23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Back in XX/XX/XXXX, some ahole stole my identity, and wiped me out of saving, and checking, and even contacted my job requesting a change of direct deposit.That 's how i caught it. I reported the ID theft to the FTC on XXXX It was recommended that I freeze my credit, Which happened on XX/XX/XXXX. As of XX/XX/XXXX, the credit bureaus unfroze my acct, without telling me. Synchrony has gone out of their way, to crush me financially. Part of the ID theft was in Paypal/Synchrony XXXX and XXXX XXXX. XXXX  XXXX, quickly responded to the fraud alert and me contacting them to close the account. Paypal, however, has dragged their feet, has prevented me from paying my accounts, racking up huge fees, and interest, and now has closed all other Synchrony related accounts that I had. I get dozens of phone calls a day from them Paypal/Synchrony , where I'm just left of hold for hours with no resolution. I'm losing income due to them taking up all my time, when I should be working. Paypal tells me that I'm unable to prove who I am, on my own account, since someone changed the login info, password, and at some point phone number. Yet, they keep sending me the bills, harassing letters, and calls. They recently closed my Care Credit account which I rely on for medical and vet bills, which I pay religiously. As of XX/XX/XXXX, according to XXXX, and XXXX I am not in collections. I don't know what to do to resolve this.
Product: Student loan

The school I attended is no longer in business. I have NEVER been told about forgiveness options for my loans ; only given forbearance/deferment options. I pay {$80.00} to {$100.00} a month toward my loans, yet somehow I am still behind, with NO option to lower my payment so that what I am paying matches up with my monthly amounts. I get up to FIVE phone calls a day about the delinquency of my account. Once a month I get a mailbox stuffed full of letters from Navient about my account. I want to know what are my rights as an attendee of the now defunct XXXX XXXX   and what my responsibilities are.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.
Product: Credit card or prepaid card

Received a " convenience check from HSBC BANK. Wrote the check to myself for {$2300.00} and deposited it in my credit union account at XXXX XXXX XXXX XXXX XXXX WA. state ) on XX/XX/2020. Money appeared in my account. On or about XX/XX/2020 received a letter from XXXX stating that the check was dishonored due to account ( HSBC Account which the check was drawn on ) being " Frozen/blocked ''. Money was taken out of my account in XXXX, the {$2300.00}. 

HSBC still says I owe them the {$2300.00} although that money was taken of of my account as the check was dishonored. I have called HSBC on four occasions with no real help in resolving the matter. I have written several letters to HSBC which were sent certified return receipt and have received no response. I keep paying the minimum payment in order to avoid HSBC reporting to credit agencies that I was not paying and thus having an adverse effect on my credit rating. 

I am so frustrated with HSBC. This is unconscionable.
Product: Student loan

I had taken out private student loans through XXXX XXXX  XXXX National Collegiate Trust to attend The XXXX XXXX in XXXX and again in XXXX. After attending this XXXX I had trouble finding work. They would not work with me to lower payments. My options were to pay the full amount or to not pay at all. At one point I attempted to have my co-signer released but was denied. I was sued for non payment for the full amount of the loan. Proceedings were going on during covid. They did nothing to work with me even during this time although it was acceptable for their lawyers to take weeks on end getting back to my lawyers in attempts of negotiating a settlement. My lawyer tried to tell them at the time of the XXXX XXXX fraud but they pressed forward regardless of covid or anything else going on. I had another loan that I settled on later on out of fear of being sued again. The phone calls and harassment were relentless. This past May all XXXX XXXX loans between XXXX have been forgiven due to fraud. Even private loans are now being released. I would like to see a refund on the amount that I had paid as well. My biggest hope is that anyone that reads this avoids NCT at all costs. Even if you were already victimized by your school they will make sure you are victimized again. I doubt I will ever see a XXXX  returned from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN IN CONTACT WITH XXXX XXXX  AND THEY HAVE ALL POLICE REPORT AND FTC REPORTS AND COURTS DOC AND THEY STILL WANT REMOVE THIS FRAUD ACCOUNT, BUT THEY REMOVED THE ADDRESS TO THIS ACCOUNT AS FRAUD BUT NOT THE ACCOUNT. I WILL BE FILING SUIT AGAINST XXXX XXXX BECAUSE THEY HAVE PROOF THIS ACCOUNT IS NOT MINE! I WAS IN ICU WHEN THIS TRUCK WAS PURCHASED SO HOW CAN I BE IN TWO DIFFERENT PLACES AT ONCE.
Product: Debt collection

Received initial contact by mail XX/XX/2019 from Resurgent Capital Services, L.P.

Mailed a Cease and Desist letter XX/XX/2019. 
Received second contact by mail XX/XX/2019. 
Mailed a second Cease and Desist letter XX/XX/2019 with tracking/delivery/signature information for the original Cease and Desist letter from XX/XX/2019 demonstrating that they received the previous Cease and Desist letter and to once again, cease and desist all communications with me. 
Received third correspondence by mail XX/XX/2019. 
Will be mailing another Cease and Desist letter informing them of their violation of ignoring my previous Cease and Desist letters and include the tracking info for both prior letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these incorrect name : XXXX, XXXX, XXXX, erroneous addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX, and fraudulent account : XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I am writing to formally dispute the tuition balance being collected from me, as I believe this charge is incorrect due to a misunderstanding regarding my financial aid eligibility. 

When I enrolled, I applied for FAFSA and received confirmation that my application had been processed. I was under the impression that this meant my tuition would be covered, as it had been in the past. However, I later learned that non-degree students are ineligible for federal financial aid, a fact that was not made clear to me before I enrolled. Had I been properly informed, I would not have proceeded with enrollment under these financial circumstances.

Due to this miscommunication, I now face an unexpected financial burden that I was unprepared for. I do not believe I should be responsible for this balance, and I am requesting a review of my case. Additionally, I would like to know what options are available for resolving this issue, whether through an appeal, financial assistance, or dispute resolution.

Please provide me with any necessary steps to formally challenge this debt and any documentation supporting your claim. I appreciate your time and assistance in resolving this matter fairly.

I tried many times with the school but all it did was sent me to another email address just for them to tell me to go back to the same email address I was just talking to
Product: Credit reporting or other personal consumer reports

I disputed errors on my credit report with Experian and XXXX, XXXX. Experian stated they could not dispute my credit so they didnt do their job and ignored my request. I never heard back from XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

EXPERIAN allegedly verified an account with XXXX XXXX  that I sent them proof of being reportedly inaccurately. EXPERIAN is claiming they verified it with XXXX XXXX XXXX. However, since I am now requesting method of verification from EXPERIAN I want to see how this account was verified when its reporting inaccurate. This account needs to be removed immediately
Product: Debt collection

I had previously blocked and reported as SPAM this number on my cell phone, but I got a voice mail anyway. The name of the company ( apparently ) is Dynamic Recovery Solutions. There was a toll free number to call back in the voice mail, but I didn't write it down, because I don't owe anyone any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to dispute a XXXX account that a fraudulent account because I was in prison also a account with XXXX  XXXX and also all those inquiries on my credit reports that it wasn't me can you please help get that all deleted from my credit reports and I can't seem to update my phone number for the ID theft to not issue any more credit unless I'm contacted first thanks please help
Product: Debt collection

Credit furnishers and creditors keep stating the fraudulent accounts were verified, but if my identity was stolen than they have my personal information. I sent them my complete and accurate Identity Theft report, IRS identity theft Affidavit someone filed taxes under my name and a copy of the police report document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted proof of never being late including confirmation from the credit card companies confirming that payments were received but XXXX  still did not removed the late payment history on my credit report
Product: Debt collection

I received a collection notice by mail dated XX/XX/XXXX from XXXX XXXX XXXX XXXX. This letter stated that I owed a alleged debt of {$6400.00} that was purchased by XXXX XXXX XXXX XXXX. Please see attached documents. I mailed out A Debt Validation letter by certified mail to both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. USPS confirmed by tracking number that both letters were picked up from Post Office on XX/XX/XXXX. The original creditor for this account is XXXX XXXX XXXX alleged Date of service was XX/XX/XXXX. XXXX XXXX XXXX XXXX was added to my Credit Reports with XXXX, XXXX and XXXX the week of XX/XX/XXXX and company reported three accounts in total for the amount of {$2100.00}. All three accounts reported sum up to {$6400.00} the amount listed as being owed in Collection letter. Credit Reports also state all three accounts were open XX/XX/XXXX and they were last updated a XXXX XXXX. XXXX XXXX XXXX XXXX also reported the listed collections as being charged off in a XX/XX/XXXX. However XXXX XXXX XXXX previously reported all three same accounts with a opening date of XX/XX/XXXX. Accounts could not halve been charged off in XX/XX/XXXX as reported by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX have responded to my Debt Validation Letter they both received on XX/XX/XXXX. It sounds as if both Harvard and XXXX XXXX XXXX are Re-Aging all three alleged debts.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Removal of Inaccurate Charge-Off Information from XXXX XXXX  Dear Sir/Madam , I am writing to request an investigation into the inaccurate Charge-Off information appearing on my credit report provided by Experian, XXXX and XXXX. This information is incorrect, and I request its immediate removal from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable laws. 

Account Information : Account Number : # XXXX Creditor Name : XXXX Basis for Dispute : **Inaccuracy of Information : ** The information reported is incorrect. **Inaccuracy of Information : ** The charge-off information reported is incorrect. Date Opened : Only reported by Experian XX/XX/XXXX, Date reported : Only reported by Experian XX/XX/XXXX, Reported Balance : Only reported by Experian {$1700.00}, Comments : Only reported by Experian ( Unpaid balance reported as a loss by credit grantor ). The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.
Product: Mortgage

We called loan care the evening of Tuesday, XX/XX/XXXX spoke with one supervisor and two people in the escrow department and one in the insurance department. What happened with our escrow analysis was that it was ran in XXXX as a normal however our insurance company had only sent the XXXX page electronically to them. Loan care treated this as a bill in the same month of XXXX when the hazard insurance was not due until XX/XX/XXXX. Obviously this created a large short fall of our escrow as well as the projected difference for next year as well as the increase in taxes. The total short fall for XXXX should be less than {$200.00}. XXXX hazard insurance amount was {$1000.00} and in XXXX it was {$1000.00}. That is a short fall of {$32.00} for hazard insurance. Taxes in XXXX were {$2800.00} and in XXXX they were XXXX for a shortage of {$150.00}. Total shortage should be {$180.00}. We tried talking with a gentleman in escrow department named XXXX who told us that we can not have a new escrow analysis ran nor could we pay the difference on the new insurance alone. We have asked for a breakdown multiple times of the shortage and nobody is able to provide us that break down. We would just like a new escrow analysis based upon the due date in XXXX for the renewed insurance policy that was paid early on loan cares part or give us a solid number what he shortage of the Insurnace alone for the  renewal in order to correct our monthly escrow. 

Its important to note that every individual we spoke with including the supervisors were unhelpful and unwilling to help claiming that it was not their department or they couldnt run numbers without us sending additional money to deposit in the escrow account and said they did not have access to any of the documents that pertained to our loan for our request. Also the my seem bound and determined to make the customer feel wrong and that there is no solution
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the validity of a XXXX XXXX XXXX account on my credit Reports. I sent a dispute directly to XXXX XXXX XXXX in XXXX 2017 and received no response. I then sent disputes to all 3 credit bureaus, I sent a dispute to Equifax and XXXX in XX/XX/XXXX, and XXXX in XX/XX/XXXX. All 3 disputes came back " Verified '' from the 3 separate Credit Reporting Agencies ALL showing different information. This account is not Valid and should not be on my report. And the fact that the " past due '' dates do n't match, and the balances are different after being " verified '' prove that this was n't valid to begin with.
Product: Debt or credit management

My kids mom used my info to open this account. Please go down itemized list and see she purchased everything and is destroying my credit. I want this address immediately. She needs to be charged
Product: Debt collection

XXXX XXXX called me in XXXX XXXX to tell me that I had money in their bank. I told them that I did not have an account with them. They offered me to send information about it, by mail, to which I agreed. On XX/XX/XXXX, I received a letter from them, saying that the account XXXX ( I don't know the numbers ), was sold to Credit Corp Solutions for {$5200.00} ( I didn't understand what it was about, and I left it for later, because XXXX is very complicated ). 
Today, XX/XX/2022, I received a letter from Credit Corp Solutions saying that I have to pay them a debt of {$5200.00}! 

I do not owe that money nor have I borrowed it from anyone.
Product: Debt collection

A man by the name of XXXX XXXX contacted me regarding a debt owed saying it was from XXXX XXXX XXXX for approximately XXXX. This man ID Himself as a detective when he is really a collections agent and stated that I missed a court hearing for a civil suit that was filed against me and that if I did n't pay the moment today a bench warrant would be issued for my arrest and I would go to jail. He also threatened my liscense being suspended and wage garnishment. I want my account removed from this company and k want the harassment to stop. This man did not validate my debt read me the mini Miranda advising me of his attempt to collect a debt and would not provide me with there companies address. I found out through XXXX XXXX XXXX that they sold the debt to debt management partners LLC who sold it XXXX that they are the ones with the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry on my report from Bank of America. This was not me requesting the information.
Product: Credit card or prepaid card

I received a credit card from capital one and have not been able to keep up with payments as of XX/XX/2018 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Community Loan Servicing my mortgage provider reported my account ever late 180 days to 3 credit bureaus having me on " forbiddance plan '' covid relief program, witch allows you not to make mortgage payments .I called several times and was told that multiple customers were reported to credit burrows by mistake.Report date XXXX was told by representative, that on XX/XX/XXXX Community loan servicing sent letters to 3 credit bureau to remove incorrect information.I talked to XXXX representative on XX/XX/XXXX and he could not confirm that any disputes were initiated by the lender. I attached copy of the forbiddance plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I entered all the information needed to complete application, I do n't see anything. No credit report was given. Same problem with other credit bureaus. How am I to read my credit info once a year when nothing is provided. Do you not show the results online? Does it only get processed through the mail?
Product: Mortgage

Have tried numerous times beginning in XX/XX/2017 to seek help with keeping my home through Keep your home California only to be stonewalled by Bank of America as they ask me to apply again and again. I have done so and provided any and all info they requested and done everything they asked only to, be denied again. I am newly divorced and on XXXX but do have income required. I am beyond Exasperated. I believe they are trying to force me to give up my home aka short sale. Help
Product: Checking or savings account

The company promised to mail a cashier 's check in a letter to me. Now they refuse. The attached documents further explain the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$37000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact Experian several times for them to remove all these names and addresses that are inaccurate and they are not removing anything. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single-family XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX type Single-family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

THE COMPANY RESURGENT RECEIVABLES LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT MINE. MY NAME IS XXXX XXXX the 3rd. 15 USC 1692 ( A ) ( 1 ) The term " XXXX '' means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. 
On XX/XX/1933, XXXX enacted XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. this resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy, and.. Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 
15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Product: Credit card

On about XX/XX/2023 I placed an order for an incense ceramic piece and incense cones from The XXXX XXXX. When completing the order online their website added all the extra club and additional products when I clicked on no thank you and charge my Self Credit Card a total of {$90.00}. When I received the product it was of poor quality and I returned the product to the merchant. The merchant has refused to return my monies so I opened a dispute with Self Credit Card ( by Lead Bank ), to which they repeatedly denied the dispute in the merchants favor. I provided Self dispute department with the UPSP receipt and proof that I sent the product back and the tracking number as well. They still denied the dispute three times. Their dispute department is very difficult to work with and they do not document anything the consumer is telling them. I have attached proof of the product returned. 

Self Dispute Case # : XXXX