23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It has come to my attention, after receiving a notice of wage garnishment from the U.S. Department of Education, that GC Services has made a significant error while managing my student loan account. Although I completed GC Services loan rehabilitation program in XX/XX/XXXX, the system never sent my account to a non-defaulted servicer. I have the original letter from CG Services dated XX/XX/XXXX confirming completion of the rehabilitation program I enrolled in the month of XX/XX/XXXX. GC Services, in error, returned my account as delinquint to the Department of Education, who in turn submitted the account to collections through XXXX XXXX XXXX. Since receiving the completion letter from GC Services dated XX/XX/XXXX, I have not received any notifications or letters from them regarding my account or its status and assumed they were still taking automatic payment on my loans, which they were not. 
This error has occurred secondary to prior negligence on GC Services behalf in processing multiple automatic payments incorrectly in XX/XX/XXXX. Automatic payments were set up on the account and began on XX/XX/XXXX in the agreed upon amount of {$56.00} dollars. Per GC Services, a typo was made when they entered my payment into their system, which led to only a {$5.00} payment being drafted from my bank account. I spoke to them multiple times to resolve this issue as soon as I became aware of it. GC Services acknowledged the error on their behalf and assured me it would be remedied and that it would not lengthen the 9 month period that our agreement had stipulated for rehabilitation. I also reported the circumstances and GC Services negligence to the U.S. Department of Education. On XX/XX/XXXX, GC Services sent the U.S. Department of Education an apology that acknowledged an error on their behalf in processing my payments. 
I spoke to the U.S. Department of Education on XX/XX/XXXX regarding the status of my loans and the negligence of GC Services. They confirmed that although my account was sent back to them by GC services for delinquency in XX/XX/XXXX that the Department of Education would not have notified me of the default at that time because they originally notified me back in XX/XX/XXXX when it initially went into default. I was advised that my only option at this point, as GC Services is no longer the collecting agency, is to request a hearing with the U.S. Department of Education and forward them all of the documentation I have saved from GC Services. While I was unaware that GC Services had falsely reported me as delinquent to the Department of Education, my credit has been impacted negatively and I am accruing delinquent charges and extra interest on my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an accounts fraudulently opened in my name. The name of the account is Santander consumer USA. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to this account. 
I request this account be deleted immediately as a resolution to this long awaited matter. Its been years and all I get sent from the copy is a signed contract which proves nothing as anyone can sign my name and statements which also doesnt proof owner ship. The account was opened fraudulent! 


According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this negative trade mark being reported to all major credit reporting agencies. Thank you for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681.

These accounts are not mine nor did I authorize them. I have reach out via certified mail over 30 days ago to the three-credit reporting agency ; XXXX, XXXX, Experian to investigate these inaccuracies but they still remain without the proper investigation or validation of these debts. 

These accounts have violated my rights : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX  XXXX Account XXXX : XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account # : XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account # : XXXX XXXX XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A, states that a consumer reporting agency can not furnish an account without my written consent or instructions.

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

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

I have attached a credit report with these terrible mistakes by the credit reporting agencies.to support my claims
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I have included several documents for your review displaying the inaccurate/ Fraudulent accounts being furnished on my account from the following credit reporting agencies. Transunion, XXXX and XXXX. 
This is not a third party filing this complaint.
Product: Credit card or prepaid card

Due to unexpected expenses, attempting to manage a tax bill that was beyond my means, I began to miss payments on my credit cards in XXXX. In this case, my MACYS credit card, I missed XXXX, XXXX and XXXX payments. This caused ensuing fees as well as a rising minimum balance. I informed the bank of my inability to pay and the reasons during this time. I did not avail myself of the ability to close the account. I wanted to make the payments and restore my credit. I started paying in XXXX. XXXX paid XXXX. XXXX paid XXXX. XXXX scheduled to pay {$150.00}. Because of the current COVID crisis I could not pay on my due date which was XX/XX/XXXX. I asked if I could have eleven days extension and maybe waive late fees. And pay by the XXXX. They said there was no extensions, no waiving of fees. I would just have to miss payment deadline with all the resulting consequences. I scheduled the payment anyway. In the interim my account was closed after the closing date. Because despite my previous payments I was still considered 4 months past due. 
When I called to discuss the closing of my account and I reiterated the issues over the last few months and I referred back to my conversation regarding XXXX 's payment AND they were aware of my upcoming XXXX payment. They said my account was still closed because I was overdue. All of my other credit card banks have worked with me, with even larger debt and I am slowly becoming current on their balances. MACYS/Citibank did nothing to help me during my own financial crisis except tell me pay or close your account or you become more delinquent. Even in face of the many financial challenges of the COVID crisis they weren't willing to suspend action on my account for 11 days when my {$150.00} would have put me less than 4 months past due. I had a spotless payment record prior to XXXX. A record that every other bank recognized in understanding my current crisis. I received no regard from MACYS/Citibank. So I want to bring attention to their total lack of assistance or empathy or even regard for my previous business in dealing with my financial struggle. Lastly, I will say I had no intention of closing my account or remaining in delinquency. I planned on returning to solvency and continuing my business with MACYS/Citibank. They had no interest in that. They just wanted their payments regardless of my situation.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, this Creditor ( Bank Of America ) and its Debt Collection Agency ( XXXX XXXX XXXX XXXX XXXX XXXX  ) now named XXXX XXXX XXXX XXXX XXXX have violated my rights. 

