23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XXXX XXXX, 2016, I placed my payment in full for my Perkins loan through ECSI. My grace period was ending on XXXX XXXX, 2016 and so I set it to pay on XXXX XXXX, 2016 ( interest would begin accruing on XXXX XXXX, 2016 ). I received a DirectPay confirmation on XXXX XXXX when I had placed my payment for the loan. On XXXX XXXX, 2016, my payment never went through. On XXXX XXXX, I contacted ECSI as I wanted a resolution as to why they had n't processed my payment yet. I never received a response ( but had been told through the system that I would hear back soon ). Interest accrued on XXXX XXXX. On XXXX XXXX, I tried contacting them again. Again, no response. Again on XXXX XXXX. Again, no response. I finally got a hold of someone on XXXX XXXX and they told me that nothing could be done. They told me it was my fault for not contacting them ( which I had ) and that I had n't processed the payment ( I had ). They told me they had deleted my payment ( for no reason? ) and that I had to pay the interest as well as interest that was set to accrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

AROUND XXXXXX/XX/2021AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WERE A LOT OF FRAUDULENT ACCOUNTS REPORTING ON TO MY CREDIT REPORT. WHICH ARE ILLEGAL TO REPORT INACCRURATE INFORMATION. 
FRADULENT ACCOUNTS- EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRADULENT HARD INQUIRES : EXPERIAN XXXX XXXXXX/XX/XXXXFRADULENT HARD INQUIRES : XXXX  XXXX XXXX XXXX XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FRADULENT ACCOUNT-XXXX  Collections-Unknown- XXXX XXXX FRADULENT HARD INQUIRES : XXXX  : XXXX, XXXX  XXXX  FRADULENT ACCOUNTS : XXXX  XXXXXX/XX/XXXXXXXX, XXXX XXXX  WE HAVE ATTEMPTED TO CONTACT THEM. HOWEVER, THEY CONTACT TO REPORT THE FRAUDULENT ACCOUNT TO ALL 3 CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE US INFORMATION PROOFING THIS FACT. NOW THEY HAVE STOPPED RESPONDING TO OUR EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. 
WE HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED THAT ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT. AS WELL AS PROVING THE FACT THAT THIS IS MY ACCOUNT. 
PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS FCRA LAWS INCULDING AND NOT LIMITED TO SECTION 609,611 ( A ) ( 1 ) ( A ) AND FCRA U.S.C 161B
Product: Debt collection

MCM I called several times to resolve the issue and was told the debt could be settle for {$750.00} dollars in which I called back and was told I need to talk to some one name XXXX. I have phone records to how many times I called.

If MCM wants to resolve this issue I need a letter stating what I was told over the phone. If it's not in writing the amount stated there is no reason to mail any more letters I will just wait to it comes off my credit report. If the debt is not being removed there is no reason to pay the debt due to it is not going to change my credit.

Unless I receive something in writing showing what we discuss and it's been removed from my credit report there will be no need for need for contact regarding this debt if not in writing. I well not respond to the same old computer generated letter and when calling no need. Its been nothing but games and the run around with MCM. No letter no money
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit card or prepaid card

We did not sign up for a credit card with this company. We were offered a line of credit through XXXX XXXX XXXX. They said this was where customers got their line of credit through them. We told XXXX we could not afford more than {$300.00} per month, called multiple times to XXXX to find out the financial information since we were not sent home with any information nor did we get anything in the mail. We finally got a credit card bill in the mail for over {$800.00} so we called the billing department for XXXX XXXX XXXX and we asked what they were and they said they were a credit card. We asked about the percentage rate - it is 19.99 % and we asked when this amount was due and how often. It was due in less than a month from the date of the call and it was that amount each month. We asked them to send over a payment list to understand how much and often and they said that we would need to look up that information in the account once we created one with online access. Nowhere in the online information does it show anything about this credit card or the payment plan. They told us we were responsible for these payments and we signed up for them. We have sent a formal request for the paperwork opening this account as we did not open this account, but XXXX did on our behalf without our knowledge. We would have not ever signed up for a 19.99 % credit card for a timeshare if presented to us as such. We never received a credit card in the mail but only a disclosure sheet that says the credit cards interested rate will be anywhere from 10 % -17 % but you'll notice on this bill attached that it's 19.99 %.
Product: Mortgage

SN Servicing Corporation is a mortgage provider. Their agents and practices are discriminatory and violate civil rights. The property in question was purchased in XXXX. Never refinanced or pulled money from the property. This company has given nothing but grief, misinformation, conducted themselves unprofessionally, denied access to a portal with vital information related to the mortgage, sent mail to erroneous addresses all in an effort to discriminate and prevent mortgage from being appropriately handled. They do not reach out to call you unless until you initiate a call. The agents have sent emails that have been unprofessional and badgered me the homeowner. When I have consistently asked for a resolution, I have been met with words such as '' you need to get responsible '' not recognizing the hardships or situations a homeowner may face. In XXXX of XXXX, I made a large payment on the account in an effort to resolve the matter, taking their word, and now in XXXX they are asking me again to submit a large amount of money. They send unnecessary demand letters. And it seems that they are in the business of putting minorities out of their homes. I have attempted to escalate the matter only to end up right back at the starting point. I have dealt with many mortgage companies and this has been by far the worst. I'm unable to see any of my mortgage or statements of my mortgage online they deny me access to the portal and then tell me that the statements that I have received are incorrect when I make the payments, all in an effort to continually default the account. Their business practices are unprofessional, as well as the way they communicate. I have been hung up on several times with no resolution. Every time you call they tell you that they will note the account but nothing happens after that point. When you call again you have to wait for several minutes on the phone for them to review the notes only to tell you that there's nothing more they can do. I am a XXXX person and these circumstances are more cause for a health emergency due to the burden placed on any and all individuals.
Product: Credit reporting or other personal consumer reports

I recently read over my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. XX/XX/2022 states I was late for 60 days, but on time in XX/XX/2022. How is it possible for that to be the case. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
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 XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, ...... has violated my rights 15 U.S.C 1681 sec 602 A ( 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.

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 in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously sent a dispute about credit inquiries on my TransUnion account XXXX XXXX inquiry date XX/XX/XXXX type banks and XXXX XXXX XXXX  phone number XXXX XXXX and XXXX inquiry date XX/XX/XXXX type banks and XXXX XXXX XXXX phone XXXX are not mine and are not valid reported that these inquires and not valid reported the issue to TransUnion and they could not verify how or what what this information was verified these inquiries where not done by me and I would like these two inquires removed immediately these are no on any other reporting agency and i request removal if the can not give me there method of verification within the allotted time
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 59 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 59 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.
Product: Debt collection

I would like to confirm that the outstanding balance on this account has been fully paid and that the account has been properly closed. Please provide written confirmation that the account was paid in full and closed without any outstanding obligations. 

if there are any records or documentation related to the accounts closure that I can receive for my personal records, I would greatly appreciate it. Additionally, if there are any further steps required on my part, please let me know. 

I demand a written response within 30 days!
Product: Mortgage

For over a year Ocwen Servicing has stated my loan was delinquent, I have repeatedly informed Ocwen that I have a cancelled check for the full mortgage payment for every month on this loan. I have sent certified letters with copies of the cancelled checks and made multiple phone calls. Their response has been to send Pre-Foreclosure letters starting in XXXX 2016, which I responded to. I received the exact same Pre-Foreclosure letter in XXXX ( new date on letter was the only change ), which I responded to requesting a In Person meeting ( per page XXXX of their letter ), I then received the exact same letter in XXXX ( with a new date ), which I responded to again asking for a In Person meeting, additionally I had my attorney send them a letter also. And I have again received the exact same letter, which I have again responded to asking for a In Person meeting. I dispute that I am in any way shape or form delinquent in my payments, I can ( and have ) provided copies of cancelled checks. ALL correspondence has been sent via certified mail, and I have the signed return receipts, so I know they have received the information. Ocwen is beyond frustrating to deal with, I have spent hundreds of dollars trying to get them to respond to me in a way other than a computer generated form letter, all because some where along the line, THEY have made a error with my payments, and now I can not get them to correct the issue or even acknowledge my correspondence. I am afraid they will find a way to escalate the process and cause further monetary damage - I have resorted to sending my monthly mortgage payment via certified mail so I have evidence it was sent to them in a timely manner HELP!.
Product: Debt collection

On my credit report Ally Financial has a repo charged to my report as a charge off I have received no 1099C so that I may report it as income meaning while they got a tax break and are still trying to hold me accountable for the remaining balance I feel this should be removed from my credit report Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Accounts are still on my report AND violate the Fair Credit act. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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: Checking or savings account

I had filed a complaint about fraudulent activity on my account with Chase bank and issued a alert after the following transactions caught my attention : XX/XX/XXXX {$33.00} XXXX XXXX XXXX online # XXXX XXXX IL dated XX/XX/XXXX XX/XX/XXXX {$170.00} XXXX XXXXXXXX XXXX XXXX.my pa dated XX/XX/XXXX these transactions alerted me to theft on my account going back nearly 1 year. Most of which i did not catch because the previous theft was kept relatively low, averaging about {$19.00} per transaction, which is roughly what i spent daily in fast food and other miscellaneous items. 

I stopped the activity and contacted my bank by phone. i also went to the bank in person. The money began to be placed back in my account and i believed they would investigate my complaint. Not a week later, they reversed the refunds and stuck me with the fraudulent charges. I called and they told me it was my fault and they could do nothing about it. I was further told that they would " investigate '' but they have not been more specific about what this will mean. All i know is that a bank which i have been with for over 10 years and with which i have never had a previous complaint has stuck me with debts which are not mine and punished me with this debt which has caused a serious financial hardship on me. I work XXXX jobs and have had neighbors buying me food and sharing food with me because of the recent fraud and the bank not protecting me from such activity, The amounts spent online which are not mine were also taken back. i need help with this matter as i have no confidence with chase to help me.
Product: Debt collection

I saw in my credit report that there is an alledge debt for a company called XXXX XXXX XXXX. There is no proof this alledge debt is mine there for this is a violation. I have never done commercial transactions with XXXX XXXX XXXX and never signed an agreement of contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts at XXXX XXXX which are disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, XXXX and TransUnion credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete fir failure to contain the mandatory information. Either delete all my XXXX XXXX XXXX accounts or include the statutory reference that my accounts are both disputed by consumer AND affected by a natural or declared disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

The public record information Bankruptcy Chapter XXXX Discharged, XX/XX/2020 listed on my Experian credit report is inaccurate information. The United States District Court-District of Minnesota  Bankruptcy Court informed me that they do not report bankruptcy cases to Experian, XXXX, XXXX XXXX or any credit reporting agencies, and they did not report the bankruptcy chapter XXXX discharged, XX/XX/2020 public record thats currently listed on my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 6 medical bills that were about {$100.00} or less. These bills were paid by Insurance and I was never sent the amount to be billed from XXXX. XXXX XXXX XXXX in XXXX  never sent it to me in a timely manner to my new address in XXXX   instead these small bills went to collection without me knowing. They were paid off in full and removed from report immediately from the other bureaus except transunion. They should not be on my report any further. I disputed them. The agency was also to take them off after I paid them because of all the errors in such small amounts on medical bills paid by insurance and balance subsequently paid immediately by me once I was aware when my report was pulled. Transunion should not still have these 3 small medical bills on there that have been paid off and were put into collections in error & one of the accounts has the same dollar amount and the last account digits are the same so  it may be a duplicate so that doesnt make me happy. 
If the other bureaus can remove the hospital and the collection agencies mistakes on a completely paid account then transunion should too. Thank you.
Product: Credit reporting or other personal consumer reports

Account Number or other information to identify account : Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$4300.00} Balance last updated : XX/XX/year> Balance : {$4200.00} Balance last updated : XX/XX/year> Type of disputed information : public records information unknown credit account/tradeline inquiry Dates associated with item being disputed : XX/XX/year> Explanation of item being disputed : The report shows I owed money to the company that I have already repaid. This account was paid in full on XX/XX/scrub>XXXX  Dispute 2 Account Number or other information to identify account : Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$4200.00} Balance last updated : XX/XX/year> Source of dispute information : XXXX XXXX Type of disputed information : public records information unknown credit account/tradeline inquiry Dates associated with item being disputed : XX/XX/year> Explanation of item being disputed : The report shows I owed money to the company that I have already repaid. This account was paid in full on XX/XX/year>
Product: Student loan

For account  XXXX   XXXX   XXXX  I submitted timely all documentation to perform my annual recertification  for REPAYE , but FedLoan has refused  to process the paperwork. Instead they billed my closed bank account without my approval multiple times for over a  XXXX  dollars. I have lost at least  one  month of timely payment while working in the   XXXX   XXXX  , and they have confirmed that no one has even begun to work on my request nearly a month after submitting it. I reached out to the servicer multiple times, including their office of consumer advocacy, but they do nothing for me. Please help!
Product: Checking or savings account

I was banking with citi bank for over 17 years ... I recieved a settlement from the 9/11 compensation fund ... I gave them a copy of the award letter they also filed out the ach payment form, before I received the money ... they said I got the money thru fraud, which I didn't do, I have my award letter which I gave them..now they said I have to wait 90 days..I don't have no money or food to feed my daughter..what they doing is not right..I think I'm being XXXX profile
Product: Credit reporting or other personal consumer reports

XXXX has removed a debt collection agency from my account that I have been disputing for several months and it remains on XXXX and Equifax.
Product: Credit card or prepaid card

On XX/XX/2022 I received a fraud alert on my email ( attached email ) and by text stating that there is suspicious fraudulent activity on my account. Two were approved. One was denied. 

Credit card ending in XXXX We noticed suspicious activity on your credit card and need you to review some recent transactions. 
Date XX/XX/2022 Amount {$1000.00} XXXX XXXX - XXXX Status Declined Date XX/XX/2022 Amount {$1900.00} XXXX XXXX XXXX # XXXX Status Approved Date XX/XX/2022 Amount {$2800.00} XXXX XXXX XXXX # XXXX Status Approved I immediately called the number listed on the email stating that it is fraud and I haven't used the physical card for making any purchases in the last 2 years. The bank replaced the card with a new one and opened a fraud claim ( claim id XXXX ) for the approved charges. Subsequently on XX/XX/2022, the claim was stated as resolved and charges were posted back to my account asking me to pay. 

I have since repeatedly tried to contact the bank with no avail.