23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Ive told them I was going back to school in XXXX last month, XXXX and XXXX. They have been harassing me and my co-signer. I asked for a lower loan payment options they told me no. Im no longer employed they told me I didnt qualify for different loan repayments. I been unemployed since XXXX of XXXX. They have been lying to me and my co-signer with false information. Every month they tell me my loans will go into collections on the XXXX of EACH month if I do not pay. They have been calling other family members who know nothing about the loans who are ill and already dealing with stress. They told me I dont qualify for deferment plans and I must pay immediately. They are calling my XXXX  grandma after business hours. My monthly payments use to be XXXX a month now theyre telling me the lowest I have to pay is XXXX! Also everytime I pay a minimum amount via phone they still tend to harrass me, so if the minimal payment is not enough why lie.
Product: Debt collection

IC System Inc. at XXXX XXXX XXXX XXXX XXXX, MN XXXX has sent me a collection notice in the amount of {$2200.00}. This company is claiming a debt that I was never notified of and was paid in full by my insurance company. I am not familiar with IC Systems Inc. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information.
Product: Debt collection

The complaint is in regards to Citizens Bank. I have a home equity line of credit with them. The payment was due on XX/XX/XXXX. On XX/XX/XXXX they called to tell me I was late. In actuality they were paid by bank check transfer on XX/XX/XXXX in the amount exceeding 5 times the minimum payment. I checked the account on line on XXXX in the late evening and found no record of the payment. I called their informtion line and got a message the office was closed leave a number and they will call back. They never did. I called again on XXXX and was told the payment was received on XXXX. I had checked with my bank and was told they sent the check XXXX. I can not be responsible if Citizen Bank can not record the transactions property If Citizen Bank received the payment on XXXX why did they call on XXXX. This is an harassing tactic for NO reason. I have NEVER been late with them. On another occasion the payment was made on time and the next months statement had a notion of a past due amount. I asked them to correct it and they refused. I wrote a letter for them to correct it and it was ignored. This bank is totally negligent.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


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

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All bureaus have ignored my request to provide me with documents that have files that theyve used to verify the disputed accounts which means that they have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA
Product: Mortgage

This is regarding my mortgage with Capital One Loan Number XXXX. Until XX/XX/XXXX my monthly mortgage payment was {$2200.00} but in month of XX/XX/XXXX you increased the monthly payment to {$5000.00}, without any prior notice and tried to withdrew that money from my account since I was under impression that only {$2200.00} is due so I never bother to arrange any money and the ACH requested got returned and the same this repeated next month as well. I never logged into my account in these two months but when in XX/XX/XXXX I logged back in I saw what happened and requested to take a payment on my account but because of these two unauthorized attempts of {$5000.00}, I immediately called Capital One there was a hold put on my account for Capital One 360 by XXXX XXXX XXXX but anyways I still sent a payment by Bill pay service. Had I knew this payment was coming in XX/XX/XXXX or sooner I would have made arrangements. In last 8 years I was never late leave the missing payment aside ; Even in XX/XX/XXXX bank told me my monthly payment will be {$3200.00} and some change but when I called Capital One 360 On XX/XX/XXXX, I was informed my payment was not {$3200.00} it {$3400.00} and the customer service representative I was talking to XXXX agreed on recorded line with her consent, that it was wrong information provide to me by bank. With this lack of communication from Capital One 360 this all had happened and negative items were reported to my credit bureaus. I request you to please remove this negative reporting for my account from all credit bureau. I do have all proof to prove it. I 'll appreciate this if you just take one thing in consideration that I have be a good customer for last eight years and take care of this and avoid me any further frustration.
Product: Credit card or prepaid card

I settled my Macy's/Department Store National Bank ( DSNB ) account in XXXX, that had previously been reported as a Charge Off. 

First off, they are so disorganized over there, that they have reported my Tradeline 3 different ways to each credit bureau, They show me as a {$1400.00} Charge Off with XXXX. 
They show me as a {$1400.00} Charge Off with XXXX, AND erased all my payment history. 
They show me as a Charge Off with {$830.00} Past Due on XXXX. 

HERE IS THE CORRECT INFORMATION, AND HOW THE RECORD SHOULD BE REFLECTED : My Account Status and Balance Are BOTH reported incorrectly on all bureaus : They need to fix this now. I'm attaching proof of the settlement check, It is literally something they can fix in 24 hours. Everything is digital these days. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - HERE IS WHAT THE BUREAUS SHOULD SAY : 1 ) ACCOUNT SETTLED IN FULL FOR LESS THAN FULL BALANCE ON XXXX 2 )  BALANCE {$0.00} 3 )  PAST DUE {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX - XXXX XXXX XXXX This account is over seven years old and needs to be removed. 

Equifax refuses to honor a dispute request on my credit report. An account on my report is over seven years old, and they refuse to investigate and delete this record from my credit report. XXXX and XXXX have already removed this account once it hit seven years. Equifax Confirmation number : XXXX. 

