23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This XXXX XXXX XXXX  XXXX is contacting me through email, Stating I owe money {$980.00}, from pay day loan. 
My concern is is this a legitimate company or not this XXXX XXXX XXXX XXXX? 
I am XXXX only receive monthly income from Social Security XXXX insurance. So I dont want to send money and be scammed out of money, I really dont to give.
Product: Student loan

Several years ago I enrolled in automatic payments and unfortunately did n't do my due diligence on following up with the loan provider. Logging in our account and seeing were our money has gone has been incredibly devastating. I am a XXXX and graduated from a college that is now closed. 

School : XXXX ( now closed ) Loans : XXXX {$28000.00}, and XXXX {$22000.00} TOTAL AMOUNT : {$50000.00} Payments started XXXX, with the first payment being {$25000.00}. It was NOT applied toward the principal balance XXXX Automatic monthly payments of {$240.00} were setup XXXX/XXXX/XXXX payments increased to {$250.00} XXXX/XXXX/XXXX payments increased to {$280.00} Since XXXX/XXXX/XXXX Navient has been charging LATE FEES ranging from {$13.00} - {$30.00} even though I am enrolled in automatic payments. 
95 % of payments have been applied towards INTEREST and FEES. 

The loan reflects a XXXX % variable interest rate. As of today, XXXX there is a principal balance of {$24000.00} and {$15000.00}, totaling {$40000.00}.
Product: Credit reporting or other personal consumer reports

These inquiries ware fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 two student loans account that are on XXXX and Equifax due to Fraud! They were listed on XXXX but were removed XXXX XXXX, 2017 with police reports and ftc affidavits. XXXX forwarded the information to both XXXX and Equifax which they have to do because its a identity theft/ Fraud situation. XXXX refuses to delete the accounts as well as equifax. XXXX I 've called 4 different times and they told me they can'T remove items that are fraudulent even if the other bureau proved it was fraud This seems so wrong and a violation
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine
Product: Credit card or prepaid card

From XX/XX/XXXX - XX/XX/XXXX there was more than {$25000.00} withdrawals from my unemployment account they did various fraudulent transactions to which I made the company aware
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted paperwork regarding these accounts several months ago and they still appear on my credit file.
Product: Payday loan, title loan, or personal loan

I am the POA for my XXXX father who suffers from XXXX. He sought out medical assistance for neuropathy with a company called XXXXXXXX XXXX XXXX XXXX in XXXX XXXX, Illinois. My father thought he was seeing a physician based on a TV commercial and didn't realize this was holistic treatment and not covered by his insurance. When I realized this from his showing me the intake paperwork, I informed him that the office was not part of his medical coverage. Unbeknownst to me, he continued to seek treatment from XXXXXXXX XXXX XXXXXXXX XXXX. After receiving a call from their office inquiring about an email address for my father, I was told he was being seen for treatment and the email address was needed for consideration for a loan for medical equipment and services for neuropathy. I informed the office staff of my father 's condition and stated I was his POA and that he was not capable of making medical/financial decisions on his own. The loan was processed and he didn't realize it until he received a statement from XXXX XXXX. When he became aware that it was a loan, he immediately paid the loan in full. However, he has paid for equipment that he doesn't know how to use and this loan paid for services that were never rendered by XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ). I filed a complaint with XXXX XXXX, Ally and our local XXXX on XX/XX/22 and as of date, no resolution has been made.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the phone on hold with Experian again now, first rep name XXXX advised him addresses on my credit report I have never lived at told him I am a victim of identity theft he said accounts are attached to multiple accounts on my credit report, party gave the information which are all fraud accounts in which they have received a theft report. I told the rep again I have never lived at the address on file at XXXX XXXX XXXX and was told I need to contact the fraudulent creditors on my report he refused to remove this address, this is a huge problem! I can't verify a address I didn't live at.. I need this address removed asap this could cause another breech with my personal information. I also need the information from Experian they are using to verify this fraudulent address they are refusing to remove. I need the name of Furnishers, Something with my signature as required by Law with the FCRA. I will not call & give my personal information to companies I have no knowledge of > This has to be illegal, my next step is a civil lawsuit to see if other victims of identity theft are having the same issues with this.I am also on hold again for another 30minutes.
Product: Checking or savings account

on XX/XX/2023 USBank took XXXX dollars out my account due to someone stealing my check we have pressed charges on her we going to court for it > but due to us bank taking it out my XXXX account it shut my account down I lost my account an i have over XXXX XXXX  threw up in the air cause u won't give it back the check that ya let her come in there an cash it stats on the back of my payroll check deposit only for chase an ya allowed her to come in there cash it again.my bank has send numerous complaints in a nothing getting done. due to XXXX XXXX XXXX being my employer 's banker, nothing is getting done. i have hired a attorney for this because this isnt my fault an no one wants to give my money back look on the check it says only to chase to be deposited an ya let her cash it again on XXXX XXXX an we deposited on XXXX
Product: Credit reporting or other personal consumer reports

I tried to le my taxes and it did not go through. My accountant advised me that it did not go through because I was claimed as someones dependent. I never authorized anyone to use my information and denitely am not someones dependent. I feel as if I am a victim of identity theft. I was advised to report this to the credit bureaus. I called XXXX and they told me I had to report this on here as well.
Product: Checking or savings account

Capital one has been withholding my funds without allowing any access to them for over a month, Ive reached out several times asking them to close my accounts and mail me my funds to no avail. This has been a nightmare dealing with Capital one because I need my funds for my livelihood and daily spending. Theyre holding {$16000.00} of my money and Id like it reimbursed.
Product: Debt collection

I am writing to formally complain against XXXXllied Collection Services, also known as XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( Phone : XXXX ). Their actions have escalated into harassment, causing severe emotional, mental, and financial hardship for me as a single mother. 

My efforts to secure stable employment in XXXX XXXX have been undermined by workplace discrimination, harassment, retaliatory layoffs, and driven jealousy from women, making it increasingly difficult to cover basic living expenses. Following a XXXX XXXX my settlement funds and savings were garnished by Allied Collection Services. This seizure occurred just as I was about to resume rent payments after receiving assistance from XXXX XXXX XXXX XXXX XXXX XXXX program, placing me at risk of another eviction. They garnished my wages just six days before rent is due, exacerbating my financial struggles. 

The garnishment occurred the day before XXXX XXXXXXXX, causing a delay until the following Monday, adding to my stress. This situation has severely impacted my ability to meet responsibilities and maintain my well-being. I am doing everything I can to provide for my child, but the situation has become unbearable. 

The head of their legal department has targeted me following an in-person verbal altercation during a visit to make biweekly payments. Despite my compliance with a payment plan of {$500.00} every two weeks, totaling {$4100.00} to prevent an eviction record, I recently discovered that {$4100.00} was garnished from my bank account without prior notice. My credit report shows a collection mark of a balance of {$13000.00}, including late fees, with no acknowledgment of my {$4100.00} in payments. I find this omission to be deceptive and unethical. 

I respectfully request that the State of Nevada investigate Allied Collection Services practices. I am seeking the return of my garnished funds as well as the {$4100.00} I have paid, the removal of the collection mark on my credit report, and the removal of this and any eviction-related records to put an end to an end to this harassment. Please let me know if you need further documentation. I can be reached at XXXX or XXXX. Thank you for your attention to this urgent matter.
Product: Mortgage

I applied for a refinance of my coop mortgage with Chase Bank ( my current mortgage holder ) on XX/XX/2021. I have submitted everything they have requested, multiple times. My account specialist has changed four times since this process had begun. I have called and emailed each of them and got no response, until I call/email their supervisor, however the supervisor has changed again. I am routinely told various excuses from " there was a misspelling, wrong account number entered, waiting for my coop insurer XXXX XXXX to submit paperwork ( done several times over ), the Insurance underwriters are still reviewing, etc. I am always assured that the closing will occur very shortly. Now, it is XXXX XXXX 7 MONTHS later and I still am nowhere with this refinance.
Product: Payday loan, title loan, or personal loan

Received an alert from XXXX today, XX/XX/2020, that there is an application for a loan with CashNet and that needed to be researched. The XXXX tech called CashNet and was placed on hold for two hours where I was instructed to wait until Monday, XX/XX/2020, to try again to get through to CashNet. CashNet had automatically emailed me with a loan offer about two weeks ago in which I deleted. Hence, according to XXXX someone is using my personal information to apply for a loan with CashNet.
Product: Student loan

My loans are serviced through Navient. I have been on the REPAYE program for 2 years. I receive all of my correspondence from Navient through email including a debit warning and payment confirmation every month. I did not receive a notice about my annual renewal for REPAYE and missed the deadline to recertify by 2 days. There was a single notification in the Navient Inbox with all of the payment confirmations that I get by email but this one was not sent to me.
Product: Debt collection

Out of the blue a month or two ago I started receiving several phone calls per day including calling my place of employment from them. It was non stop calling every day. I called them back and would always end up leaving a message. A couple of time I would be on hold for over 10 mins until I was able to speak with someone. I did speak with XXXX. Soon as I was on the phone with her she immediately said that there was going to be a lawsuit against me for a unpaid debt/sending it to an attorney in my state. Then as we went further into the conversation she asked alot of personal questions as to why I had the debt. It was to the point where I felt very uncomfortable with talking to her. I felt like she wanted my life history and it was just to personal for her to know that information. As I was setting up a payment plan, she wanted my bank account and my debit card information in which I felt was unnessary. They only would take auto payments. But I gave her my bank account information. I also got two letters from them before speaking to them. I do not believe that their business practices/way of collecting debts is professional. It was threatening.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the year XXXX  my husband was XXXX of XXXX. I had to contact a debt management company for help. The following companies agreed to close the accounts for less than the money owed. They listed the accounts as XXXX on my credit report. I would like to try to have them removed as I am in the process of applying for a mortgage and they are bringing down my credit score. Since that time, I have not had delinquent accounts and I am hoping to get this cleared from my report asap. 
XXXX XXXX XXXX XXXX Can you please help me remove these charge off accounts?
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The initial complaint that I submitted is attached and named XXXX XXXX XXXX Complaint Detail. ( XXXX XXXX is hereinafter referred to as XXXX. ) 2. In my XX/XX/2018 letter to XXXX   I requested validation of their claim that I owe {$520.00}. Specifically, I requested competent evidence bearing my signature, showing that I have ( or ever had ) some obligation to pay {$520.00}.

3. As you can see in XXXX XXXX  response to the complaint, it provided a copy of a bill ( attached ) as supposed validation. A copy of a bill does not constitute validation.

4. As per the FTC Opinion Letter of XXXX XXXX XXXX, I am sure XXXX, TransUnion, and XXXX  are aware that a printout of a bill does not constitute validation. Thus, well over 30 days have passed and XXXX has failed to provide a copy of any viable evidence bearing my signature.

5. The reported {$520.00} item is inaccurate and incomplete and represents a very serious error in your reporting. The item should be permanently deleted.

6. Additionally, as I am sure XXXX   and TransUnion are also aware, XXXX has a very unclean reputation when it comes to debt collecting. I have attached some excerpts from the Consumer Affairs website. As you can see, XXXX will stop at nothing short of lying, creating false accounts, threatening people, initiating annoying robocalls, and more.

7. This CFPB complaint system is the perfect ally for those of us who are being treated unfairly by companies like XXXX
Product: Student loan

In 2016 I received written correspondence from Navient indicating that my loans ( XXXX ) were eligible for re-organization and consolidation of terma ( or something to that regard ) that was going to lower may payment. Should be noted that i had not requested any such thing nor had i missed any payments in over 5 years at the current rate. When i called Navient to inquire on what was being changed it became clear that they were automatically going to reduce my payments by extending the loan amortization period an additional 10 years. I had to verbally elect out at that time. The automatic and misleading nature of the correspondence was extremely worrisome but thankfully I have the financial expierence to recognize this type of covert and dishonest buainess practices to increase the amount of funds I would have paid over the extended life of the loan.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX have hit my credit report for $ XXXX I have disputed it many times and nothing is getting done about it and its still affecting my credit!! That account was not opened by Me! I need help getting this resolved!!
Product: Payday loan, title loan, or personal loan

I attempted to obtain a personal loan from this company & they denied me credit. This is a direct violation of 15 usc 1691 ( a ). Them denying me my credit is extremely untimely. I may lose my apartment & vehicle because of this denied credit. I have just started a new job on Monday XX/XX/2021. And without this credit I wont have a means to go to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an FTC complaint. Report # XXXX It's illegal to furnish income on a consumer report. A Charge-off, according to the IRS, is income and the company must file an 1099-C.

PLEASE REMOVE ACCOUNTS BELOW DUE TO INACCURATE REPORTING Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Account numberXXXX Charge-off XXXX  Account XXXX Charge-off XXXX XXXX XXXX  Account number- XXXX Late Payment XXXX XXXX XXXX XXXX Account number- XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued reporting of inaccurate and false information on my credit report. This is my third attempt to resolve this matter, and I demand immediate action in compliance with federal law. 

Pursuant to 15 U.S.C. 6802 ( Financial Privacy Rule ), I hereby exercise my right to privacy and demand that you cease the unauthorized dissemination of my financial information to third parties, including credit reporting agencies, without permissible purpose or my express consent. 

Additionally, under 15 U.S.C. 1681b ( Fair Credit Reporting Act Permissible Purposes of Consumer Reports ), you are required to ensure that any reported information is accurate and provided with proper authorization. If you can not verify and provide lawful documentation supporting the validity of this debt, you must immediately remove it from my credit report. 

Furthermore, any attempt to knowingly furnish or maintain inaccurate or fraudulent information could be deemed identity fraud under 18 U.S.C. 1028A ( Aggravated Identity Theft ). If you are reporting incorrect or unverified debt information in my name, this constitutes a serious violation of federal law. 

I formally requested Form XXXX along with a document bearing a wet signature that verifies the authenticity of the alleged debt. Additionally, I have provided authorization permitting the disclosure of relevant information, including reporting to credit agencies. If you can not produce these documents, you must immediately cease reporting this invalid debt to the credit bureaus. 

Failure to act on this matter may result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as potential litigation for willful noncompliance with federal statutes. 

I expect a written response within XXXX days of receipt of this letter, confirming the removal of this erroneous information from my credit report. A copy of this dispute will also be submitted to the credit bureaus. 

Sincerely, XXXX XXXX
Product: Debt collection

I took out a {$100.00} payday loan from Advance America in XXXX, XXXX. It was due on XXXX, but I contacted them and got a deferral until XXXX. Despite the deferral, they have called repeated over the last couple of days. They only called a couple times, maybe 3 times on XXXX from their local office number of XXXX. Today, on XXXX, they have called over XXXX times starting at shortly after XXXX and calling every XXXX minutes from a variety of numbers. Just while trying to type out this complaint, theyve called twice. They dont even leave a voicemail, they just hang up and then call back about XXXX minutes later. I have been approved for a deferral so they shouldnt even be calling me at all, but especially not as frequently as they have called me today.
Product: Debt collection

I am contacting the CFPB to file a complaint against Portfolio Recovery Associates regarding their aggressive and illegal debt collection practices. They have repeatedly contacted me regarding a debt that I believe is unverified and have used threatening language to pressure me into making payments. They have not provided proof of the debt. I never had a contract with this debt collector for any debt. They are trying to sue me for a debt they do not own. They have sent a process server to my residence 5 times when I was gone. This is harassment! 

Portfolio Recovery is engaging in illegal debt collection practices, including details like : unverified debt attempts, harassment, threats, misleading information about the debt, attempts to collect on a debt outside the statute of limitations, or failure to provide proper documentation when requested ; and request an investigation into their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act the list below g Has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct Account number XXXX XXXX  XXXX Acct Account number XXXX