23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company General Revenue Corporation has been contacting family members and friends of mine but not me directly. They have left account information, along with phone number but no company name every time or it is someone that XXXX is not their primary language calling. I have been in contact with the company as well as Navient and both representatives have told me that this matter is no longer being handled by this company. I have gone as far as emailing them to cease and desist calling other parties that have nothing to do with the matter that they need to contact Navient as I have and get it straightened out that this is with another collection agency and the matter is being handled. It is not fair that the company did not inform their XXXX # that this is no longer a matter for them to be collecting on. Plus I know that you can not leave account numbers on an answering machine of another party. You are only allowed to leave your name, company name and phone number when trying to reach the party in question. Information is being left with family members and friends after being told to cease and desist. Want them to get their records corrected and remove all of my information from their systems. I never gave them my friends or family phone numbers either so not sure how they are getting them. I believe they are using skip tracing tactics to get the phone numbers of potential relatives.
Product: Student loan

I called Navient to see about getting a deferment or forbearance for my student loan with them, as I lost my job due to layoff in XXXX and my unemployment has run out. I initially called on XX/XX/XXXX but was told they won't even speak to me about this until a payment is due, with my last payment having been made on the due date of XX/XX/XXXX. 
I called back on XX/XX/XXXX as I now had a payment due and was told that I could not get a forbearance without first paying a fee of {$50.00} per 3 month period of forbearance. I explained I can not afford this as I have no income and they ultimately suggested I speak to someone about payment options and I was transferred. 
After reaching someone in collections, I was asked a series of questions to determine eligibility. When we reached how much can I afford to pay a month, I answered that I can't afford a payment as this time as I have no income and I also have other obligations, such as my rent, car payment, and phone payment, all of which are necessary for me to obtain a job. I was told at that time that, since I can't afford a payment, they can do nothing for me. 
I requested to speak to a supervisor ( XXXX  ) and explained I have no income, I can not predict the future and determine when I will be able to make a payment ( they specifically asked when I could pay ), and that I have other financial matters which take a priority. He stated that the {$50.00} for a forbearance serves as a " good faith payment '', to which I asked what about my years of making payments on time every month, to which he replied that past payment history has no bearing on these matters. They further stated that there was nothing they would do for me. I pointed out that my other loan providers were able to assist me when I explained my situation to which he replied " Well, we're not you're other loan providers ''. I informed them they could disconnect the call so I could take their survey at which point he replied " this is the collections department. There is no survey. '' I specifically stated that this was a matter of a financial hardship, that I have other financial obligations, and that I am working to resolve this hardship by actively seeking employment, and still they would not do anything to help with the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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
Product: Credit reporting or other personal consumer reports

Thank you for addressing and removing some of the inaccuracies in my credit report. However, there are still a few items left that require further removal. While reviewing an updated copy of my credit report, I discovered that some of my credit references are still not included in the removal but have been reported and verified. Please re-investigate and remove the items : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$8000.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$740.00} ; XXXX XXXXXXXX Balance Owed : {$610.00} ; XXXX XXXX XXXXXX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$8000.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXXXXXX Balance Owed : {$740.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$8000.00} ; XXXX XXXXXXXX Balance Owed : {$740.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please re-investigate and delete these disputed items. Please forward me the name and address of the persons contacted. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the items have been deleted. Once this has been accomplished, please forward me an updated copy of my credit report to the address provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several items on my account I've disputed to get removed are over 10-15 years old and settled accounts.
Product: Checking or savings account

Wells Adv I received an email solicitation from Wells Fargo offering consumers {$400.00} for opening a new checking account online, based on which I did so, beginning the process online onand concluding it on XX/XX/20 at the branch per the direction of Wells Fargo. As advertised and represented by various Wells Fargo personnel on various occasions, the promotion required the account to receive credits by direct deposit transaction and becomes payable after the account has been open for 90-days. My account meets both conditions and I have yet to receive the {$400.00} credit. Moreover, when I inquire as to the credit, Wells Fargo responds by requiring me to verify my Tax Identification information, which was already done at time the account was opened when I provided them with my Social Security Card. 

Please note the account was initially opened as # XXXX and was transferred to # XXXX on XX/XX/20 due to an unrecognized debit on the initial account.
Product: Mortgage

I was given flood insurance after providing documentation that my home and parcel it is on is not in a flood zone. I provided FEMA map,  letter from zoning stating I was not in a flood zone, and additional maps online in support that the property associated with my mortgage is not in a flood zone. I contacted the company that made the flood determination and found out LoanCare did not provide them my parcel number so their determination was made on a storage building behind another house down my road, not my home. Once they got my parcel number they also agreed I was not in a flood zone and sent another determination stating so. After all this LoanCare now says they need a new property description and to contact my county tax office. I called and they were perplexed at the request and said as far as they can see I am not in a flood zone and do not need a new description. This has been ongoing since XX/XX/2020 with no resolution. They overdrafted my escrow account to purchase {$1000.00} flood insurance so my mortgage payment will go up $ XXXX starting XX/XX/2020 to compensate the overdraft, and my property taxes are due in XX/XX/2020 but now there is no money in my escrow to pay them. This has been going on for 4 months. I have missed time from work and my family making countless phone calls to LoanCare, zoning department, XXXX, FEMA, and the tax office. The stress this is causing me is interfering with my job. Im at my wits end and am to the point of just contacting a lawyer to pursue this further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed credit inquiries that I do not recognize, unauthorized and NOT mine. I must have been the victim in acyber hack or identity theft. These Non Account holding inquiries with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are NOT mine, I do not recognize and did not authorize them. These inquiries arefraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violate the ( FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. Please remove these items effective immediately! Thanks in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Diversified Consultants. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Thank you,
Product: Prepaid card

On XXXX XXXX, 2015 I received an email from American Express Serve notifying me, that they would start charging a monthly {$4.00} fee to keep the account open. After receiving the email I decided to cancel the card and logon onto my online account. 

After logging into my online account I attempted to close the account but was blocked from being able to do so, as their computer system then required me to respond to an additional verification email. I waited several minutes but never received a verification email which I could respond to. 

I then called their customer service number at XXXX and spoke with an agent whom I provided personal verification information ( SS #, DOB, Address ) and requested to close the account several times over the phone. The agent refused and stated that I had to first respond to the verification email ( which I have yet to receive ). We spoke on the phone for several minutes while he attempted to send multiple emails which continued not to arrive. I again requested that he close the account for me over for phone and the request was refused. The agent stated I would have to wait for the email to arrive, I asked if there was any other way I could close the account he said no. 

At this time I do not know if I will be able to close the account and am concerned about being charged penalties and late fees. I 've now spent over hour attempting to close this account and still do not have a resolutionI 'm also concerned that the current business practices and procedures in place will also prevent other consumers from being able to avoid injury as well.
Product: Credit reporting or other personal consumer reports

Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : aCCONTS NAME : XXXX Accounts number XXXX [ enter late payment date XXXX XXXX [ enter late payment date XX/XX/XXXX [ enter late payment date XXXX XXXX equifax It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely,
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report this morning, and I have no idea why theyre there. Checking my report was part of my routine, but this time there were unexpected entries. Refreshing my browser didnt help ; the inquiries were still there. Please review the documents Ive sent as soon as possible so I can finally have peace of mind on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notification in my email about a credit account, which I have no clue of. I have been a victim of identity theft in the past. My taxes was filed without my consent in XXXX. I have also been affected by the credit breach where my information was leaked. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The accounts that are fraudulent are as follows : 1. XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX   9. XXXX XXXX 10. XXXX XXXX I am disputing the following accounts as fraudulent and an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that the fraudulent and inaccurate information is completely and permanently removed from credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

MS SERVICES ACCOUNT XXXX IS APPEARING FRAUDULENTLY ON THE BIG 3 BUREAUS.THE FRAUD CREATED BY ORIGINAL CREDITOR IS EXPLAINED IN DETAIL IN THE ATTACHED DOCUMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX and XXXX XXXXXXXX account # XXXX has violated my rights. 

XXXX5 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

In the beginning of XXXX I responded to a mailed solicitation from Loan United to refinance my 30-year VA loan from 2.75 % to 1.75 % under the streamline plan. The person I dealt with was XXXX XXXX, Senior Mortgage Loan Originator, NMLS # XXXX, Direct : ( XXXX ) XXXX, Cell : ( XXXX ) XXXX, Phone : ( XXXX ) XXXX EXT : XXXX, XXXX After promptly sending in my documents, Mr. XXXX told me that they could not do the advertised 1.75 % rate, but they could do 2.0 %. I said okay and sent him all documents requested. I e-signed a bunch of documents beginning the process. He told me to skip my XXXX payment. 

On XX/XX/XXXX, the following lady contacted me : XXXX XXXX, Loan Assistant, Email : XXXX, XXXX : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX, Main : ( XXXX ) XXXX ext XXXX Next Loan United became obsessed with talking to my bank. First they contacted the wrong bank in Minnesota instead of Tennessee. This was the first delay. Next they had a third party with a thick foreign accent call me and tell me that the reason they had to talk to my bank was in order to talk about my loan with the bank. I told them that the loan was with XXXX and not with the bank, but they continued to argue with me that it was. I tried to explain that I had a loan with the bank for a condo in XXXX, and the loan I was refinancing was with Quicken and was in XXXX, TN. After all of this, XXXX and XXXX pretty much went silent on me, not answering my calls, messages, or emails. XXXX answered one time last Monday and said he would get an answer in 5 minutes, but did not. 

Now XXXX has slapped late fees on me and is harassing me about my loan which will soon be delinquent.
Product: Debt collection

I received a text, from Radius Global Solutions LLC Reference code : XXXX stating : your rights from our recent letter remain. Other rights /make payment : rad-gs.com I received this text on XX/XX/year> out of the blue. I received no official documentation nor information on what this alleged debt is... Nor has there been any indication of outstanding debt on my life lock or credit report. All of my credit cards are either paid off or up to date. 

I received another text on XX/XX/XXXX, XX/XX/XXXX, and another one on XX/XX/year>. This message was slightly different : it said please contacat radius global solutions llc at XXXX.
Product: Credit reporting

I am a XXXX XXXX XXXX. I was researching at my bank to finance a new car. When they pulled up Experian and XXXX in their system ( they do n't have access to XXXX ), both reports were completely blank except for my personal ID information. ( I am currently paying for a car and have other financial data under my identity. ) Back at home, I tried to log into my Experian account and could not get access to it. Their system kept going around in circles about me updating my password ; then would not accept the new password. Upon calling Experian, they kept referring me to OPM ( United States Office of Personnel Management ) and their XXXX Identity Monitoring Portal, both of whom had no authority over accessing Experian 's online site. On the third call Experian said my account has been closed since 2013!???? When I logged into my XXXX account to see what they showed, the only bureau to show up was XXXX! I had always had access to all XXXX bureaus in the past and have printed out all XXXX credit reports from their site. The XXXX problem bureaus also not showing on my XXXX account has made me very nervous about my ID/financial security. What can I do?
Product: Credit card

I paid my bill in full with capital one in XX/XX/XXXX. They then froze my account and demanded that I upload my ID, which I did via their link to my phone. Then they asked me to call them, which I did, immediately. The operator asked me to call my bank and use the phone to log into the account I used to make my payment on a three way call. They expected me to put my pin number in over the phone with the operator from the other bank on the line.. As far so I know they will never ask for your pin, correct?. So I refused to do so. They kept my card frozen until I complied. They did not return my payment, it was not stopped. Then the next month, I had no access to my account whatsoever I could not even sign in to my online account with capital one the account was locked.. there is no way I could have used the card again. But XXXX, XXXX, XXXX all my '' payments '' were on time. I could not log into my account to even check the payment options or to set my balance, no access whatsoever. Then this happens.. 

Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX 150 days past due as of XXXX XXXX  120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX. 

How is it psst due if I could not sign in to my frozen account which was clearly paid off in full XX/XX/XXXX, I also asked them to close my account after the first month after I paid off my balance in full. They refused to close it for me. I asked them multiple times to please close the account. They would not. Now they are trying to say I maxed out the card at XXXX dollars and charging interest?! when I haven't used the card since XX/XX/XXXX after it was paid off in full and they refused to close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA 's. On XX/XX/2019, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Erroneous Direct Violation Of The FCRA Professional Debt For months now Ive been disputing these items im getting so angry please please remove these from my credit report these are fraudulent i file a police report and ftc report Equifax WILL BE SUED and lawyer will be contacting XXXX if these items are not removed in the next two weeks!!!!! 

XXXX XXXX XXXX Opened XXXX {$310.00} XXXX XXXX XXXX Opened XXXX {$310.00} XXXX  Opened XXXX {$320.00}