because it is an unjust judgment and unfair action. I have been called " XX/XX/XXXX, '' " XXXX, '' and other humiliating phrases from debt collectors. To get my information, the debt collectors state, " Enclosed herewith you will find copies of documentation, representing verification of the above-referenced debt ... attached you will find an Affidavit for Fraud for your completion. '' After this ordeal, I am refusing to give them any vital and personal information. I am uncertain of their motives and reason for requesting this information. The debt collector refused to validate the debt and did not send documents with proof of my signature and so forth. They have violated the FDCPA, I have been to mental health from XXXX to XXXX several times.
Product: Credit reporting or other personal consumer reports

I XXXXXXXX XXXX have notice some unauthorized increase appearing on my credit reports. 


I did not authorize these inquiries XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXin Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX