23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I never heard of this company or their client until the debt showed up on credit report as a debt in collections. I disputed it with XXXX. Response was I owed this debt. That's it. Did not receive any proof or verification. 
I called the debt collection company several times, only went to voicemail and I never received a call back. 
I wrote a letter in XX/XX/2023 via XXXX. No reply. 
I sent a second letter via certified mail, no reply.
Product: Credit reporting or other personal consumer reports

THERE ISN'T ENOUGH SECURITY IN PLACE TO PROTECT MY CREDIT PROFILE FROM FRAUD AND IDENTITY THEFT! MY IDENTITY THIEF HAS ENOUGH INFORMATION TO REMOVE MY CREDIT FREEZES AND FRAUD ALERTS. I REQUESTED AN EXTENDED FRAUD ALERT BY MAIL AND THE THIEF CAN REMOVE IT WHENEVER THEY WANT!!! THEY CAN CALL IN ON THE PHONE AND REMOVE MY FREEZES. EXPERIAN, XXXX, AND XXXX DO NOT HAVE PROTECTIONS IN PLACE TO PREVENT THIS!!
Product: Student loan

I attended XXXX XXXX XXXX in XXXX, OH from XX/XX/XXXX-XX/XX/XXXX. I had multiple issues finding a job as many others have. When I graduated in XX/XX/XXXX I owed {$41000.00} in loans. At this writing I owe {$39000.00}. It is astounding that in 8 years, I have only reduced my loans by {$2000.00}. The private loans, according to multiple discussions with XXXX XXXX then later Navient, are not eligible for deferment. You can get a forbearance on these loans but you have to pay {$50.00} per loan. And to be quite honest, I am not even sure I signed up for these type of loans. They were not explained to me at all and when I had questions about what I was signing, the financial aid advisor rushed me through the process. I paid {$160.00} a month for five years on my private loans on a graduated repayment plan. I have been paying $ XXXX monthly on my private loans since XX/XX/XXXX and {$130.00} on my federal loans when I could no longer defer them. I want it noted that I have never once went into default with these loans. I want it observed that the total payments I have made on my private loans alone, over an 8 year period and in the evidence I have submitted, is {$15000.00}. How have I paid almost {$16000.00} over 8 years? 
XXXX uses deceptive recruitment practices to lure students into enrolling to receive their federal financial aid. These students receive none of the valuable career skills for which they enrolled in the program and they leave with enormous amounts of debt. Subsequently, they ca n't find a job, they default on their loans, and taxpayers ' dollars are wasted in the process, all while these companies continue to profit off of student loan debt and federal financial aid. Only by my wife and I working together, and the grace of a higher power, we are not in the situation many people we talk to are in. I can not go to a regular school and get an actual valid degree because I simply can not afford to. This whole experience has left a devastating impact on me and I am afraid for my own child to go to college. 
I will not dispute that I owe the government money. I did go to school for two years. But I do believe I was deceived about the type of loans I had and the promise of the career path I chose. It was all lies and I have paid a heavy price for these lies. Again, over 8 years I have paid almost {$16000.00} for my mistake, more if you would like to count my federal loans. 
XXXX built an empire on broken promises and shattered dreams. And they used federal monies to do it. I feel I have more than paid for my degree and am requesting discharge of both my private and federal student loans.
Product: Checking or savings account

I spoke with Capital One on XX/XX/23. I was advised that my account was being closed due to a returned check. My payroll was deposited the same day. They froze withdraws and send the money would be sent via check. This never happened. To date I have spoke with them 6 times, emailed 3 times and chatted on XXXX. Nobody has returned my money. The balance is {$910.00}. 

The number the account says to call is voicemail. I've left 3 messages and my money is still not to me.
Product: Payday loan, title loan, or personal loan

Soo this review is on XX/XX/2019, not only have I tried on multiple occasions to get a loan even for the lowest amount and I was told that I wouldnt be able to pay it back because I didnt have enough income. Even with the proof that I received not only more than the loan I was requesting, but even the interest. Then they said it was my payment history, clear as day I have auto pay for the simple things and as far as rent I took pictures of my receipts but yet I got denied. Ive tried to get the help from capital good fund at least 4 different times in the course of 2 years and every time no luck. Ive even suggested a couple of friends who came across hard times and yet no luck and they definitely have had the income and pay history to qualify but they also have gotten denied. But yet we question who do they REALLY help? Possibly their own kind. Where do the funds go if they arent truly helping people?
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my credit report and realize I was victim of identity theft and seen inquiries that I didn't authorize. Please see below Transunion is reporting an authorize inquiry : XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX 2017 opened account with, XXXX XXXX XXXX XXXX. they started running hard inquiries they did three in one a month, two on same day XXXX XXXX 2017 and shared my information with suntrust bank that ran a hard inquiry with out my permission contacted XXXX XXXX to get them to stop.had to close account with them to get it to stop now I have 4 hard inquiries on my credit report and my score has been lowered need this removed.
Product: Debt collection

The original debt was {$530.00} from XXXX XXXX. I do not remember the original date but it was over 7 years ago. In XXXX or XXXX of 2020, I noticed It was removed from my XXXX  credit report. Now it's back on my XXXX  credit report from a debt buyer, National Credit Adjusters with a different open date of XX/XX/2020 and their collection date opened on XX/XX/2020. I also did not receive any collection notices.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. OnXX/XX/2020. I had sent money to a lady named XXXX XXXX on PayPal account ( XXXX ) The first amount was {$1000.00} and the second one same day was {$100.00}. Altogether it was the amount to {$1100.00} Her partner XXXX XXXX advertised for an apartment for rent XXXX XXXX XXXX  XXXX AK for {$500.00} security Deposit and {$850.00} for rent. Altogether {$1300.00} and I was {$250.00} short and they said I can pay when I go to XXXX. 
The number they gave me was XXXX for XXXX and my bf and I would text him since then and even before payment since ending of XXXX to XX/XX/2020 when I received last text. He was the person who gave me her info to send the money. His email address that they created for me to contact them on emails were ( XXXX and XXXX ) On XX/XX/2020 in the morning when I woke up. I texted and asked them to meet my bf to go see the place and get the keys. He never replied. I emailed both emails and no reply. I tried to call and no answer. I told them if they dont reply that I would call XXXX and file a scam report. My bf wasnt happy because he figured they were scamming us for fraud! When I tried to call again. The phone number was disconnected and the emails didnt work anymore. 
I told my bf and he tried to fill out a report with XXXX XXXX Police Department but it was under my name. I then went to PayPal and filed a dispute on both transactions and told them that it was a scam and they stole my money! I wanted my money back because it wasnt right! Those people scammed us and fraud us for money and used a place that wasnt theirs! Later that day in the afternoon I got an email back for both transactions and said that they denied and denying my case for my refund because this transaction was unauthorized. 
This was a total scam! Its not right for PayPal to hold back my full refund and let these scammers win! I filed a police report online and idk what they will do to the people if they ever catch them! I put the stuff on fb to warn other people. I filed another complaint with the Feds in XXXX. Now I am coming to this place for help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX  days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been XXXX  days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be XXXX % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Product: Mortgage

Select Portfolio Servicing, Inc. is my lender. I knew I was behind on my mortgage and I have reached out to their loss mitigation department several times. Each time I called I get sent to a general voicemail and no one has returned my calls. I did receive XXXX call back on XX/XX/XXXX, @ XXXX from XXXX I returned the call, and I had to leave a voice mail, and no calls since. I was notified by my XXXX XXXX that the house was in foreclosure. I would to keep my home but at this time to not want to refinance. Seems like SPS would be interested in keeping people in their homes. XXXX Statement just arrived with an outstanding balance of {$19000.00}. I have also been working with XXXX. I received an email back in XXXX stating they were working with SPS and not sure what happened with that. My XXXX statement shows my account has been referred to an attorney for legal action. Also, back in XXXX & XXXX, SPS raised my house payment XXXX and some dollars to {$1900.00} and so dollars when they knew I have had problems paying the {$1200.00}. I would also like to know where the extra money went that I was paying.
Product: Debt collection

GATESTONE CO & INC has sent me a debt collection letter in attempt to collect a alleged debt stating they are financial partners with XXXX XXXX. Notice it is a fact GATESTONES CO is a debt collector and falls under FDCPA. Notice it is a fact XXXX XXXX has charged off the alleged debt and has sold it to GATESTONE CO. GATESTONE CO has violated me on multiple occasions under the FDCPA and are liable for damages under 15 USC 1692k-15 USC 1611 and 15 USC 1640. I have tried to settle the matter IN GOOD FAITH and GATESTONE CO has ignored me and tell me they do not fall under the FDCPA and that they are not a debt collector which is false and misleading. I have DEMANDED validation of debt under 15 USC 1692g and GATESTONE CO has failed to validate accordingly and state they do not have to validate according to Federal Law. I am tired of dealing with this debt collector and they have caused me damages in the form of mental stress and physical tiredness. I have been lacking sleep and not eating well because of the misconduct and failure to respond to me accordingly by GATESTONE CO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying them XXXX a month for two years. In that time several items that are on my report would go off then only to return after time back onto the report. Last month a new unrecognized creditor placed a collection on my report so they began the validation process and only to have them completly droped the ball on the solution when this particular creditor summoned me to court. They claimed they could do nothing and I would need to hire a lawyer. They did nothing.

They also give no real advice or solutions for credit repair. My score on XXXX is lower now than two years ago when I began with them. What is their service for if it isnt a permanent solution. I even followed directions and opened a few new credit lines as guided by the-different reporting agencies to boosts my score and only to have a debt collector threaten me and follow me and place a debt I knew nothing about on my report. I now know its from an old credit card. Why would they advertise that they can get things removed from your report if they only come right back on shortly thereafter and they refuse to do anything as they know there is nothing they can do in the first place. Its only a band aide. Why not tell the truth in beginning and I wouldnt have spent all that money for two years for nothing really.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week, XXXX XXXX, I found out about the hacking of Equifax. There was a site given to check and see if my information was included. I went to that site and it said my information was most likely included. 
What I find most egregious is that it took a month for Equifax to share this information ; that there was a stock selling 3 days ( I think ) before the release of this information and that they are offering free credit protection service but in fine print on the agreement page there is a caveat listed that states the signer/client will not be allowed to sue Equifax in case of identity theft. The selling of the stock appears to be very fishy. Now what are we supposed to do???
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 

XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not believe that my XXXX Credit Card ending in XXXX has ever been late. I question the accuracy of the " late payment '' that has been reported to all three bureaus. Per XXXX XXXX, the late payment posted on XX/XX/XXXX, dropping my score 38 points from XXXX to XXXX, only to disappear the very next day on XX/XX/XXXX, in which my score per XXXX XXXX rose from XXXX back up to XXXX. On XX/XX/XXXX, the late payment reappeared, dropping my score from XXXX to XXXX. Since then, I have attempted to apply for credit and have been negatively affected by this supposed " late payment '' that has appeared, disappeared, and then reappeared. Something is definitely wrong with this account as it has been reported, it has had a negative effect on my ability to get credit from reputable financial institutions, and I request that the account history from all three bureaus be updated to reflect " paid as agreed '' on this account. Please see all my other accounts as a reference to my positive credit behavior, and please help me resolve this potentially invalid information so that my payment history can be accurately and positively reflected.
Product: Credit reporting, credit repair services, or other personal consumer reports

usc 1681 section 602 states I have the right to privacy usc 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction us code s 1681a definitions rules of construction exclusions : except as provided in paragraph the term consumer report does not include any report containing information solely as to transaction or experience between the consumer and the person making the report usc 1666b - a creditor may not treat a payment on a credit card account under an open-end consumer credit card account as late for the purpose XXXX credit card, New Rez Shellpoint late fees
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Consumer Financial Protection Bureau Consumer Response Center XXXXXXXX XXXX XXXX, XXXX Washington , DC XXXX To Whom It May Concern : I am writing to request the removal of any and all inaccurate personal information from my experian credit report. I have done research on Section 15 - 611 of the Fair Credit Reporting Act ( FCRA ), and I believe that the information is inaccurate and should be removed. 

The specific information that I am disputing is the following : Any address other than XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. 
I have never lived at any other address, and I believe that this information is incorrect. I have attached a copy of my lease agreement as proof of my current address. 

I am requesting that you investigate this matter and remove the inaccurate information from my credit report. I am entitled to do this under Section 15 - 611 of the FCRA. 

