23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company called my neighbor in attempt to obtain my contact information on XX/XX/year> XXXX
Product: Payday loan, title loan, or personal loan

I had called and talked to one of the customer care reps because I wanted to payoff my XXXX XXXX XXXX XXXX and take out another loan and was told that I could do that but that I just needed to pay my membership fee to qualify and that once the loan was paid off it would take 2 days to clear out. I met all of the qualifications but then they told me I no longer qualify because I needed an outside account and that account would need to have 2 months of automatic payroll deposits. I told them that had I known that info ahead of time I would have handled the payoff different and I would have not paid the membership fee. I have attached a file where they tell me that I can get another loan if I choose yet the application would allow me in
Product: Credit card or prepaid card

On XX/XX/2022, I attempted to make an online payment on my account. I discovered that my account was locked and I needed to contact the security department. As i spoke with a security analyst, I was told I needed to answer security questions to verify my identity using public record information. The questions were answered multiple times correctly i was told that my identity still can not be verified. I was advised there are only 2 ways to unlock my accoubnt, by sending them via fax a copy of my social secuity card or a copy of my drivers license and a copy of a utility bill. Neithe4r of these options are safe or secure and opens myself up to potential identity theft threats. I spoke with the cutomer service XXXX XXXX, who again advised I must send my documents again. When Asked the level of encryption used to protect my documents he said he was not sure. I am now unable to pay my bill or access my account without the possibility of putting my identity in jeoprady.
Product: Student loan

I noticed that my private student loans currently being serviced by Discover Student Loans have been charged late fees in the last XXXX billing periods. My due date is the XXXX of every month, and my payments were received by them on XXXX XXXX and XXXX XXXX. I want to make sure they reverse these fees and remove any delinquencies on their records as well as any delinquencies they may have reported to the credit bureaus. 

I tried to chat with them, but sat on hold for quite a while with no response. I called them, and an agent said she was transferring me to the " payments screen '', then after several minutes on hold, she came on the line and spoke to me over the hold music asking if i wanted to try back later, I said I 'd like to continue to hold and she hung up on me. Lastly, I tried to send a message through their own internal message system on their website, and it wo n't let me submit it, giving me this error : " Message : Re-enter using letters or numbers as required '', here is the message I was trying to send : " I really hope you can help me, because I just got hung up on while on hold for XXXX of your payment representatives, and I sat on hold on chat for quite a while before giving up. I noticed my minimum payment has been fluctuating over the last XXXX billing periods, so i viewed my statements and saw that I 've been charged late fees on my last XXXX statements. My due date is the XXXX of every month, and my payment history shows my last XXXX payments were received XXXX XXXX and XXXX XXXX, so I 'm not sure how I 'm being assessed late fees. I certainly hope you 're not reporting me past due to the credit bureaus, because I have great credit and have made my payments on or before the due dates. Did n't you guys get in trouble last year for overcharging interest on student loans? Can you try to get this right? 

Please refund my late fees and correct any delinquencies your records may show, because I was not late. '' I am turning to the CFPB only after exhausting every method that Discover Student Loans offers of contacting them.
Product: Debt collection

Receivable Performance Management LLC has called me repeatedly every day for the 6 months 2x may be 3 times a day and threatened to serve me with documentation stating I owe this debt. They  stated they would come to my place of employment after I have stated do not come to my place of employment, after I have stated this debt is no longer valid the original company is not persuing this debt. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unfortunately, Im a victim of identity theft. I provided the Credit Bureaus an FTC Affidavit giving notice to remove these accounts and also requested a fraud alert be added to my credit report. The credit bureaus have refused to remove these fraudulent accounts. I have no knowledge of these accounts and requested the Credit bureaus provide me with information regarding their decision. They are violating my consumer rights by refusing to provide me with the requested proof they used to make their erroneous decision. I have no knowledge of the following accounts which should be removed from my consumer credit report : XXXX XXXX acct # XXXX ; XXXX acct # XXXX ; XXXX ; XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX and XXXX XXXX XXXX acct XXXX XXXX. The credit bureaus are not actually doing their lawfully required due diligence to verify that these companies actually have lawful proof of these alleged debt accounts. After speaking to the credit bureaus, it appears that they are simply asking companies to verify if my information matches their records. This is not a true investigation. If someone has stolen my personal information and used it to open an account then its obvious that my information would match. The credit bureaus are causing me extreme emotional stress and hardship due their unlawful practices.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXXBalance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were to be removed after 2 years yet they are still reporting. Please remove the following inquiries immediately : XXXX XX/XX/2021, XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX 1. FCRA violations : Credit reporting agencies or furnishers can violate the FCRA by failing to correct inaccurate information on a consumer 's credit report, failing to respond to disputes within the required timeframe, or reporting outdated negative information. 

