23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When I first applied for my first of two loans back in 2011, they ended up talking me into a payment plan that would allow me to repay while in school at a lower rate. Once the grace period ended, my rates went from 4 % to a staggering 9.12 % without any warning. I 've tried numerous times to do an income based plan, or something else but because of the type of loan I have ( The " Smart Student '' Option ), I 'm not allowed to do, or even to do deferment. All I can ever hope for is Forbearance, which makes my rates go up while I try to play catch up. I want to pay back my loans because that 's the right thing to do, but I need them to work with me as well and they clearly do n't care about their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX, NJ XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 
Account name XXXX Account number XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

CEASE & DESIST and dispute of XXXX XXXX XXXX  acct ending in XXXX and XXXX This letter is in response to the phone calls and letters I have been receiving from you. According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call me at home, at work, on my cell phone or at any other location. Further, this XXXX account is not my responsibility, allow me to say that again, you are attempting to collect from me a debt I do not have any legal obligation to pay. Now that you have received this Ceasing Communication letter, in accordance with the federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will be taken. Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming there will be no further contact and except notification of a specific action you intend to take, is in violation of the Fair Debt Collection Practices Act. I am also aware that any contact you make to a 3rd party concerning me is also in violation of the Fair Debt Collection Practices Act, specifically Section 805 ( b ) 2. Regards, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Mi XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. My XXXX XXXX XXXX Lease Expires. I leased a new XXXX XXXX XXXX. XXXX  changed the heavy engine to a lighter engine on the XXXX models. The car was much louder, and after 2 days I returned the car to the dealership and I got my XXXX XXXX XXXX back. 

The only way to settle the issue was to lease the next model up, a XXXX XXXX XXXX. It cost me more money, but the car was considerably quieter. It took four weeks to settle the issue and I was 30 days late on the payment that the dealership promised to make when I bought the original car. I was committed to buying a new car, which I did. Nissan Motor Acceptance Corporation and the XXXX XXXX XXXX XXXX have hurt my credit. They have exposed me to higher interest rates because of this negative report. But what adds insult to injury is that I bought new cars from them! 

XX/XX/XXXX. My daughter and I were rear ended by a hit-and-run driver. Our injuries have been difficult to overcome, along with dealing with the insurance company. We hired an attorney and XXXX did settle with Nissan Motor Acceptance Corporation, less {$1000.00} deductible. I paid the {$1000.00} deductible myself and the attorney is working to get XXXX to get me reimbursed. I have lost work as a result of the accident, and have been further damaged by Covid-19. 

I have pleaded with Nissan to stop reporting negative information on my credit bureau, because the late pays were not my fault. You can see I pay on time. Nissan and XXXX  are extremely difficult to communicate. They w
Product: Credit reporting or other personal consumer reports

I was at work all day XXXX on Monday XXXX, 2023. I got home, checked my email and saw that my primary bank XXXX had sent me an email congratulating me on a hard inquiry. I checked to see what in the world that was about and saw that Capital One NA had made a hard inquiry on my credit. I was at work all day long and with absolute no interest what so ever in obtaining a credit card. I immediately took action and followed what XXXX said to do, which was to contact all three credit card bureaus, I called XXXX first and the lady helped me by alerting the other credit bureaus and adding an alert on my account. I'm really scared that I'm a victim of identity theft, I have no interest in obtaining a credit card at the moment due to me working really really hard on paying off all my debt. I'm really upset that this happened please help...
Product: Credit reporting or other personal consumer reports

I got a call from California Business Bureu which is collection agency, saying that I was in collection from a medical bill. I got the information and clarify to them that the person they were looking for was not me. I went to the hospital that they were stating I had the outstanding balance and they had no records of me, not with my name, date of birth, phone number or social security number. I called them again and explained to them the situation and again said it was not me and the following day they sent me collections.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX  # XXXX
Product: Debt collection

LVNV placed a collection on my credit for the amount of XXXX that i do not owe.I have never heard of this co.I was not notified by mail or phone only to be contacted by a Summons to Justice court about a suit for a bad debt owed. This has caused damages to me and my family. My character has been greatly defamed because of this Summons that was placed on my door post for all to see including the mailman. Not only am I to fight in court on XX/XX/XXXX, over this FRAUD. I want this case dismissed and not have too appear in court. 
I was also contacted by a credit bureau telling me i have a negative mark on my credit. I do not owe this company and I have never done business with this company. Now I must go to court over a debt that I dont owe Plus my credit has been damaged because of FRAUD. PS if i owe this show me something with my signature on it i can guarantee you can't. This was placed on my credit I want this fixed and my credit restored.It was placed on XX/XX/XXXX. And this Court case dismissed also because of FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed some furniture through Acima credit and they tried to hijack my checking account and have hijacked my credit report. They initially altered the terms of my original contract without my consent and increased the agreed upon billing amount from {$40.00} per week to {$170.00} per month. After several arguments about this over the phone where a representative tried to convince me that this is what I had agreed to, I requested a copy of the contract and was repeatedly denied a copy of this. Meanwhile, I received several phone calls daily from various unidentifiable phone numbers from people who identified themselves as representatives of Acima demanding bank account information or debit card information to resume payments. I made these people aware that I do not disclose this information to anyone for any reason and requested that a copy of a billing statement be mailed to me. They once again repeatedly refused claiming that they were a paperless company. I made several attempts to remedy the situation over the phone and was even denied a physical address where I could remit payment without having to provide information over the phone. This went on for several months. The entire time Acima has reported negatively to all three credit bureaus about this account while refusing to bill me or accept payment in any form other than over the phone.
Product: Credit card

I payed off my credit card and the account is closed.Chase is giving me the run around about refunding my overpayment of {$290.00}
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX -- -- -- -- -- -- Account # XXXX Account name : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account # XXXX Account name : XXXX XXXX Personal Loan -- -- -- -- -- -- Account # XXXX Account name : XXXX XXXX / XXXX -- -- -- -- -- -- -- -- -- -- Account # XXXX Account name : XXXXXXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

TD Bank states on their own website that they will not charge an overdraft fee for transactions under {$5.00}. I had a XXXX XXXX charge go through and they charged me the {$35.00}. They do this all the time. They lie. I want my {$35.00} back. They should not be allowed to do this. If they do it me they do it other people.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX XXXX XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the XXXX XXXX XXXX XXXX  to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Student loan

I have now waited months to receive any adequate information regarding my transaction history dating back to the beginning of the Covid-19 forbearance period. If I can not have access to this information, how am I supposed to make an educated decision with regards to how much I request to be refunded, or if I should request one at all? MOHELA is stalling, as they have been for months. I have sent them at least ten messages and received a reply stating refunds are delayed an additional 60-90 DAYS?! From when? This is madness, if I owed money my wages would be garnished by now. No information, no answering phone calls after hours on hold to be left on the line after two hours and then the elevator music just stops? Then to top it all off, no refund, and no idea how much it will be for. Help
Product: Credit card or prepaid card

I have worked with Capital One 's Quicksilver Fraud Department and the recommended I report to the CFPB about an ongoing person or persons trying to open another credit card in my name ( report # XXXX ). There has been several attempts on doing this that I've managed to stop with the help of Capitol One. 

In addition, since approximately XX/XX/2023, there has been several attempts on the website XXXX and XXXX to use my old and expired drivers license to collect house deposits for rental properties in the state of Wisconsin where people have lost money only to find out it wasn't me. This has been reported to XXXX XXXX ( WI ) PD as well as XXXX ( WI ) PD. These police departments informed me of the fraudulent postings of my name in XXXX and Minnesota doing the same thing. 

I hope that you can assist me in protecting myself or guide me to further assistance in this matter before something bad occurs to me. 

XXXX XXXX XXXX
Product: Debt collection

This complain is regarding XXXX XXXX and their collection agencies brutal and dishonest practices. I was on deferred plan to pay my gas bill back in XXXX. When I moved out of that rental place and closed my utility account - I recieve my final bill. Since I was keeping very accurate records - I noticed immediately that my last bill for that account was inflated - it looked much higher than I estimated. I disputed it directly with XXXX XXXX and sent them my detail excel spreadsheet reconciliation showing how much you date I was billed for and how much you date I paid. They never even bothered to counter back and show why they think their calculation is correct. They just responded back that if I don't pay the remaining balance - they will make sure to ruin my credit score. And they did. As the last attempt, few months ago in 2020 now I attempted to resolve this matter with their collection agency. I even offered to settle the amount that I didn't owe in the first place. Well, the collection rep. had a very big mouth and nasty attitude ( no shocker ) and said that no matter how much proof and reconciliation I sent to her or to XX/XX/XXXX - it won't matter because I quote " they are always right. '' I feel insulted and unprotected as a hardworking consumer because monster companies like XXXX XXXX allowed to monopolize and overrule the utilities market and abuse their consumers rights. I'm not building much illusion that this complain will solve anything. I'm just putting it out here in hopes to make it public and see if the class action can be initiated against these monsters.
Product: Checking or savings account

Suntrust froze my account on XX/XX/2019 said was due to close account because is under investigation for fraud dept. I received wire funds for sale from estate items. Which was about {$34000.00}. The bank said it was closing my account because of rules and regulations. I received a notice XX/XX/2019 of the account closed. When I called the bank to see if my funds are being sent to me they are telling me now there is a hold on this until XX/XX/2019. This has caused me so much grief is there anything I can do to get my money. At closing of the account there was still XXXX in my account. The person who wired the money even try and call bank and nothing. Please I need answers and my money back
Product: Mortgage

Nationstar has not provide correct information about my account since the first transact XXXX 2013. 
They opened a new account XXXX 2013. I was not provide a payment schedule, coupon book. 

I have faced tremendous loss since XXXX 2013.
Product: Credit reporting or other personal consumer reports

XXXX closed my account yet its still reporting late payments and balances.with the federal law 15 usc 1681 i was promised accuracy in my report .since this information cant be validated or verified.I want that information about balances and late payments be removed according.also based on FCRA law my information was exposed in a data breach as a result of this reporting on my credit that was done without my permission
Product: Debt collection

The original creditor ( XXXX XXXX ) has fabricated charges and sent them to a collections agency. This has been my complaint from the beginning that the collections agency is attempting to collect on charges they are not valid and hurting my credit at the same time. The collections agency has made no attempt to verify the charges other than asking the original creditor ( XXXX XXXX  ) and then taking their answer at face value. Their ( XXXX XXXX ) bill is just something they have typed up and should not be accepted as factual evidence to substantiate charging me or validate the collections agencies attempts to collect from me. The original creditor ( XXXX XXXX ) should need more proof than their word and a bill they created that I have never seen up until now and the collections agency should want more as well if they plan to collect the money. I think its absurd a company can just claim someone owes them money with no proof other than a bill they made and their word that has already proven to be unreliable.
Product: Debt collection

This company contacts me up to 5 times a day 5 days a week. They contact my work number even though I have told them I can not receive calls. They contact my husband and my elderly father in law on their personal cell phones. When they contacted my elderly father in law they lied to him and said they were from the hospital. They are harassing me!
Product: Student loan

Nelnet changed my monthly payment from {$38.00} to {$460.00} even though I was under Covid forebearance. I stopped Auto debit because of this. The company refused to do a call back to resolve.