23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid off my collection. Yet its still on my report. Pay to delete
Product: Debt collection

I received a call and all they would state is they had a personal matter for XXXX XXXX They asked if my birthdate was in XXXX. They did not state who they were and would not answer that and wanted me to finish my full date of birth if I was XXXX XXXX When I refused as I stated I had no clue who they were and don't feel comfortable giving my personal information out, the caller ( female ) got extremely rude to me. And in a yelling tone kept harassing me as to if I'm XXXX XXXX and what is my full date of birth. She then asked where I lived. I said I'm not answering that either. She asked if I ever lived at a former address she noted. I said until you tell me who you are, I'm not answering any of your questions. She would not state who she was ( what company she worked for ).  She got extremely rude at that point, raising her voice and ridiculed me, continued to harrass me for personal information. She has since called again and continues with her rude tone asking for my full date of birth. 
I called to complain and the person that answered stood behind their employee and did nothing. They are now harassing me via email. 
She is from the Stark Collection Agency.
Product: Credit reporting

A new employer has been added but I am both XXXX and retired. XXXX XXXX has also reported fraudulent activity related to my card and reissued new card. )
Product: Checking or savings account

I opened up this checking account on XX/XX/2022, for the bonus promotion. I deposited {$75000.00} on XX/XX/2022 and ever since have held the money in my checking account.. I should have received a {$1000.00} bonus per the terms and conditions of the bonus. I still have not received the bonus. Please credit my {$1000.00} bonus as the terms stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have read the company 's response, but they did not address my incorrect " score factors. '' I have 2 hurting score factors. 1 ) " you have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report. '' I would like the company to either prove this to me, or remove this negative " score factor. '' In THEIR OWN credit report of my history, I see no serious delinquency EVER nor do I see a derogatory indicator on my credit report. So, this " score factor '' HAS to be corrected or I NEED PROOF of where this negative " score factor '' is coming from. 
2 ) " You have few accounts that are in good standing. '' I NEED an explanation for this. EVERY SINGLE account on my TransUnion credit report is in GOOD STANDING. What is few accounts? Is it a certain number of accounts I need to surpass? Or, are they implying that I have some accounts that are NOT in good standing? If so, I need PROOF of what is not in good standing. My credit report PROVES that all my accounts are in good standing, that is ALL 20 ACCOUNTS IN MY HISTORY ARE IN GOOD STANDING. 

I understand their response in terms of credit score, but the company completely pivoted away from my complaint of the incorrect " score factors. '' They did not address the flaw in this reporting. My credit report is flawless according to the company, which is true, but my " score factors '' are detrimental WITHOUT PROOF of how they are detrimental. My 2 hurting " score factors '' need to be removed immediately or proven to be true, as my credit report proves otherwise.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to Bank of America to request a credit card to star building my credit here in USA. For that they asked me for {$300.00} dollars as a deposit to have my credit card, I made the deposit, and I got my card. I was promised to have a credit line increase to {$1000.00} and my {$300.00} back after been using the card and getting my credit score better, but this never happened. Last XXXX XXXX I made a payment to the card of {$150.00} dollars then, I checked my available balance to spend in the card, but the balance was not reflected in the card, so I called to the banck and they just told me that my card was cancelled. They never notified me, not called me, not emailed me, nothing. 
Now they are asking me to pay the balance in the card, but they shut give me my {$300.00} dollars back I think.
Product: Student loan

Gave misleading information about income based repayment and did not allow for my grace period when I took a term off school or had gaps in education. Did not fully disclose my options for repayment.
Product: Credit card or prepaid card

My XXXX year old father went to his PNC Bank in XXXX MD with a withdrawal slip in hand to get cash from his checking account. He does not use the cash machines at his age. 

My father asked XXXX at the PNC Bank front desk to help him fill in the withdrawal slip to get {$400.00} cash from his checking account. Instead XXXX talked my father into getting a second credit card ( he already has a XXXX credit card from this bank and puts about $ 1,000/month on it ) XXXX neglected to tell my not-tech savvy father that this new credit card had a annual fee of {$85.00}. My father didn't need this, didn't want this and asked me to help him figure this out. Shame on you, XXXX! 

I'm sure XXXX decided her signing bonus was worth more than talking an elderly individual into something they didn't want or need. I find that reprehensible. 

I am ... a daughter who is helping her father stay independent by being his bookkeeper.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

The items below should all be updated to paid as agreed on my consumer report.
Product: Student loan

I received my credit report and Sallie Mae is reporting my student loan in XX/XX/2010 late and reported me as 90 days past due. Now, there are NO other months reporting my account late. Just XX/XX/2010. How can I be 90 days late, if they are not showing any other months being late. I called and talked to Sallie Mae several times and they keeping telling me, that the information is correct and there is nothing they can do. 
How can I be 90 days past due, when there are NO other months showing me late? 
My credit has been ruined because of this. 
Please help me solve this problem, and get my credit restored. 

XXXX
Product: Debt collection

A salesman came to my house selling a bathroom remodel. Basically, his company would provide me with a new bathroom. However, he stated once my husband and I talked it over and not comfortable with the options we could reach out to him in 3 days and cancel. The next day a gentleman came to our house to go over the project of remodeling the shower only and he explained we had to pay for vanity, flooring and facets. In other words, we would pay {$11000.00} for a shower and I said no thank you. I called the salesman, and he said that I was going to make him look bad because I decided to cancel this project. I explain to this salesman that I thought we were getting more than just a shower upgrade and that I did not think this project was worth {$14000.00} with taxes. After that I started receiving threatening calls and emails from Momnt that I owe them money for a bathroom/shower installation. I've reached out to the XXXX XXXX XXXX  and other agencies to help clear this matter up and since XX/XX/year> to no avail. Momnt has continued to harass me since the contractor took out a loan with them and trying to get me to pay for it. I DO NOT HAVE A REMODELED SHOWER OR BATHROOM. I will not pay for a remodeled shower/bathroom I do not have installed in my house.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$94000.00} XXXX XXXX  XXXX Balance : {$8300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This company ( Premier Account Management ) and its XXXX  employee ( XXXX XXXX ) are the epitome of UNPROFESSIONAL and DISRESPECTFUL! I received a text on XX/XX/XXXX being accused of misappropriation of insurance funds and theft of services ( which are all LIES ) and that I needed to contact that company that very day or they would go ahead and file a motion against me the following day. I contacted the number in the text regarding the frivolous lies and was met with a NASTY attitude by XXXX XXXX. He screamed at me while telling me he would " XXXX XXXX XXXX XXXX XXXX '' He repeatedly yelled that I stole money that did not belong to me and would hardly let me get a word in. He also referred to me as a " XXXX XXXX '' ( which I find highly offensive XXXX XXXXXXXX seeing as how I'm an XXXX XXXX XXXX ), he brought up my family members ( living and deceased ) that has nothing to do with this situation, Again, I was threatened with XXXX  and how he would get the Attorney General on a three-way call ( didn't have enough pull to pull it off, lol ). I was also threatened with a lien on the home and they would start foreclosure proceedings. Like I told XXXX XXXX I attempted to pay this company, but I was NOT going to pay them the XXXX they wanted instead I was going to pay them the XXXX I received from the insurance company, because they damaged my personal belongings and property and did NOT deliver on the services that they guaranteed. XXXX XXXX told me to get my debit card out because they would accept the XXXX. I asked for proof/verification, and he said he would send it via email ( NEVER received it ). After thinking about it, I told XXXX XXXX and a XXXX XXXX who was now on the phone that I would rather pay the company directly because I did NOT trust them at all after being berated and demeaned. They told me that was not an option, and they would call the company on three-way to verify that they would not accept the payment directly from me ( which they NEVER did ). This XXXX XXXX  company needs to be STOPPED!
Product: Money transfer, virtual currency, or money service

I was trying to add a new number to my Coinbase account since my att account was suspended and I got a new number.I called their customer support on XX/XX/18 at around XXXX for help. The rep told me to reset my password and in doing so I was locked out of my account for 2 weeks. They said someone would contact me so I could get my new number on their but that never happened ( what a surprise ) .only way I could access to my Coinbase account was to restore my old number so I payed {$270.00} to get my service back. When I was able to get back into my Coinbase account I was not able to buy or sell and all the stuff I verified was no longer valid. I was planning on using the money in my Coinbase to replace the {$270.00} I had to spend but I cant. Ive been going through financial struggles and cant even get access to MY money because their rep gave me bad information and now Im the one that has to suffer. Im tired of companies like this taking advantage of hard woriming people like me. I have 9.5 litecoin which is worth about {$700.00} at the moment and thats money I really need. Ive called numerous times but their customer support is useless if their rep had never gave me that information I wouldnt be in this situation its really messed up I have to go through this but they can make a mistake like this and walk away scotch free.
Product: Credit reporting

Trans Union - Should be removed with bankruptcy discharge XX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX REV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLast Past Due : XX/XX/XXXX90+ Days : XX/XX/XXXXXXXX : DEBT INCLUDED IN OR DISCHARGED THRU BK XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATXXXX : BANKRUPTCY CHAPTER XXXX XXXX XXXX XX/XX/XXXX XXXX REV RevXXXX XX/XX/XXXX C XXXX XXXX XXXX XXXX XXXX XXXXCreditCardXXXX XXXX XXXX230 Days : XX/XX/XXXX60 Days : XX/XX/XXXX90+ Days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting yout this CFPB Complaint today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ), the Credit Reporting Agencies ( You ) shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. Please comply with the law.
Product: Student loan

I am a co-signer with College Avenue for my daughter 's student loans. She called in XXXX and again in XX/XX/2023 to make arrangements due to payment error. She resolved issue and was guaranteed this error would not go on her credit report. On XX/XX/2023 this showed up on hers and mine. She has called 4 times within XXXX hours to be told it is escalated but she is passed off to another person. Also, as a co-signer I was never notified at XXXX of any issue regarding account.
Product: Debt collection

my name is XXXX XXXX i am writing you once again to complain about midland credit management a dept collector for violating my rights yet again as i have written this dept collector in the past and asked that this so called dept be validated and clearly i am feeling harassed and also in a deep XXXX over these tactics. 
the law states 15USC 1692 ( C ) ( A ) a dept collector may not communicate with a consumer in connection with any dept they are also in violation of 15USC 1692 ( B ) ( 2 ) AND ( B ) ( 5 ) 15USC 1692 ( D ) ( 2 ) STATES a dept collector may not engage in any conduct the natural consequence of which is to harass, oppress or abuse any person in connection with a collection of a dept with out limiting the general application of the foregoing following conduct is a violation of this section ( 2 ) the use of obscene or profane language the natural consequence of which is to abuse the hearer or reader 15USC 1692 ( B ) AND 15USC 1692 ( C ) ( A ) for all of these reason and more enclosed is all of the proof you need to see and also letters already sent certified mail with receipts
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a certified letter to Equifax disputing incorrect personal information on my credit report, including outdated addresses, incorrect names, and other personal details. Some of the addresses listed on my report are places where I have never resided. I also provided supporting documentation, including my passport, Social Security card, and a bank statement with my correct address. 

I initiated this dispute not only due to the inaccuracies but also due to concerns over recent data breaches involving consumer information. These breaches heighten the risk of errors and identity theft, which is why it is crucial that Equifax promptly corrects this inaccurate information. 

Despite this, Equifax has failed to respond, and none of my personal information has been updated. This is the second time I have disputed these inaccuracies, and Equifax has failed to meet their obligations under the Fair Credit Reporting Act ( FCRA ). 

According to 15 USC 1681i, Equifax is required to complete an investigation and correct or remove inaccurate or unverifiable information within 30 days of receiving a dispute. It has now been well past 30 days since they received my certified letter, and they are in clear violation of this law.
Product: Mortgage

Hi Chase is harassing me for a payment that I made. But they refuse to look at the proof and keep at it.
Product: Mortgage

Approved for a loan by Amerifirst loan officer XXXX XXXX. His company is unprofessional, disorganized, and cost me time and money. 


There was a credit issue that was seen in the initial credit check which was ignored and inevitably cost me the loan financing! 

Due to XXXX incompetence, I also lost my earnest deposit as it was XXXX who said we were good to go removing loan contingencies!
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX OHIO XXXX XXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXX OHIO XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$790.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$640.00} XXXX XXXXXXXX Bank {$420.00} Date Opened XX/XX/XXXX XXXX XXXXXXXX Bank Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report on XXXX  that does not belong to me from XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CAPITAL ONE and XXXX XXXX XX/XX/XXXX and ive reported this to them on numerous occasions as well as sent in police reports and they refuse to take them off. I also have and XXXX/XXXX account on my XXXX in the amount of {$1400.00} that does not belong to me and is showing that is a late payment from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian all three fail to investigate any of my disputes. Incorrect reporting from credit accounts for example I have an closed discover account that have been paying since XX/XX/XXXX till XXXX the balance is showing XXXX $ but between those date i paid off XXXX $ bringing my new balance to XXXX as of XX/XX/XXXX. When i disputed this matter with XXXX I couldn't due to an unknown reason, with XXXX they claimed the information is accurate, lastly with Experian its saying I'm unable to even view my credit report or dispute anything.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a complaint against XXXX XXXX XXXX XXXXXXXX stating that I am not liable for this debt with XXXXXXXX  I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested. I have requested the original contract twice and it was NOT provided to me. They did removed the account but then somehow sold it between XXXX of XXXX  to a new company Named XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX, I am not liable for this debt with XXXXXXXX they did not provide me with the original contract as I requested.
Product: Student loan

My student loan debt went from XXXX dollars to XXXX dollars due to interest. I have tried many times to get the monthly payment down to where I could afford to pay, but they would not and only offered me deferments. Their websites are difficult to navigate, and to try to speak to someone on the phone is pointless they have thick accents which make it difficult to understand, and they can never do anything to help you. There is no way I can afford these monthly payments, I am XXXX years old, live paycheck to paycheck and having an XXXX mother who lives with me. I first became unable to pay my monthly fees when I was divorced in XX/XX/XXXX. I had to quit full time school, and I just took courses until I finished with my XXXX degree ( XXXX degree ) in XX/XX/XXXX. Whatever help or information you can give me would be appreciated.
Product: Credit card or prepaid card

I have been charged with very high interest and my credit line was reduced.

My balance went from {$3000.00} to {$5200.00} I pay every month yet the company keeps reporting delinquent on my credit reporting which significantly reduced my credit score. They company have reduced my credit limit from {$9000.00} to {$5100.00} which makes my utilization insanely high. I have tried to contact the company on XX/XX/2023 and was put on hold then the phone cut off. I called back the same day and the same thing happened. I am always receiving phone calls threatening me with collection.