I constantly dispute this account through XXXX XXXX dispute tool, but it comes back within two days as verified. 

On my last complaint with CFBP XXXX. XXXX stated the record was no longer on my credit report, but the record still exists. I created a follow-up compliant XXXX which XXXX responds with a canned answer. 

This record needs to be deleted from my credit file immediately.
Product: Debt collection

XXXX XXXX Account closed XX/XX/2012 Account status Open. By the statue of limitations I'm not responsible for the debt and it should be removed from my report. 

Written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( OCGA 9-3-24 ). Last payment date supplied by XXXX XXXX XX/XX/2012. 

Transunion, I am aware that some of the accounts listed on my credit report have been sold to a 3rd party. These are NOT the original creditors and I am NOT under any contract obligation to this companies and or agencies. Please remove this account from my credit report immediately. They are listed below : 1. Debt Collector - XXXX   XXXX Original Lender- XXXX XXXX XXXX Balance XXXX {$560.00} 2. XXXX XXXX Balance - {$830.00}
Product: Checking or savings account

On XXXX XXXX, XXXX, a check was deposited into the XXXX XXXX XXXX XXXX XXXX TX BBVA Compass branch ATM. An hour later the deposit had not shown in my account. I called BBVA and spoke to a male agent who was said he was researching the deposit and put me on hold. After about 10-15 minutes of this, the agent hung up on me. I called back and spoke to another agent who said the investigation department was closed so I had to call back the next day. I called back today, XXXX XXXX, XXXX and reached a female agent. I was on the phone with her for 24 minutes and was on hold for about 10 minutes after I told her I need to speak with someone who can credit my account with the funds since they were sitting in the BBVA ATM. After I was hung up on, I called again and spoke to a male agent who finally gave me dispute # XXXX. He put me on hold and called the investigators department. He came back on the line saying they would not speak to me. I then spoke to the agent 's supervisor, XXXX # XXXX who refused to provide resolution. 

This money was to pay my driver. I am a new XXXX XXXX XXXX who does not have extra money sitting around to cover my driver 's pay twice. It was a malfunction of BBVA 's  ATM and I should not be penalized for 10 business days due to their machine malfunction. I want my account to be credited within 24 hours of receipt of this complaint, if not sooner, of the {$260.00}, which is the amount sitting in their ATM. 

This is the worst customer service I have ever experienced with slow, out-of-date processes, no consideration being made for customers being damaged financially due to their malfunctioning machinery, and phone agents who make it impossible to get solutions to help their customers keep their businesses running smoothly. This is not an institution that is in it to help small businesses.
Product: Student loan

I am a 16 year XXXX XXXX Veteran. I completed my XXXX XXXX while serving XXXX XXXX. I had XXXX subsidized and unsubsidized Stafford loans consolidated. South Carolina XXXX XXXX XXXX XXXX duplicated my loan amounts when I consolidated. My balance is double what I should owe. 

Deployments, moves, and life has happened over the years. I sent in a audit letter in XXXX, contacted them XXXX XXXXXXXX. I provided them with copies of my military orders ( XXXX Act, loan rate should have been decreased ). I placed the loan in forbearance, allowing them time to fix the issue. In XXXX I was notified that my account was given to the current holder XXXX, XXXX. XXXX XXXX. XXXX XXXX XXXX, NE XXXX Account .... 
Phone calls and letters to the Loan provider has not resolved this issue. Looking to gain your assistance to get my loan balance corrected, and lower interest back dated.
Product: Debt collection

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Discover.

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Mortgage

Wells Fargo Racket : I deferred my mortgage during Covid. When I confirmed multiple times that there were no fees or interest involved, the bank said I qualified for putting the deferred amount to the end of my loan. I had to fight for the said agreement as when it came time they tried to refinance me and did not want to give me the agreed upon terms. This took many calls and many hours to finally get legal paperwork to turn that amount into its own loan with no fees or penalties. The term says I have until the year XXXX to repay. I came into some money and have tried to pay my primary mortgage balance off. I have tried to pay my mortgage off for about two months and again with many calls and hours of conversation. The bank denies me paying off. Took my money and placed it into escrow ( even though it was designated as principle ) and continues to charge me mortgage insurance and interest. This has been going on for a long time and I feel it is a racket being run by Wells Fargo as no one has the answer to why I can not pay of my original balance only to say that there is another balance associated with it but they don't show it available to pay either. There is no account for it, even to make a payment. Just that the balance is there. I have legal paperwork for this loan. This is costing me monthly and is absurd. I have spent more than 20 hours in phone calls and make calls weekly. They refuse to zero my original loan balance in order to continue to collect any amount of interest and mortgage insurance still being charge. I'm sure that other people have been taken by this situation, if they even cared to fight this far.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in the light of CFPB lawsuit highlighting significant issues with the platform
Product: Credit reporting or other personal consumer reports

My old student loan servicer, XXXX XXXX is still reporting XXXX student loan balances that they no longer hold, the accounts moved to XXXX. So right now, my credit reports show that I owe double the amount of student loans than what is actually owed.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to address a significant concern regarding the reporting of a canceled debt by your company. It has come to my attention that your company has failed to comply with the requirements outlined in the Internal Revenue Code ( IRC ) section 6050P, which governs the reporting of canceled debts to both the Internal Revenue Service ( IRS ) and the debtor.

Upon reviewing my credit report, I discovered that a debt owed to your company has been reported as canceled or forgiven. However, I have not received a Form 1099-C, as required by law, to report this canceled debt to the IRS and to me as the debtor. This failure to comply with IRC section 6050P not only places your company in violation of federal tax laws but also has serious implications for my credit report and financial well-being. 

As a result of your company 's non-compliance, I am demanding the immediate removal of the XXXX from my credit report. The inaccurate reporting of this canceled debt is unjustified and misleading, and it adversely affects my creditworthiness and financial standing. Furthermore, the failure to provide the necessary Form 1099-C deprives me of essential information needed for accurate tax reporting.

I urge your company to take swift action to rectify this situation by : 1. Removing the XXXX from all major credit bureaus ' records, including XXXX, XXXX, and TransUnion. 
2. Providing written confirmation of the removal of the account from my credit report within 15 days from the date of this letter. 

Failure to comply with this demand will result in further escalation of this matter, including but not limited to filing complaints with relevant regulatory authorities and seeking legal recourse to protect my rights as a consumer. 

Please acknowledge receipt of this letter and provide confirmation of the actions taken to address this issue. If you have any questions or require further information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this matter. 

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

I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX.
Product: Debt collection

I have tried to contact Equifax several times regarding this supposed debt and have requested immediate removal do to inaccuracy. I have sent Equifax dispute letters along with receipts that this bill was paid. In my letter I asked that Equifax reinvestigate this third party collection company XXXX. The first letter I sent to Equifax was on XXXX/XXXX/XXXX. In Response, to that letter I sent, I received a letter back from Equifax stating that this debt was verified. How? Equifax has yet to provide me with anyone who they have talked too or any supporting documentation that they actually verified this suppose debt. I paid this bill long before it ever went into a delinquent status. I sent Equifax another letter on XXXX/XXXX/XXXX disagreeing with their decision and in response to that letter Equifax responded stating that the acct will remain on my credit file but will be updated to an paid status. How is that possible? I have provided Equifax with more then enough proof stating the facts about this bill and that it was paid long before XXXX XXXX XXXX got involved so, why should this remain on my credit file?
Product: Debt collection

Professional Account Management LLC collecting on behalf of XXXX XXXX and XXXX XXXX ( XXXX ). 
-Sent 2 separate Notices of Assignment to Collection Agency in XX/XX/XXXX for 2 Toll Violations on XX/XX/XXXX and XX/XX/XXXX - 15 months after dates. 
-No previous notification from XXXX of ANY toll violation. 
-1 toll violation is not even valid or possible -- it is a southbound toll and I would have be en going Northbound if I was even in the vicinity. 
-Perforated bottom of Collection letter remit statement is incorrect and misleading- it shows an amount due of {$53.00} for 1 toll violation. The amount of {$53.00} is the total for 2 toll violations. I received two separate violation notices in separate envelopes on separate days. Each notice has 1 violation noted but the total amount due is for two = {$53.00}. They are expecting you to just pay it - so you would pay {$100.00} when the total for both violations is {$53.00}. Completely deceptive. 
-They do not provide a physical mailing address only a po box , so no certified letter can be sent to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from my credit monitoring service stating that my credit score dropped 31 points because of inquiries. I have not applied for any type of credit since XXXX of 2021. This is why I am constantly complaining about Trans Union adding wrong and erroneous information to my report causing irreparable harm to me and my family. I am very tired of having missing information put on my credit profile. Why do the CFPB exsist if they are not going to make this corporation do the right thing. They should not be in business if they can't report correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello do XXXX XXXX THE NOST TERRIBLE COMPANY EVER HOUNDED ME EVERYDAY FOR MONTHS AFTER i told them I was a struggling XXXXXXXX XXXX working and was going through mental trauma!!! They offered me a 2 month extension on my loan!!! Said my payments would all be current that were coming and we made a agreement!! Time pases I Pay when XXXX Came boom late payments!! Including finance charges and fees!! This is beginning to feel XXXX. The people at this establishment belittled me for being in a time of need had no care while Im taking care of the XXXX XXXX  while people are quitting left and right all I asked for was a break and they lied to me. And ruined my mental with this car loan the loan itself is fine i can pay it but the audacity to put late payments is so disrespectful so illegal, but also unlawful. I am need if the CFPB to clean my report up please force the hand of these unlawful companies and Bureas!! I got the late payments removed and they ILLEGALY put the late payments back on my report!! Without informing me or notice!!