23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is an item on my credit report that I am unclear on. It is showing that the creditor is LoanMe and is reporting as a charge-off with a balance of {$0.00}. I disputed this account with the 3 major credit bureaus, XXXX, XXXX, and XXXX. I requested on various occasions that they investigate the item and provide me with details of their investigation. To date, I have never received a response from these bureaus, so I am still not clear as to what this item is. I decided to send dispute letters directly to LoanMe. My first letter to them was dated XX/XX/XXXX and I asked to see the following items : * The complete original alleged promissory note that shows my signature * The account transaction history * Any required default or acceleration notices * The notice of sale document * The Calculation of Surplus or Deficiency letter * Any additional finance contracts including those related to insurance or finance products * The buyers guide * The purchase order * Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note I did not received any of these items. I received a response on XX/XX/XXXX and XX/XX/XXXX saying they did not conduct an investigation as they said they can not assist with the resolution. They stated XXXX XXXX XXXX is claiming to now own the debt and LoanMe can not assist with any resolution. Therefore the account can not be verified as accurate reporting since it is still reporting as Loan Me Inc. This is my second time attempting to dispute this account as the CFPB has sent me a letter trying to also stall the removal of this account reporting on my report. I will submit my email address along with this complaint as requested by the CFPB. Please ensure this account is expeditiously removed from my report as it continues to damage my credit score.
Product: Student loan

The complaint is with Navient. 
Navient refuses to provide the outstanding balance on loans when interest is capitalized or payments are received. Their online service only provides the original loand amount and the current balance. However, when viewing transaction history, the total balance is not shown, only capitalized, charges, and payments. Upon calling to ask for balance amounts before and after payments, all supervisors refused to provide me with this information. I was instructed to take the original loan amount and manually go through the transactions line by line ( from origination date in 2007 to present ). 
The practice of refusing to show a running balance due per transaction hurts consumers, and can esily lead to unscrupulous or abusive practices, as the consumer is essentially 'flying blind ' on the total due per each transaction. 
Upon speaking with Navient, they were unwilling to provide a transaction history with all transactions listed and how the balance has increased or decreased. This should be mandatory to provide this information to consumers upon request. Please investigate the legality of this practice by navient.
Product: Credit reporting or other personal consumer reports

Despite providing comprehensive evidence and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. I would like to follow up the ongoing issue regarding the removal of fraudulent items from my record. 

The presence of these fraudulent items not only tarnishes my reputation but also poses a serious threat to my financial stability and credibility. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove fraud items in my credit file : 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 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 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 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, credit repair services, or other personal consumer reports

I have been tryong to correct my Credit File from erroneous information and yet the Credit Bureaus have been negligent of their Federal responsibility. The letter I sent to the Credit Bureaus last XX/XX/XXXX was to follow up any response from the Credit Bureaus after the 30 days of investigation. As I revived my Credit file, I have noticed that the Accounts previously disputed are reporting as inaccurate and incomplete in information. I am requesting the Credit Bureaus to please conduct another investigation to the following information and send me the notification that the disputed items have been updated or deleted. Here is the list of accounts and information that should be corrected or removed from my Credit File within the time allowed by law : XXXX XXXX Balance Owed : {$65.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXXXXXX Balance Owed ; {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

information is inaccurate., Also account is duplicated shows up twice on my credit report Please investigate this matter and correct the disputed items as soon as possible. 

I understand that under the Fair Credit Reporting Act, you are required to investigate my dispute and remove or correct any inaccurate information within 30 days.
Product: Debt collection

On XX/XX/2020 I received a court order by mail from the State Court of XXXX County State Of Georgia. It stated no request for an oral hearing. I have not received anything other than this letter on this matter. The file number is XXXX Plaintiff name is Tidewater Finance Company. I was not given any fair hearing and no info to respond to until now. There is something seriously wrong if I am being sued and the judge agrees with the plaintiff without my knowledge of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX FRAUDULEND ACCOUNT. EQUIFAX WAS NOTIFIED ON XX/XX/2022 THAT ACCOUNT DELETED FROM XXXX FOR FRAUD. SINCE THEN I HAVE REPORTED THIS ACCOUNT AS FRAUD/IDENTY THEFT ONCE A MONTH. THIS ACCOUNT IS REPORTING AS ORIGINAL CREDITOR, LATE/COLLECTIONS/INSTALLMENT/SOLD/TRANSFERRED AND PAID. NOW SHOWING A XXXX BALANCE NEGATIVE ACCOUNT WITH {$450.00} PAID ON A {$5800.00} STUDENT LOAN. I HAVE PROVIDED ID THEFT REPORTS FROM FTC POLICE REPORTS, ORIGINAL CONTRACT, PROOF OF REVERSAL OF PAYMENTD FROM BANK AS FRAUD, ID, SS #, PROOF OF RESIDENCE, FRADLENT PAYMENT HISTORY FROM XXXX XXXX STATING XXXX DOLLARS IN PAYMENTS, ORIGINAL CREDITOR IS XXXX XXXXXXXX XXXX  WHICH HAS BEEN PROVIDED TO EQIFAX. LAST CONVERSATION I WAS TOLD I NEED TO PROVIDE BACK OF DRIVERS LICENSE AND AN ATTY LETTER. THIS FINANCE COMPANY IS USING EQUIFAX TO EXTORT FUNDS I DO NOT OWE TO RUIN MY CREDIT AND EQUIFAX VERIFIED INCORRECT AND FRAUD XXXX XXXX TO REMOVE UNLESS XXXX XXXX TELLS THEM TO. 
EQIFAX REFUSED TO DO AN INVESTIGATION AND REFUSAL TO ACCEPT ID THEFT REPORT WITHOUT NOTIFICATION OR EXPLAINATION. ID THEFT DISPUTE SUBMITTED 7 TIMES WITH ALL REQUIRED DOCUMENTATION AND REPORTS. EQUIFAX STATES MONTH AFTER MONTH THEY ARE FAKE
Product: Mortgage

Specialized Loan Servicing accepted funds from the Hardiest Hit Fund and applied {$77000.00} to the loan and it was current. I have been making payments on time with no issues since XX/XX/XXXX-XX/XX/XXXX i tried to make a payment for XX/XX/XXXX and the customer service representative XXXX XXXX told me that my mortgage account was in default and i had not make a payment since XX/XX/XXXX. Then she did some research and told me to call back in 5 days and that she could not accept a payment, and i informed her that i need to make a payment in order to keep my loan current, and she hung up the phone in my face. 

I called back on XX/XX/XXXX spoke with customer representative and he informed my that the hardiest hit funds had not been applied to my account so my loan had to be recast to include funds that had not been applied to my account this was a surprise because i have made all payments on time and i have proof with my bank statements and i informed him that i have not missed a payment and he told me he can see that in my payment history however i will not be charged a late fee when i pay within 48 hours. 

Called back on XX/XX/XXXX spoke with a supervisor XXXX XXXX and he advised me that he was creating a ticket so that they can apply {$77.00} and my last 8 or so payments and the loan will be current within 48 hours. I am so confused about how i have spoken to more than XXXX customer services representatives and none of them have no idea what is happening with my Home Loan that was current for 9 months then all of sudden it is delinquent.
Product: Credit card or prepaid card

