23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Yesterday I contacted your company to ascertain the nature of your complaint. I was made aware when reviewing a XXXX notification that this same century link debt had been handled by another collection agency which subsequently withdrew their claim. Your representative said century link claimed I owed {$210.00} from a XXXX closed account. I disputed the claim and stated I wasnt even aware of century links claim until I saw the XXXX notification. I pointed out trying to locate a XXXX year old statement and then tracking down payment information for such an old debt was reason to just pay the claim but I wouldnt pay for a bad faith claim. I said I would give more thought to the situation but I wasnt inclined to make the payment without proof the debt is owed. 
Today ( XX/XX/XXXX ) my stepmother informed me had been contacted by trans world on multiple occasions ( including yesterday XX/XX/XXXX ). My stepmother is grieving the loss of my father who recently passed away. Having a debt collector harass my family over a disputed debt during a period of deep emotional strain is simply cruel and abusive tactics. I believe trans worlds conduct violates the rules established by Congress to protect consumers. I am asking this agency investigate my complaint and take the appropriate action to compel trans world to stop using such abusive and unconscionable tactics.
Product: Vehicle loan or lease

This complaint is against XXXX XXXX I bought a vehicle in 2017 the vehicle purchase price was XXXX I put XXXX down payment loan was for XXXX dollars I have been paying for XXXX XXXX  .I had some financial problems throughout the years and they gave me extensions they never said i will owe this at the end they just said there extending my loan now my loan matured and they are demanding XXXX dollars to be paid in XXXX lump sum I asked them to give me a payment plan and they refused and repossessed my car .I feel like they robed me right in front of my house this has to be against the law I have been reading and this bank has done this to many people and I feel like it's wrong and I need some help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from Equifaxs Data Breach. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my Data Breach Settlement.

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX  {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

MY CREDIT CARD WAS USED TO CREATE THE ORIGINAL EXTENSION OF CREDIT FOR THIS TRANSACTION, MEANING I AM THE ORIGINAL CREDITOR. AS THE ORIGINAL CREDITOR I WAS NOT AWARE OF ANY DEBT ( S ) WOULD BE APPLIED TO MY CREDIT CARD FOR SIMPLY EXTENDING MY CREDIT TO CAPITAL ONE. I WAS NOT AWARE THAT ANY FINANCE CHARGE WOULD BE APPLIED TO MY CREDIT CARD. PLUS THIS ALLEGED BILL APPEARS TO BE IN THE POSITIVE. CAPITAL ONE HAS NO EVIDENCE OF ANY ALLEGED INDEBTEDNESS. IF THEY DO HAVE ANY ALLEGED AGREEMENT ITS NULL/VOID BECAUSE THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH CLEARLY, CONSPICUOUSLY, OR REASONABLY. THAT MAKES IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY ALLEGATIONS CAPITAL ONE IS ALLEGING. I NEVER RECEIVED ADEQUATE NOTICE PLUS CAPITAL ONE KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AGGRAVATED IDENTITY THEFT. CAPITAL ONE REPORTING FALSE ALLEGATIONS TO 3RD PARTIES ( CREDIT BUREAUS ) IS ALSO A VIOLATION OF MY FEDERAL RIGHTS.
Product: Credit card or prepaid card

While reviewing my XX/XX/XXXX XXXX credit card statement which is issued by Comenity Capital Bank, I observed an unauthorized charge on the amount of {$390.00} from XXXX XXXX XXXX. Since this charge was not authored by me I contacted the bank and i filed a dispute. After filing the dispute i waited about 3 weeks to find out the status of the dispute and at the time I learned that the dispute was not filed by the bank. 
On XX/XX/XXXX I filed again a dispute for the same aforementioned charge and this time the dispute was filed. Since the bank 's policy is 30 days to investigate the dispute and to give a resolution I called them back on XX/XX/XXXX to follow up on my dispute and at that time I was told that they were still investigating the dispute to call back in a couple of weeks. 
On or about XX/XX/XXXX I called the bank again to check about my account and the answer is the same, we are still investigating. 
After that called I being calling almost every 2 to 3 weeks .and the answer is still the same. 
The bank has violated their credit card agreement as their agreement clearly states that in 30 days the disputes will be resolved. It is already 8 month and the dispute is still being investigated. 
Their customer service is horrible and their negligence is affecting me financially as they have not even issued a temporary credit and the disputed amount is still my responsibility. This bank dont have any sense of urgency and they dont understand the damage they are causing me and they dont understand the legal complications that violating their credit agreement can bring to them. 

Finally, since I filed the dispute for second time I have not received information at all from the bank in writing in regards to the dispute. 

Since they are taking serious this matter I am involving for the regulatory agency to take action and to enforce their credit card agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that the accounts reporting on my report were investigated but how is that possible if dates, addresses, and names are inaccurate. This is grounds for removal. Furthermore, they have violated my rights under 15 U.S.C 1681 section 602A which states that I have the right to privacy.

15 U.S.C 1681 section 604A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written consent and/or instructions. 

Also the Credit bureaus took more than 30 days to complete my investigations, here is my certified mail trackings # 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 am writing this letter to simply delete the following information in my credit file. The items I need deleted are attached. I am a victim of identity theft and did not make those charges. I ask that the items be deleted to correct my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires on my credit report that was not authorized by me, please remove, I was a victim of identity theft in the past
Product: Payday loan

hi my name is XXXX XXXX and I recently received a loan from BIG PICTURE LOANS for {$800.00} and I was told that I would be paying {$1000.00} back for borrowing that amount and that I have options to pay it back however I like. At the time that I took out the loan I had no idea what I was getting into until I had already received the loan and then I was informed that I would be paying it back twice a month rather than once a month. I have contacted them multiple times to tell them that there is no way that I could possibly do that given my current job situation and they had told me that they would work with me if necessary not to worry about it, so when I contacted them back to try to come up with a resolution for this they wanted no parts of helping me and they continually take money out of my account every two weeks and it is about to make me lose everything I own because I do n't have it like that to pay them like that. I have already reached the amount of money that I borrowed plus the {$280.00} that they said they were going to make off me and now when I talk to them they tell me that until I actually send them the total amount in full ( {$1000.00} ) again all at one time that they are going to continue to take money out of my account until they make some absurd amount of ( {$6000.00} to {$8000.00} ) which I most certainly can not afford given my current situation. do I have any options and if so please let me know. I bank with XXXX XXXX XXXX in XXXX XXXX I work hard to take care of my house XXXX step kids and my girlfriend as well as my animals. I have also lost my cell phone account and have defaulted on XXXX credit cards as well because they did not live up to their end of the deal. I am at my wits end with this and need help! PLEASE! also this very day while filling these forms out I tried contacting them to get my loan number and the first guy said I could not have it and then proceeded to hang up on me so I called back and the next person gave it to me. What a joke of a company and absolutely no way to do business I also have proof of this as all my calls are recorded as well for " quality assurance ''.
Product: Mortgage

In XXXX we were sent a escrow overpayment check from our mortgage company Amerihome Mortgage. In XXXX we received a statement and our payment had gone up. We called the mortgage company and they explained to use that the payment had gone up due to a shortage in our escrow because of a forced gap insurance on our policy. We asked then why there was a shortage when we had only had the house a year and it was enough to receive the mortgage. We made the payment to cover the " gap insurance '' and our mortgage went back down. Then in XXXX there was another credit for over payment. In XXXX we received a mortgage statement and our payment had gone up again. The first customer service rep told us that it was extra insurance added due to earthquake insurance. ( which is covered under our home owners and we are not on a fault line ) The next day we received another call saying it was not earthquake insurance but more flood insurance. ( which would now make twice on top of our original flood insurance we already pay ) The customer service rep stated that we pay {$2400.00} a year in insurance and we need to maybe look around for other insurance. We contacted our insurance company which states that we only owe {$1600.00} a year. When we contacted the mortgage company again the customer service rep just kept arguing and hung up on me. They are telling me that it is extra insurance but our insurance says otherwise and frankly we are at a breaking point.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are violating my consumer rights according to U.S. Code 1666b and U.S. Code 1681a ( 2 ) ( a ) ( i ). I seek information regarding the verification process used by Experian, XXXX, and XXXX to report late payments on my XXXX account, in line with U.S. Code 1666b. XXXX XXXX XXXX XXXX ( XXXX ) NEVER mailed me periodic statements 21 days before the due dates, as required by U.S. Code 1666b, for specific dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I question the inclusion of these late payments in my credit report under U.S. Code 1681a ( 2 ) ( a ) ( i ).
Product: Credit reporting or other personal consumer reports

Navient was sued and I guess the closed and have transferred me to XXXX. In process, navient has reported a late payment for XX/XX/year> and there was not. My credit score has dropped. I have proof from my XXXX XXXX account that they drafted the money from my checking account on time.
Product: Student loan

When my income based student loan payment ( IDR ) came up for renewal for the first time, I believe the summer of 2017, instead of getting an email ( or letter ) stating that a renewal application was due, I received only an email saying there was a new document available to be viewed in my online account. The wording in this email was so similar to the generic language included in my monthly billing statement, that I did not realize the document it referenced was a notice about the renewal process and deadline for continuing in IBR. I then received a billing statement for approximately {$2000.00} instead of the approximately {$500.00} I had been paying with IBR, as I had missed the renewal window. When I called Navient in a panic because I could not afford the higher monthly amount, the representative on the phone told me it would be no problem to pause my payments for a month or two so I could reapply for the IBR program. No warnings about the implications about the pause were provided and I agreed and was approved for IBR and back down to my normal payments within 2 months. At no time was I informed I was bring placed in a forbearance that would cause my entire loan balance to by recapitalized, increasing the cost of my loans but more than {$50000.00}. It wasn't until I was reviewing my loan details months later that I realized what had happened. The capitalization has essentially guaranteed that I will never cover more than the interest payments on my loans during the 20 years of payments I'll be making. I believe Navient engaged in misleading and predatory practices by offering a " pause '' at the push of a button over the phone with no explanation about the consequences and no paperwork spelling out the capitalization process that it would trigger.
Product: Checking or savings account

I recently switched direct deposit accounts to my Chase Bank checking account for my paycheck and its set to be processed for the next check. However I had to deposit a paper payroll check in the account before then, for less than {$150.00} and usually the funds are available in a day or two at most. This time, Chase put an 11 calendar day ( 8 business day ) hold on the deposit and provided no reason for this. I sent Chase a secure online message on XX/XX/XXXX, asking for clarification, but they ignored this message entirely. At XXXX XXXX on XX/XX/XXXX I called them as the long holiday weekend was approaching with no payroll funds. I was bounced around on the phone until I finally spoke to their fraud detection department whose rep could provide no information about the reasons for this delay. I then asked to speak to a more senior level rep and after a long hold spoke to a XXXX person who after looking into the account informed me that Chase considers checks and deposits issued by my employer including payroll checks and deposits to be high risk. She was unable to define this or provide any further information about the ( a ) nature of the risk and ( b ) implications for future checks and direct deposits. When I asked - she just hung up. 

I need to pass this information on to my employers finance team, but Chase ( as XXXX the Fraud team supervisor indicated when she hung up ) appears to be unwilling to provide any information about the reasons these funds are considered high risk by Chase Bank and what delays I can expect if I agree to allow direct deposits to be sent to my Chase account.
Product: Checking or savings account

Someone gave me a fake check of {$5000.00} On XX/XX/XXXX I deposited it not realizing it was fake. The person was asking for the money back so I was transferring it back to them. Then my bank tells me on XX/XX/XXXX it was a fraudulent check and they are not helping me get the money wavered or reimbursed.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT XXXX  XXXX XXXX IS FRAUDULENT. ATTACHED IS A FTC REPORT.
Product: Debt collection

Date : The year of XXXX : Fraudulent charges were debited and credited from my account while I was mentally and physically compromised by XXXX Date : XX/XX/XXXX - Lawsuit filed against me, XXXX XXXX for XXXX XXXX ( XXXX ) XXXX credit card debt Date : XX/XX/XXXX : Papers were served to me at my home at XXXX XXXX XXXX, XXXX, TX XXXX Aumount of debt : {$14000.00} Summary of Actions : 1.After falling sick  with XXXX that XXXX  my XXXX, XXXX, and XXXX function, my identity was compromised along with several of my credit cards, among them were XXXX XXXX XXXX and XXXX. 
2.I filed for identity theft with the credit bureaus under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. 
3.The creditor, XXXX sold of transferred the debt to Resurgent Acquisitions LLC in Delaware, which further sold or assigned the debt to LVNV Funding, also in Delaware ( see attached assignment papers ) 4.I am now in the process of filing a response to the lawsuit by LVNV ; however, I need you to intervene for a dismissal of these charges, since I can not afford legal representation as of my currently depressed financial state.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong Inquires showing on my account on all the XXXX credit bureau for XX/XX/2022. I have called all business and they say there is nothing on my name in there system. I am wondering why it is showing in Equifax, XXXX XXXX XXXX. Can you please help. I am reaching it XXXX time to CFPB so that i can get help. 

Equifax credit report : Hard Inquiries Enquiry Date : XX/XX/2022 Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Note : I was able to file dispute successfully online on Equifax XXXX. Please help in looking into it & remove the hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called XXXX XXXX and XXXX XXXX XXXX and they say there is noting on my name. 

******************************************* XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX website don't allow Inquiries to be disputed online. It says if you believe an inquiry is the result of identity theft, contact us at XXXX. I called this number filed dispute and i have been told that this will be removed. XXXX  Dispute number : XXXX. Please help in looking into it & remvoe the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also callled XXXX XXXX and XXXX XXXX XXXX and they say there is noting on my name. 

*************************************************************** XXXX : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : Phone number not available Inquiry Type : Individual Note : XXXX website don't allow Inquiries to be disputed online. Please help in looking into it & remove the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called XXXX XXXX XXXX  and XXXX XXXX XXXX and they say there is noting on my name.
Product: Credit reporting or other personal consumer reports

Experian reports contain incorrect information regarding a credit account I did not open with XXXX XXXX through XXXX XXXX. I opened a dispute which was eventually denied. I contacted XXXX XXXX  directly as instructed by Experian and was told they could do nothing since the account had been closed in 2021. XXXX referred me back to Experian. 

Experian was no help whatsoever. I am concerned with the information being on my credit report as I have learned that my SSN has recently been compromised. 

The report reflects that the account was opened for an individual with the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID # XXXX Single family I have never lived at that address, nor have I ever visited XXXX Florida . I do not have any friends or relatives in that area so I can only assume that the application was fraudulent and I would like all references to that account removed from my credit history.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I request that all accounts associated with the following entries be blocked and deleted pursuant to 15 U.S. Code 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ) : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Hello, My credit report was pulled without my permission based on information from the monthbefore. I specifically told the person on the phone I did not want my credit run and then I received something in the mail stating they ran my credit a Second time around XX/XX/2019 and were trying to proceed. I only gave permission for it once in XXXX, which they did, and we did not want to proceed. Again I specifically stated I did NOT want my credit run. I'm not sure how to fix this problem and take it off credit report. We also want all personal information deleted from their accounts so they can do this again.
Product: Credit reporting or other personal consumer reports

Remove from transunion, equifax, experian all inaccurate names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX remove immediately. Remove inaccurate addresses : XXXX XXXX XXXX removed. Inaccurate acct without proof of signed consent and orginal Proof that the collection agency has the right to collect the debt. Any judgments obtained. Demonstrate the Debtis still valid under the statute of limitations 15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681 e ( b )
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX : {$8500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a new XXXX from XXXX XXXX finance XX/XX/XXXX and 5 months later it was totaled by another driver that hit me in XX/XX/XXXX. I was making my monthly payments that XXXX was slow to report on my credit report at first. When the car was totaled, the other insurance company made a pay off in XX/XX/XXXX which did not settle the balance. I had to do a dispute to show the reduced balance since XXXX was still showing the full amount due. The dispute was done XX/XX/XXXX and completed XXXX XXXX, XXXX. In XX/XX/XXXX XXXX started calling me to make payments when I told them it was in a law suit and would be settled. I finally made 2 payments of {$400.00} on XX/XX/XXXX and XX/XX/XXXX. XXXX never reported those payments. I received my settlement in XX/XX/XXXX and XXXX accepted a reduced offer of {$2200.00} for the balance on XX/XX/XXXX. I had to call about 20 times till I finally got my pay off letter on XX/XX/XXXX. I started another dispute since the 2 payments were not showing up and finally on XX/XX/XXXX my reports were updated but had the wrong information. It showed account was open and there was a balance. It is taking me so long waiting the 30 days for a dispute so I have turned to you to see if I can get results in a more timely matter.