23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a  XXXX  debt which I paid to  XXXX   XXXX   XXXX . I received a letter from them with a settlement offer of {$90.00} for the bill to be considered paid in full. I paid that exact amount o n  XX/XX/XXXX .   On  XX/XX/XXXX , I r eceived a call from   XXXX   XXXX   asking me to settle the debt. I informed the guy that it was paid on   XX/XX/XXXX . H e asked me to send the payment info t o  XXXX ,   which I did that evening. On   XX/XX/XXXX  I  resent the original email since I had n't heard anything. Still no response. On   XX/XX/XXXX ,  I sent another email stating the debt was paid and I expected that they would remove the item from my credit report. Still no response. I checked my cred report and the outstanding debt had been reduced from {$510.00} to {$360.00}. So I c alled Convergent  on   XX/XX/XXXX   to find out why this derogatory item is still on my credit report and was told that they received response back from  XXXX  confirming the outstanding debt. I then decided to call  XXXX   XXXX  to see if they reported to  XXXX  when I made the payment. The rep confirmed that my account was paid. I called  XXXX  and had to file a report so they could investigate. The reference #  XXXX .
Product: Bank account or service

I filed a fraud claim for a {$200.00} charge listed as " XXXX XXXX XXXX XXXX '' on Friday, XXXX XXXX, 2016. This transaction was done without my permission, and I have never done business with or heard of this company. I was told by the fraud representative that the provisional credit would be issued between 7 to 10 business days, because it was not a pin based transaction ( pin transactions take longer to process since someone else has your pin number ; signature transactions only take 7-10 business days ). 
I called in to the fraud department on Wednesday, XXXX XXXX for a status update. According to the representative, there was no case processor assigned to my fraud claim yet, and no provisional credit was issued. The representative stated that she put in a request to have a supervisor in the " claims processing '' department call me back ; no one called back. 
I called again on Friday, XXXX XXXX for another status update, but was told that the " claims processing '' department may short staffed due to the Holiday weekend ( good for them, but horrible for me because I have nothing in my account due to some card hackers ). I was told by an escalations representative XXXX M ( located in XXXX XXXX, Kansas ) that she would not be able to transfer me to " claims processing '' and that there was no supervisor above her that I could speak to regarding the issue ( even though the previous escalations reps that I spoke to told me to just call in after XXXX to be transferred to that department ). Nothing was resolved and it was the 10th business day. 
I called again this morning, Saturday, XXXX XXXX, and spoke to another representative that gave me the " claims processing '' department 's phone number and advised me to call in on Monday. 
Because of US Bank 's laziness regarding my fraud claim, it is now the holiday weekend and I have no money in my account. This is unacceptable. A thief used my debit card number fraudulently, and I am the one being punished for this. I can not even afford to pay my half towards the rent on XXXX XXXX, because the funds have not yet been returned. 
There needs to be some form on recourse for this ; I was lied to by XXXX XXXX in XXXX XXXX, Kansas regarding speaking to her supervisor and/or the " claims processing '' department, and was told that no one was above her and that " claims processing '' does not have a direct phone number.
Product: Student loan

This company has been ripping me off since 2002. I have been paying on this for 20 years and the balance has never gone down. I have read now the navient loans from when I borrowed have been canceled? I have tried to income based repayments. I have submitted the paperwork to them multiple times. Navient does not care. My balance has always gone up. I need some clarification on whether mine should be canceled from this time period.
Product: Debt collection

On XX/XX/2020, I emailed the following to XXXX  XXXX : " Good morning, Due to the recent economic downturn as well as being laid off yesterday, I am unable to pay my account in full. What options are available to me? 
Thank you, XXXX XXXX '' To date I have received no reply to my email.
Product: Vehicle loan or lease

We traded in our truck back in XXXX to XXXX XXXX dealership. They sent payoff to GMFinancial and was told that the check was cashed by them as well as the dealership and the loan was paid off. A month or so later and the loan was still not showing as paid off and we continue to receive collection calls/letters. XXXX XXXX sent over proof of payoff and the check being cashed but STILL months later, the lease is still showing not paid off and we continue to get letters/calls and negative credit reporting. I have went above and beyond trying to get this resolved but when you contact them, you get a person who has no idea what they are talking about and you can NEVER speak to a manager or someone who knows what is going on. I have been patiently waiting over 3 months to have this resolved and no one has been able to help me. Please please help me, I am at a loss of what to do and this is not a fair business practice at all!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt.
Product: Credit reporting or other personal consumer reports

You illegally updated my account & STILL incorrectly even though I sent all documents showing errors and laws regarding your duties and timeliness to fix things. See attached ( source XXXX XXXX XXXX & FTC ) XXXX XXXX ( MO ) XXXX XXXX XXXX I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT. COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION PROORT Y IFORMAAIPMPER 15 USC 160468
Product: Credit reporting or other personal consumer reports

USAA did a hard credit pull of my credit. I did not authorize this. I need this removed immediately.
Product: Debt collection

I received a call last Thursday from XXXX XXXX XXXX XXXX located at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IL. The woman said there was a suit about to be filed against me and used intimidating tactics to try to get me to pay for an old debt that I had paid off years ago. I told her that and she refused to accept that. The call ended into a shouting match and I hung up. I receive these calls several times a year. They result from these XXXX XXXX firms buying old Credit Card companies Write Off lists with consumer info such as credit card company and social security number. They then try to coerce you to pay it off or be sued. They are thugs on the phone! I even had one company in California put a collection on my credit report. I had to contact my State Attorney General to get it corrected on my credit files with the three credit bureaus. I'm sure you know that the Credit Bureaus are very difficult to deal with. Why can't the CFPB do something to stop these predators from operating these scams on innocent people. You can do a XXXX search on the above mentioned company and see all of the complaints lodges against them. Why are they allowed to be in business? 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Debt collection

In 1983 my Ex. friend had put me down as a contact person for XXXX Student Loans. Said Ex. friend 's Daughter put me down as a contact person for her Student Loans and Parent Loans through XXXX. Five years ago - they each defaulted on there XXXX loans and since then we have had around XXXX XXXX calls XXXX. We wrote to our state XXXX and they did help us. The Letters stopped, than the phone calls started - again we wrote to our XXXX XXXX XXXX XXXX XXXX than the phone calls through XXXX stopped. Than the phone calls from the lawyers for XXXX XXXX started calling -. This stopped after the XXXX office again contacted them - Now, last week, the phone calls have started again. We were just a contact person ... ...
Product: Debt collection

Jefferson Capital System XXXX {$2300.00} Jefferson Capital System XXXX {$590.00} XXXX XXXX XXXX {$620.00} I Do Not Believe That This Debt That Is Being reported Is Valid And I Want It Removed ....
Product: Checking or savings account

Arrived in XXXX XXXX this past month, was going to the ATM and was confronted by XXXX armed individuals. They forced me at XXXX point to give them my wallet and phone, basically everything with me. They then had me take them to my XXXX where they held me XXXX that week while they emptied my bank account. Once I arrived back to the XXXX, I reported everything to my banks/credit companies. Every company felt sorrow and compassion for me and was able to get reimburse for the lost money. Only XXXX company denied my claim which was Citi Bank. Its basically saying I should have not given them my pin and die over this. I feel like they dont care what even happened honestly. I feel like my life would cost more but they didnt. They denied the claim so quickly I was shocked. It was really disappointing and frustrating that I almost die and my own bank I use doesnt even care.
Product: Debt collection

Used intimidation tactics and threats. Called me and my family members multiple times trying to discuss my debt. Used multiple numbers and called private multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 
Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.
Product: Credit reporting or other personal consumer reports

While I was on XXXX XXXX XXXX, a creditor wrongfully accessed and misused my credit report, reporting inaccurate late payments and debt collections that occurred during my service. This action violated both the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ), which protect servicemembers from financial harm during their military service. This wrongful use of my credit information has caused unnecessary harm, and I am seeking to have these errors corrected according to my rights under the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please update my payments to paid on time!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a serious violation of my consumer rights by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I recently discovered that XXXX XXXX has unlawfully reported an alleged debt to my consumer reports. This letter serves as a formal complaint and a request for immediate action to rectify this situation. 

According to the New Rule REGULATION, which took effect on XX/XX/2021, XXXX XXXX XXXX XXXX, by parking this alleged debt on my consumer reports, has violated the FDCPA 1006.30a and its new rule. This action is in clear violation of my rights as a consumer, and I demand that XXXX XXXX cease and desist the reporting of this alleged debt without any further delay. Failure to comply with this request will leave me with no choice but to escalate this matter by taking legal action. 

