23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Had difficulty contacting student loan grantor to submit forbearance/deferment request and representative at my college institution was not properly assisting me in getting the forbearance/deferment request submitted. I initially tried to contact school and loan grantor to set up arrangement in XXXX  and did not manage to get forbearance/deferment completed, accepted Due to this the loan grantor reported on my credit that i was delinquent on each student loan debt as the full amount is currently broken up into parts on my credit report. The forbearance/deferment request was accepted and on my credit is says that i was late to make the payments however this was not due to my own negligence but rather was due to the loan grantor and school not assisting me in a timely manner to get the request processed. The amounts are XXXX and XXXX.per FCRA I should not be responsible for this loan. due to inaccurate information and a 3 party reporting to credit reports.
Product: Credit reporting or other personal consumer reports

Report Number : XXXX Date Ready : XX/XX/XXXX Source : XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX NAVY FEDERAL CR UNION ACCOUNT # XXXX NAVY FEDERAL CR UNION ACCOUNT # XXXX These accounts are Chargeoffs, they have no scheduled due dates. Why are they being reported late every month? I demand that these accounts be deleted from my account Also These Organizations have CHARGED OFF these accounts. 
WHERE ARE MY 1099s RELATED TO THESE CHARGE OFFS?
Product: Debt collection

XXXX XXXX XXXX  in XXXX MT on XX/XX/18 contacted my boss directly in XXXX OR and revealed that they were a collection agency. The person who contacted my boss was rude during the conversation
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX, NYXXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX, NYXXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$5300.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$820.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX ( XXXX XXXX : XXXX ) XXXX Balance Owed : {$280.00} ; XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance Owed : {$780.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$390.00} 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

My initial complaint was filed against XXXX XXXX and Equifax for not updating my report to include recent payoff accounts and for adding an account that was part of bankruptcy several years ago. The information has not been investigated and I'm told my dispute was closed, yet this agency is reporting that they are working on the issue. Instead of handling my dispute I was sent letters requesting me to verify my identity as a method to stall or dismiss my process in retaliation for my filing a complaint with you. There isn't any need for me to verify my identity when it's already been verified through postal services change of address. And my information hasn't had to be verified because all of my information is current. I want someone to please look into sly tactics to ignore my dispute and keep wrong information on my report.
Product: Student loan

Navient sent false information on XX/XX/XXXX, regarding a notice to re-certify ( XXXX  ) plan. In which they stated that a payment is due next month by XX/XX/XXXX. However, the email was a reminder notice to re-certify the ( XXXX ) plan by the end of the month. The federal student loan forgiveness program under Biden 's plan has made it clear that a payment pause has been suspended ( from XX/XX/XXXX, through XXXX XXXX, XXXX ). The federal payment pause is officially scheduled to end and will resume on XX/XX/XXXX. 

XX/XX/XXXX student loan servicers should begin reaching out to borrowers with remaining loan balances to remind them that their payments will be restarting in XXXX. 

Navient practices are predatory and are not compliant under Biden administrations program. I'm asking for Navient to cease all predatory practices and comply with the deadlines. Because of this violation I'm asking for an extension on the ( XXXX ) plan.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account ( XXXX ) for my online business as an Online freelancing I paid through PayPal I make video and photo editing since XX/XX/2022. I am hoping that i will get back my account. Thank you and Godbless For identity verification, I attached my Valid ID. Please see attachment.
Product: Credit card or prepaid card

I was checking my credit score and it the dark web has my social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 4 letters regarding my credit report to each bureau and to the collector themselves. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile prior and noticed a collections accounts ( XXXX XXXX  AND XXXX. XXXX XXXX XXXX ) show up on my report. I've called them several times to dispute the wrong information being reported and I either get disconnected or the run around to figure out how this account is on my report. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been about 3 1/2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed because I am not liable for this debt nor do I owe anything on these accounts I've never had a contract with. The false information on my report is unfair. Please help me figure this out, I'm out of options and frustrated that its been almost 4 months now. These letters feel useless at this point and I've been spending extra money to have my letters overnight to each credit bureau and the collections agencies themselves. I understand that bureaus and collections agencies can make mistakes but it is very frustrating. I went as far as taking pictures of receipts and letters because they keep saying they haven't received anything. Please help me
Product: Debt collection

I got a letter from a lawyer wanting to represent me in lawsuit that was filed against me by portfolio recovery inc. This was the first I have heard of this. I did find I was in the system as having been sued by them but nothing from Portfoilio recovery. Looking into it the are suing me based on when they bought this credit dept. I dont even remember this bank, synchronies bank. I have worked really hard the last 7 yrs to clear up my credit so I know this is way over the time limitation in Texas, which is 4 years. I found the lawsuit was filed XX/XX/23 and paid the court by the lawyer on XX/XX/23. Im to be served in person but as I said I have heard nothing from them by phone, letter or in person. 
They say I owe {$7700.00}.
Product: Credit reporting or other personal consumer reports

I AM A PART OF THE DATA BREACH AND MY INFORMATION WAS IMPROPERLY USED WHICH LED TO UNAUTHORIZED ACCOUNTS AND INQUIRIES. 




