23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I took out a personal loan with XXXX  in XXXX of 2023 to pay some debts, I have always paid the loans payments timely, I was terminated from my employment and I was unable to collect unemployment where I was not able to pay timely, I HAVE ZERO SUPPORT FROM ANYONE, my family has disowned me due to my lifestyle as a XXXX male, I have no friends to SEVERE XXXX SEVERE XXXX, AND SEVERE XXXX due to 38 years of XXXX I was denied unemployment benefits multiple times due to an issue that I was not aware, I was also evicted from my place of residence along with the repossession of my vehicle in which I lived in upon my eviction, I have been living in shelters, living motels with vouchers, squatting in vacant properties and sometimes sleeping on the streets or in public places where I also wash up along with washing clothes. I have been trying to get on my feet since the job termination and eviction. However, with the late payments and other barriers on my credit reports I AM UNABLE TO GET HOUSING AND HOUSING ASSISTANCE here is ON A YEAR OR LONGER WAITLIST. Most of the shelters in XXXX XXXX are full and told me that I need help beyond their qualifications. By having this negative information removed IMMEDIATELY, it would help me get steady employment, housing, a vehicle and a normal life as I have been hospitalized for overdosing along with MULTIPLE XXXX XXXX, XXXX XXXX and an XXXX relationship with a XXXX  for XXXX  years who repeatedly pushed me down the steps, XXXX me, gave a couple XXXX due to him XXXX with someone else outside of our relationship, NO ONE WAS there to support me in anyway, I have been dealing with this alone and I can not achieve XXXX due to this issue or XXXX during XXXXXXXX XXXX I WILL SUE FOR {$34000.00} and an additional {$2500.00} for legal fees IF THIS REQUEST IS NOT MET!! I AM ALSO REQUESTING THAT THE LOAN BALANCE IS PAID IN FULL AND THIS ACCOUNT is REMOVED FROM ALL CREDIT REPORTS IMMEDIATELY!!
Product: Debt collection

I sent a professional letter on XX/XX/XXXX.The only response I've received from them was a sample letter, including the loan application and bill for payment. I've also called three times and left messages with no response. The only time I did talk to someone, they were extremely rude and still would not answer any of my questions. However, they are still negatively report on my report. Below is a copy of my letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, KS XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX To Whom It My Concern : I am writing today concerning derogatory reports on my credit report. According to my credit report ; one account in is the amount of {$2500.00}, and was opened on XX/XX/XXXX. The other is in the amount of {$980.00} and was opened on XX/XX/XXXX. The latter was five years ago! I am concerned with these reports for several reasons. First, there should be only one account for XXXX XXXX, opened in XX/XX/XXXX/XX/XX/XXXX. Why are there two accounts, four years apart? Second, the one account should have been written off as part of my bankruptcy back in XX/XX/XXXX. Therefore, there should be NO account from XXXX XXXX still on my credit report. Furthermore, when the other account was opened in XX/XX/XXXX, why was I never contacted? My phone number has not changed and my address has been forwarded. I could have cleared up this mater a year ago! These derogatory reports are preventing me from obtaining a first home owners loan, even though my credit score and other accounts are in good standing. I would like both these XXXX XXXX accounts to be removed from my report immediately! If you refuse to do so, I will be happy to inform present and future clients just how XXXX XXXX and Ad Astra Recovery Services regard their clients. Apparently, customer service is not important to you. If I need to file a report with the XXXX XXXX XXXX also, I will do so. Thank you for your time. I am looking forward to your response before XX/XX/XXXX. 


Sincerely, XXXX XXXX CC : XXXX XXXX Corporate Office
Product: Credit reporting

I attempted to access my annual free credit report from Experian, as guaranteed by the Federal Trade Commission. I submitted my information to access my report, and submitted credit card information, understanding it to be for identity verification purposes. I realized a few months later I had been charged for a monthly " membership '' to Experian, which I had absolutely no knowledge of purchasing and had zero interest in. I absolutely would have not purchased this if it had been labeled clearly. This was a complete bait-and-switch to sell a product buried into a free service guaranteed by the federal government. Upon calling to request a full refund, Experian provided one month 's refund but refused to refund the rest, implying that I must had indeed wanted to sign up for this useless product since I had n't cancelled it immediately ( despite not knowing I had signed up in the first place ).
Product: Money transfer, virtual currency, or money service

The processor PayPal has infringed in a violation of my user rights. PayPal has closed my account to steal the money I received from the company where I worked. 
According to PayPal, accounts are blocked for unauthorized transactions, disputes, or chargebacks. 

I have no disputes, I have no chargebacks and I have always used my account respecting the policies and use agreement that are established in PayPal. 
PayPal placed two limitations on the account, look at the evidence in the attached photos. 

The reason for the limitation was due to the withdrawals I made to my bank account. 
PayPal blocked withdrawal attempts to my bank account. 

After these attempts I block the account saying that I can not withdraw my money. 
PAYPAL STEALS MONEY BY PLACING LIMITATIONS ON THE ACCOUNT. 

PayPal asked me for my identity documents with photo, proof of address and other documents, however they closed the account permanently and did not let me withdraw the money I have. 

PayPal is closing account with an intelligent system or robot so that users can not withdraw their money. 

My account associated with PayPal is XXXX. 

I enclose all the evidence of how this company does everything possible to steal the money. 

My account never had associate with any fraud. 
they close without reason avoid that can you my money. 
I also have videos and recorded conversations. 
PayPal violated my user rights and my money was stolen.
Product: Student loan

I recently received a routine statement from my student loan servicing company, Navient. My payment has been ~ {$940.00} per month and I have been paying in full and on time via direct bank transfer for approximately the past 8.5 years on a 10 year loan repayment schedule. However, when I looked at my current statement -- which I needed to do online after receiving notification that it was available -- the amount due was listed as ~ {$75.00} for the next monthly statement. I called the company concerned regarding an error and was told that " we have reviewed all loans and changed them back to the original payment terms. '' I consolidated my Federal Stafford loans ( which all initially had 10 year repayment terms ) on XXXX XXXX, XXXX and at that time, the consolidated loan was on a standard 30 year repayment schedule. However, I immediately changed to a 10 year repayment schedule which was confirmed by my loan servicer at that time ( XXXX XXXX ) only days later on XXXX XXXX, XXXX. The 10 year repayment scheduled has been in effect since that time and was in effect well before I even began making payments in XXXX, XXXX following deferment. 

I am concerned that this change was done by Navient unilaterally and without notifying me. To date, I have received no notice from Navient that the terms of my loan were changed without my involvement nor permission. Further, this reeks of predatory practices and I am concerned that this company initiated this practice only to ensure collection of more interest from lendees who might not attend closely to their statements. 

These loans originated from the time that I attended the University XXXX XXXX and XXXX XXXX NJ : XXXX XXXX XXXX XXXX XXXX ( now XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I sent a letter on XXXX XXXX XXXX XXXX XXXX to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Product: Credit reporting or other personal consumer reports

Lexuis nexius has violated my rights furnishing information i never gave them consent to publish public records 15 U.S. code 1682 ( a ) Any transaction between you and the creditors are required to be excluded from your credit report.

15 U.S. Code 1681 ( s ) -2 subsection 1f This law states any payment during covid 19 are required to be deferred or forgiven.

15 U.S. code 1681 ( 4 ) This law states you have a right to privacy.

If you consider your late payment to be private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact THD/CBNA on many occasions and have went as far as to write a letter on behalf of myself. I have a an inquiry on my account that was not from my behalf and have requested more information and have yet to be provided with it. I did not inquire with Home Depot for a credit card. I am a victim of fraud as to why I have reported so on my account. I would like the following inquiry to be removed as I did not put in a request. I have an unknown female using my social security number to work and apply for cards. I would like to freeze my account to prevent unlawful activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a copy of my credit report with all 3 credit bureaus side by side to show proof of the inaccuracies and incomplete information that is being reported. Experian sent an immediate response back saying XXXX XXXX came back as a verified. XXXX XXXX is a inaccurate and incomplete account on my Experian and XX/XX/XXXX credit report. They are reporting 2 different payment statuses and comments. XX/XX/XXXXis reporting a charge off and Experian is reporting discharged debt in 3 different kinds of bankruptcies. Experian and XX/XX/XXXX both are reporting incomplete and inaccurate account numbers. No balance, past due and no financial information. They are reporting different dates the account was opened. I have submitted several disputes and the account keeps coming back verified. This account has previously been removed by XX/XX/XXXX This is a direct violation of my rights as a consumer. I have enclosed a copy of all credit reports side by side to view the inaccurate information.
Product: Credit card

on XXXX i XXXX XXXX XXXX  applied for a CITIBANK XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX id number XXXX I was denied XX/XX/2023 and sent an affidavit on XX/XX/2023 with return receipt requested mail, demanding my credit decision be overturned due to my application being monetized, and the securities from of my application being deposited into their institution. Because they denied me access to my credit that was created with my application as a promise to pay. My application became my negotiable instrument which became my collateral and was deposited per 12 USC 1141 ( g ) ( 2 ) They are are violating the Equal Credit Opportunity Act and Securities Fraud Act under 18USC 1348, The law clearly states that all applications that are not returned must be approved. 15 USC 1691 ( a ) clearly states " it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction scation. Failure to comply is defined as adverse action against a consumer, which is illegal. '' I did also send an email and fax, i have not received anything back that stated they were going to approve it, i did send out another affidavit to get my credit card issued to me or i will be filing a lawsuit.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureaus consumer report and I noticed inaccurate information posted on my consumer report : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$930.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

In XXXX of 2021, I paid off a collection owed to XXXX XXXX XXXX. The only service I used with XXXX XXXX XXXX was internet. Nothing else. I received a letter from the collection agency ( XXXX  ) as proof the debt had been paid. Over the course of the past year, a collection agency called Credence has repeatedly reported a sum of {XXXX} as due to XXXX XXXX XXXX on all three credit bureaus. This has happened at least 5 times. Each time, I dispute with each bureau and each time the bureaus have removed the collection from my credit report. Last month, this company reported this false amount due to my XXXX report and this time, it was not removed. I have attached the letter from XXXX ( the original collection agency ) as proof that payment was made to XXXX XXXX XXXX. I would like this company to stop harassing me by reporting false information to my credit reports. This debt has been paid in full and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. ( I did not give my permission ) 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 or any other adverse items of information, other than records of convictions of crimes, which antedate 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2024, Advanced Resolution Services , INC received a letter from me requesting my consumer report. I sent a copy of my license, social security card, and XXXX XXXX XXXX XXXX bank statement. On XXXX XXXX, 2024, I called Advanced Resolution Services , INC and spoke to XXXX and XXXX who told me I needed to put I don't have a utility bill in my letter in order to receive my consumer report. I informed I did not have a utility bill. My utilities are included. XXXX and XXXX told me I had to say that in my letter. I told them it doesn't say that on their website or on the document that was sent by them. 
I emailed the company and just got a message reiterating a utility bill needs to be sent and need to be mentioned.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681 section 602 A states I have the right to privacy.

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

15 USC 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 USC 1861s ( 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.

15 USC 6802- I did not receive the required opt-out notice at the time this acct was created and being reported.
Product: Debt collection

PHOENIX FINANCIAL SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX has been sending me collection notices in the amount of {$1400.00} the collection has been reported past due balance. I do not know this company and I have Never done any business with this company. This company does not have a contract with my signature on it!
Product: Credit reporting or other personal consumer reports

XXXX has a hard inquiry dated XX/XX/22 reporting to consumer reporting agencies. No disclosures were provided for this hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # : 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
Product: Credit reporting or other personal consumer reports

There is a XXXX XXXX Bankruptcy Showing on My Consumer Report, I've dispute this information with all three Credit Bureaus along with addresses that are not mine this information is causing great harm I'm listing the addresses below and the XXXX XXXXXXXX Bankruptcy Reference Number. 


1. XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # XXXX
Product: Debt collection

When I moved since I 'm XXXX and could n't take care of myself XXXX got it to where I could move out early I lost my pay and would n't be able to pay then after I move a year later they change mind and want all this money
Product: Student loan

It started in XXXX, with Sallie Mae, when I was attending school & had to defer due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My co-signer & I were unable to afford my payments at this time & they would not work with us to help us find a repayment plan that would be feasible at this time. We opted to use the 6 month forbearance period. Fast forward to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX. Sallie Mae immediately started repayments 2 weeks after graduation. When I asked why this was, as most loan providers allow you to have 6 months before repayments start, they stated that I had already used that period when I needed to defer from college the first time, so I needed to start paying. I explained to them that this was not feasible as I had not even taken my XXXX  yet & did not begin working. They basically said that I needed to find a way to pay them & if not, too bad. At this time, I chose to do a 6 month period of just paying the interest rate for my loans which varied between XXXX  XXXX {$490.00} as the interest rates are around 12 %. The payments after those 6 months increased to about XXXX XXXXXXXX {$550.00} which was somewhat affordable due to me working at this time. Now, the payment due for XX/XX/XXXX, has jumped to {$730.00} as the interest rate of my loan was raised to 14 %. When my co-signer & I spoke to the company when we chose to just do the interest rate payments for a few months, they stated that the interest rate would continue to go down as I made on time payments ( which have all been on time in the last 5 months ) but this has proved to be untrue. 14 % as an interest rate is absolutely absurd & something that I am unable to afford & the company will not work with me with. Unfortunately, most places will not allow you to refinance for at least a year after making on time payments, & I will never be capable of paying these loans off regardless of paying extra monthly.
Product: Credit reporting or other personal consumer reports

THIRD PARTY- XXXX XXXX XXXX XXXX EQUIFAX , ORIGINAL CREDITOR- XXXX XXXX XXXX XXXX is breaking the consumer law pertaining to : XXXX XXXX XXXX XXXX XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. SSN : XXXX CARD HOLDER!
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed numerous complaints and disputes with XXXX  and transunion  also XXXX  and showed proof of inaccurate reporting on my credit with no results will attach all info
Product: Mortgage

Due to covid I lost my job and went into forbearance program with flagstar bank my mortgage bank, after I start working again I applied and was approved for streamline loan, I paid XXXX months what's called trial, after XXXX months I got the paperwork to fill out sign and noterize, did it all send it in took a picture from the tracking number, called them and a representative confirmed with me that they got the documents on XX/XX/2002, after a while I still got emails and calls about the documents, I called back and start getting the run around somebody will call me blah blah blah .... The only calls I got was harassment about when I can start paying the mortgage ( old balance ) and every time I told them I sent in the papers and I'm waiting the account to be updated, I called back after a week and they said well they don't know what happend with the documents they going to send a mobile notarization, she came down filled out the papers again, she provided me with a tracking number and after a few days I checked with the bank after transferring me XXXX times they confirmed that yes they received it on XX/XX/XXXX, and of that week I received a latter that my loss mitigation file has been closed because they haven't received the necessary documents to complete the modification, called them being on hold for hours nobody is available to speak to me, they can have someone call me back, which we know from experience that it doesn't happen, and that's where I'm right now.