23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX Contacted XXXX Reported fraudulent Web site XXXX Reported Fraudulent Business operating illegibly to XXXX XXXX XXXX Contacted Bank to dispute over XXXX in withdrawal of funds They only had a phone number - no other information XXXX Contacted Blitt and Gaines ( company is in Illinois on paperwork ) NO evidence of amount owed or proof of debt Illegally filed in Arizona which violated FDCPA laws- State and Federal laws were violated as there is no Garnishment of Bank accounts allowed XXXX Contacted XXXX XXXX XXXX XXXX, AZ Superior Court Records Dates for case dated in XXXX  do not match case number on fictitious paperwork. 
NO such Judge or Clerk residing XXXX Contacted Superior Court Records department - Discussed inconstancy with dates in comparison to Case and paperwork Materials appear to be falsely used - Garnished Bank funds including Checking and Savings accounts Violated FDCPA laws- Violated the timeframe according to the Statute of limitations is deemed to have expired. 
The debt collector attempted to sue me on a debt where the statue of limitations expired- please have this dismissed!
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF EDUCATION/XXXX  is stating I was late as of XXXX and XX/XX/XXXX ; however, you look at the account it show this account was NEVER LATE AT ALL! Please the the prior months of XXXX which is displayed in the pictures that are attached. If I was NEVER LATE in all of XXXX, how can I be 90-120 late in XXXX and XX/XX/XXXX. 

PLEASE CORRECT PAYMENT HISTORY AND THIS IS VIOLATION OF FAIR CREIDT ACT 611. THIS INFORMATION IS NO ACCURRENT. 

The credit agencies will be held responsible and liable for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiries and incorrect information was unknown and erroneous. The inquiries were pulled without my knowledge while the incorrect information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following inquiries and incorrect information removed accordingly. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021
Product: Student loan

I have multiple Parent Plus loans for XXXX of my XXXX children serviced by XXXX  XXXX XXXX AKA Pennsylvania Higher Learning The interest rate is 7.9 %!!!!! This is predatory its been double the prime interest rate for 8 years. 
They absolutely refuse to lower the rate My children and I were told they could refinance the loans into their name which is not true As an example for a ~12k loan have paid over 20k and thats one loan. 

How can the Federal Government allow this its a horrific situation in America our kids n parents drouning in debt while XXXX attend at no charge. 
I have been trying since XX/XX/2012 to get XXXX XXXX to be reasonable but they told me only my death resolved the debts other than paying them off, the large amount has lowered my credit score from XXXX to XXXX despite a perfect credit history. 
I pay on time but the loans are getting larger. 
The Federal Government needs to step in and put an end tp predatory practices and SCAMS by XXXX XXXX XXXX agencies We should be able to get our American children the best education in the world without such immense debt.
Product: Credit card or prepaid card

Received a letter on  XXXX   XXXX ,  2017  to decrease credit line. It provides generic reasons for creditworthiness along with a  credit score d ated  XXXX   XXXX ,  2017 . This card carried no balance until a month ago when I put a hotel room deposit on it ... lowering the balance will negatively impac t my credit score - - so I want to challenge this decision to lower my limit.
Product: Credit reporting or other personal consumer reports

EXPERIAN has a report of a debt I do not owe on my credit report.

I cancelled my auto insurance policy with " XXXX XXXX XXXX '' effective XXXX 2022. 
I purchased a new auto policy with CURE auto insurance effective XX/XX/year>. Please see proof of CURE auto policy attached. I advised XXXX that the rate increase for my renewal was too high and I cancelled my XXXX policy. Additionally, my insurance agent at CURE auto advised they would report the cancellation. XXXX XXXX XXXX has since reported an erroneous false claim that I owe a balance of {$1300.00} for this renewal that I clearly cancelled. I want XXXX XXXX XXXX and an entity unknown to me " XXXX XXXX XXXX '' to remove/delete this from my credit report because I do not owe XXXX any money.
Product: Debt collection

It is a XXXX acct. and I can not get any information as they do not show a debt for me. The collection agency and XXXX are not able to do anything for me it seems. I am trying to get a credit report from 2017 to show that I did not have this debt and my husband was alive and our credit was impeccable. Unbelievable this can happen!!
Product: Credit card or prepaid card

This company charged me a membership fee when it promised I would not be charge this fee again. I need this fee removed from my account.
Product: Mortgage

I bought a house in XX/XX/XXXX with T.C.F. BANK IN ILLINOIS AND I PAID ON IT FOR 14 YEARS AND THEN I HAD A PROBLEM AND BY THE TIME IS WAS INFORMED I HAD TO HELP THE BANK SELL MY HOUSE AND THEY PROMISED TO HELP ME BUT THEY DID NOT AND I LOST MY MONEY MY HOUSE AND MY GGOD CREIDT SCORE, IM TRYING TO GET ALL MY DOCUMENTS FROM THE FIRST DAY OF THE LOAN I FEEL THAT THE BANK ( T.C.F. ) COMMITTED FRAUD AND NOW THEY WONT RELEASE MY FILES TO ME PLEASE HELP ME MY NAME IS XXXX XXXX  XXXX CELL # XXXX EMAIL XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  AZ XXXX ALSO T.C.F. ADMITTED FRAUD TO MY CREDIT COMPANY IN XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX : # XXXX, # XXXX, # XXXX, # XXXX. 

XXXX XXXX : # XXXX. 

XXXX XXXX XXXX # XXXX. 

XXXX XXXX : # XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX : # XXXX. 

XXXX XXXX XXXX XXXX # XXXX. 

XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Bankruptcy discharge : ref # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

On XXXX I pulled my three bureau credit report using a credit monitoring service and I discovered an account being collected by ProCollect, Inc., a debt collector located in XXXX, TX. They were collecting on behalf of an apartment complex. They showed I had a balance of {$3400.00}. ( SEE PAGE 19 OF ITEM # 1 ) On XXXX I sent ProCollect a standard dispute letter and asked them to provide evidence of the debt 's validity. I later received a statement dated XXXX that showed a balance of {$1900.00} and included an incomplete breakdown of some accounting that indicated a balance of {$2200.00}. The {$2200.00} included a final line item charge of {$1900.00} with no clear information about what the {$1900.00} charge was for. There was also included a partial lease agreement that was missing sections or pages. ( SEE ITEM # 2 IS EVERYTHING THEY SENT ) On XXXX I mailed them a second dispute letter outlining all the issues I found with their attempted validation. ( SEE ITEM # 3 ATTACHED ) Also, on XXXX I pulled the reports again and saw all of the balances were still reporting {$3400.00} and ProCollect had not marked the item as disputed with any of the bureaus even though they had completed their investigation and sent me their validation documents. ( SEE ITEM # 4 SEE PAGE 14 )  Them not reporting after completing their investigation to update the account is a violation of the FCRA. Finally, as of this week, the account is still reporting with multiple discrepancies with amounts, dates, etc. ( SEE ITEM # 5 PAGE 18 ) In summary, my arguments are they knowingly reported a balance due that was nearly double the amount they had showing in their system. I feel this was a deliberate attempt to extort extra money from me. When asked to validate the debt they could only produce documentation for about {$1900.00} on one item and about {$2200.00} on another obviously far less than they were demanding. Secondly, they completed their investigation in approximately 2 weeks and mailed me documentation confirming it, but they did not report to the bureaus to update the account after their investigation was completed. That is two clear violations of the FCRA and FDCPA.
Product: Vehicle loan or lease

I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and GM FINANCIAL with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2019, XX/XX/2019, XX/XX/2019 ), also I was never 60 days late ( XX/XX/2019 ),  moreover I was never 90 days late ( XX/XX/2019 ), lastly I was never 120 days late ( XX/XX/2019, XX/XX/2019 )
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 Southern Management. 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. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I contacted the bureaus and supplied and FTC theft affidavit, a police report and proof of identity. 
The XXXX XXXX credit card wasnt opened by me. 

The bureaus have failed to follow the FCRA 605b in regards to identity theft and are in DIRECT violation of the law
Product: Student loan

Last year there was a lawsuit announced regarding the Attorney General  XXXX XXXX XXXX XXXX XXXX XXXX Navient. Also, there were also XXXX State Attorneys General announced a {$1.00} Billion Settlement with Student Loan Servicer Navient private loans. However, I was eligible for private loan debt cancellation because the school I attended was on the list. The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through Navients predecessor, XXXX XXXX, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX. In addition, the list of these for-profit schools is shown in the attachment below. 

The settlement was led by 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 

However, I applied and still wasn't able to get my loan canceled in this lawsuit. In addition, Navient will pay {$140.00} XXXX  to the attorney general. A total of {$95.00} XXXX in restitution payments of about {$260.00} each will be distributed to approximately XXXX federal loan borrowers who were placed in certain types of long-term forbearances. Yet, borrowers who will receive restitution or debt cancellation span all generations : Navients harmful conduct impacted everyone from students who enrolled in colleges and universities immediately after high school to mid-career students who dropped out after enrolling in a for-profit school in the early to XXXX. 

On the other hand, this settlement includes conduct reforms that require Navient to explain the benefits of income-driven repayment plans and to offer to estimate income-driven payment amounts before placing borrowers into optional forbearances. Additionally, Navient must train specialists who will advise distressed borrowers concerning alternative repayment options and counsel public service workers concerning XXXX XXXX XXXX XXXX ( XXXX ) and related programs. The conduct reforms imposed by the settlement include prohibitions on compensating customer service agents in a manner that incentivizes them to minimize time spent counseling borrowers. Navient will also cancel more than {$1.00} XXXX in subprime private student loans owed by approximately XXXX borrowers nationwide. Californians will receive around {$260.00} XXXX of that debt cancellation, going to approximately XXXX borrowers.
Product: Credit reporting or other personal consumer reports

There is XXXX XXXX account # XXXX show up on my credit report, I asked the credit bureau to verify the debt and send information on how they verified, still no responses. the debt is not mine, i never had a XXXX XXXX account. please help get this item removed.
Product: Debt collection

Never knew about these debt, I try to reached and ask for original copy of the debt but never got a copy
Product: Payday loan, title loan, or personal loan

Discover was not willing to accept payment arrangements that I was able to make. They chose not to work with me ; only on their terms. I reported them to the XXXX  already. Now my spouse has XXXX and not working since XXXX of this year and I can remit documentation of his illness. I am not employed at this time either. This case was supposed to be closed. I feel I am being targeted and they kept adding late fees while I tried to work with them. This needs to stop or I will take further action against Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

I showed interest in the room but because of the unfair treatment they treated me, I went in for a new apartment because the document sent to me was a dummy.
Product: Vehicle loan or lease

As an XXXX XXXX servicemember, I move back and forth, I bought my car in Washington XXXX from XXXX XXXX with XXXX XXXX XXXX as the financial institution. I received a lower rate with Navy Federal Credit Union and switched my loan over to them. I received a notification from XXXX XXXX to change my title for them to be the first lienholder otherwise I will be penalized via my interest rate increasing and my loan possibly being converted to an unsecured personal loan, after signing my contract as a secured or collateralized loan rate. I continue to hold my title and registration in Washington state which is a title theory state, which means that the lienholder is listed as the primary owner on the title until the loan is paid off. They refuse to accept my title as is and have increased my interest rate to 15 %! Sadly, this has been happening to many servicemembers, not myself. I request XXXX XXXX reset my interest rate to the original rate per my contract at 5.54 % and reimburse me the additional costs from the interest rate added.
Product: Credit card

