23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Yes I was contacted by XXXX XXXX debt collection agency on behalf of Navient On the date of XXXX/XXXX/2017. I was told I was approved for a settlement offer, I informed the representative that due to the holiday I was short on funds available to me and that I could make a payment of 20 % of the settlement in two weeks. The representative was very confrontational for a " professional call  ''. 
At one point telling me that " you can get blood from an turnip if you squeeze in the right place '' and that because I had made this business transaction with Navient that gave her authority to " be in my business. Not only did I take offense to her call but I also felt intimidated with the tone. The caller was at my throat like I was n't the one who contacted them in the last six months, like I was n't the one who made a payment in hopes to settle my debt in the last six months not mention I explained I just started a new job less then two weeks earlier on another call.
Product: Mortgage

Approximately 2 months ago I received a call from the County Attorney office stating my county taxes were delinquent by {$14000.00}, I told her that I escrow. I called the mortgage company MTB and they contacted the county attorney. Weeks later I received an escrow analysis statement showing my mortgage payment went from {$550.00} to {$2100.00}. I contacted the mortgage company to talk about the high increase, the person on the phone admitted that they ( mortgage ) were at fault.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be errors.

Old/Incorrect Address Reporting : XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX Date of Birth : Not listed on XXXX or XXXX but listed on TransUnion as the Year only.

I demand that these items be investigated and removed as well as updated from or on my report.
Product: Credit reporting or other personal consumer reports

I have a fraudulent inquiry from XXXX XXXX on my credit report that I did not authorize. Please remove this Immediately
Product: Debt collection

On XX/XX/XXXX I was contact by a woman via phone number XXXX stating that she was a legal representative for US bank and that they were going to sue me for an bank account overdraft fees that I supposedly opened in XXXX. She wouldnt give me specifics other than the amount was {$1000.00} and that they was contacting me to get current address and phone number so they could file this suit. I stated to her I have never banked with US bank and I had no knowledge of the debt. She said ok and then nothing. I thought I lost connection so I called back. I then got a gentleman stating that they could sue me. When I informed them that Ohios debt statue of limitations is 6 years and even if I did have this account they have no legal leg to stand on once again they hung up. They repeatedly call not only my personal cell phone but my family memebers trying to scare them into paying this so I dont go to jail. Im afraid they are going to get ahold of one of my elderly family memebers and they will pay it not knowing better. I wasnt given a name for the company and have been unable to find it on a reverse search on XXXX
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXXXXXX and XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I went into a Regions bank on or around XX/XX/2023 because I noticed some fraud on my account. My regions card was used fraudulently at XXXX online and I needed to dispute the charge and pick up a new card. While I was at the XXXX XXXX XXXX, XXXX Ga location I was informed that I qualified for a {$50.00} overdraft protection plan and if I was to go overdraft Regions will pay it and I wont have to pay the {$36.00} overdraft fees. Ive paid Regions XXXX XXXX XXXX in overdraft fees and I was under the impression since Ive done so and have been with the company so long it would be like an I earned it type situation. Im in the process of moving and credit requirements are set to get the place. I notice my Credit dropped over XXXX points for this so called protection plan. When I called to better understand how a protection plan is affecting my credit like this and WHY. they said it was a line of credit, which I was never told, and all I was paying was late fees. When I clicked on the account all it ever said I owe was {$10.00} like once a month and I paid it assuming it was a fee for having the protection plan, which also wasnt explained. I asked the lady what all I owed to be satisfactory and she first claimed I sent the {$50.00} from that account to my personal banking account which wasnt true so I asked her the date this happened she said back in XX/XX/2023. I didnt recall my bank going into overdraft because apparently the money automatically sends it there without any doing of my own and no type of notification that it was done. So at the end of it due to my desperate need to get my credit score up, I agreed to pay all dues. I was told it would be {$50.00} I paid. I went back on my account a few days later to see I owe them another {$16.00} plus XXXX everyday after the due date. I paid it but Im being taken advantage of at this point. I cant close this account because that would also report negatively on my account. Could you help?
Product: Credit card

I emailed Capital One and asked them to abide by the OHIO SCRA laws and apply that to my account and also refund me all the interest I have been overcharged. Capital One then proceeded to send me a letter in the mail that stated that I was ineligible. I sent them my XXXX and XXXX contract with my request that shows my home of record as Ohio and has been such ever since I started XXXX XXXX.
Product: Student loan

XXXX education mislead me on taking out this loan for my son and now I have this loan in my name and ca n't make the payments, It started out at XXXX and is now {$150000.00} with AES. I could n't ever pay this loan when it started back in 2006 an I still do n't make enough to pay it now. I do n't know what to do and AES has never tried to work out a solution. I am XXXX XXXX XXXX an I can only work part time because I have XXXX in my XXXX and XXXX in my XXXX I also have XXXX in my XXXX for XXXX. Every time I talk to someone about making payments that I could afford they just stick me in forbearance. I am frustrated an worried to what will happen because I ca n't pay this loan. The schools financial office totally mislead me on the loan saying that I 'd be taking out this loan to help my son and when he graduates he will be able to take over this loan because they said they would help get him a job after graduation. Needless to say after graduation they just brushed him off. It took him 4 years to even get into his field. And with all the XXXX XXXX loans he also had to take out he has to pay them, so he has n't been able to help me with this loan. The school new I did n't make enough money but they said my son would make enough money after he graduates. 
He barely makes enough money to pay the loans he has and cant help me. 
If you can find me a solution I would greatly appreciate your help. The schools financial office totally mislead and kept pressuring me to signed for this loan. HELP
Product: Mortgage

I spoke with account representative XXXX XXXX and told her that I was catching up on my payments because I am unemployed after FAY SERVICING locked me out of access to online bill payment. I could not make my payment so I contacted customer service and she immediately began telling me to apply for loss mitigation etc. I declined this and told her I would do my best to get back on track and asked her several questions about catching the payments up. 

XXXX never told me that I was in danger of foreclosure but instead kept pushing me to a repayment plan which she told me would be due the XXXX of each month and I told her that I knew that I would not have a payment for XXXX ready by the XXXX. and that I would do my best to catch the remaining XXXX payments up and she advised me that once I made XXXX more payment I would be granted access to pay online again. After the conversation I began to make plans to catch up on the XXXX missing payments. 

On XX/XX/XXXX I received the discussed repayment plan in the mail that was completely different than what XXXX told me it would be. She said I would have a payment ever XXXX of the month for 4 months and when I received the paperwork the payment plan was listed as the following : MONTH 1. XX/XX/XXXX {$1300.00} XXXX. XX/XX/XXXX {$1300.00} XXXX. XX/XX/XXXX {$1300.00} XXXX. XX/XX/XXXX {$1300.00} XXXX. XX/XX/XXXX {$1300.00} At the time that I discussed a repayment plan with XXXX XXXX I made it clear that I would not have an XXXX payment ready by the XXXX which I DEFINITELY would not agree to XXXX payments on XX/XX/XXXX and XX/XX/XXXX back to back. This was a deceptive practice to intentionally make me default as of XX/XX/XXXX without truly giving me an opportunity to have a real repayment plan. 

At NO TIME did XXXX XXXX discuss these due dates, she specifically said all payments would be due on the XXXX of the month. She was dishonest.
Product: Debt collection

I am a XXXX Veteran that maintains excellent payment history. I keep getting this collection flagged on my credit report by Sa-Vit Collection Agency of XXXX, NJ XXXX and the debt is not mine. I Am not the joint account holder or signed a document saying i am the responsible party for the bill they are trying to collect. To my knowledge there is no document that they have that shows me as the responsible party. Yet, they are adding my name next to my wifes name. My wife didnt speak good english and I believe she asked creditor to call me to talk about the unethical collection on her behalf. The credit company then automatically attached my name to the debt ever since. They need to remove all traces of this collection from my credit report and if they do this again, I am requesting Bureau of Consumer Financial Protection to please fine them the maximun amount for each incident they mark on my report. I pay my payments on time and it shouldnt mess with my credit score nor report and cause me damage. They continue to do this and I am requesting consumer financial protection from these illegal practices. Thank You.
Product: Credit reporting or other personal consumer reports

Subject : XXXX  # XXXX Dispute of Inaccurate Debt Reporting and Demand for Correction under the FCRA and FDCPA My personal information has been compromised as a result of several XXXX data XXXX, dating back to XXXX to XXXX The XXXX, XXXX XXXX data breaches in XXXX & XXXX breaches in XXXX. In XXXX, XXXX XXXX XXXX consumers have been victims of credit reporting agencies data breaching. 

This has resulted in my personal information to be publicly exposed, leading to identity theft, inaccurate information reported to credit reporting agencies and/or used to obtain credit. 

These breach have lead to millions of Consumers suffering mental, emotional and financial damage. 


Furthermore, I am writing to formally dispute the accuracy of an alleged debt that has been reported by XXXX on my consumer report. Specifically, based on this creditor 's reporting, my credit report confirms that this debt has been charged off andor any other related taxable event. 

This failure to issue the required documentation raises significant concerns about the accuracy and validity of your reporting. It also constitutes violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 1. Inaccurate Reporting Under the FCRA, you are obligated to ensure that all information reported to consumer reporting agencies is accurate and complete. Reporting an alleged charge-off/write-off without issuing the appropriate IRS Form 1099-C is misleading and inaccurate, violating 15 U.S.C. 1681s-2.

2. False or Misleading Representations Under the FDCPA, false or misleading representations concerning the character, amount, or legal status of a debt are prohibited ( 15 U.S.C. 1692e ). Reporting an alleged debt without proper documentation to substantiate the write-off or forgiveness constitutes a clear violation.

3. Unfair Practices Reporting without proper reconciliation and compliance with legal obligations violates 15 U.S.C. 1692f, which prohibits unfair or unconscionable means to collect or attempt to collect any debt.

Under the FCRA, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. Pursuant to FCRA 605b It is your legal obligation to investigate and either verify the accuracy of the debt or correct/remove the inaccurate reporting within 4 days of receipt of this dispute. Failure to comply may result in additional violations of the FCRA, including but not limited to your responsibilities under 15 U.S.C. 1681i and 15 U.S.C.

1681s-2 ( b ). 

Additionally, under both the FCRA and FDCPA, I am entitled to damages for violations of these statutes : Statutory Damages : Up to {$1000.00} per violation under the FCRA and FDCPA. 
Compensatory Damages : For any financial harm or emotional distress caused by your inaccurate and misleading reporting. 
Punitive Damages : For willful noncompliance under the FCRA ( 15 U.S.C. 1681n ). 


Sincerely, XXXX XXXX XXXX Attachments : 1. Copy of my credit report ( highlighting the disputed item 2. Email From Creditor Denying 1009c Form Request
Product: Credit reporting or other personal consumer reports

I Have filed an dispute for the inaccuracy of these accounts from my credit report it has come back and was stated that it was deleted and it has been over XXXX weeks and the account yet remain on my account I need those accounts deleted from my credit report.
Product: Debt collection

company called me 8 times within a 2 hour period on Tuesday XX/XX/XXXX with the first three calls being placed at XXXX XXXX and the last 2 being made at XXXX XXXX. on Wednesday XX/XX/XXXX, company called me 8 more times with the first call being made at XXXX XXXX  and the last being placed at XXXX XXXX. as of today ( XX/XX/XXXX ) I have recieved 3 more calls all occurring at XXXX XXXX. it is currently XXXX
Product: Debt collection

I previosly asked for the removal of this account number- XXXXXXXX XXXX XXXXXXXX XXXX. I attached this debt to my tax return on my schedule-d and they are still coming after me for a debt. By law under the FDCPA. This company has to cease collecting or I will be forced to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent UNITED COLLECTION BUREAU MULTIPLE LETTERS AND GAVE THEM MULTIPLE CHANCES TO VALIDATE THESE ACCOUNTS AND THEY HAVE NOT DONE SO! THE LAST ONE BEING ON XXXX XXXX, 2021. ( CERTIFIED ) This company has violated several of my consumer rights! Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signatureAs you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now been a victim for the second time where i file for my taxes and someone has claimed my dependent. the first time i was not informed of what i should do to protect myself and dependent from recurrence. now i attempted to file my taxes for 2017 yesterday and they were rejected. my daughter is XXXX XXXX XXXX and i am unable to request a credit report. clearly someone has her information and i believe it is ridiculous that i have to wait for my child to turn XXXX to check her credit to then have to clean up whatever damage who ever is using my child 's information. i believe that when a child is a victim of this type of theft they should be allowed to check their credit regardless of the age. the first time i believe my daughter was XXXX yrs old so i have to wait until she is XXXX this can ruin her future when it comes to credit.
Product: Credit card

This complaint concerns the way Barclay handles disputes, which is inefficient and makes it extremely difficult for customers to receive proper service. After I opened a dispute and called twice to confirm that I was seeking a full refund, I received no communication indicating that the dispute was not resolved, but instead was closed. When reviewing my statements, I noticed that the charge I had disputed was reissued. According to their records, they reached out and left a voicemail, but I never received any communication.

I do not believe disputes should be closed until the party who opened them confirms that closure has been achieved. Disputes are opened for a reason, and a large bank should not simply close out dispute tickets to show completed cases.

I was then informed by the agent that she could not reopen my dispute over the phone and that I would need to send a fax or mail a letter to the Barclay Dispute Department. Why cant the agent reopen my case on the phone? Why is this process not as streamlined as accepting payments over the phone? A large bank is able to accept payments, ask for income and financial details, and perform other tasks over the phone, but when it comes to reopening a dispute to advocate for me the customer to get a refund for a service I can't get details for and want cancelled, the process becomes unnecessarily difficult.
Product: Credit card or prepaid card

Received notification from the credit agency that is monitoring my credit ( XXXX XXXX  ) informing me that my MACY credit card was closed, when reaching out to MACY customer service was inform that they closed account without informing consumer?! no email/text or regular mail notification ; i ask is this a fair practice?! as per manager XXXX when contacted XX/XX/21, which she sounded cold and no empathy ( given that FACT i've been effected by the covid situation this past year-which XXXXe way or other effected my credit score ) about the situation of account being closed..

during conversation manager did not give any explanation just stated " we could do what we want as a company '' without no obtions or alternatives, kept stating i signed a contract which states they could cancel account whenever they want ....?! 

please advise and assist in this situation ... 
thank you..
Product: Credit reporting or other personal consumer reports

FCRA XXXX, I believe, requires the elimination of any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts are inaccurate in terms of the reporting, with inaccurate amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are in violation of FCRA. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I've demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts in dispute. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts I requested to have verified.

I submitted 2 letters along with driver 's license, social security card, and cell phone bill to prove my identity and current address over the last 60 days requesting verification and have received 0 verifiable proof. 

I have 2 accounts that have not been properly verified and are still being reported on my credit report. 
1 account is for {$610.00} and the second account is for {$4100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

BK OF AMER, Inquired on XX/XX/2019, XX/XX/2019 XXXX Inquired on XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX, Inquired on XXXX XXXX XXXX
Product: Credit reporting

Equifax has a poor site for correcting errors. I have misinformation listed in my report that indicates a negative public record judgment against me. It is not against me, it is against someone else. XXXX had the misinformation listed also, but quickly removed the error ... upon request from me. XXXX did not list this misinformation, apparently they are more careful. What recourse does the public have with Equifax and XXXX? They have filed false information about me and this has cost me credit, and I have had my credit levels lowered by several of my credit card companies ... this could also have cost me an employment opportunity. I have been financially and emotionally injured, and spent a lot of wasted time. It seems to me that we the public, are victims of their casual yet powerful business practices. It is irresponsible of them to post negative information in our reports without at least advising us that they will be doing it. I am glad that there is this opportunity to pull up the annual credit report. If I had not been able to, who knows how much longer this misinformation would have been listed ... 7 plus years? It seems to me that we should be able to have access to our credit reports, without charge, every day. 
XXXX XXXX - XXXXXXXXXXXX