I am filing this complaint with CFPB because in the last 60 days I have been unable to receive any response whatsoever to my online and written complaint mailed to the HSBC Executive Office on XX/XX/XXXX at HSBC Bank USA, N.A., Executive Office, XXXX XXXX XXXX, XXXX, NY XXXX concerning the following : In XX/XX/XXXX, I did a Balance Transfer of XXXX ( including transfer fee ) with a 0 % APR until XX/XX/XXXX. In XX/XX/XXXX, I received my first interest charge on a balance of {$790.00}. The interest computations seem correct ; however, on my statement it reads : " Interest Charge on Cash Advances ''. By the way, when I look at my transaction history online at the HSBC website, it reads " Finance Charge Cash Advance '', instead of " Interest Charge on Cash Advances ''. Either way this is incorrect when listed as a Cash Advance. 
I noticed this error on XX/XX/XXXX when making my timely online payment. 
On that same date, XX/XX/XXXX, I contacted HSBC via their chat line. I was told that the Balance Transfer showing as a Cash Advance was a computer error on the part of HSBC. I opened up complaint number XXXX and sent a written complaint to the HSBC Executive Office address listed above. 
In my written complaint, I advised HSBC that I was entitled to an accurate statement reflecting MY transactions. Attached to my written complaint was the chat line conversation that had been emailed to me as documentation. This chat documentation also included the Executive Office address where I was directed to mail my complaint. 
Also included in my complaint letter were portions of HSBC 's own credit card agreement showing that Purchases, Cash Advances, and Balance Transfers are distinctly different transactions. Additionally, according to HSBC 's own credit card agreement, I am entitled to a response to a written complaint within 30 days. So 30 days later when I again went to make my timely online payment on or about XX/XX/XXXX, I called HSBC to follow up on my complaint. I was advised that my complaint would be resubmitted. 
It is now XX/XX/XXXX and I am once again making a timely online payment and, to-date, I have received no response whatsoever from HSBC. As a note, I always make my payments online, although the address to mail payments is : HSBC Bank USA, N.A. at XXXX XXXX XXXX, XXXX XXXX IL XXXX. 
Additional note : In my original letter in the RE section, I indicated the complaint number as XXXX. The correct complaint number XXXX is in the chat documentation attached to my complaint. In my XX/XX/XXXX phone call to HSBC, I was advised of this error and added a notation to my copy of the complaint letter in the RE section. I did not send a new letter to HSBC because they had more than enough information to address and handle my complaint. I have attached a copy of my letter. The original letter was printed out, signed and mailed to HSBC to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I notified Equifax Informantion Services that someone tried on open a credit card using my personal information. I called the bank, XXXXXXXX XXXX and notified them that my i DID NOT try the open and account.. XXXX XXXX told me that they would stop the process completely and send out a notice of FRAUD. 
I placed a freeze on my eqifax account, and i was told to fill out a FTC.gov report. Once Equifax recieved your report they will start the process to remove the hard inquiry. Normally takes 30days.
Product: Credit reporting

Hello, My credit rept. shows a mortgage with XXXX, I do not have a mortgage with XXXX. Our ONLY mortgage is with : XXXX XXXX XXXX XXXX 
loan # last 4 : ... ... XXXXplease update your report ... ... ... ..
Product: Debt collection

In response to CFPB complaint - XXXX - XXXX My name is XXXX XXXX, a federally protected consumer, and Iam making this complaint against XXXX XXXX XXXX for violating a cease and desist notice they received XXXX and for continuing to invade my individual privacy by committing abusive deceptive and unfair debt collection practices. 
I have attached a debt validation letter, a cease and desist notice. Exhibit A which is a copy of the reporting on my XXXX report, Exhibit B which is copy of their response to CFPB complaint - XXXX - XXXX and a pdf of an FTC report that will be labeled as exhibit C when filing for litigation in Federal Court to this complaint XXXX XXXX XXXX stated that they are a third party collection agency that was hired by T - Mobile to collect on a balance that pass due of {$520.00} for account ending XXXX. XXXX XXXX XXXXXXXX stated this account was placed and there office for collection on XX/XX/year> including the rights to collect on the account. But I never contracted with them and they have no reason to have my identifying information. Also pursuant 15 USC 1692g ( c ). I have not validated any alleged debt shall not be construed as an admission of liability, XXXX XXXX XXXX stated they mail out a notice debt on XX/XX/year> and that they have right to report to a consumer credit. I have not received any documentary evidence such as a trilateral contract, giving XXXX XXXX XXXX any right to collect on this alleged debt. It is my belief that XXXX XXXX XXXXXXXX are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. Because I never received any documentation requesting validation from Source Receivables Management, before they committed multiple violations under the FCRA and FDCPA by furnishing this alleged debt to my consumer report. If Source Receivables Management can not provide proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and ruining my financial reputation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I obtained a loan from OneMain Financial with XXXX insurance on the loan. I was injuired and have not been able to work ( this injury is permanent ). I went through the process of utilizing my XXXX insurance so the insurance can make payments on the loan. Every since I have been using the insurance that I paid for, I have been getting calls constantly about payments not being made. I then informed the company that my XXXX is permanent and I will not be able to work now. Nevertheless, I am still getting calls from them every week about payments even though I filled out paperwork stating that my condition is permanent. I was told that they do not care about my XXXX and they will be calling me everyday and every week to collect a payment.
Product: Debt collection

( XXXX ) Consumer Report.

( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( XXXX ) credit or insurance to be used primarily for personal, family, or household purposes ; ( XXXX ) employment purposes ; or ( XXXX ) any other purpose authorized under section 1681b of this title.

( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( XXXX ) subject to section 1681s3 of this title, any ( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( XXXX ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( XXXX ) communication of other information among per
XXXX related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( XXXX ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( XXXX ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( XXXX ) a communication described in subsection ( XXXX ) or ( XXXX ). [ XXXX ] ( XXXX ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( XXXX ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( XXXX ) medical information ; ( XXXX ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( XXXX ) an aggregate list of identified consumers based on payment transactions for medical products or services
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( Report # XXXX Case # XXXX ) refuse to remove inaccurate information from my credit file such as the wrong name 14 different address 's that does not belong to me. they are also reporting a public record that is inaccurate and can't be verified. I have contacted XXXX and disputed the inaccurate information. XXXX responded with a written letter saying that they verified the information with XXXX and it was accurate, however the name that they are reporting is not my name nor did I reside at the address 's on my consumer file. XXXX XXXX XXXX is not my name XXXX is not the last four digits of my Social Security Number. 

XXXX ( Report # XXXX ) Refuse to delete inaccurate information such as the wrong Name, Social Security Number, and! 4 different address 's i never resided at. I have contacted XXXX and filled disputes on the Identity mix up. They responded saying the information was verified and accurate, but it's not the name my parents gave me nor is it my Social Security Number That was assign to me. XXXX XXXX XXXX is not my name and XXXX is nit the last 4 digits of my Social Security Number. 

XXXX ( Report # XXXX ) Refuse to delete inaccurate information from my credit report such as Public Records that they refuse to verify. I have disputed the information and they responded in a written letter saying that the information was verified through XXXX and it was accurate. They also have 14 different address 's on my credit file that has nothing to do with me. I filled a dispute letting XXXX know that it was Identity theft that occurred between XXXX I received a written notice saying the information was verified and accurate. They have used their power to report misinformation on my credit file. 

TransUnion ( Report # XXXX ) Refuse to delete inaccurate information on my credit file. They are reporting debts from XXXX XXXX that was verified as inaccurate and removed by XXXX, TransUnion stats that the debts were verified as accurate. They are also reporting a Public Record on my credit file that they refuse to verify, and give me the information they did verify. Transunion has 14 different address 's on my credit file that they claim are verified as accurate, I have never lived at the address 's and sent proof to all Credit Reporting Agencies.
Product: Debt collection

I purchased a system from XXXX XXXX as a free trial for {$24.00} and returned it to the merchant before the trial period expired since the merchandise was defective. The merchant never returned the initial amount of purchase but then charged me for the next month supply ( which I never received ) as a recurring fee of {$69.00} and I disputed the transaction and told them I have already returned the system and they should n't be charging my card with any recurring fees because I wanted no business with them. All I know after that I started receiving calls from a collection agency named Monterrey from which I have never received any mailing stating why they are charging me the amount of {$590.00} reflected in my credit score or how to dispute this transaction. They are harassing me with calls at anytime, even when I have told them to stop calling me at work, they got my house phone number even when I never gave out this number and have n't stopped calling me since. I called the original merchant for an explanation of why they are charging me that amount when they have the system back and they just blew me off telling me I need to talk to the collection agency. I 'm seriously considering a civil action against the XXXX companies for unlawful business practice ; they are charging me for an amount they have n't disclosed in detail why I owe them, then harass me at any given time they feel like calling me, I have asked them for a detailed explanation of the " debt '' and as a consumer I have not received any plausible explanation of this so called " debt ''. It 's been a year since I first purchased this merchandise and returned it, and it 's getting to the point that they are ruining my life with this issue, they will wake me up my sleep with calls. Please help me with this matter, I do n't know what else to do. Thank you.
Product: Credit reporting

Equifax is showing a derogatory account on my credit report with no creditor name. Please see the attachment.