2. TILA violations : Lenders can violate TILA by failing to provide clear and conspicuous disclosures regarding loan terms, not providing proper notice of the right to cancel, or advertising credit products without disclosing necessary information. 

3. FDCPA violations : Debt collectors can violate the FDCPA by engaging in harassing behavior, providing false or misleading information, communicating with third parties about a debt, or continuing to contact a consumer who has requested in writing that they stop.
Product: Consumer Loan

I attempted to secure a loan using Rise Credit. After waiting several days for a response, I called and they informed me that they were not able to continue to process my application because there is a fraud alert on my credit report and I must contact to credit bureaus in order to update the phone number or have the alert removed. I informed them that the alert was removed several months ago and there is no phone number to update. They then told me that they are getting an alert when they attempt to view my credit file. I did a conference wall with a representative from Rise Credit and the credit reporting company they said they used, XXXX. During the conference call, the representative from XXXX stated that there is no fraud alert or consumer statement on my file, and this was heard by the representative from Rise Credit. They informed me that the application would have to expire and then I could resubmit an application. The application expired on XXXX XXXX, XXXX and I resubmitted an application on XXXX XXXX, XXXX. I called the following day, XXXX/XXXX/XXXX and the representative told me the exact same thing, that an alert was on my file and I would need to update the phone number so they can call to verify, or have the alert removed. I then spoke with a gentleman named XXXX, who works in their verification department. I did a conference call with him to the credit reporting agency again. During the call, he heard the representative say that there is no fraud alert or consumer statement on my file. They have not attempted to access my credit report, or they would know there is no alert. The last time they accessed my credit file was XXXX XXXX, XXXX, and at that time there was a fraud alert on file, but it has since been removed. 
There lack of proper handling of my application has caused undo XXXX and time.
Product: Debt collection

Date : X/XX/2017 called to the XXXX XXXX XXXX XXXX for a debt I owe but the lady from the XXXX XXXX XXXX was very rude to me I want to negotiate the amount in the past bill but very pushy and a bully to me, I told her that I live in a XXXX XXXX with my children who has XXXX but did n't care, she want the money from me which I do n't have in the moment I want to make settlement for XXXX which is 80 % of the amount of XXXX of the XXXX and also another settlement for XXXX for my husband 's XXXX XXXX bill as well but again very rude and unprofessional. 

I just to pay my debts off with respect not be harassed in the phone. 

please we need help to pay our debts fast as possible. 

thank you.
Product: Debt collection

I have XXXX debts on my credit report from Midland collection agency. They are reporting that I defaulted on these accounts in XXXX when I had n't had the XXXX accounts since XXXX at the latest. Coincidentally these items did n't appear on my credit report until late XXXX. I had better credit last year despite that I have only continued to pay my bills on time. A dispute with the credit bureau only said debt reported in accordance with fcra which I know to be false. How can I resolve this?
Product: Student loan

National Collegiate Trust has sold a student loan ( s ) in my name and has not notified me. Prior to being sold National Collegiate Trust would not work with me on a reasonable and affordable repayment plan and on 3 occasions, rejected my offer of payment due to the amount being too low. This organization is unethical and needs to be investigated.
Product: Prepaid card

I filed a claim in XXXX of XXXX in the amount of {$1000.00} it was denied XX/XX/XXXX reopened XX/XX/XXXX denied XX/XX/XXXX reopened XX/XX/XXXX & since then its still been pending its been over 3 years Ive been waiting on a resolution Ive called numerous times only to be given the runaround and told there is no time frame for a resolution which is absurd because how long does it take to investigate unauthorized charges theres no way it takes over 3 years I filed a complaint & an escalation XX/XX/XXXX & they still said as of today that there is no time limit on this claim or the escalation Im not sure what is going on but I need help with this matter
Product: Credit card

This complaint comes after numerous attempts, requesting that Continental Finance comes within compliance of Federal Law, of the Military Lending Act ( MLA ). On the Following accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Military Lending Act prohibit any lending to extend credit to a military member where the interest including fees exceeds 36 % The MLA requires the terms and disclosure of the MLA to be in written, and orally. 

I have notified Continental Finance on three different occasions, Of these violations pertaining to my REFLEX and Surge Credit Card, that the MLA caps interest to 36 % including fees and interest.

