23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company in question was aware that I had moved out of the property. I sent them several communications and was promised to be contacted in regards to the matter, however, no contact was made. 
Over 2 years later, and I get a notice that they've put my account into collections without notifying me. Aside from that the collection agency told me that company in question informed them that I had filed bankruptcy, which had never happened. This is completely asinine that I have to now take time out of my work day to resolve an issue that would and should have been dealt with 2 years ago.
Product: Credit reporting

I have tried numerous times to get a free credit report and do the annual credit and it says the information i 'm not putting in is correct when I know for a fact it is, it ask strange questions about home loans being taken out in 2011 and i 'm only XXXX and have never purchased a thing in my life. So I definitely think something is wrong.
Product: Credit card or prepaid card

back in XXXX there have been charges from XXXX XXXX numerous times filled out their form sent to them by mail 2 days certified and until i believe XXXX the card usually was in my possession but at times was careless leaving in my pants purse i forgot washing machine pockets and never knew who charged XXXX dollars in charges between both of them usually they ask for id but in these cases they did not and also spoke with card .com not responding looked online card closed asked for new one police department said you need solid proof as a picture you just can not accuse i would like my new card and the money returned i have a car for years first a XXXX now XXXX and they ride nice also explained to them as well i could send my registration but that is personal and also my license my phone number is XXXX XXXX XXXX and XXXX is my personal email thank you i need the money back that i did not charge and will be out of till XX/XX/XXXX thank you i no longer use XXXX XXXX XXXX it is now XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I graduated with my XXXX in XXXX XXXX in XXXX XXXX and have been working in XXXX since my graduation. I expected after my first 10 years of working, my school loans would be forgiven under the Public Service Loan Forgiveness Program. I consolidated my loans through Navient and paid {$1000.00} - {$1000.00} a month starting XXXX XXXX and was never late on any payment. I overpaid on student loans and should be 3 1/2 years into the proper repayment plan to be considered for Public Service Loan Forgiveness Plan. 

I was told multiple times before XXXX not to turn in my PSLF Employment Certification Form unless I changed jobs because there was no need to do anything. In XXXX XXXX, I turned in the PSLF Employment Certification because I changed jobs in XXXX XXXX and I wanted my ex-employer 's form to be in the system. For the first time ever, I was told by Navient that my loans should be serviced by XXXX if I was doing PSLF, even though I had spoken with them about it on several occasions. For the first time, I was also told that I was in the wrong plan. I was told by a Navient representative that I should be on an income-based plan and my payment would actually be more than {$300.00} lower a month. 
In XXXX, XXXX, I transferred to XXXX and I was placed on an income-based plan. I now pay {$720.00} a month. 
I have documents showing that I was in the 10 year repayment plan and I was told multiple times that I was in the 10 year standard re-payment plan which would have still made me eligible for Public Service Loan Forgiveness. I was told by Navient that the income- based plan was a much higher amount, which I could not afford. This did not make sense to me but I was told that my representatives from Navient so I believed them, and I was told that I was in a proper repayment plan for PSLF. However, XXXX is now saying that I was in the wrong plan and wo n't give me credit from XXXX for my Public Service and payments, even though I was making less back then and paying {$300.00} more a month than I pay now. I have documentation from, XXXX XXXX, XXXX, showing that I was in the 10 year plan. 

I over paid my student loans by over {$3600.00} a year because of Navient 's misrepresentations to me since I would have qualified for an income-based plan. Also, my Public service should have been counted from XXXX, regardless of what payment plan Navient placed me in because I paid more than my current income-based plan, and I was told and have documents showing that I was in a proper payment plan for PSLF. 
My wife also had a similar experience with Navient and is filing her own complaint.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX, under the account number XXXX, and an credit card account opened at XXXX on XX/XX/XXXX and a Credit account opened on XX/XX/XXXX at XXXX Bank accounts number XXXX and a XXXXXXXX XXXX XXXX account opened on XX/XX/XXXX account number XXXX and a collections account opened aXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent tems. I do not recognize the aforementioned accounts, collections, or hard inquiries as a rogue credit report maintained by you were not opened, made, or injared by mo. Al of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and a copy of FTC identity Theft Criminal Complaint # ( XXXX number as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries closed accounts are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that the XXXX credit XXXX XXXX XXXX XXXX of the accounts, collections, and hard inquiries and closed accounts identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Vehicle loan or lease

I refinanced my vehicle in XXXX of 2021, and was owed a {$780.00} refund from Ally for the remained of the GAP coverage that I purchased with the initial finance. I was told I would receive the refund check within 60 days. The refund did not show up. In XX/XX/2021 I received a letter informing me they had mailed a check that had never been cashed, and if I had not received the check to mail the form back so a new check could be issued. I mailed the form back, and after 30 days still had not received a check. I called Ally on XX/XX/XXXX, and was told a check had been issued the week prior, and to allow another week for it to be delivered. The check never arrived, so I called again on XX/XX/XXXX to follow up. I spoke with an employee named XXXX, who told me they were having issues with a 3rd party company they used to cut their checks. I told him if they were issuing another check it needed to be send via XXXX  or some method with a tracking number. I told him if this wasn't resolved my next step would be filing a complaint with the XXXX. He said he would need to speak to his supervisor and call me back. He called back later that day, and said he got approval to send me a check via XXXX, but it would take 3 to 4 days before they could send the check, but that he would call me with the tracking number. After not hearing anything for 15 days I received a voicemail with a XXXX  tracking number XXXX. This tracking number pulls up a package that was delivered to XXXX XXXX, CA, but I live in XXXX XXXX, TX. I also have a XXXX XXXX XXXX account, so I am alerted anytime a shipping label is created that is sent to my address. I have not gotten anything from XXXX, so there was no label created with my address. They have either given me someone else 's tracking number, or mailed my check to CA. I believe I have taken all reasonable steps, and not gotten my money back. I need help as I am getting the run around from this company. I do not have a loan number, they use my VIN XXXX to pull up it up when I call.
Product: Debt collection

This was disputed twice recently deleted from my credit and now it's bank showing from a different debt collectors agency this needs to be removed please I've tried contacting this company to dispute it is difficult to contact office and staff was extremely rude vague and dismissive I was cursed at a few times and hung up on multiple times this is effecting my credit I am a single mother struggling to fix my credit to buy a home I really need this to be made right and go away it's been a nightmare
Product: Credit card

I timely filed complaints for incidents involving XXXX and XXXX XXXX. Problems with vendor continued. I refiled main complaints, i.e. complaint involving stream of complaints against vendor -- both known to turn the refunds or transactions around, i.e. issues full refund and later reverses refund and issues partial credit without notice and without report of what credit is for ( too subjective in decision making ), and bank also does not report when such change occurs. Criminal activities usually accompany such actions, such as stealing statements and record keeping and replacing with new statements, even if temporarily. After refiling main complaints, BarclaysCard stopped communicating. Didn't assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

account is showing as a charge-off account but account has been paid in full before it started reporting as a charge off account
Product: Debt collection

On XX/XX/2023 I wrote a dispute letter to NCB Management Services requesting that they provide me with verification of the alleged debt they are attempting to collect. I noticed that XXXX has made the account a charge-off on my consumer report with a {$0.00} balance and a 1099c was also suppose to be sent to me so I can file it on my tax returns as gross or ordinary income. If that be the case then how can NCB legally try to collect a debt impersonating the original creditor. That is against the FDCPA 15 USC 1692e False or misleading representations.
Product: Credit card or prepaid card

This Company named XXXX : by Goldman Sachs contacted me by email saying that I owe them money. I told them I never heard of them before, to please show me the Alledged Contract that I signed with them, because I always sign in BLUE ink. I have sent numerous letters ( which I have POSTAL ARTICLE NUMBERS to verify that I sent them letters telling them to validate this Alledged Contract ) asking for this proof of contract with two wet ink signatures, and they can't provide this for me. I need your help getting this proof for me because they purposely have harmed me, cost me higher interest rates and have cost me in POSTAL MAIL RETURN RECEIPT CARDS for proof of mailings. A LAWSUIT WILL BE FILED IN 30 DAYS UNLESS RESOLVED. 

Listed below is all the ARTICLE NUMBERS for letters sent. Please have them produce the documents sent that is attached to these numbers. 

1. ) RF XXXX XXXX 2. ) RF XXXX XXXX 3. ) XXXX 4. ) XXXX 5. ) XXXX 6. ) XXXX They will only give me the ending numbers to the card but they are two different numbers. One is ending in XXXX and the other is XXXX. 

They reported that I owe them a balance of {$2100.00}. I don't know how a company that I do not have a contract with can harm me and my family and get away with it. If this is not resolved ASAP I will contact the IRS ( audit ) and have them look into this bank also. 

We all want full disclosure and equal protection under the law. We refuse for the banks to steal our property! 

( FRAUD IN THE FACTUM, BREACH OF CONTRACT, and THAT THE ALLEGED LENDER IS NOT THE HOLDER IN DUE COURSE OF THE BORROWERS PROMISSORY NOTE ) PLEASE CFPB HELP MY FAMILY and I GET JUSTICE. If you can't do it the COURT can.
Product: Payday loan, title loan, or personal loan

The case number of my complaint with Affirm.com is XXXX. 

On XX/XX/2023, Affirm.com asked me to paid {$510.00} as a downpayment to get a loan number XXXX for the total amount of {$1000.00}. The loan was finally cancelled because I never received the product ( airline tickects by XXXX ). 

From that moment I tried by many ways to receive the money for the downpayment back, according to the deal between Affirm and me, but I don't have my money yet neither a feedback about the status of my refund. I have been trying to get some help with my XXXXXXXX XXXX but Affirm lied to them and didn't pay attention to my Bank ' complaint. My bank putted hands away because I have to do this by myself. I used Affirm @ help and other email to claim my money but they never respond to me. Every time I call to Affirm call-center, the person who answer said that they don't have any money from me, there's not info on my record. I'm desperate because I need the money to pay my bills and I don't understand how Affirm is stealing my money with no consequences. 

I need to recover the amount of {$510.00} that Affirm took from my bank account electronically to complete a loan process that was cancelled. The transaction wasn't completed, so the loan was cancelled but Affirm has my money from the downpayment.
Product: Debt collection

On XX/XX/2022 I received an email from XXXX XXXX  identifying himself as a debt collector stating that he was collecting on behalf of XXXX XXXX XXXX from original creditor XXXX XXXX  I received approximately 18 emails regarding the collection of True Accord Account # XXXX and every email XXXX XXXX  informed that my aledged account was red flagged from an outstanding debt totaling {$4100.00}. This account XXXX XXXX  was discharged and reported to the internal revenue service as an 1099C After receiving the collection emails without my authorization an consent I submitted a request fro validation under the fair ebt Collect FDCPA & FCRA Until this day they are continuing to report unverified information on my consumer file, True Accord also failed to validate the debt as required by federal law and under the new fair credit practices guides lines that are currently being implementation by the consumer fair credit beurer. I am requesting that the CFPB conduct an ivestigation into the unlawful collection practices and negative reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing information on the fedreal trade commission site, i found information for the breach settlement for XXXX. In order to verify your eligibility you must leave the XXXX site to go to the link to check for eleigibilty. I left the XXXX  site and was on the XXXX area. I placed my last name in and last six of my social security. The site stated that I was impacted and needed to file a claim. When I went into the claim area it said that the claim was expired but I could file an extended claim. It said I had a deadline, but the money may run out. Why would I have not been informed of such an impact that I am dealing with right now, since this is the 4th claim I have filed in the last month. I knew nothing about this breach.
Product: Credit reporting or other personal consumer reports

I am contacting you because I have found some information that is inaccurate on my credit report. 
The date you have this item reported as a charge-off doesn't match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 
The items in question are : the balance being reproduced as Incorrect in payment history After doing so please provide me with an updated credit report reflecting the changes. 

XXXX XXXX XXXX
Product: Debt collection

NCA ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you NCA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : NCA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, today is XX/XX/XXXX. Yesterday I received a dispute response from XXXX which really has me baffled and concerned about my credit report and how to keep it fit for the economy and country that I live in, the United States of America. 
In XX/XX/XXXX, XXXX added a delinquent mortgage account to my credit report. An account for a home that my ex-spouse resides. In the last two months the other two reporting agencies have added the default mortgage as well. My ex asked for the home in our divorce ( XXXX ) and was granted the home in writing by the judge of our divorce proceeding. He did not have my name removed or made any other attempts to show that he no longer wanted me to have a part of the home. He faulted on the VA loan and hasn't made any payments on the loan in almost four years. 

XX/XX/XXXX, he filed bankruptcy, which means he isn't responsible for payments, and can not be solicited for the payments, but I am. He lives in the home with his family, not me. I spoke to the newest mortgage company, XXXXXXXX XXXX XXXXXXXX, and asked them to foreclose the home or put it on the market for sale if I am the new responsible party because they will not adhere to the decree. The did not, and they also denied his paperwork for a modification for the loan and so did XXXX XXXX XXXX XXXX, the original owners. The first choice for them is to wait on me to make a payment and for him to live in the home for free. I will not pay a mortgage for a home that I do not reside. XXXX attempted to insert me into his loan modification in XXXX but he told me not to worry about it. I learned that I was to sign a quick deed, which did not alleviate me of financial responsibility anyway. All in all, it would've gotten payments made if they had accepted his paperwork. I am not sure the specifics to that issue. 

Then I am told that the rules for foreclosure have to be met per the state 's requirements. Well how many rules and laws does it take to understand that the house is not free and the mortgage is due? Virginia needs to get it together. These mortgage companies who are not listening to what is being said should also get it together. 

The home was purchased in XXXX and costs more now than it did when it was purchased, he is currently {$140000.00} in arrears. That's about a fourth of the cost of the home.. If you can live for free then there is no incentive to pay the mortgage! At the same time, permission is not needed to make a payment. He could have been making payments all this time with or without a modification. Its not like the mortgage company will return the checks, or will they? 

I am writing to ask that XXXX XXXX remove this home from my credit report, all three, and give him a payment plan for the mortgage or foreclose/sale the home immediately. XXXX should also place a valid phone number on the credit reports.I would also like the credit reporting agencies to delete " remove per divorce decree '' as an option for a dispute if the decree is not sufficient or will not be upheld once provided.