23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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. 

account name : XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXXXXXX XXXX account # 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 crime 's 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: Checking or savings account

to mediator Please find the attached documents as evidence to prove I was on XXXX  on that day and I was nowhere around where that transaction took place. I'm a XXXX XXXX and on that day I was XXXX XXXXXXXX  from XXXX - XXXX with no breaks on that day. I showed the documents to the bank also to help with the investigation but they have declined. 

Your further assistance to investigate this matter is very appreciated.. 

Best regards, XXXX XXXX XXXX
Product: Student loan

In sum, my account has been in forbearance since XX/XX/XXXX and no period since then should be excluded under TEPSLF and the CARES Act. 

I applied for forbearance in XXXX of XXXX. Under TEPSLF, I understand that more than 12 months of forbearance would have allowed my period of forbearance to be counted as eligible payments. However, because of the COVID-19 moratorium on payments, FedLoan is not counting the 10 months ( XX/XX/XXXX through XX/XX/XXXX ) I was in forbearance as eligible payments even though they should be since the COVID-19 moratorium was imposed unilaterally in XX/XX/XXXX.
Product: Student loan

I have been paying huge late fees when I should n't have been paying them at all or very less than what I have been being charged. Also, I have been given misinformation every single time I call them with questions and each time a different person gives me completely different answers. It has been extremely frustrating working with this company. My loan amount was very large and I live in California for my job so the fact that they have been essentially stealing money from me for years has impacted my financial situation to the point where I could probably have bought my own place by now but am forced to rent a room at my brothers house. I paid them about {$8000.00} up front as soon as I graduated for the " outstanding interest '' ( not sure if that 's the exact name ), have never missed a months payment and have never deferred on my loan so I have been a good customer to them for many years now and I feel violated by the misinformation and have made so many life choices based on the extra money they have been charging me and the terrible information they have been giving me over the years. Going to university was supposed to be the greatest thing you can do in life and an honor and it 's been nothing but a nightmare ever since on the repayment side of it. I want to stress again that I have been working full time for years in a related field to my degree so i have fulfilled my obligations so far on my loan and they most certainly have not.
Product: Debt collection

XX/XX/2019 I was taken to the hospital via ambulance for an XXXX XXXX XXXX I was kept over night. XXXX refused to pay a medical bills. The hospital XXXX liaison failed to secure payment, and a local charity refused to respond. I advised the provider ( s ) in writing more than once that I was attempting to get the bill covered via XXXX and/or charity : neither responded. Every other provider has accepted compromise and settlement of their accounts. The subject company billed me for {$1700.00} ( with an unexplained total of {$2700.00} ) ; apparently referred the account to a collection agency ( PlusFour ) that refused to talk to me because I called and disputed the collection notice. Then I was notified by credit reporting that this company had issued a second collection notice in another amount, squatting on my credit report. They have refused to send complete information, they don't have to talk to me because I contested it. They continue to charge " interest '' on the fraudulent listing on my credit reports. I have sent a letter to the medical provider with a check in offer of full and final settlement. I am XXXX and XXXX where I can, using a friend 's address as a temporary mailing address. The provider hasn't responded or processed the check and the collection agency continues to refuse to correspond with me and provide complete paperwork on what they are trying to collect. The provider is an imaging lab that apparently billed above what the hospital charged which I did not agree to. The agency, PlusFour in XXXX XXXX, Nevada is in violation of FTC and CFPB regulations. I have acted in good faith and the provider and their collector have not.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the repeated and unsuccessful attempts to correct late open accounts on my credit report. Despite my persistent efforts and the passage of time, these inaccuracies remain unresolved and continue to negatively impact my creditworthiness. I first initiated disputes regarding these late open accounts. Since then, I have consistently reported these inaccuracies to your agency and provided the necessary documentation to support my claims, such as proof of timely payments. Despite multiple disputes and my repeated efforts, these late open accounts have not been corrected. The continued presence of this inaccuracy on my credit report has had detrimental effects on my credit score, financial stability, and overall well-being. I kindly request the following actions be taken promptly : A thorough and comprehensive review of my credit report to verify the accuracy of the late open accounts in question. Kindly help me correct the accounts immediately : DEPTEDXXXX XXXX XXXX : {$6500.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

DEPTEDXXXX XXXX XXXX : {$1100.00} - My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. 

DEPTEDXXXX XXXX XXXX : {$2600.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

DEPTEDXXXX XXXX XXXX : {$2600.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

DEPTEDXXXX XXXX XXXX : {$6200.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

DEPTEDXXXX XXXX XXXX : {$2300.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

DEPTEDXXXX XXXX XXXX : {$6300.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report.
Product: Debt collection

I was contacted on XXXX by Ally Financia and at that time I had spoken to a rep claiming that he is trying to secure payment for an auto loan and I immediately responded to him saying you have the wrong person and you all have been calling the wrong number for over a week. The rep apologized and assured me that my cell number would be removed from their dialer system in XXXX. On. XXXX I received yet another call from their company and by this time it is early morning. Prior to me phoning them I had 4 missed calls from them. I spoke with XXXX and asked for his supervisor and he then acknowledged that the only person he could transfer me to is in executive customer relations where I spoke to XXXX. I explained the issue to XXXX and I repeated to him that I demand to have to stop calling my number that this is a cease and desist. His comment is that they will remove my number as soon as I pay the bill. In my efforts I have gone as far to google their corporate off number, which are out of service or no answer. I 'm at my wits end and sick and tired of the constant harassment.
Product: Credit reporting

I had a mortgage loan that was foreclosed on in 2012. There were two loans issued by the same bank when they foreclosed they were supposed to satisfy the debt owed on both loans. They are still reporting the second loan as delinquent and with a balance due even though it is illegal under California laws. The loan was issued by XXXX XXXX XXXX.
Product: Credit card

I've been contacting this company for almost a year now. I was almost finished with all payments and they locked me out, but they keep asking me to pay. It is now pinging negatively on my credit report. They tell me to wait for an email to verify my account so I can get it unlocked, yet I've verified over the phone more than ten times. I never recurve the email and I'm unable to review my accounts or pay. I don't think this is a credible company and believe I'm getting scammed and they are potentially taking money from my accounts anyway.
Product: Credit card

Hello I received a {$300.00} credit limit on a Venture XXXX card I think this is very low credit limit and I have a good credit score of XXXX with XXXX and this is a mistake on XXXX  XXXX end and I would like a second review on this account and a larger credit limit increase not sure if they want to pull the other XXXX bureaus or not I will give them permission to do so. 


{$300.00} limit is not that limit I wanted on this account please review my account for credit limit increase
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer report and noticed one late payment on an account for which I have never been late. Consumer reporting agencies play a crucial role in accurately reporting consumer information. I have never missed a payment for the account mentioned in my complaint dated XX/XX/23. Please investigate and provide evidence, such as statements, demonstrating these alleged late payments. If no proof can be provided, I request that these payments be updated to reflect that they were paid as agreed and on time, as I have always been punctual. Thank you! Please find the attached screenshot.
Product: Debt or credit management

Initially, I borrowed {$25000.00} from XXXX XXXX. Over a period time, I had repaid {$16000.00}. I had reached out to the lender to ask for the potential for an adjustment to our monthly payment due to predicted hardship as the pandemic in XXXX began to unfold. 

XXXX XXXX  replied with a payment plan that would have had me repay over {$28000.00} to them over 60 months. This would have been on top of the {$16000.00} I have already paid. I replied to them that paying a total of {$44000.00}. I asked them if they can provide me with any other options since this would represent a total repayment that would represent a higher interest repayment amount than the interest rate and terms agreed to when I borrowed the initial {$25000.00}. 

Soon after these conversations took place, I received a piece of mail from what appeared to be a debt collector and never heard back from XXXX XXXX. I asked the debt collector to share the details of the loan with me as my husband and I were victims of the robosigning fraud that took place during the XXXX financial crisis. My goal was to ensure that the debt they were looking to collect was actual mine. I never heard back from that debt collector. 

Things went silent for a long time until O & L Law Group P.L. reached out to me via mail on XX/XX/XXXX of this year ( XXXX ). I then began the process of communication again and I asked for the proof that they are looking to collect a debt that was mine since I now notice that the loan may have been moved several times behind the scenes and I see a name of a lender, XXXX, that I do not recognize. I did not receive satisfactory proof from O & L that they are representing a debt owed by me. I have sent them several letters and they have replied without addressing my direct questions. 

I learned that O & L Law has filed a civil case against me in the XXXX XXXX Florida court. 

I have also suffered things that I have learned are violations of the law, such as having one of the debt collector calling a colleague of mine and stating that they were looking for me for a debt. I understand this is a violation in Florida. The other issue is that this shows as two separate debts on my credit report, when it should old be one. That has affected my credit.
Product: Debt collection

Debt was paid - satisfaction of jmt filed XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

For more than 21 days I have had significant reduction in all of my credit card accounts which include credit cards with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX. As a result my credit score with XXXX has gone from fair ( XXXX score ) to very good ( XXXX score ) and still even after making several disputes with XXXX and Transunion in regards to my current credit card balance reductions they have not updated my credit score and are making it incredibly difficult to get into an apartment. I feel XXXX and Transunion are being particularly almost deliberately slow to properly update my score to fairly reflect my credit worthiness. XXXX has been thoughtful and fair in adjusting my credit score with their agency in a timely manner as the other two ( XXXX and Transunion ) have been not even after filing several disputes with each of them. Please help me to resolve this as they evidently could care less how their inactions are unfairly effecting me. Thank you for your assistance and support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been A victim for identity theft since I was living in XXXX XXXX XXXX XXXX in XXXX New Jersey & I had a police report, also after I moved to XXXX XXXX XXXX XXXX I had another police report for identity theft, that someone using my social to open a two credit card in additional the one I open it on my own responsibility back on 2008, than I decide to close this card with the XXXX  XXXX because I can't trust them any more also I paid the balance in full amount ..., So why now I still see it on my credit report. I am the victim here ..... I am trying to improve my credit score, every account I have I am always on time never being late for my car loan & even I paid off the balance {$24.00} before the due loan time .... Even IAM still see negative side under my social with a different names which is I never have those names before XXXX XXXX XXXX XXXX XXXX ( exact ) XXXX XXXX XXXX ( exact ) Any others names it's absolutely wrong not used by me..... I really need to update my personal information to have a fair reputation I need help as far I am a victim of identity theft To clear up my record & this negative report from XXXX XXXX should be removed from my credit report ..., Specially XXXX  XXXX still send me offer to be a client with them again ) So why if a client being bad with them! Why do you still need me to apply with you again?? 
It doesn't make any sense to nobody. 
Thanks for your support to help me update my record specially I am the victim here
Product: Checking or savings account

12 CFR 1005.17 a financial institution holding a consumer 's account shall not assess a fee or charge on a consumer 's account for paying an ATM or one-time debit card transaction pursuant to the institution 's overdraft service Ever since opening my account in XXXX Associated Bank has XXXX XXXX $ in fees in regards to ATM and Overdraft Fees. They have charged OD fees from ATM transactions and one time debit transactions as well.
Product: Debt collection

On XXXX XXXX, XXXX I was given a written notice to vacate my apartment @ XXXX XXXX XXXX XXXX, XXXX, XXXX CA XXXX in 72 hours. The reason given : I was a nuisance to management & community.In XXXX XXXX I attended a City Council meeting with a list of complaints against XXXX XXXX, the mangement Company, based in XXXX.In the following month I was given a bill wanting me to pay {$930.00} for the monthly rent of XXXX, XXXX & XXXX XXXX. When I refused to pay it they sent it to a collection agency & it now affects my credit & I am not able to rent another apartment. So, now I am a homeless, XXXX Veteran. Can you please help me? 
I am presently living in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX voucher since XXXX XXXX, XXXX but not able to secure any permanent housing because of this unfair credit report,
Product: Payday loan, title loan, or personal loan

I, XXXX XXXX entered into a consumer credit transaction with Speedy Cash finance on XX/XX/2018. A consumer credit transaction is as transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges I was not expecting a bill. I have been receiving bills from Speed Cash since XXXX which is a violation of 15 usc 1692b. Also, I sent them a certified letter in the mail, stating I wanted them cease and desist. They have received my letter on XXXX XXXX according to the stamp but have still got a withdraw out of my account from them on XXXX XXXX.
Product: Credit card

On XXXX/XXXX/16 I purchased a {$100.00} Walmart Gift Card at Walmart, XXXX, NJ on my Walmart Credit Card. I mailed the Gift Card and receipt to a family member in Pennsylvania. 
They tried to use the giftcard on XXXX/XXXX/16 and was told they was " XXXX '' on the card. 
It was investigated and found the giftcard was used on XXXX/XXXX/16 at another Walmart, XXXX, NJ. I contacted Walmart XXXX to ask for help. I asked the family member to return the giftcard and receipt. Corporate had me go back to the Walmart XXXX NJ to speak to the store manager. After a 2 hour store investigation they said there was nothing that could be done to get my {$100.00} back. It appears the giftcard was hacked. I contacted Walmart XXXX several time and was redirected to different departments, with no resolution.
Product: Debt collection

I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine. 
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. 
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
15 USC 1692 ( c ) ( I ) Ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure.

( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. 
Your Options are as follows : 1 ) Delete this account and cease and desist with all collection activities ; 2 ) Settlement ; or 3 ) We go to court, and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages. 
SINCERELY, XXXX XXXX
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 ) ( XXXX ) require the XXXX 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****Balance Owed : {$5.00} XXXX  XXXX XXXX Owed : {$5600.00} XXXX  XXXX Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$6200.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXX****Balance Owed : {$5.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$760.00} XXXX  XXXX Balance Owed : {$5600.00} XXXX  XXXX Owed : {$7500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$6200.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$760.00}