23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have several issues. When I first took out the loans in college I was not informed at all, now due to the high interest rate ( My interest rates are 8 %, 11.5 %, 11.5 %, 11.5 %, and 11.5 % ) I owe over {$100000.00}. Every time I have asked about ways to lower the payment because I can not pay over {$1000.00} a month I was always told there is nothing they could do. Navient ( Sallie Mae ) are making threatening and harassing calls to me, my co-signer and other family members which they should not even have numbers for. They have somehow gotten my Vet XXXX aunt 's number, my mothers number, my husbands number. My co-signer is my XXXX something year old grandmother and they threaten to put her in jail, take her house drain her retirement. I have five separate loans to Navient and just now have gotten 3 of them in a hardship repayment ( still paying almost {$200.00} a month ) yet to add the other two this is still over {$500.00} a month and I can not afford that. They are still sending threatening letters and making harassing calls to my grandmother tell her they are going to sue her if she does not make the payments.
Product: Checking or savings account

we needed CFPB Order TD Bank to refund our in the amount ofXXXXand XXXXfor overdraft and returned fee of XXXX from XX/XX/2021 through XXXX XXXXin XXXX month is what TD bank charge and returned all the item and collect these fund from our bank account. i just look at the CFPB report where that was order to paid these fund back to the XXXX XXXX XXXX most convenient bank TD bank was ordered to pay XXXX million in penalty and restitution to it custom this ordered by the CFPB. as of XX/XX/XXXX. XXXX and we just file a compliant against this two month. ago.
Product: Debt collection

The collections account holder is PBCAPIGRP and the account number is XXXX. 

XXXX XXXX XXXX is filing for bankruptcy and yet they are still requesting money from me. They went with P & B collections and say that as of XX/XX/2022, I owed : {$1800.00}. 

I requested early on that I am not interested in their service and they did not contact me after that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX ACCOUNT # : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian, TransUnion, and XXXX for knowingly reporting false and misleading information on my credit report and failing to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). 
The XXXX auto loan ( Account # XXXX ) contains the following inaccuracies : 1. The account is charged off yet continues to reflect a past-due balance of {$8800.00} as of XX/XX/XXXX, despite being closed in XX/XX/XXXX. A charged-off account should not accrue an ongoing past-due amount. 

2. The last payment date is reported as XX/XX/XXXX, which conflicts with the charge-off date and misrepresents my payment history. 

3. The balance was updated as of XX/XX/XXXX, despite the account being closed, further distorting my credit profile. 

4. This erroneous balance is artificially inflating my credit utilization, negatively impacting my credit score. Since the account is closed and charged off, this balance should not be included in my utilization ratio. 

Despite multiple disputes, Experian, and TransUnion have verified these inaccuracies as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting act XX/XX/XXXX Account number XXXX XXXX XXXX and Account number XXXX XXXX has violated my rights 15 U.S.C section 602A. States I have right to privacy. 15.U.S.C.A section 2 : it also states a consumer reporting agency can not furnish a without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago we placed credit report freezes with the XXXX major credit reporting companies. 
I needed to unlock the reports XX/XX/2022 to help my son XXXX XXXX purchase a home, and his potential mortgage company wanted a co-signer, which I was willing to be. I had no trouble unlocking my XXXX and XXXX reports, but for some reason, the PIN that was given to me by Experian didn't work. Experian 's consumer-facing system does not allow you to be transferred to any live person. All of their published numbers go back to the same basic telephone loop, so you can't speak to anyone-no supervisors, no reps, no one. The pre-programmed loop says, " I can only transfer you in limited circumstances, '' which of course means they won't transfer you to anyone. 
I think considering the power that a company like Experian wields over consumer credit purchases, I feel they should be required to staff their phone lines with real people who can clear up a minor problem. Their only solution offered for a non-working PIN was to write to them in XXXX, XXXX enclosing ID, which I did. In the year XXXX, I think the CFPB should require that these companies have both a telephone contact list with real people, and an email address to clear up minor problems. I certainly could have verified any security questions they may have asked me by telephone. I feel that while credit file security is important, locking out consumers from directly contacting a company 's employees, except by mail, is an unfair trade practice. The information in our credit files provides their profits, and I feel consumers are at least entitled to have a conversation or an email exchange to clear up a minor problem in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. 15 USC 1681s2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information, it is a FEDERAL violation.

2. 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy 3. And, according to15 U.S. CODE 1681i ( 5 ) - Removal of Inaccurate/Invalid Credit Information , it MUST be REMOVED from your credit reports.EQUIFAX HAS TAKEN OVER 90 DAYS TO COMPLETE THIS REQUEST. ATTACHED IS PROOF THEY STATED IT WOULD BE DELETED. THEY HAVE BROKEN THE LAWS ABOVE. XXXX XXXX XXXX MUST BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. I WILL HAVE NO CHOICE BUT TO SUE EQUIFAX IF XXXX XXXX XXXXXXXX IS NOT DELETED ASAP. THIS IS CAUSING EMOTIONAL DISTRESS AND DAMAGES TO MY CREDIT SCORE.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account that appears on my credit report, managed by XXXX XXXX XXXX. I believe this account is invalid, and the collection agency has failed to provide sufficient documentation to substantiate the debt. 

Details of the Issue : 1. Invalid Account Information : The collection agency has reported this account on my credit report, but I have no record of owing the debt they are attempting to collect. 
XXXX. Failure to Provide Validation : Upon requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), the collection agency failed to provide essential documentation, including : The name and contact information of the original creditor. 
A copy of the original agreement or contract that created the debt. 
A full account history showing how the debt was calculated. 
Proof that the agency has legal authority to collect the debt. 
3. Lack of Original Creditor Information : The collection agency has been unable or unwilling to provide the original creditors details or the purchase agreement proving the transfer of this account. 

This invalid account is negatively impacting my credit score and has caused significant stress. The lack of proper documentation and failure to validate the debt undermines the legitimacy of their claim.
Product: Credit reporting or other personal consumer reports

NCB sent me an emails regarding the debt on XX/XX/XXXX, XXXX XXXX and the XXXX. On XX/XX/XXXX, I responded with a debt validation letter requesting the following information ; name and address of the original creditor, the amount of the debt, how it was calculated, proof that they have the legal right to collect this debt and proof that I am legally responsible for this debt. In the same letter, I wrote, until you provide me with this information, I expect all collection activity to cease and desist as per 15U.S.C.1692GC. If you can not or do not intend to provide this validation, please inform me in writing so I may take appropriate action to protect my rights. Then I sent a letter on XX/XX/XXXX stating I requested verification of the alleged debt under my rights and that I am within my rights of a verification request. I requested a copy of a signed contract, which I did not get. I requested that they ceased and assisted all at collection activity, including credit reporting, which they did not. I requested that they delete any and all reporting made to any consumer credit reporting agency, they did not. They have clearly failed to address my very specific legal request and are clear and clear violation under the FDCPA, they failed to obtain and send verification to the alleged debt by not mailing me a contract instead of sending me a signed contract or an agreement signed by all parties involved as requested they mailed me a bill a bill is not a contract or agreement and are nonresponsive to my verification request Second, they failed to cease and assist and delete my credit reporting of the dispute alleged debt is false, deceptive and misleading representation or means in connection with the collection of the debt to communicate to any person due to the previously stated they have caused me and my family, additional stress, frustration, credit damage and costs, I also asked them to formally served process. You may resolve my FDCPA claims by doing the following synthesis collections delete all of my credit reporting and tender me {$1000.00} made payable under my name and that they had 14 days of receipt of this letter in return sent me another bill XX/XX/year>! 


XXXX XXXX sent an email on XX/XX/XXXX about this alleged debt. I sent a debt validation letter on XX/XX/year> stating the fair deck collection practice act grant me the right to request validation of this debt and I am exercising that right in pursuant to 15 US C 1692G and I requested the name and address of the creditor, amount of debt and how it was collected, what the debt was for proof that they have legal right to the collection of this debt and proof that I am the party legally responsible for this debt. I also stated that until they Provide me with this information I expect all collection activity to cease and desist per 15 USC 16 2GC if they could not provide nor intend to provide this validation, please inform me in writing so I may take appropriate action to protect my rights! On XX/XX/XXXX, I received a phone call from unified global which violates my cease-and-desist!
Product: Checking or savings account

XXXX I called usaa to notify them my card was stolen as well as my car with my cell phone inside.I was XXXX XXXX XXXX XXXXXXXXCovid is still going on so they requested we not bring anything inside the XXXX..I filed a police report and immediatley sent it to usaa, I didnt use this account much .On XXXX i checked my balance and my acccout had not been shut off and XXXX dollars was gone .Usaa said this wasnt fraud and said my account was overdrawn this amount, Who ever took this had acess to my cell phone so they spent the provisinial credit and transferred money from my other usaa account where my paychecks were deposited.Im out all this money and then my tax refunds hits and usaa keeps it on a closed account, Now usaa has sent several letters stating they need my social security number id and adress because they dont have it for my other account, How can they not have it? how have they been veryfyig anything without that info? Im out all this money and they have no clue who i am.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting Act Discover Card has violated my rights under 15USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may it treat a payment in a credit card under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

On XXXX/XXXX/2015 XXXX PM i filed Case number : XXXX requesting that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX be removed from my file as ID theft victim not belonging to me. Equifax responded ; Equifax said : Explanation of closure Please be advised XXXX XXXX XXXX XXXX was verified to be deleted by credit grantor in case number XXXX. XXXX XXXX XXXX account number XXXX was deleted for the credit the file in case number XXXX. 
However it has again shown up on my report. i am requesting Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. They obviously are not willing to provide this which is even further illegal. The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ID Theft victim can request evidence of endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ), or settle in court with law suit. I intend to follow my right if this is not removed within 5 Business days pending any investigation or re investigation.
Product: Checking or savings account

I called on XX/XX/28 at XXXX AM. The company refused to close my account and stated that, " we can close XXXX account but not all accounts. " State law requires the bank to close my account within a reasonable amount of time after making the request. I'm not sure why they think this law doesn't apply to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Product: Debt collection

After I tell them there going to receive their money on theXX/XX/XXXX. I continue to receive phone calls daily after I have spoken to someone the day before, It not like I'm three months late.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to DEPT OF EDUCATION/NELNET XXXX XXXX DEPT OF EDUCATION/NELNET  XXXX DEPT OF EDUCATION/NELNET XXXX DEPT OF EDUCATION/NELNET XXXX DEPT OF EDUCATION/NELNET XXXX DEPT OF EDUCATION/NELNET XXXX XXXX DEPT OF EDUCATION/NELNET XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or NELNET 's customer service representative.
Product: Mortgage

I submitted a complete modification packet to Wells Fargo since X/XX/2017.However they are refusing to provide me mortgage assistance. I explain to them that my income has change, my son is no longer contributing and the renter I had left without paying me rent. I provided Wells Fargo with my new income, the new company I am currently working, they offer over time. <P/> Wells Fargo is stating there is not enough change of income is order to activate my file with the under writer. How is it possible that Wells Fargo is stating there is not enough change in order for them to activate my file. I explain to Wells Fargo I am not collecting rental and my son is no longer contributing, that is enough change to be evaluate for a new review. Also the new job is offering over time and my paystubs is showing that increase of income. Now Wells Fargo has schedule a new sale date for X/XX/2017. I am scare to lose my home. I am trying to work directly with Wells Fargo but it seems to me their intentions are to foreclose my home. I dont have any where to go, I have loss so much already a marriage of over 20 years and now my home, I am extreme devastated. Please help me keep my house, since I have never denied myself to work with my Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I submitted a dispute for a Credit Card account for which I have not been an Authorized user since XX/XX/year>. The Dispute results were updated today, XX/XX/year>. The problem is that that error is still listed on my report. Experian did not clarify what they did or if they did anything as if nothing was done on their part. I have confirmed twice with my creditor that my account was closed. Experian Report XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started services with National Care Credit on XX/XX/2021, the company charged me fees upfront before any services were rendered. 

According to Fair Credit Reporting statutes 15 US Code 1679 ( 4 b no credit repair organization may charge or receive money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed ). 

Since XX/XX/2021 we have paid this company {$750.00} and have not seen any progress on our report. I called them at the beginning of XXXX to cancel services and they basically told me they will charge me again on XX/XX/XXXX for services even though I canceled. I do not want this company taking out any more money from my account, and am requesting a full refund for services not rendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

These two companies were filed on a bankruptcy and not removed from my credit report : 1. Judgement Case Case # XXXX Filed-XX/XX/XXXX Amount-XXXX XXXX-XXXX XXXX XXXX-XXXX -- XXXX XXXX XXXX Court-XXXX Circuit Court XXXX SD 2. Judgement Case Case # XXXX Filed-XX/XX/XXXX Amount-XXXX XXXX-XXXX XXXX XXXX-XXXX -- XXXX XXXX Court-XXXX County Court ( RD ) XXXX  CA Both cases were filed with a bankruptcy and granted at : Bankruptcy Chapter XXXX-DISC Case # XXXX Filed-XX/XX/XXXX Lact-XX/XX/XXXX Atny-XXXX XXXX XXXX Directory- ( XXXX ) XXXX Court-Federal District Court Cases one and two shown above are still on my credit report ; I need them removed so I may purchase housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account numbers XXXX. ( Please see pages 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

On XX/XX/2024, I received a letter from Eastern Account System of Connecticut XXXX Inc., claiming I owed {$240.00} to Frontier. This letter was dated XX/XX/2024. The letter claimed I had received a letter thirty days prior from them about the debt and that I never responded so they assumed that the debt was valid and reported it to a credit bureau.

Eastern Account System has not sent me any such letter claiming I owe a debt. I have never received any such letter nor any communication from either Eastern Account or XXXX regarding this alleged debt. They have reported debts to a collection bureau without prior notice and without giving me proper time to demand validation as required under the Fair Debt Collection Practices Act and Texas Debt Collection Law, Section 392 of the XXXX XXXX XXXX.
Product: Checking or savings account

I deposited a XXXX dollar pay check on XX/XX/XXXX. The bank put a hold on my money until the XXXX of XXXX. I called twice and was told they could do nothing. Even though I told them I needed money to survive. On the XXXX of XXXX I went into the local branch. I brought my check in question and my pay stubs. He said he would try to release it. XX/XX/XXXX. They still will not release my funds.