23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I took out a payday loan, and because of a medical issue was not able to pay back as agreed. I contacted them to make arrangements to pay them back. They were very unreasonable with these arrangements and I told them I did n't think the structure would work. They began calling me all day long, on my work number which rings into my assistant. I called them and asked to please quit calling my work as I had been out ill and if they keep calling I could loose my job. After I asked them to quit calling that number I have received 5 more phone calls from them at my work number. I ca n't even count the number of times they have called me on my personal number It has to be in the hundreds
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent an Affidavit of Truth, FTC report, dispute letters and invoice for violations in accordance with the Fair Credit Reporting Act. According to law, if my Affidavit of Truth does not have a rebut within thirty ( 30 ) days of date of receipt shall convey assent to, and agreement with all the facts within the Affidavit and invoices shall be payed in full. To prevent being charged for actual damages and/or criminal charges, a rebut of the Affidavit or removal of items in dispute letter and payment of invoices shall be received with the thirty days.
Product: Student loan

On XX/XX/2020, ED FINANCIAL SERVICES L Opened an account in my name for Education Loans in the amount of {$3000.00} and {$3200.00}. I tried to contact them several times on or around XX/XX/2020 in regard to this matter, however, I was being transferred to all the wrong departments and didn't receive any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has not responded to my attempts to solve an error on my credit report for months. I have contacted the XXXX on XXXX and XXXXXXXX XXXX has not responded back. The XXXX  sent me a message on XXXX saying that they would send them another request for mediation. I have also contacted the office of Pennsylvania Attorney General consumer complaint on XXXX. XXXX federal has not responded to the Attorney XXXX request for an investigation into my account and credit report. XXXX XXXX has stop replying to my e-messages on the XXXXXXXX XXXX portal. And they have refused to reply to my XXXX demand for arbitration. XXXX XXXX must engage with their customers and allow us a venue to solve our disputes.
Product: Debt collection

Debt been on my report since XX/XX/2019. To my knowledge I haven't received any thing in the mail about this debt from this collection company. To my knowledge this debt can not be collected in the state of TN. Due to the research I have provided.
Product: Credit card or prepaid card

XXXX XXXX offers a credit card to help pay for items in the store with 0 % interest for the first 12 months. The credit line is offered through XXXX. After 12 months, instead of applying interest from Day 366 on, they apply the interest accrued from Day 1 to  your next bill. However unclear this was to my wife and I when we got the card, the real issue is in the handling credit institution 's communication of our statements and bills. 

The only place that you can find the expiration date for the promotion is in the billing statements, which is not in the same location on the site as the billing / payments portion of the site. Meaning, if you opt for paperless billing ( which we have ) and you don't know where to find this information, you will not receive a notification of when this amount will apply to your bill prior to the bill that shows up with a hefty sum of interest that's been accruing in the background for the previous 12 months. For XXXX XXXX to offer this 0 % interest for 12 months deal, but not clearly define the parameters, is shady. One might expect me to keep my eye on the calendar, or mark the final due date. But I work in communications, and I know that it's the communicating party 's responsibility to offer this information explicitly if they are the ones offering the deal. 

My situation : I aimed to pay this bill off over the course of a 12 month period, not knowing exactly when that 12 months would expire, since I thought I would be notified at some point that the promotion was ending soon. On my latest bill, I should have owed {$220.00}, but the bill instead was for {$440.00} which includes the interest accrued from the last year. I called the company to ask them to remove the interest from the bill, and explained that I wasn't notified of the promotion ending soon, but they didn't care, and weren't helpful. The promotion ended on XX/XX/2018 and I paid the {$220.00} today, XX/XX/2018. With little more than a month passed, surely I'm liable to receive some grace? 

One should expect, in this 2018 world of AI and automation technology, that if a company is offering paperless billing at some point in the payment process or notification process associated with that billing the customer should be offered some notification of when their promotion is ending. Then again, I suppose I should expect no less from a company that's only interested in taking my money, and any interest they can apply to it. That doesn't make it right, and it doesn't mean that companies like this shouldn't be held accountable for their disinterest in providing transparency for their customers.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. XXXX  XXXX bal. {$280.00}
Product: Mortgage

I am confused as to how I have an escrow account now when I have never had one from the time the mortgage was established.. 
Also, I have always paid my insurance and property taxes separately. 
All the taxes have been paid from previous years, and 2020 to the present and there was no impound account set up to my knowledge.. 
I don't know how my mortgage payment has changed from {$1100.00} originally to {$1500.00} with no clarity as to what's being added to it.. 
Please see attached statements, along with my property taxes checks, and insurance documentation.. 

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

Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have a Best Buy store credit card, and was enrolled in the debt protection plan on XX/XX/XXXX. I have a letter sent to me by Best Buy Credit Services that also confirms that date. 

Over the past 6 years they have collect $ 800+ from me for this " protection plan ''. 

I called and cancelled the service in XX/XX/XXXX of this year and applied for a full refund of the funds. I was sent a letter back declining my application for a refund due to : " Account was protected by the program benefits through the end of the billing cycle in the month in which you cancelled, any previously billed fees are valid and non-refundable. '' I've never once received any assistance from this program, and the above language makes absolutely zero sense. 

I found the document file number : XXXX that is a consent order given to Citibank outlining the exact thing that I was hit with. Page 4, section c states : " 'Affected debt protection customer ' is any person who on or after XX/XX/XXXX enrolled in : Credit protection at point-of-sale terminals or balance protector at point-of-sale terminals at specialty services desks, except for such customers who submitted a claim for benefits pursuant to the respective product 's terms and conditions and were paid a benefit, or who signed and returned to respondent an acknowledgment of membership form after enrollment '' I do not ever remember accepting into the program, and I certainly didn't fill out a membership form. I NEVER received any letters or emails from Citi regarding the {$700.00}  XXXX they were ordered to pay back to their customers. 

I was a XXXX college student, who had to buy a computer in order to finish my education. Of course having a 0 % APR for 2 years is extremely appealing when that's the exact time frame of you getting out and getting a real job. In the 10 years I've had their card, I've never missed a single payment. It disgusts me to find that I'm only one of millions that got scammed out of cash just so a corporation could make a few extra . 

I would give an exact amount, but I can't seem to get a complete lists of all my statements since XX/XX/XXXX from Best Buy. 

Any help in this situation would be extremely helpful. I've called their customer service number many times, but without fail I'm put into a never ending loop of forwarding to departments. 

Regards, XXXX
Product: Debt collection

Ragan and Ragan are garnishing my wages at 25 % per paycheck which is XXXX bi-weekly. I can not afford this and I did not receive any notification. I called them today and they said they can not stop it and to file bankruptcy to stop it. This is so unfair and I can not survive like this.
Product: Student loan

I was never given the options for for the income based repayment option. Only forbearance and deferment. They payments were always more than what I could pay. When I did ask about the IBR options I was told I would not qualify with the status I was in due to exaughsting forbearance and deferment options and I would have to pay back at an intolerable amount each month. After a year of rehabilitation got on a program where I could actually afford the payment. Since this option was not made available anywhere near the beginning of my student loans my debt has more than doubled. There is a large amount of service fees that were added and my credit score has been severely affected. I have only recently been able to get a car loan and the interest rate I had to settle for is well above the national average.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX  Acct # XXXX... 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. 

I contacted " XXXX, Transunion, and XXXX " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 


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

I was recently given a 2 month extension on my lease as assistance because of the government shut down. I was assured that Chase was doing this to help us but they failed to process the extension correctly and reported the loan as 30+ days late when its not late due to the extension. I have called several times and they have failed to update it to correctly report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Accurate Background e-mailed me a Background report. The report was inaccurate, specially it listed a misdemeanor charge XXXX XXXX XXXX that does no belong to me. As of today, I have not received a correction to this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to you today as a follow up Complaint to the recent CFPB Complaint I previously submitted requesting the deletion of the fraudulent accounts and information from my Credit File. Let me remind you that under the Federal Law, Fair Credit Reporting Act section 605b, you are required to remove any accounts and information that resulted due to identity theft. Therefore, it is expected of you to remove the accounts and information I have been disputing. You have not complied with the Federal law, and continued reporting the disputed items as if they are accurate which is a major violation of my rights under the FCRA section 605b. I request of you once again, to remove the following items off from my Credit report as soon as possible : 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 I previously requested that you send me copies of proof of verification or any documents supporting your claims that the disputed items are accurate, and yet I received nothing. Under the Fair Credit Reporting Act, your inability to send me the needed documents should have resulted in the deletion of the disputed items.
Product: Checking or savings account

On XX/XX/year> i filed a dispute with my bank Wells Fargo. It was a new account and for about XXXX weeks I had never received my debit card in the mail or activated it. On XX/XX/year> my phone was lost. The following day i went a bought a replacement phone. Upon downloading my apps i noticed that money was missing from my Wells Fargo account and that it had been withdrawn from an XXXX with my debit card i never received in the mail. Also there were failed transactions on my cashapp account. So I assumed whoever found or took my phone also had their hands on my debit card. The total amount including atm fees was {$700.00}. After making my dispute it was denied on XX/XX/year> despite Wells Fargo knowing i never received my debit card in the mail. They sent a letter to detail why my claim was denied but I have not received it yet.
Product: Mortgage

In XX/XX/XXXX, I paid my mortgage as usual ( automatic payments ) Towards the end of the month in XX/XX/XXXX, I got the the money credited back to bank account. When I finally got in touch with someone ( after numerous attempts of being left on hold for 40 minutes+ ) they  explained my taxes hanged therefore my payments increased slightly. Because of the increase, my payment wasnt considered a full payment so it was returned. I asked about being informed of this and was told I should be getting the notice any day. Why wasnt told about this prior to the payment due date?!?! Needless to say I sent a double payment to cover XX/XX/XXXX and the XX/XX/XXXX payment which was refunded, enough to cover the increase. I have paid every month since! I continuously get calls and letters and that I am in default of my mortgage! I called 4 times! First, they apologized and explained that since it was a double payment they applied the additional money to my principal rather then applied it as my regular payment. I continuously call and Im told they fixed it and reapplied my payment appropriately and the calls and letters are an error and to ignore them. However, they are saying my loan is in default and have reported consistently to my credit that I am not paying! When I called and explained this they told to write a letter to the credit bureau!!! But yet I got another letter today saying Im in default and get calls from them 5 times a day asking to call them for a collections matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXXXXXX XXXX never late
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on a hardship program with Comenity Bank for New York & Company credit card that began when the pandemic began as of XX/XX/XXXX, the hardship program only lasted 12 months. The agreement was that there would be no negative reporting to the credit bureau during this time. I have made all payments during this hardship program. I had a payment that was due on XX/XX/XXXX and due to financial struggles I did not pay until today XX/XX/XXXX, I made payment 10 days after due date and New York & Company has marked my current status on my credit report as delinquent and they did for several months after the hardship began even though I was making payments. Due to the agreement and me making payments, this creditor is falsely reporting my account as delinquent. XXXX  will not allow me to dispute the item stating that I already disputed this information although it was a new late payment added as of XXXX XXXX and a new status update as delinquent causing my credit score to drop XXXX points, they will not allow me to even dispute this which is illegal!!! XXXX XXXX XXXX or XXXX  refuses to correct the error although I have uploaded documents showing payments I made on the account showing I even paid the amount due. What else can I do to stop these creditors and credit reporting agency from reporting INACCURATE information and not allowing me my legal rights to dispute a transaction. XXXXn does not answer any calls for me to contact them.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report, and noticed several fraudulent accounts, and this is hurting my ability to get credit. This is something that goes against fair law, please remove these fraudulent accounts.
Product: Debt collection

This is from an XXXX Service. They have called many times ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have been calling twice a day. I do n't answer, but when my machine picks up, they hang up. The number is XXXX. I am not sure if this is collections and they have the wrong person.
Product: Debt collection

Reference account # XXXX. 

Loan obtained a few years ago. Was in good standing until I lost my job. I am now unemployed and the loan Has insurance protection if loss of employment should occur. The company one main would not work with me and I am not able to make any sort of payments.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXXXX/XX/year>
Product: Mortgage

On XX/XX/XXXX, I opened a HELOC with U.S. Bank. Since opening : Initial Card Issues : Received initial card but it didn't work when activated When reported, was instructed to shred card and told replacement would come Replacement never arrived Multiple Failed Resolution Attempts : Called & chatted multiple times over past year requesting card access Repeatedly transferred between Equity Line team and Card Services team Each department claims the other is responsible Promised twice that new cards would be sent - never received Most recent attempt ( XX/XX/XXXXXXXX  ) - chat representative XXXX transferred me then chat disconnected. 


Financial Impact : Paying interest charges since XX/XX/XXXX without ability to access funds Can only access via checkbook, which wasn't the agreed access method Missed payment resulted in negative credit reporting Credit score damaged due to inability to properly access and manage account.

Current Status : Still no working card after 14 months, Continuing to accrue interest charges without proper access, Can not use HELOC as intended, Departments continue transferring responsibility.

Requesting : Immediate card access to funds, Review and refund of interest charges paid without access, Removal of negative credit reporting, Written explanation of delays and transfer issues.
Product: Debt collection

I receive dozens of calls from this company daily. All times of the day. Weekends, nights, holidays, it is incessant. They call my spouse, my employer, my family members, it is humiliating. When I asked for proof of this debt, it was never provided. Every time I block one of their numbers they come back with a new one
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORTING ORGANIZATIONS SHOWING ME RESIDING AT XXXX XXXX  WHICH I NEVER HAVE. ALSO SPEAKING WITH XXXX ( XXXX XXXX XXXX XXXX THEY STATED ACCOUNT /CREDIT CARD WAS ISSUED USING MY NAME IN XXXX FLORIDA
Product: Credit reporting or other personal consumer reports

I implore you to delete these inquiries. I am uninformed about them, and the company acted without consulting me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : XXXXXXXX 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