I pulled my credit report and showed a tradline from Capital One. i have never applied or had an account with Capital One I have made a complaint with Capital one before advising them i was a victim of ID theft and no account should have been opened in my name. This has been addressed but yet im still having problems
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXX Dear Whom It May Concern, I hope this message finds you well. I am writing to you today concerning my account with XXXX. First and foremost, I want to express my gratitude for the service and support your company has provided me. It has always been my intention to maintain a positive relationship with you, and I genuinely appreciate the assistance I have received in the past. 
However, I find myself in a difficult situation regarding my credit report. Unfortunately, I experienced some challenges during incarceration. Despite my best efforts to keep up with my payments, I fell behind, and a late payment was reported in XXXX of XXXX. I fully understand that these late payments were my responsibility, and I cant stress enough how much I regret missing the deadlines. 
Since that time, I have taken significant steps to improve my financial situation and ensure that all future payments are made on time. This experience has been a wake-up call for me, and I have learned valuable lessons about managing my finances more prudently. I am committed to fostering good credit behavior and maintaining a positive history moving forward. 
I am reaching out to kindly ask if you would consider removing the late payment notation from my credit report as a gesture of goodwill. I realize this request is outside your usual policies, but I hope that my previously consistent payment history and the corrective actions I have successfully implemented might persuade you to grant me this opportunity for a fresh start. Removing these late payments would greatly help me navigate my financial responsibilities and ultimately enhance my credit score.

If you could find it in your heart to assist me, it would make a world of difference in my life. It would not only allow me to pursue better financial opportunities but would also reaffirm the faith I have in your organizations dedication to customer support.

Thank you very much for taking the time to consider my request. I genuinely appreciate your understanding and compassion in this matter. If you have any questions or need further information, please do not hesitate to contact me at XXXX or XXXX. 
Warmest regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my credit report to this complaint to show that you are reporting an inaccurate account on my credit report. The account XXXX XXXX XXXX XXXXXXXX is more than 7 years old, and it was transferred to another lender. You are also reporting the XXXX as XX/XX/2020 which is incorrect. XXXX and XXXX removed this account, but your company has failed to do so and ignored my initial dispute letter. I am requesting the removal of this account immediately from my consumer report.
Product: Money transfers

Discrimination and loss of money by Chase Bank. 
On XXXX XXXX, before I paid to the XXXX deposit I received from them assurance that if I will make deposit XXXX, I will receive from them {$10000.00} bonus. Then after one month with their broker help I will earn {$100000.00}. This information I received by their chat and is copied. 
Unfortunately, no call I received from the broker. After my intervention the broker called me, he made XXXX trades within two weeks. The third he lost about {$500.00} of my money. One month has passed and I lost some money. After that I sent them request for withdrawal my deposit, because they cheated me. They sent me information that to withdrawal my money I need earn over {$300000.00}. 
I sent them info that the reason that I decided to withdrawal my deposit of {$4000.00} ( less {$1000.00} by my personal loss ) is that they cheated me, no earned {$100000.00} but loss. 
By their chat and emails I asked them many times for my money back but they ignore me and blocked my IP, so now no response from. 
Regarding this scam on XXXX XXXX XXXX XXXX I asked Chase bank by phone for help. The send me from one person to another. They promised me credit within 12 hours, but did not received from them claim number. 
Within next few days I did not received the promised credit and any confirmation letter, no claim number. 
Then I sent the by email again explanation of the scam with proof ; screens shots of website and email. Also no any response from Chase bank. After next week I sent to chase bank by their website again complaint and asked them for response and claim number, but this time I received automatic email back with assurance : This is to confirm we have received your message sent XXXX/XXXX/2015. You can expect to receive a response within 24 hours. 
However, they cheated me, no any response to this day. 
I accuse Chase Bank of discrimination and loss of money. 
Such behavior is serious criminal act against Bank 's clients, because they allow fraudsters to feel impunity.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach.I want these items deleted from my credit reports effective immediately.I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing.Please help me delete these illegal accounts from my credit reports.These are a list of Accounts and Inquiries as listed. 
Collections - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX