23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, I was a tenant at XXXX XXXX in XXXX, Virginia, with an excellent record for several years. Even when recovering from a XXXX and living off savings to heal, I remained current with my rent payments. However, around the time COVID appeared and I was trying to interview to start working again, my savings had dwindled. I had communicated with management at the property and let them know I was waiting on my tax refunds in XX/XX/2020 and would be a few days late with the rent. They chose to take me to court for just that one missed payment. The shutdown hit a month or so later, and I was communicating with them throughout it all. Fortunately with the moratorium on evictions in VA, I was able to stay in my home. When that moratorium was lifted, the community promptly evicted me in XX/XX/2020. I still wasn't working and therefore was basically homeless, though some great friends opened their homes to me until I was offered a position in XX/XX/2020. Once I started working again, I have been steadily paying the balance down to what I owe this entity through their attorney. Even attorneys I spoke with for advice throughout the situation, and the one collecting the debt, told me they could tell how I managed my money well and that the management company was very unethical in their dealings with me. My purpose today in contacting you is to find out if there's any way that this debt can be forgiven or at least reduce the attorney 's fees that they've now tacked on. When I started paying the debt earlier this year, the attorney told me that my balance was around {$6000.00} and that she had not even received the move-out statement from the community. I made a payment earlier this week - and the attorney commended me for the fact that I was making substantial payments, even while paying to stay in a hotel and keep current with other bills. My credit report just started reflecting this debt ( with an additional amount for the attorney 's fees ) although I incurred it and was evicted almost a year ago AND during a period in which a lot of people were experiencing this situation. The management company ( which was XXXX XXXX XXXX & XXXX at the time I lived at XXXX XXXX was never willing to work with me, ignoring all my requests for help and now are dragging their feet in providing up-to-date information about what I actually owe them. Any advice you can give on how to settle and put this behind me would be greatly appreciated. Thank you.
Product: Student loan

I owed a student loan debt which was initially owned by XXXX XXXX but was sold to Navient. I filed for XXXX XXXXXXXX Bankruptcy in XX/XX/XXXX for other reasons. Navient was included in the XXXX XXXXXXXX plan with me owing a total with principal and interest in the amount of {$27000.00}. The total balance was paid off through a XXXX XXXXXXXX Bankruptcy which was successfully XXXX in XX/XX/XXXX. Navient XXXX XXXX XXXX XXXX is now alleging I owe {$6100.00} after the bankruptcy has been completed because a Navient Representative indicated that portion of the loan was forgotten to be included when I filed for bankruptcy in XX/XX/XXXX. Also, amid the bankruptcy in late XXXX Navient transferred/sold the loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). In addition, I asked Navient for the validation of debt and a copy of the original documents with my signature because Navient has alleged a loan disbursement was given to me in XX/XX/XXXX. I last attended graduate school and graduated in XX/XX/XXXX. I have not attended any other college or school since XX/XX/XXXX. To date, I have not received a copy of the documents. Furthermore, it is Navient 's error if they have forgotten to include this debt with my bankruptcy filing and I should not be liable for this alleged debt. Also, I keep receiving conflicting information about the loan when contacting Navient. 

I had started paying from XX/XX/XXXX - XX/XX/XXXX because I did not want this to affect my credit score while trying to resolve this matter as I had successfully emerged from bankruptcy. I ceased paying because this was unfair and totally a violation of the law and my rights. As you are aware there is a pause on the student loans and it had been extended on XX/XX/XXXX by President Joseph R. Biden through XX/XX/XXXX, but on XX/XX/XXXX Navient report me as 90 days late to the three major credit bureaus. There have been constant harassing calls, text messages and emails. This has caused pain, stress, anxiety and sleepless nights.
Product: Mortgage

I initially applied for a XXXX down home loan with Flagstar Bank on the date of XX/XX/2023. I was approved with conditions for a home mortgage loan on XX/XX/2023. I have had nothing but problems since trying to secure this loan. I have to date made every effort to satisfy the conditions from underwriting and have been unsuccessful in being cleared to close for the simple fact that the underwriter claims that she is unable to source funds used to pay the requested accounts to XXXX. I have sent in multiple forms of documentation including credit card transaction sheets, XXXX ' worth of Bank statements XXXX and verification of payment through a third-party company ( XXXX ). Nothing has been able to satisfy underwriting. I brought these concerns to the president of the Mortgage division at XXXX a XXXX XXXX XXXX and my concerns were met with minimal response. I am currently under contract for a property, and I am now on my XXXX extension. I fear that I will lose out on my chance to be a homeowner due to XXXX 's negligence in handling my loan file. My appointed loan originator XXXX XXXX has elected to no longer be involved in the underwriting process, which is delaying the closing of my loan even further. I am asking that this issue investigated by a higher authority.
Product: Checking or savings account

There is fraud activity on my account that I clearly did not authorize, close to {$2000.00} if not more has been stolen from me and the person helping me on the phone was just being rude and eventually hung up on me when he was helping me reset my account number. As a result of him hanging up on me i now have no access to my account and the little bit of funds that i had left. I am worried they will not help me and reimburse me. The Bank is Wells Fargo.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Accounts : Account numbers : OPEN DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XXXX, so I do not need TransUnion to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX XXXX XXXX XXXX if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self attestation to you TransUnion Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX XXXX I sent XXXX XXXX XXXX a letter requesting a verification for an account that was placed on my consumer report. I received a letter in return for account number XXXX. A XXXX XXXX XXXX from XXXX XXXX XXXX . I wrecked this vehicle and the account was paid off in full but there were two late payments reported to my consumer report. 

Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( XXXX XXXX XXXX  ) Making the report is NOT INCLUDED on my Consumer report! 
Late payment is a transactional history, My HISTORY with the company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi this complaint is being filed to bring awareness of violations the three credit reporting agencies continue to do when dealing with my credit report. I have my full credit file I ordered recently and I see a erronmous amount of inaccuracies and fraudulent accounts. There is also previous addresses that are in no way associated with me at all. I started my journey to get this corrected by filing a police report and sending a affidavit to the 3 major credit reporting agencies Experian, XXXX, and XXXX. I realized I was a victim of identity theft when I started crazy calls about accounts that needed payment and I had no clue existed. Not only have the credit reporting agencies lied to me stating that the accounts or information is verified when per 15 USC 1692 ( g ) Validation of Debts the law clearly states validation comes directly from me a " person ''. I know its a money game and they get paid to put accounts just anywhere even when federal law says they have to gain my written consent per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them. 

Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, My name is XXXX XXXX. I am reaching out due to the credit bureau systems disregarding my rights as a U.S. Citizen, and failing to uphold my report in good standing due to their negligence of my rights. I dont appreciate my case being dismissed due to the fact that the bureaus expect me to water down my intelligence, as an excuse to not be held liable. I have attached a written letter sent to my XXXX XXXX XXXX XXXX  address stating TRASUNION received my initial dispute on XX/XX/XXXX. Today is XX/XX/XXXX, and these reports havent been updated as being disputed on my credit profile which is dated- systematically ( Photo attached ). I reached out to the bureaus in regards to removing discrepancies off my reports. According to law 15 U.S.C 1681a ( d ) ( 2 ) ( B ) & 15 U.S.C Code 1681a ( d ) ( 2 ) ( A ) ( iii ) - A credit card is not supposed to be on your credit report. Its also stated that a creditor has to notify the consumer and receive consent before reporting to the bureaus. These are all violations of my rights, as I dont know any of these names, and was never aware of these inaccuracies until recently accessing my reports. I ask that you mandate the bureaus to remove all derogatory marks immediately, and adjust my score accordingly to reflect my good standing and 100 % payment history. I have personal obligations that have been withheld or denied due to these issues. I also want to highlight another violation of the bureaus- I reached out on XX/XX/XXXX, and have written several letters since about these derogatory remarks, and today - XX/XX/XXXX, they have NOT updated any of them as being disputed on my credit report. Its currently past the 31 day mark. I ask that you hold them accountable to these violations or I will pursue a legal suit. I appreciate your understanding, and efforts to effectively resolve these matters. 

Regards, XXXX XXXX ( SSN CARD, ID, and Letter from Transunion attached with other evidences to prove this statement was written by ME )
Product: Credit card or prepaid card

I have credit cards with Amazon, Sam 's club, and Lowes. They are handled by Synchrony Bank. I pay these accounts on-line and schedule payments to be paid on the due date. Synchrony has now started charging me a late fee because are using the date when they process the payment and not the date when the funds are paid and available. It is not my fault that they can not process the payment when it is paid and they take a day or two later to process the payment and then charge a late fee.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX INQUIRIES : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent them a letter regarding that they were violating my rights also disputed them. Under this law Validation of Debts 15 U.S.C. 1692g Also Harassing or Abusive Practices 15 U.S.C. 1692d, False or Misleading Representations 15 U.S.C. 1692e claiming that they will not use if I make payment that is coercion deceptive acts harassment Furnishing Certain Deceptive Forms 15 U.S.C. 1692j Do I have a contact with you I want to see the two wet signatures.
Product: Credit reporting or other personal consumer reports

I was a cosigner on a Mattress Firm Credit Card via Synchrony Bank. My XXXX XXXX did not pay the card. It was charged off. However, in XX/XX/2023 the debt was cancelled and a XXXX was issued to my XXXX XXXX I have tried to contact synchrony bank and mattress firm to reflect this on my credit. They are still reporting I owe {$5000.00} and that its charged off. The account is no longer charged off and the debt is cancelled. They also are reporting inaccurate information in terms of payment. When covid occurred we were on a plan because we could not pay.
Product: Credit card or prepaid card

Today XX/XX/XXXX I was charged for an unauthorized amount from an apple card. I have never applied for an apple card. Right away, I created an account with XXXX the same day to start and monitor my credit because I've had problems in the past, and found an apple account was opened in XX/XX/XXXX. It was paid as agreed until XX/XX/XXXX and late charges started to occur. I have no knowledge of this account and have never had any late or negative things reporting on my credit until this incident. I have over XXXX years of paid as agreed accounts. I am filing this report/claim as identity theft to me. Somehow my information has been linked and XXXX has a report of some of my information being found in the dark web. This incident has started to negatively effect my credit and I hope this is corrected as soon as possible. XXXX and XXXX XXXX provided me the statements for this account and a bunch of charges to apple were made from XX/XX/XXXX to XX/XX/XXXX where in XX/XX/XXXX the late payments started to take effect. I don't think I would have let a an account become delinquent and my credit history should prove that. I have never applied for a apple card through XXXX XXXX. I disputed the account with XXXX and they told me to file a report with the FTC. I hope this is resolved in a timely manner.
Product: Student loan

I have been paying on a {$48000.00} loan since XXXX with a current balance of {$35000.00}. I have paid {$160000.00} with {$150000.00} going just to interest. They tacked on {$29000.00} in capitalized interest over the years. 

I called to tell them that I can not continue to give them a huge chunk of my money that it was unfair that I was not fully informed of what would happen when I deferred payments in the past. I am older, sick and can not work as hard as I was anymore. I do not qualify for any forgiveness options. 

Their option to me was to file yet again for payment deferral. Are they crazy? If it wa n't for deferment this loan would have been paid off a long time ago. 

I was also informed that they will not work with me because my account is in good standing. I feel penalized because I care to protect my credit rating and came to them in good faith before defaulting on this loan. 

I feel so ill and so taken advantage of every month when I make my payment.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX  XXXX XX/XX/year> : XXXX XXXX  XXXX XX/XX/year> :
Product: Bank account or service

XXXX and Wells Fargo are debiting money from checking account prior to the check being cashed by the recipient. Here is what is happening : 1. check is scheduled for payment via a Wells Fargo account using XXXX 2. check does not arrive at recipient for various reasons. 
3. Wells Fargo removes $ from checking account on the day the payment is scheduled in XXXX, even thought the check was not cashed. 
4. Recipient calls me to find out where their payment is. I see that the $ have been removed from my account so I am thinking their has been fraud. 
5. I call Wells Fargo to understand what 's happening. Nearly 2 hours later and after talking with several people I find out that the payment processor automatically removes money from my account on the date payment was scheduled regardless of whether the check was cashed. 
6. I believe this should be considered fraudulent activity. The payment processor was not authorized to withdraw $ from my account prior to when the recipient of the check deposited the funds to their account.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX  please remove this fraud inquiry from my credit report.
Product: Money transfer, virtual currency, or money service

I have had several issues with transferring funds with XXXX where my true balance wasnt disclosed and when I spoke to someone in regard to the matter, they didnt have an exact reason for why the transaction didnt reflect in my balance. Even in paying bills, the pending transaction doesnt show in my checking pending transactions, I noticed I would have to go to my transfers to see what was coming out of my account and do the math myself because transfers would only show the amount transfer and not how it reflected in my balance. Balances wouldnt match and I would have to wait until transactions would clear which would delay payments in some cases resulting in me paying late fees etc. I experienced misleading information when speaking to representatives because they speak from a place of what they can see or what has posted however the information I inquired about may not be listed where they were looking ultimately resulted in me receiving misinformation. I didnt have a solution to my problem other than make payments and transfers and wait longer than the advised time for them to clear. It defeated the purpose of on time bill pay or transferring funds in a window of time. It has cost me more money than it should have.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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.