I would like to emphasize that I have not given XXXX XXXX XXXX XXXX written permission to include any information on my credit profile, as mandated by 15 USC 168162. Therefore, XXXX XXXX has no permissible purpose, by law, to contact third parties or disclose my private or personal information. By doing so, XXXX XXXX has committed offenses that amount to Aggravated Identity Theft, as outlined in 18 US.C. 1028A. Knowingly transferring, possessing, or using my means of identification without lawful authority is a felony punishable by up to 2 years of imprisonment, in addition to civil liability. 

As a litigious consumer, I am fully prepared to take legal action against XXXX XXXX XXXX XXXX if necessary to protect my rights and seek appropriate remedies. I urge you to investigate this matter promptly and take appropriate action against XXXX XXXX for their violation of consumer rights. 

I kindly request that the Consumer Financial Protection Bureau conduct a thorough review of this complaint and ensure that XXXX XXXX is held accountable for their actions. Furthermore, I would appreciate your assistance in expediting the process and securing the deletion of the inaccurate information from my consumer reports, as well as verifying the debt with a wet signature as required by law. 

Thank you for your attention to this matter. I eagerly await a prompt resolution to this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

After over 35 days, the underwritters at a Cardnial Financial subsidiary company Sebonic, starting asking me for documenets that they KNOW I do n't have since this would have been revealed in my original paperwork, such as XXXX and over XXXX in liquid funds. This was a waste of my valuable time and cost me additional interest charges on my current loan that I would not have had to pay if I had known upfront not to go with this loan. I am out the {$450.00} ( appraisal ) + {$2400.00} I would have saved going with another loan ( 2 months interest ). Additionally they not make themselves available to me in a timely manner to discuss these issues, taking 5-7 days to get back to me and only when I would tell them that I was going to complain to the CFPB would they call me back. I am extremely upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach out with letters and calls to Affirm. I found that were charges on my credit that I have no knowledge of. I have tried to dispute it with them and credit bureaus. Nothing was done. I spoke with Affirm yesterday and today for over a hour. No information was given again. I asked for the lady 's silence number and a number to speak with a manger, she told me she does not have to share the information at all with me. I did even offer to pay the debt that is not mine and please to have it removed from my credit and I was told no they will look into it. Since 2022 I've been having a issue with them looking into it and nothing is getting done. They are reading off a script and do not care about the livelihood of people. To say they can not give a license number or contact information for anyone above is garbage .All they can say is everything is in review and process.There is none else to speak to. It seems just a standard billing call center. They had no details or notes for anytime a letter was sent or call was made. Its almost like a scam place. Please any help would be greatly appreciated. No one deserves this kind of treatment when there life is on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian on XX/XX/20 because my FICO score dropped 41 points. I spoke with a supervisor named XXXX. He and I agreed that the only thing that changed on my credit report from the previous month was that I had a {$0.00} balance on my credit card because I don't usually carry a balance on my account if I can help it. I DID NOT close the account. I just try to not keep a {$0.00} balance because the interest rates are so high and there is {$0.00} interest if I do not carry a balance. 

Supervisor XXXX told me that an algorithm made the change and that is not disputable unless I hired a licensed credit repair specialist to investigate my " dispute ''. I don't know why I would have to hire this person and I was NOT disputing anything. I just wanted to know why my score dropped and XXXX refused to assist me. 41 points is a huge drop and I need this fixed promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX  XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX  XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report 1 of 2 XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report
Product: Mortgage

This is to check on the status of my previous complaint against Bank of America. Complaint number : XXXX. I sent a subsequent follow stating that Bank of America did not address my concerns. I have not heard the status of that second follow up. Also, The link from CFPB that was emailed to me is no longer working. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit card

Have asked for replacement card for i was charged for Un authorized bill. They keep saying new card on the way which is not happening Supervisor said I would receive new card shipped XXXX This has not happened
Product: Debt collection

DNF ASSOCIATES at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY ) has been calling me constantly about a collection in the amount of XXXX. The collection has been reported as charge off. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

EQUIFAX CONTINUES TO REPORT UNVERIFIABLE INFORMATION ON MY REPORT AND IT IS CAUSING FINANCIAL HARM.
Product: Credit reporting or other personal consumer reports

Last year I sent certified letters via United States Postal service to all three credit bureaus about false information reported on my credit. Enclosed is copy of information already resubmitted to be deleted and or adjusted correctly : Fix multiple names on credit report : Fix false addresses reported : XXXX Late payment from XXXX was paid XX/XX/XXXX In clothes in this complaints or the following information to verify information is inaccurate and reporting falsely : Highlighted Payment on Credit Report : Untiliiy Bill With correct address : Proof of identity : Notice to furnishers : Copy of U.S. Code 1666b