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 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: Vehicle loan or lease

Consumer Portfolio Services continues to inaccurately report my account with them to XXXX and XXXX. This account was included in a bankruptcy filing, and I was granted a XXXX  XXXX Discharge on XX/XX/2024. I have spoken to XXXX in their trade line reporting department on many occasions trying to correct this inaccurate reporting, but I have failed each time. The creditor has been provided the court documents. The creditor acknowledged receipt of the court 's decision and documents. However, they have continued to report this account inaccurately on my credit report and it has caused me harm financially because I have been denied new credit based on their reporting. My account with them is currently being reported as having a past due balance of {$13000.00}.
Product: Debt collection

the collection agency of XXXX, XXXX, XXXX and XXXX keep calling my phone number for another person. I tried calling the company back to tell them they have the wrong number but I got an automated system. The only option was to make payment which I am not going to do. 
Today 's call was at XXXX XXXX  on XX/XX/20
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft. This is not my account
Product: Credit reporting or other personal consumer reports

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Credit card or prepaid card

Citbank credit card application filed in my name that I did not apply for. I was noticed XXXX, XXXX  by Citibank, then received an application denial XX/XX/2022. There was a hard inquiry to XXXX filed based on the application on XX/XX/2022. XXXX was notified of this XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam:I recently obtained a copy of my credit report from all the 3 credit bureaus and found the following item to be in error:XXXX Account number: XXXXCredit Card Issuer:XXXX XXXX XXXXXXXX, DE XXXXThis account was never late and account was closed and settled and has been paid in full. XXXX never sent any statements or notification letter in mail to my address but reporting inaccurate information's to the credit bureaus. Had been calling XXXX multiple times and mailed multiple letters to correct the error and they continue to fail to comply and remove the inaccurate information's. I am requesting that the item be updated to correct the information.Please investigate this matter and correct the disputed item as soon as possible.Sincerely,XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Acct : XXXX XXXX XXXX violated my rights 15 usc 602 section ( A ) I have the right to privacy 15 usc 604 section ( A ) it also states that no consumer reporting agencies can not furnish an account without the permission or the written instructions of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES ON MY ACCOUNT. 
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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, Account number XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Original crediXXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$760.00} Credit limit {$0.00} Account type Collection Revolving No Open Yes Authorized user No XXXX XXXX XXXX {$340.00} Original creditor XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$330.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No Original creditor XXXX  XXXX XXXX {$130.00} Account number XXXX Date opened XXXX XXXX Balance {$130.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No Original creditor XXXX {$23.00} Account number XXXX Date opened XX/XX/XXXX Balance {$23.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No XXXX XXXX {$5400.00} Original creditor Account number XXXX Date opened XX/XX/XXXX Balance {$5400.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No XXXX XXXX XXXX XXXX240.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$240.00} Credit limit {$0.00} Account type Collection Revolving No Open Yes Authorized user No
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has sold my account to XXXX XXXX XXXX ( XXXX ) for collections. I have disputed this account with all credit bureaus. This account was paid in full through my XXXX XXXX  account on XX/XX/2018 before account was even sold to XXXX. I have mailed proof of bank statement certified mail to all credit reporting agencies XXXX XXXX, and XXXX  as well as XXXX. Please assist me in seeing that this issue is resolved and account is removed from my credit file.
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against RECEIVABLE PERFORMANCE MGMT for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
Product: Credit card

I've always made sure that payments on this account are made promptly, never allowing them to become overdue. However, I'm uncertain about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, this should be rectified.
Product: Debt collection

I co-signed a lease for my son for the XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX. He was evicted and I was later called repeatedly and notified in a letter from National Credit Systems , Inc XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX that a balance of {$11000.00} was owed. The XXXX XXXX never notified me of any owed rent. I also checked their website and it never showed anything about rent being past due. I mailed National Credit Systems, Inc a letter asking to please itemize specifically what is owed. I have yet to receive a response.
Product: Debt collection

They have called my place of business and called numerous numbers I received over  XXXX  messages from co workers that they called their personal number trying to reach me and my co workers told me they were a debt collection company. Any company I have dealt with on a business level has my personal number and mailing address so they have no need to call me at work. I am not allowed to have personal calls at work. I can loose my job from having debt collections calls AND it 's definitely a bad idea for them to just call random numbers at my job!
Product: Checking or savings account