I would appreciate it if you could investigate this matter and remove the inaccurate information from my credit report within 30 days. If I do not hear from you within 30 days, I will file a complaint with the Federal Trade Commission ( FTC ). 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a TD Bank customer from last 2 year and holding cash back credit card with TD. I have paid all my credit card bills fairly on time without a single fail, making good salary deposit every month and maintaining a good checkin account balance with TD. In last few months I applied for few credit card and all got rejected. While checking with TD bank, they mentioned my credit card number for Bank account and Credit card account was linked with wrong SSN and they corrected it immediately few weeks back. While checking for my credit report through XXXX XXXX or XXXX  it doesnt show my credit report. I am quiet frustrated with TD at first place how come a financial bank make mistake in putting wrong SSN number and is bank not liable to make SSN verification for any new bank or credit card account. It is screwy my credit history and not able to get any new credit card or get loan.
Product: Credit card or prepaid card

Amazon.com uses Synchrony to manage its store credit card. Amazon offers its customers interest-free payments for purchases. However, when customers go in to pay their monthly credit card online, there is no disclosure by Synchrony listing the amount due to avoid interest charges. It only lists the minimum due and the total due. Also, on Synchrony 's hard copy account statements the amount due to avoid interest charges is not listed.
Product: Student loan

I made an agreement to Autopay an overdue loan back in XX/XX/XXXX. I have the agreements and payment dates in text form, " e-signed ''. 
I then continued to pay the agreed amounts each month, some months paying double because of not remembering the autopay would come out. 

Despite the fact that Navient said that these payments would be applied to both loans ( one larger loan and one smaller loan ) these payments were only applied to the smaller loan, and the larger loan went into default, which I did not know, because I knew I was making my payments on time and there was no update to the website to reflect that these autopayments were coming out. I called about this at least once and they said they didn't need to be reflected on the website because I had made the agreement over the phone. 

I continued to make these payments, again sometimes double, and the larger loan said no payment due for months... I still made the autopayments, assuming that, as agreed " to make payments current '' as part of a " forbearance agreement ''. Again, these payments were not applied to both loans ( even though I have the texts claiming that they would be ) from XX/XX/XXXX. 

On Friday, XX/XX/XXXX, at XXXX, I received a very suspicious-looking email claiming that " time was running out '' but that I needed to call by XXXX Eastern time XX/XX/XXXX. This email also ( presumably illegally ) had a list at the bottom of the email of all email addresses receiving this email ( including mine ), a very informal subject line, a number of grammatical errors, and was sent from an informal-looking, personal email address. 

When I called this number that Friday evening, " XXXX XXXX '' whose number I was given to work with directly, claimed that my loan had been in default since XXXX and even if I had called in XXXX it was too late. She claimed I needed to settle the debt for {$7600.00} by the end of the month, saying I could write a check by the XXXX to clear by the XXXX but that if it didn't clear I'd be even more legal trouble. 

When I proposed a realistic number that I could come up with by this date, she said it would " ruin her reputation '' and she would be " laughed out of the office ''. She said she would put this on hold until Monday, but that there was nothing I could do except for settle the debt before the end of the month, and that even though I had been paying more than the agreed upon amount the entire time, it wasn't their fault or problem that they had only applied these payments to one loan. 

I received a follow-up email just now XX/XX/XXXX at XXXX, with similar grammatical and spelling errors, from the same email address. It also claims that " *Business hours may vary at the end of the month. '' The email address is " XXXX XXXX XXXX '' uses the Navient letterhead and logo, and is either a scam that breached some personal data of Navient customers or Navient is scamming me, but either way it is incredibly unprofessional and I have to assume is committing illegal acts. Please advise.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

I inquired information regarding auto insurance rates from XXXX in XXXX. A new vehicle was purchased. I was covered by XXXX. An over the phone agent out of Texas stated that he could give me a better rate. I informed him of what I had, and that I didn't want to change anything. Well, he lied about what they could offer to get the sale. When I received a copy of the processed policy, the coverage was different. I noticed that the agent or someone for XXXX reduced the coverage to give me a lower price. 

I was furious! I tried calling and I couldn't reach the agent. Finally, I reached someone, and she told me she cancelled the policy. Well, that didn't work. I received a bill. I called around again. An agent in Louisiana named XXXX XXXX assured me it was cancelled this time. I provided him with the information, and he stated that he cancelled everything and there was no balance. He apologized. Once again that didn't work. 

After a whole year passes, I get hit with a collection debt on my credit report. I was able to find an email with the last conversation with XXXX XXXX, but he retired. I called XXXX. I went back and forth with them. This is ridiculous. The agent was purposely deceitful. This is not how you do business.!! Lying to people over the phone to make a sale!!!