Under 15 USC 1681 Section 602, states I have the Right to Privacy.

I received constant harassing debt collection calls.

15 USC 1681 Section 604A Section 2, also states that a Consumer Reporting Agency can not Furnish/Garnish an account without written instruction. 

Sometime last year, XXXX, the joint account I and my wife shared with Bank of America was frozen and Garnished without my consent or any written instruction. The amount removed without my consent was more than {$600.00}. I later received a notification email from Bank of America after the fact. Few days later, XXXX XXXX XXXX XXXX XXXX XXXX sent a letter in the mail saying a Court Order was issued for my account to be Garnished. In the letter they also threatened to come after my property if the amount removed was not sufficient enough to cover the debt owed. 

Under 15 USC 1666 B, a Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I have tried to pay the debt owed but my financial status does not permit me to continue. Furthermore, the debt owed is more than 2 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies such as ( XXXX XXXX, XXXX, experian, XXXX XXXX, XXXX XXXX, etc ) are reporting accounts, dept, and public records on my personal credit reports that do not belong to me.
Product: Credit reporting

Last year I disputed entries on my credit report and they have now been reinserted as if new. I called XXXX and they have said they have no records on file. I have contacted the other entries and they readily admit the accounts are over 7 years old but claim they are active. this obviously make no sense. The credit bureaus are responsible for this fraud and should be sued in a class action. I am sick and tired of every 6 months the same entries keep reappearing even though some are over 10 years oldAlso even though i have submitted a XXXX bureau credit report to these people they play this sick game of sending me a letter claiming they cant verify my identity. THEY NEED TO BE PUNISHED. An identity thief would n't waste their time doing me a favor like that. This a sick game they like to play rather than just doing the job like the law says their supposed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX company is still reporting my accounts as OPEN on my credit reports when in fact they are closed and should be deleted from credit reports per Chapter XXXX bankruptcy.Despite a request to XXXX XXXX ( XXXX 2016 ) and several disputes requests with all three credit bureaus ( Transunion, XXXX & XXXX ), the accounts still show as open.
Product: Credit reporting or other personal consumer reports

Paid this balance off completely - It is not reporting accurately ... Has been paid off for XXXX XXXX XXXX. please remove from my Credit Profile.
Product: Credit card or prepaid card

On XX/XX/2020 a dispute was entered for the amount of {$53.00} for the XXXX XXXX of on my credit card with Navy Federal Credit Union. The items ordered were 3 XXXX XXXX, 100 % human hair, 1 donor XXXX XXXX. What was received was 2 alike XXXX XXXX not ordered and synthetic XXXX XXXX. With no lace frontal at all. On the dates of XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called to reference claim number : XXXX. On the date of XX/XX/2020 I called the customor service number at XXXX and got XXXX no reference number or specific employee identification could be provided. He ( XXXX stated ) that employee id information could be given to me. I then asked for him ( XXXX ) to e-chat his supervisor. I was then told there was no one else I could speak with other than him ( XXXX ). He then began to say he did have a supervisor XXXX that wasn't willing to assist with the matter at all. As of XX/XX/2020 dispute has still not been assigned to an investegator.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, a dispute was submitted to XXXX. It was noted by me in XXXX that principal amounts of the students loans are incorrect. During the course of these loans, the service providers have changed several times and the principal amounts changed as well. Instead of bringing the balance to zero when transferring the loans from one servicer to the next, it stayed. The time period that is being disputed is XX/XX/XXXX and XX/XX/XXXX. XXXX records says that The Department of Education and the FedLoan Servicing submitted to XXXX XXXX XXXX {$26000.00} on XXXX XXXX and on XXXX XXXX, submission of {$15000.00}. Keep in mind a Pell Grant was provided to me during these time periods and the tuition was less than {$10000.00} for the whole year. A dispute was made with XXXX and they indicate that these amounts are accurate and the principal balance is correct as indicated. The principal amount grew each time there was a new servicing agency. Example, The Department of Education transferred {$5500.00} to FedLoan. Once transferred the balance for the Department of Education should have been XXXX, while FedLoan would show {$5500.00}. Instead it shows that the principal amount is {$11000.00} instead of {$5500.00}. Then when it transferred from FedLoan to the next servicing agency, instead of showing the {$5500.00}, its now showing as {$16000.00} during the semester of XX/XX/XXXX. The same action happened for XX/XX/XXXX. This is ludicrous, the tuition was paid with a Pell Grant and part of the student loans. These amounts that are showing as accurate in the credit Bureaus are incorrect. As an XXXX, theres no way these amounts were given to me while at XXXX XXXX XXXX. It is the changing of the student loan servicing agencies that has driven up the principal of the loans. Each service provider is showing the same loan, XXXX is combining the amounts as accurate and they are not. XXXX is the new service provider and the principal is now over {$57000.00}. Theres no way the principal grew like this. The last semester that school was attended by me was the fall of XXXX. Unfortunately, for me, repayments of the loan was steady for 14 months during the time period of XXXX, I fell on hard times and was not able to continue making {$300.00} plus each month. Started raising my granddaughters. Its the servicing agencies not reflecting a XXXX balance after transferring the loans to a new agency. XXXX now, working part time and still taking care of my granddaughters. This incorrect amount is a heavy burden on me, different if it was accurate.
Product: Mortgage

XXXX XXXX sold my mortgage to Mr. Cooper mortgage company. Mr. Cooper increased my monthly payment from {$660.00} to {$790.00} Stating new escrow balance and taxes for the amount of {$920.00}. I didn't expect this high amount of increase, plus the desapointment that no one is available to take the call, or be able to speak with an agent to get guidance or clarifications. I need help with this mortgage company. I would like to pay my escrow to lower my mortgage monthly pay, but no one is available to assist. I'm very concern about Mr. Cooper Mortgage practices. Please Help!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to dispute a fraudulent account that has been incorrectly reported on my credit file. I am a victim of identity theft, which has been documented in an FTC Identity Theft Report. I have never authorized the creation or reporting of this account. Despite multiple disputes, the account remains on my credit reports. 

The disputed account is : XXXX XXXX XXXX In addition to my concerns about Identity Theft, this account contains inaccuracies and inconsistencies across all three major credit reporting agencies. Specifically, the " date of last activity '' and payment history appear to have been manipulated to extend the reporting period, which violates the Fair Credit Reporting Act
Product: Checking or savings account

I deposited the paycheck through the Ally bank XXXX XXXX  on XX/XX/XXXX. I received XXXX acknowledgment from Ally of this deposit. However, on XX/XX/year> I received an alert on my account saying that {$390.00} was debited from my account. I never received any communication from Ally bank regarding this, rather I just got an alert, which I had set up to notify me of any withdrawals larger than XXXX dollar from my account. I called Ally bank to find out what this was about and was told that they withdrew funds from my account because the check had been deposited at another bank on XX/XX/year>. This was a check that I retain in my possession. After many phone calls back-and-forth bank reported that whoever deposited the check on XX/XX/XXXX did so through a XXXX XXXX as well. I emailed back-and-forth many times with the company that issued the check, and they confirmed, with photocopies of the front and back of my check, that this was deposited via the Ally XXXX bank, by me on XX/XX/XXXX. They also sent me their bank statement, from XXXX XXXX XXXX XXXX, showing from XX/XX/XXXX through XX/XX/XXXX the only funds that were withdrawn based on this check were the ones that were deposited into my account on XX/XX/XXXX. I filed a police report on XX/XX/XXXX with the town of XXXX. I also went to XXXX XXXX XXXX XXXX on XX/XX/year>. Vice president, senior bank manager confirmed that the only funds withdrawn from the company that issued the check were the funds that were deposited into my account on XX/XX/XXXX. There was no second attempt at withdrawing funds. While at XXXX XXXX XXXX I placed a call to Ally bank. The XXXX XXXX XXXX manager was on the call as well. A person calling himself, XXXX, and explaining that he was in a leadership position, was unable to give us any additional information and was unable to supply any proof of any communication from the XXXX XXXX, that they had noted that the check was deposited twice. When I asked this XXXX for a reference number for the call/ interaction he hung up. Several other of my phone calls to Ally bank were also routed to someone claiming to be named XXXX and also reporting to be in a leadership position. Despite multiple phone calls to Ally bank, and despite XXXX  confirmation from AllyBank that they had received a copy of the statement I forwarded to them from the company that wrote the check, I have not had any resolution or any further written communication from Ally bank. The full amount of the check, {$390.00}, as well as interest earned in XXXX and XXXX, was withdrawn by Ally bank from my account on XX/XX/XXXX and have not yet been returned.
Product: Credit card

I applied for a Wal-Mart XXXX credit card back in XXXX. I purchased an item last XXXX XXXX with my Wal-Mart XXXX card ; I ended up returning item for a refund a year later XXXX XXXX XXXX ) from the hardware store. In Spring XXXX, Synchrony Bank announces via mail to all cardholders they will drop XXXX in exchange to form with new merchant, XXXX. The hardware store, Lowe 's, returned amount back to the XXXX card with the old account number, still under the same bank, Synchrony. 2 weeks later, a representative from Synchrony Bank said that they received an overpayment of an accredited amount to my name in the form of {$260.00}. She stated that in order to obtain back that money, I would have to go to Lowe 's for the refund. Upon discussing for refund, Lowe 's in-store customer service rep stated their refund policy recompenses are sent back to cards and stated that they no longer have that money and then said to re-check with credit card vendor. I then called Synchrony Bank customer services, after XXXX attempts to retrieve XXXX Card information regarding where this money supposedly refunded disappeared to, they finally said that they could not help me anymore. Synchrony Bank claims that since they are no longer with XXXX, they no longer have any responsibility on the whereabouts to where this money got funneled to. Not given an explanation or attendant to whom I could speak to help me find a contact to tracking down a solution, it 's hard not to feel helpless in this situation. Since XXXX is the only channel to get this refund back, I hold them fully responsible for not taking any capable action to at least assisting me to get this money back. I have no other alternatives, just a concerned customer having an issue with a card I make timely monthly payments to. Thank you for your time.
Product: Debt collection

I received a call this morning from an attorney 's office in regards to a debt they said they have made multiple attempts to contact me and I 've left several voicemails but I have not received any of those today was actually the first voicemail I received from them. Upon speaking to this individual identified myself my name but did not give any other information aside from my phone number and he did not attempt to verify that I was who I said I was and continued to give me information in regards to the debt. he said that he will be advising the party that sucker out their attorneys office if I do n't make attempt to payment. I felt very pressured to try and do something give you simply said that some is going to file a lawsuit against me if I do n't do something right at this very moment. Now this long offices out of state so I 'm not sure what their procedures are what the laws are in regards to being out of the council but I feel very harassed
Product: Checking or savings account

Ask Capital One for an FOIA so you can see why they are refusing to close my account, I refuse to repeat myself to a federal bureau that does not know how to do its job correctly. The XXXX that your agency usually deflects its responsibilities is absolutely useless.
Product: Vehicle loan or lease

On XX/XX/2022, I sent a notice to rescind letter to GM Financial for their alleged debt. I applied for a new XXXX  from XXXX XXXX to be used for personal, family, and household purposes. Once the consumer credit transaction was complete, I received statements from GM Financial. Both the dealership and GM Financial had a fiduciary responsibility to provide me with my vehicle but they instead used deceptive practices to extort money from me pursuant to 18 USC 892. 
After some research and investigation, I discovered that GM Financial used my consumer credit information, obtained from another party as I did not provide the information to them, to create asset accounts in which they benefited in the form of monetary advances from my consumer credit pursuant to 17 CFR 229.1101 ( c ) ( 1 ). In my notice, I requested documentary evidence pursuant to 15 USC 44 along with reasonable compensation for their criminal behavior, but they never responded. I attached the proof of mailing, notice to rescind, and affidavit sent to them on XX/XX/2022, for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 

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

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