I have informed Continental Finance that The MLA provides for various enforcement mechanisms. ( XXXX ), a creditor who knowingly violates the MLA can be charged criminally with a misdemeanor. 10 U.S.C. 987 ( f ) ( 1 ). ( 2 ), The MLA, as amended in 2013, allows covered members to sue anyone who violates the MLA for actual damages not less than {$500.00} for each violation, punitive damages, attorneys fees, and costs.10 U.S.C . 987 ( f ) ( 5 ). Moreover, under the MLA, any credit agreement, promissory note, or other contract prohibited under this section is void from the inception of such contract. 10 U.S.C. 987 ( f ) ( 3 ). The MLA prohibits a creditors from extending consumer credit with a military annual percentage rate of interest greater than 36 %. 10 U.S.C. 987 ( b ) ; 32 C.F.R. 232.4 ( b ).

Continental Finance has ignored all reasonable requests to cease and desist violating the above Federal laws, I have asked them on countless occasions to come within the guidelines of the law and issue a refund for the illegal funds they have collected. Although the law directs the creditor to void the illegal contract. Continental Finance refuses to respond and has continued to pile on interest and various fees in violation of the MLA.

I have informed Continental Finance that their knowledge of the law and continuous violations constitute criminal actions.

I have informed Continental Finance that the law provides that I am entitled to sue for no less than {$500.00} per illegal transaction, but Continental Finance shows no concern or no remorse in the actions they continue to execute.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX
Product: Debt collection

I have been contacted several times by this law office about debt and requested several times that they send me the information. The guy on the phone stated that they had and someone signed for it and I repeatedly told him I had not received anything. They proceeded to list this account on my credit report and I have SCRA protection from canceling this lease so they are reporting a debt I am not liable for through National Credit Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX  and Equifax XXXX on XXXX XXXX 2020. As of today I have not received any response from XXXX, XXXX  or Equifax. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. All 3 credit bureaus have all failed to respond in a timely manner to my requests.
Product: Credit reporting

I have been calling the Corporate office to speak with Sr Account Rep 's to resolve this account for the past two weeks. I previously emailed a goodwill deletion request and was told that the bank can only make changes to reporting if the bank has made an error. Upon finding errors in Capital One Bank 's reporting, I then disputed regarding the same account to have it updated on my bureau. Today I called Capital One Corporate and spoke with a Sr Account Rep. and I was told that no information can be provided as to why this account was recently re-reported to XXXX as of XX/XX/XXXX after being removed from XXXX. 
This information has been recently disputed and removed from my XXXX Credit Report, but is now being reported as of XX/XX/XXXX on my XXXX Credit Report with different reporting dates and information than previously reported by capital one. The differences are reflected in my credit reports from XX/XX/XXXX-XX/XX/XXXX. 

I would like Capital One to remove this inaccurate information and stop reporting it to credit agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX Accounts, I disputed with the XXXX, XXXX XXXX and XXXX and they never fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX i noticed Barclay Bank Deleware, XXXX XXXX & XXXX  posted a negative closed account I did not consent to. They have committed fraud and several violations of the FCRA. It has been over a month now and this false account is still on my report despite my efforts. Barclay Bank Deleware, XXXX XXXX XXXX XXXX  has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, Barclay Bank Deleware, XXXX XXXX XXXX XXXX  has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information Barclay Bank Deleware, XXXX XXXX XXXX XXXX in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave Barclay Bank Deleware, XXXX XXXX XXXX XXXX  permission to furnish this information. Fact, I never gave consent for Portfolio recovery to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, Barclay Bank Deleware, XXXX XXXX XXXX XXXX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Debt collection

I am a widow who co signed on my grandsons school loan I am XXXX years old have minimal funds and these people call me all day from XXXX to XXXX on my cell XXXX XXXX and home XXXX XXXX - I have no way to contact my grandson - they call me with no respect to my health and threaten and try to intimidate me - I pay on every call that rings in on my cell -please make them stop ... .I 'm on the DNC list on both my numbers ... .the name of the firm is performance recovery .. 

Thank You XXXX XXXX XXXX XXXX XXXX Tx XXXX
Product: Credit reporting or other personal consumer reports

There are inappropriate and inaccurate information on my credit file. According to the law us code 1681 ( a ) ( b ) and us code 1681 ( e ). Its not right to have inaccuracies information on the file. It suppose to 100 % accurate and it is not please delete this account off my credit file. It show 1 30day late payment and XXXX for 60days and 10 late payment for 90days how is this possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights. 

1

5 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
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of informat
ion from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This call is a attempt to collect a debt which i do n't owe, I wrote 2 letters asking for contract bearing my signature, which they did not provide.claim demands monies for an alleged debt for which no proof of said debt, nor proof of ownership of said debt, has been verified and exhibited.According to the Fair Credit Reporting Act section 609 ( A ) ( 1 ) ( A ) the credit bureaus have to get physical verification of the original consumer contract for any and all accounts they post on a credit report. ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT )