23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

BCO Consulting reached out to me in XXXX claiming to be partnered with the Dept. of Education and would help me with student loan forgiveness for my entire fed loan balance of $ XXXX. At the time, I was dealing with the pandemic and stated I could not make any payments as they were requiring for payment installments of {$350.00} initially to enroll in their program. First red flag, they charged my account without me signing any payment authorization form. I was able to resolve this and got a refund. In XXXX XXXX, I started making the installments of {$240.00} for 4 months to enroll after explaining {$350.00} was too high. They explained that after enrolling, my payments would be $ XXXX for XXXX years and then the $ XXXX fed loan debt would be forgiven. After a year of making payments, my student fed loan balance is EXACTLY the same and they have done absolutely nothing. 

I emailed them the week of XX/XX/XXXX and requested to stop ALL payments in writing and for details on where these payments have been going since my balance is the same. They responded to my request to cancel future payments via email on XX/XX/XXXX and stated Id be disenrolled in the program. They STILL charged me for {$39.00} this month on XX/XX/XXXX after confirming they would not withdraw any funds from my account. I sent several follow up emails on my other concerns and requested a FULL refund from all the payments Ive given them, and they are not responding. I also tried calling and was unable to get a hold of someone. This is the biggest scam/fraud I have ever experienced. I wish I had done more research!
Product: Debt collection

I did not request the service that Mountain Land Collections is trying to collect a debt for. They sent me a letter on XX/XX/2021. My ex-wife is required to consult with me on medical issues ( attached ) but, in her XXXX XXXX, she doesn't believe she is supposed to despite orders that say so. Because she did not consult with me, nor would I have approved if she had, I am not responsible for this debt.
Product: Debt collection

Sallie Mae misrepresented themselves in a letter dated XX/XX/2021, stating loan payments were late and it would be reported XX/XX/2021. All past due amounts were paid on XX/XX/2021 BEFORE the due date. Credit bureaus were contacted for delinquency on XX/XX/XXXX and my credit score plummeted 70 points! There was no phone call or email prior to notification of credit bureaus being contacted. I am a co-signer for my emergency nurse daughter. Her payroll was effected by Covid-19 illnesses and she was not paid on time. Automated payments were late, while she is frontline keeping people alive. I contracted Covid-19, am XXXX, and many of my clients are 6 months late. We struggled to get them the late payments before XX/XX/2021 and were surprised to find out they had reported a month earlier. Sallie Mae was always late in posting payments, if at all, but have no problem robocalling everyday from XXXX to XXXX every hour, even when the account was up to date. My daughter had to call them several different times to ask them to stop harassing me with phone calls when there was no delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts that are listed on my credit report are fraudulent.  I have tried to correct this issue multiple times with no success with the credit bureau.  XXXX XXXX XXXX XXXX, $XXXX, opened on XX/XX/XXXX.  XXXX, $XXXX, opened on XX/XX/XXXX.  XXXX, $XXXX opened on XX/XX/XXXX.
Product: Debt collection

Dates to XX/XX/XXXX when we received message from XXXX, with XXXX XXXX XXXX, XXXX that we ow {$350.00} on XXXX XXXX account. I returned call explaining that account was cancelled & if this was final payment on XXXX I was happy to honor the committment. Claimed it was auto renew - I told them to produce an original contract where I agreed to auto renew. Several days later got bill from XXXX XXXX XXXX ( XXXX XXXX, AR ). 

XX/XX/XXXX - wrote certified, return receipt letter ( with certified, return receipt copy to XXXX XXXX ) - recounted phone conversation ; repeated offer to pay {$350.00}, BUT must have assurances that this terminates association. 

XX/XX/XXXX - wrote certified, return receipt letter to XXXX XXXX XXXX with Rauch-Milliken ( XXXX, LA ) in response to his form demand dated XX/XX/XXXX, recounting situation with XXXX  and XXXX XXXX XXXX, including offer. Stated, " Now that you wish to threaten legal action, you may no longer contact me directly for any reason whatsoever. All contacts with your firm must be through our attorney, XXXX XXXX... '' XX/XX/XXXX - wrote similar letter, certified, return receipt to XXXX XXXX in response to another form letter demand. 

XX/XX/XXXX - wrote similar letter to XXXX XXXX, Rauch-Milliken,  certified, return receipt. 

XX/XX/XXXX - wrote certified, return receipt letter to XXXX XXXX at Rauch-Milliken referring to my letter of XX/XX/XXXX. Said in this letter, " Consider this a cease and desist letter under the Fair Debt Collection Practices Act. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the South Carolina Attorney General 's Office. Civil and crimimal claims will be pursued. '' Since that time I have received calls on XX/XX/XXXX at XXXX. When not answered, they called right back, demanded that I speak to them and then hug up on me as I was telling them to stop. 

Received additional phone messages on XX/XX/XXXX and XX/XX/XXXX - advising us to retain attorney, etc.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 was the day my employer sent the money to my chime account I check my account and nothing is there so I calls chime witch is the mobile banking app I use and they telling me they cant help me cause my employer didnt send anything but I have proof from my employer that the money was sent to my account
Product: Student loan

I have been contacting the three major credit bureaus in order to fix errors on my credit reports. Navient has been stopping any forward progress by reporting late payments to them. However, this is bad practice as I've never had to make any payments yet. My Navient accounts have been deferred for the entire length of the loan. As of now they have refused to fix this mistake. In addition to that, they have been making small tweaks to the reports but avoiding fixing the error. This is a sign of wrongdoing as there shouldnt be a different change each month if the information was accurate. All 3 bureaus are reporting different information which is a clear CFPB violation.
Product: Credit reporting or other personal consumer reports

The estate that I'm the authorized representative is a victim of fraud, identity theft, birthright theft, and XXXX XXXX. Around XX/XX/year> I received a foreign bill of attainder from XXXX XXXX acting as CEO Nationstar Mortgage LLC. dba Mr. Cooper XXXX. I sent XXXX XXXX a dispute requesting the original wet-ink signature contract and all accounting bookkeeping records, what specie of payment. I never received any of the information, XXXX XXXX then contracted with XXXX XXXX XXXX XXXX XXXX to move forward with a non-judicial foreclosure and I'm now being harassed by XXXX XXXX dba XXXX XXXX. for the estate property.
Product: Credit reporting, credit repair services, or other personal consumer reports

These INQUIRIES below have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under XXXX5 USC 1692C

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 an account without my written instructions.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THEM IMMIDIATELY
Product: Debt collection

Our business insurance account was turned over to Rauch-Milliken International , Inc. on XX/XX/. We had been making payments to our insurance company during this time and these amounts were not credited on the amount this collection company had. I requested that the amount we owed be clarified by the collection agency and our insurance company. The collection company kept pressuring us to pay without finding out the true balance and used demeaning statements like, Why are you on auto repeat about this?, Quit stalling and do what is needed to fix the debt you put yourself into. 
I have emails with my requests and the above responses. I was able to verify the amount we owed with the insurance company and provided this information to the collection agency but they disregarded it. I sent a letter to the CEO of Rauch-Milliken International , XXXX XXXX by certified mail and have had no response. The agent who the collection agency used was XXXX XXXX. Never once was I demeaning or demanding in my correspondences but was met with such when she responded to my requests. This is highly unprofessional and unethical and should be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  is stating I have an open account for CapOne and I have not applied or inquired about them at all. I have been paying my loans on time and use my current credit card with chime, ( which has been working great ). I saw a huge fall on my score and went to identify any issues regarding my current account. Shows I have a new Capital One balance and I have no idea where it came from. I have locked my credit inquires and paying monthly for identify protection through XXXX. I am calling CapOne as soon as they open their customer service.
Product: Credit card or prepaid card

HELLO.My name is XXXX XXXX ... Due to pandamic covid 19.Bank of america defferal program from XX/XX/2020 till XX/XX/XXXXXXXX XXXX..I wasn't making payments because I have been told by Bank of America that I will be good till XX/XX/XXXXXXXX XXXX.They closed my account without notifying me In XXXX XXXX also send negative report to credit Bureau. that I wasn't MAKING WHICH IN NOT RIGHT.They can't make false information because I have all the proof that I was on the deferral payment plan authorized my Bank of America.I started making regular payments after XX/XX/XXXX which i have been told by them.My account is still closed and missed payments shows on my credit report.I 'm going to send you the payments i made and email sent by Bank of America about deferAL PROGRAMM.I would like my account to be open and take negative report from credit buereu.Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : - ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6100.00}
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXXAccount 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I submitted a travel insurance claim for a cruise vacation to XXXX which is the travel insurance provider for Chase Sapphire XXXX credit card. I provided all the documentation that they requested, I got on a call 2-3 times to discuss my claim and was promised speedy completion as soon as I upload document requested or provide information requested. 

I have provided every single bit of information and documentation I have. The travel insurance company is not completing processing of my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to get a new XXXX XXXX XXXX account due to fraud last month. The account is not closed, I just got a new account number and card with the same available credit line. Equifax reported the account as closed which caused my credit score to drop several points and for my total available credit, average age, and total number of accounts to incorrectly be reduced as well. I notified the credit card company as well as Equifax. The issue seemingly was resolved when the card reported under the new account number with the updated balance and my average credit age, available credit, total number of accounts went back up and I gained back a few points on my score. However, i'm seeing again today that Equifax is incorrectly reporting the account as closed, and the score dropped three points, and the total available credit, average age, and total number of accounts went down erroneously again. The account is not closed and I'm not going to be losing any points off my credit score because of some XXXX  trying to commit fraud and Equifax did the sme wrong thing again.
Product: Checking or savings account

2021 I had an account t with navy Federal and I believe I was overcharged. They are saying I owe {$3000.00} and its now at a collection agency. Im not able to log in to my account because I no longer have the debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accounts below with XXXX, XXXX  and Equifax in which they have not responded to my disputes in over 60 days. Per the FCRA these items must be deleted due to the creditors and credit bureaus neglecting to respond to my disputes. I am requesting XXXX, XXXX and Equifax to delete these inaccurate accounts per Section 609, 611 and 623 of the FCRA. 

XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX/XXXX : Account # XXXX Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I have written both Transunion and XXXX concerning XXXX bogus collection accounts and they still remain. Attached is the results of the XXXX  investigation into the accounts. 

Please Remove!
Product: Money transfer, virtual currency, or money service

Coinbase strongly recommended using a 2 factor authentication method to protect my funds.  One of the recommended " Authenticators '' was XXXX Authenticator. I configured the 2 factor authentication and everything worked fine until the phone on which I had XXXX Authenticator installed needed to be wiped due to a severe software problem. After the wipe, I could no longer use XXXX Authenticator. I followed Coinbase 's instructions do deactivate 2 factor authentication and these instructions failed. 

A ticket was opened in early XX/XX/XXXX and I still have no access to my account. Last I was able to look I had over {$6000.00} in various coins but I still have no access to my account. In the meantime the currencies have fluctuated wildly and I have been unable to liquidate.
Product: Credit card or prepaid card

I noticed a late fee and interest charge for XXXX 2021 on my Citi Double Cash account. I always pay my credit cards, so I did not understand what happened. I went back through my email, and I noticed what the issue was. When I click the link to pay in my statement email, it tells me I have no payment necessary. 

Steps to reproduce : 1. Open Citi Double XXXX XXXX email - subject : " Your statement is available online - make or schedule your payment now '' 2. Click " Pay Your Bill '' button 3. Citi website opens on Citi XXXX XXXX saying " Minimum payment due : {$0.00}, Last statement balance : {$0.00} '' I did some thinking and figured out what the problem was. I got a replacement Double Cash card in XXXX 2021. On the Citi website, it now shows two Citi XXXX XXXX cards. However, when I receive the statement email, the link to " pay your bill '' directly opens the old Double Cash card. There is no indication that there are multiple Double Cash cards. One would assume that the link in the email statement would open the correct corresponding Double Cash card. Note that I am a paperless account, so there is no paper statement. The only statement is the email, which contains a direct link to " pay your bill '' which shows {$0.00} due. 

I called Citi bank on XX/XX/2021 after noticing this issue and immediately paid the account and requested for a waiver of the late fee and interest. Citi representative denied the request. I explained the entire situation above, and the Citi rep agreed that the link in the statement email should open the correct payment page for the card. I stated then obviously there is a problem or bug here if it is taking me to a page saying payment due {$0.00}. The rep could not escalate further because her supervisor was off work already. 

I noticed a few minutes after my complaint that suddenly the old Citi Double Cash card was erased from my account. I believe the Citi rep tried to delete evidence by removing the old Double Cash card from my account. Good thing I already took screenshots and a screen recording to preserve evidence. Screenshots and screen recording are available on request.
Product: Mortgage

My mortgage company has charged me several charges for my home insurance. They kept saying I already had insurance available then afterwards tells me they didnt pay my insurance and I didnt have any home insurance. Then they kept messing up my escrow account going from positive to negative and Im unable to pay my home insurance and they continue to charge me and will not provide a refund or contact me. Ive contacted them several times already and was told they will fix it. Ive sent requests to be contacted and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I subscribe to several credit monitoring services. In XX/XX/XXXX I stopped getting any updates on my reports from Equifax. I called Equifax in XX/XX/XXXX to find out what the problem was but they could n't help ask me. In an attempt to troubleshoot the problem I attempted to sign up for Equifax credit monitoring service however I was unable to so I called to ask why and they did n't know. I spent a bit of time on the internet and came to believe that my inability to access my Equifax report was most likely due to my having too many soft inquiries on my credit report. OnXX/XX/XXXX I  called Equifax and told them what I suspected the problem was, they agreed with my assessment and said they would send the issue to the technical depart to have the excess soft inquiries removed. I was given a case number which is : XXXX. I was told the problem would be fixed in 7 to 10 days. After 10 days had passed and it was n't fixed I called to see what was going on and I was told it takes 7 to 10 business days to have problems fixed. I called again today ( it 's been over 10 business days now ) and was told it has n't been fixed and they ca n't tell me when it will be. I have spent about 2 1/2 hours on the phone with them over the past few weeks and I am very frustrated. I want to apply for credit and I am unable to because of this problem. I told them this and it does n't seem to matter to them.
Product: Credit reporting or other personal consumer reports

I noticed an account on my credit report reported by CONSUMER ADJUSTMENT. I did not authorize this entity to report any account under my name, nor do I have a contract with them that would provide them with a permissible purpose under the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681b ). 

I contacted the creditor to request proof of permissible purpose, including a written agreement or contract with my signature. They have failed to provide any documentation to validate this reporting. Reporting an account without authorization violates my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I sent money to a person for a product that I was scammed for and never received the item. I was sent an invalid/fake tracking number but CashApp declined my claim and my bank is saying that I used a P2P merchant service even though I claimed item not received
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been by far the worst to work with of all the credit bureaus. I had potential fraud on my account and was able to start a credit freeze with all three bureaus. About 3 months later, I requested the fraud alerts be removed and XXXX and XXXX each took about 5 minutes to complete that task but I have had to call Experian about 15-20 times and their automated system will not let you get to a person account representative. When I reach a business account representative, they advise they cant help. On one call about 2 months back I asked to escalate my issue to a personal account representative or supervisor and was told " no one was available and I would get a call back '' I requested to wait and they repeated " no one was available '' at that point I insisted I wait because I wasn't confident I would get a call back and the business representative hung up on me. I also never received a call back from that supervisor. 

I tried going through the automated system system and it says I do not have a hold on my account but multiple outside parties trying to pull my credit advise differently. I tried to go to the website and I get an error message directing me to call. When I call that number, its the same automated system where you can not get to a representative. Im just trying to unfreeze my credit!! please help.
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 studying 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 2 out of 3 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 : INQUIRY - XX/XX/2022, INQUIRY - XX/XX/2022, INQUIRY - XX/XX/2022, INQUIRY - XX/XX/2022, INQUIRY - XX/XX/2022, INQUIRY - XX/XX/2022, INQUIRY - XX/XX/2022, INQUIRY - XX/XX/2022