I have tried multiple times the past year to close my account with US bank. I originally created an account so that our mortgage rates through them would be cheaper. This was back in XX/XX/2017. I was told that after this, and all our closing funds were in the account and closing and the closing was completed ( in XX/XX/2017 ) that I could close the account. 
Immediately after the closing, I had {$100.00} in my account. I was told to wait for the notice that the closing was completed and I could close the account. In XX/XX/2017, I received a bill because I had less than {$10000.00} in my account. I called and was told they would cut the fee back and I could close the account. The next month, XX/XX/XXXX, I receive another bill. I called and complained and so on and so forth every month ever since. 
I had gone in the close the account in XX/XX/2017. The bank refused to close the account because they had continued to bill me and I was told Id have to pay {$120.00} in their fees to have the account closed. This was not a fee for closing the account, but because I had been under {$10000.00} since after our XX/XX/XXXX closing in the account. 
Theyve taken {$100.00} that was left in the account and have been trying to add to the bill every month. 
This month, today, I sent a letter informing them, as I have over the phone in XX/XX/2017, that I was CLOSING THE ACCOUNT. I refuse to pay this bill as I was never notified about being charged for my account being less than {$10000.00} initially when the account was opened. 
Ive called and spoken with the managers of branches and all in between. 
I will not pay them a dime. They have {$100.00} of my money and keep trying to charge me more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax incorrectly reported that the "Current Status" of our XXXX XXXX account was "120+ DAYS PAST DUE" despite being told by us and XXXX XXXX  that it was "Paid and Closed."  This incorrect reporting that went on uncorrected for years caused irreparable harm, including being denied loans and being required to pay higher interest rates for loans and credit that was approved.  Equifax has refused to respond to our XX/XX/XXXX 2017 letter seeking a settlement.  Prior to filing suit, we are reporting this to the CFPB in hopes that your agency may assist with getting a response and settlement.
Product: Debt collection

I got a letter stating that I have a court date for a judgement from a debt collector Metro Portfolio Inc. who is suing me for a very old debt from a credit card XXXX XXXX XXXX is the original creditor I had when I was in my early XXXX. I am know XXXX XXXX XXXX, so I filled the paperwork saying that the debt was old. We went court on XXXX XXXX and know they are still trying to recover the debt I know there is a statue of limitations on debt collection. Also I always check my credit report and there is nothing on my report about a judgement or any collections account on my credit report
Product: Credit card or prepaid card

I am a Citi XXXX card holder. My account info was stolen by some scammer. Fraudulent charges first appeared on XX/XX/2023. I called both the general customer service and the fraud department right away. They couldn't verify my information over the phone and said a letter would be mailed to my address. They told me that there's a temporary hold put on my account so no one would have access to it. On XX/XX/XXXX, XXXX more fraudulent charge appeared. I called again. Same sayings. On XX/XX/XXXX, I used my physical card at a coffee shop to test. It went through, so my card is not put on hold as they said. I called again. Same sayings all the time. Now there's XXXX more fraudulent charge on my account. I can wait for the letter, but during this time period how can the scammer can keep my account? The reps told me several time that it's blocked but in fact it's not! NOT AT ALL! Some transactions can still go through. This is outrageous! I need an explanation NOW. I don't understand how can Citi puts its customer under such a devastating situation.
Product: Mortgage

When I purchased my home XX/XX/XXXX, after settlement I was informed the home had 2 HOA 's instead of the one we agreed to in settlement. Thereafter it was always a struggle to pay both. In XX/XX/XXXX I lost my job, I was still paying the mortgage using my retirement savings. I reached out to Ocuwen, my loan servicer since my mortgage company went bankrupt, for help. They told me there was no way they could help unless I stopped paying the mortgage. Since in XX/XX/XXXX, I was almost out of retirement funds, I followed their advice. I went through the process of filing a modification to the loan three times. On the third time, in XX/XX/XXXX, I decided to list the home for sale since I wasn't sure what the outcome would be and it was schedule for auction XX/XX/XXXX. My realtor found a buyer for $ XXXX, I owed $ XXXX. The buyer was scheduled to settled XX/XX/XXXX. Ocuwen refused to accept the buyer and put the foreclosure on hold. The home went through the auction, I never heard anything else from Ocuwen. In XX/XX/XXXX I received a XXXX for $ XXXX debt write off. What are my writes because I do not feel like any of this was handled properly. I feel like Ocuwen set me up to take my home.
Product: Credit reporting or other personal consumer reports

1. 
XX/XX/XXXX, XXXX Credit Karma- emailed " Change of Email Address Notification from Credit Karma ''. 
XX/XX/XXXX, XXXX I responded in an email that I did not authorize this change. 
XX/XX/XXXX, XXXX I received an email response from Credit Karma Member Support ; Case # XXXX [ ref :! XXXX.! XXXX : ref ] stating they received my email and stated they will " suspend the account '' if I do not recognize the email that was changed. 
XX/XX/XXXX, XXXX I responded to this email stating '' That is not an email I authorized for use or have knowledge of etc.. ''. I have not heard anything back from this company. 

2. XX/XX/XXXX, XXXX I received 2 notifications from my banking institution that I had a " New Inquiry '' from XXXX  XXXX XXXX  . 
XX/XX/XXXX, XXXX I contacted this company and spoke with XXXX- she stated that there was no inquiry she could see on her end nor is there an account associated with my name and information I provided her. She advised me to send a letter stating that an inquiry is being reported on my credit report and to send it to : Correspondence Customer Service XXXX XXXX XXXX XXXX XXXX, NV XXXX 3. XX/XX/XXXX, XXXX- I called XXXX and XXXX advised me to report this fraudulent activity to the FTC . I am in the process of contacting XXXX XXXX XXXX.
Product: Debt collection

Amsher Collection Services place a collection on my credit reports that don't belong to me and hurt my credit report badly