23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I took out my XXXX XXXX loan in order to go to college. I was told when I signed up that I would get the best customer service. However, ever since I have graduated in XX/XX/XXXX, I have had nothing but trouble from them. They immediately came after me for {$550.00} a month. I was able to get my account placed on a Graduate  payment plan, but once it ended, I still was struggling to make payments as a recent graduate. When I contacted them, in XX/XX/XXXX and requested assistance in the form of refinancing due to an increase in my credit score, they refused and instead they placed me on an interest only repayment plan for {$300.00} a month, despite the fact that my cosigner had amazing credit. After that, they would make disrespectful, harassing and occasionally threatening calls to myself and my cosigner, who was in the hospital during one of  these calls. While I understand that they are a business, these calls came when I was only two days late in payment, and when I had already called XXXX XXXX and informed them that I was waiting on a paycheck and then they would get their money. At one point, the person I spoke with talked down to me and told me that until I " learned to pay on time, I would continue getting the calls. '' Again, this would occur when I was only two to five days behind in payment on a {$300.00} dollar payment as a recent graduate. I have never been more than 28 days past due, and every time I have been past due has been due to some reason I can't control and that XXXX XXXX refuses to work with me on. Now, after a year of these " interest only payments '', my repayment plan is almost up and at the beginning of this year, my balance went up {$8000.00} and they expect me to begin paying them {$550.00} a month come XX/XX/XXXXXXXX. Every time I request some form of help due to being unable to handle the bill and support myself, they refused. I have no issues paying my bills, I am an accountant and I know bills must be paid. However, there is absolutely no reason that XXXX XXXX should be this inconsiderate and all together disrespectful towards their clients.
Product: Money transfer, virtual currency, or money service

I thought I was making a purchase of a truck from a friend on XXXX. I sent the deposit for the truck by Zelle through my bank app. After I sent the money I contacted my friend to go look at the truck and was told she was hacked on XXXX and XXXX. So my money went to someone else. We did not receive the item or the money back. It was XXXX. I contacted my bank and they said that they do not refund any Zelle claims because I initiated it. Which I did, but it was a scam. Zelle will not refund it either because it is through the bank app. I don't know what to do. My bank is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have multiple fraudulent accounts, Names, addresses and phone numbers on my credit report I disputed them and the CRA removed what they wanted too not what I reported to them and then they never responded to me with how they verified or with what info they used. So I filed a Identity Theft report with the Identitytheft.gov I was going to file with local police but they told me because I did not know who the crime was committed by that they cant take a report. So I filled out a affidavit and had that notarized and sent everything to Equifax via certified mail with return receipt. They in turn just sent me a letter via internet telling me that they verified the debt as accurate with no investigation steps taken to verify the debt. This took over 45 days and they are playing games by investigating accounts that i did not dispute. They have also allowed companies to view and receive my credit reports and private information that i never authorized multiple times. I am a XXXX / XXXX XXXX XXXXXXXX who has been homeless for the last XXXX years and currently living in a shelter because of the fraudulent accounts that Equifax lists on my credit report are preventing me from acquiring adequate housing for me and my XXXX old son. I am seeking legal council and representation through the VA free of charge to file lawsuits against Equifax for the illegal business practices and the monumental damage they have caused me both mental health wise and financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday, XX/XX/2021 I tried to access my credit report via XXXX but received an error message that stated " Based on the information provided, we are unable to verify your identity ''. During the COVID-19 pandemic, I should be able to access a free weekly online credit reports. Why am I not able to access a copy of my credit report. Please send a copy of my CREDIT REPORT AND CREDIT FILE to my email address. I have included evidence that I was not able to receive my credit report, along with ID and paystub to verify my identity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX historical late payments 30 days each payment In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Transactions are not included in the report and the request to is to remove late payments from my XXXX, Equifax, XXXX consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres incorrect personal information on my credit report
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to ensure the accuracy and completeness of the information you report. The reported late payment is inaccurate and must be corrected immediately. The case XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) established that credit reporting agencies must take reasonable steps to ensure the accuracy of the information in consumer reports, including investigating disputes regarding incorrect data. I request that you conduct a thorough investigation into this matter, update my credit report to remove this incorrect information, and provide written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I expect a timely resolution in accordance with FCRA requirements. 

I HAVE BEEN SENDING DISPUTES TO THE CREDIT BUREAUS SINCE XX/XX/XXXX AND NOT ONE TIME HAVE, THEY RESPONDED. ALL THEY DO IS SEND THEM SYSTEM GENERATED LETTERS ABOUT A DISPUTE NOT BEING FROM YOU. WHAT DOES IT MATTER WHO SENT IT. JUST DO YOUR JOB.
Product: Mortgage

I had a mortgage with Ditech Financial and decided to refinance with them to get fixed rate. I received a good rate and everything looked good during application process but later turned out that both loan officer and loan processor had very little knowledge about the process. The loan processor   XXXX   XXXX   seems not to have any knowledge at all, he was giving me confusing information all the time and after closing totally ignored me. The major issue arised with real estate taxes when they decided to take almost {$3300.00} at closing to pay taxes shortly before real estate bill came out. After the closing, when i received tax bill and found out that it is around {$1000.00} less i made several calls and emails to loan processor and loan officer and received no response.After few days trying to call different departments at Ditech no one knew where my money was if it was paid already or not. Finally i contacted the title company and was told that the check was already sent. Now i have {$1000.00} overpayment and it will take forever to get the money back. All because employees from Ditech do n't know what they are doing and ignore customer. I would never do business with this company again.
Product: Credit reporting or other personal consumer reports

I am honestly asking the XXXX Credit Bureaus XXXX, Equifax and XXXX to REMOVE these fraudulent items from my credit reports within 15 days time. I have sent a complaint dated XX/XX/XXXX. In it I stated that I need these items REMOVED as I did not owned or opened them nor I authorized anyone for it. So please remove the items listed in this complaint : XXXX : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened a credit card with crypto.com. the changed their terms and rewards which implemented an inactivity fee and not honoring the rewards when my account was activated. Since then I began being charge inactivity fees. I decided the card is not what I want and I want to close the card to avoid any additional fraudulent charges. I was told my account can't be closed until my card balance is at {$0.00}. I was told there are multiple ways to transfer and withdraw my funds at first. I followed every instruction given to me and none of them worked. After dealing with them for an entire day of back and forth I got nowhere. I continued to pursue this again this morning where I was told no you can't transfer or withdraw amd told me the only way to access my money is by spending as much as possible and then waiting to be charged more fees by them to zero out the account. They are refusing me access to my money.i also took screen shots of all of the conversations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I got a hard inquiry today and on the XXXX of this month from XXXX XXXX Bank. The address listed was an address in California. I reside in XXXX so this raised some red flags. I have never applied for a XXXX XXXX account. I suspect someone has my personal information trying to open bank accounts, credit cards, ect. in my name.
Product: Debt collection

I got a call yesterday from a Direct Recovery Services stating that I owe {$3900.00}, and I had 2 days to resolve this account they didn't state would happen after this but said the file was already audited. I am not sure what this pertains to I have never received any information regarding this company or who the original debt is with.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX Date of Inquiry XX/XX/year> & XXXX  Date of Inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written five ( 5 ) letters to Synchrony Bank / XXXX to the mailing address listed on my credit reports to advise them regarding a fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX, XXXX, and XXXX XXXX credit reports. The only communication that I have received from Synchrony Bank / XXXX was a generic letter advising me that the account belongs to me because statements were mailed. I have never received any statements in the mail from Synchrony Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted paperwork to XXXX, Transunion, and XXXX on XX/XX/2021 and I have yet to get a response stating the findings of the investigation into my credit report. The fact that this situation has my future on hold is frustrating. I need them to do their job and ensure my report is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was inquiring about getting credit or a loan. I filled out this form and it was said that they will do what is a Soft inquiry that would not make my credit score go down. They hit my credit anyway and now my score is lower.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES is attempting to collect a debt that do not belongs to me. I expect a cease and desist and item to be deleted from all major credit reporting agencies, this inaccurate and false reporting is hurting my financial goals. I have never done business with this company and have no agreements with this company. PORTFOLIO RECOVERY ASSOCIATES is reporting invalidated information on my credit reports and this action might constitute fraud under both federal and state laws.
Product: Mortgage

Theft of property at XXXX XXXX XXXX, XXXX XXXX, NY XXXX with proof of Satisfaction of Mortgage filed by servicer PHH Mortgage aka XXXX, thefts, fraud, malicious manipulation, and neglect of wrongful filing acknowledgment under oath by XXXX. The previous servicer.manipulation of Insurance claims and fund with XXXX. Abused of elderly mother on the mortgage with me. Just spent over $ XXXX in recent renovations. Fraud.violation of Federal Truth in Lending, billing, and credit reporting act.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX XXXX Employer XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Employer - XXXX XXXX Employer - XXXX XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Checking or savings account

XX/XX/XXXX the alarm company took a payment out of my account before authorized. XX/XX/XXXX I was charged a fee of {$36.00} and couldn't understand why. When I went back that is when I saw the payment error. I did a dispute and the money was returned XX/XX/XXXX but not the fee. Had the alarm payment not been taken out my account would have had enough money. I called and was told it would fixed. Well guess what it still hasn't been so my account was $ XXXX since SunTrust hadn't returned my money and had the nerve to charge me another fee today AND I don't understand why! I made a deposit before XXXX and it is not showing at all!! {$200.00} deposit. I don't appreciate the discrepancy on my account and them not fixing!
Product: Mortgage

My mortgage company Selene Finance been with them since XX/XX/2020 and did not receive a statement and they do not report my payments to the credit report. When I try to refinance my house banks could not find my payment history on the credit report and I do not have any statement to show them.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$4800.00} DEPTEDXXXX  XXXX {$2800.00} DEPTEDXXXX   XXXX {$3000.00} DPTED/XXXX XXXX {$5500.00} XXXX XXXX XXXX {$330.00}
Product: Credit reporting or other personal consumer reports

My information was exposed during a data breach. Please delete the following accounts within 4 business days under section 605b  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. These companies are blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing the organization to report any accounts on my consumer report therefore, the reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO THESE COMPANIES TO OBTAIN MY PERSONAL INFORMATION. Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft.
Product: Debt collection

XXXX XXXX stated in original complaint response that a letter stating this account is non collectable and all collection activities were ceased. 

Letter has NOT been received. 

XXXX XXXX failed to mail letter as stated.
Product: Credit reporting or other personal consumer reports

I am rewriting to address a matter of utmost concern to BARCLAYS BANK DELAWARE regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that BARCLAYS BANK DELAWARE conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is showing that I'm more than 30 days late on my XXXX and XX/XX/2022 payments. This is showing up on my credit report. It has caused my credit score to spiral as a result. Because of this my other credit cards have reduced my available credit by thousands. This is keeping me from purchasing a reliable vehicle. I have bank statements showing that I made payments on time in both XXXX and XXXX of XXXX. I have filed multiple disputes with all 3 credit agencies and XXXX XXXX XXXX  still refuses to correct this error on my credit report. I've tried speaking to them in person as well and just get the runaround. I need this fixed ASAP