23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had two accounts enrolled in national debt relief for outstanding credit card balances through XXXX  XXXX. National debt relief negotiates for you and in my dashboard through them both XXXX  XXXX balances appeared. It is now years later and I am done with the program and I had just assumed the XXXX  XXXX balances were combined and resolved. Now the smaller balance is in collections and is late as of XX/XX/year>. The collections agency has never once called me or mailed me one notice regarding this outstanding debt. How am I to pay something I had absolutely no knowledge of, it wasnt even on my credit report till last month. The collection agency is LVNV their contact number is ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I went to get a personal loan from XXXX XXXX for a used vehicle they have hit my credit multiple times and mutiple dates. Here are the ones that I did not do a inquiry on XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency 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 crimes 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: Credit reporting or other personal consumer reports

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

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX, XXXX  XXXX. 

I looked at my credit report 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 information 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 supposed 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: Student loan

I spent an inordinate amount of time on hold with with Federal Student Aid Customer Care, getting signed up for the SAVE program, and was approved. My FedLoan balance should have went down by $ XXXX but my new servicer ( XXXX ) still shows the old total and nothing regarding the SAVE Program. I should not have to do additional legwork because these programs and new loan servicing companies cant get aligned. 

After 10+ years of payments they actually have barely made dent in the loan principal. Its almost comical if it wasnt such a dire situation. Im not even sure if my payments were accounted for properly, as all records on FedLoan are completely inaccessible. On top of this, I was recently laid off from my job. So my total income in 2023 was a {$37000.00} ( $ XXXX of which was state unemployment benefits as Im looking for new work ).

Something must be done, and quickly. There is no alignment between the Dept. of Education and Loan Servicing Companies, and the voting public is getting incorrect information when they are making good faith efforts to get into an IDR program or some form of relief from these insane education costs. 

Sincerely, XXXX XXXX
Product: Debt collection

Re : Dispute of Account Information Account Name : AMSHER COLLECTION SERVIC Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy of the information listed for the above-mentioned account in my credit file under Section 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ). According to this provision, credit reporting agencies are required to maintain accurate and complete information in consumer reports. 

The account listed by AMSHER COLLECTION SERVIC with account number XXXX shows a collection account with a reported balance of {$750.00}, which was last updated in XX/XX/XXXX. The information listed under the account is incomplete and inaccurate. I believe that there are discrepancies that need to be investigated and corrected. Specifically, I would like to dispute the following : 1. Date Opened : The account indicates a date opened of XX/XX/XXXX, which appears inconsistent with the timeline of the collection process. 
2. Account Status : This account is marked as a collection account, but I have no record of being contacted by the creditor regarding this balance. I request that the creditor provide proof of the debt or validate the collection account.

3. Payment History : The payment history indicates that the account has been marked as a collection account from XX/XX/XXXX through XX/XX/XXXX, but I have no record of any payment being applied or any formal agreement with the creditor. I request verification of the payment history and any records of communications made regarding this debt. 

Under Section 1681i of the FCRA, I request that the credit reporting agency investigate this matter and provide a resolution. I ask that the disputed information be verified or removed if it is found to be inaccurate. Please provide me with a written response to confirm the steps being taken to resolve this issue and the outcome of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

In the present expose as a client my dissatisfaction with a report from Banco Santander to my credit bureaus that affects my credit score which I am protecting, I have an excessively high interest, which has sometimes been difficult for me to maintain a payment to weather. I have spoken with the bank and they have told me that this is directly with the credit bureaus. The day we decided on a payment agreement, I was conducting intensive studies for my XXXX license from the state of Florida. I ask that the late payment report from my credit bureau be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the payments of student loan account XXXX on XX/XX/XXXX and XX/XX/XXXX, payment was given over the phone to Navient ( at the time Sallie Mae ) Customer Service representative. Payment was not made to correct account two months in a row, and we only realized that the payment was put into other accounts after the fact. Please know that at the time, I had more than 5 separate student loan accounts for different years of XXXX with Sallie Mae, all of which were similarly paid by phone but never " past due. '' We spoke to Sallie Mae and were assured they would rectify the alleged " late '' payments that were not actually late, but misplaced by Sallie Mae themselves. However, after several years and requests this has not been done. As such, my credit report continues to show this specific loan as being not paid for the months of XX/XX/XXXX ( " 90 days past due '' ) and XX/XX/XXXX ( " 120 days past due '' ). I have recently initiated a credit report dispute through Experian, which rectified another similar discrepancy for XX/XX/XXXX. For whatever reason, the discrepancies for XX/XX/XXXX and XX/XX/XXXX were not similarly rectified. I demand that Navient finally resolve this discrepancy and notify the three credit reporting bureaus that this is resolved, remove the delinquencies, and to update my credit reports. Thank you.
Product: Vehicle loan or lease

My car loan - account number XXXX- with Citizens Bank was set up for auto pay for an amount of {$390.00}. The last payment was due this month- XXXX, XXXX. It was usually taken out of my bank on the XXXX of the month. I checked my bank today and noticed that the payment was not taken out. The XXXX was a Sunday so I assumed that the payment would be taken out today. To make sure I called Citizen 's Bank to make sure it was coming out and the auto message said the payment was delinquent. I waited on hold to speak to an agent who told me that my account was not set up on autopay, even though all the payments were made via auto pay. He the told me autopay was disabled because the contract matured on XX/XX/XXXX, which was a Saturday and the payment couldn't be processed on the weekend. He said I had to authorize a payment today, which I did. He also said that the payment might take two days to process. I told him that today - XX/XX/XXXX was the last day of the month and I didn't want to receive a late payment reported on my credit report. My credit score is over XXXX and i set up all my payments via autopay to make sure my payments are made on time. He told me the payment wouldn't reflect late. I asked for a confirmation email saying that and he said the system couldn't do that. He gave me a confirmation # - XXXX
Product: Money transfer, virtual currency, or money service

I have an account with CashApp. My phone was stolen while traveling and was reported to them immediately when I realized it was gone. I also contacted my bank, changed email password, among other passwords, and reported my phone stolen to my phone carrier. CashApp support had me create a new username/account that day on XX/XX/22. Previous acct username is XXXX XXXX, current/new account username is XXXX XXXX. CashApp is making it impossible to recover my old account & funds! The only security verification 's they have asked for is the card # linked to my account, which has changed since I opened my account with them. The old card was replaced with a new card with a chip from my credit union. They gave me the option of using my bank account info as well, which I tried, but the account number was never added to my CashApp account to begin with so that did not work either.They will not and have not given me the option to verify my identity through a valid form of government issued identification, or any verification from my XXXX XXXX bank. The old card and new card is linked to the same bank account. The only solution & answer they keep giving me is that there is nothing further they can do and that no further actions can be taken. I have money in that account that is mine and I need access to it! This is fraudulent & unacceptable. I need help! This issue was reported to them on Thursday, XX/XX/XXXX. Again on Friday, XX/XX/XXXX, Monday XX/XX/XXXX, and today Tuesday XXXX XXXX I have attempted to resolve this multiple times on these days via their chat support, and a phone call with a representative today on Tuesday, XX/XX/XXXX. They are not providing any solution or direction and are sending me in circles. Back to square one every single time. I have around {$1000.00} in that account and it does not make any sense that they could just keep it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not consent, authorize, nor benefit from the inquiry reporting on my consumer report. I DEMAND IMMEDIATE DELETION AND REMOVAL OF THE INQUIRY FROM MY CONSUMER REPORT!!! 

INQUIRY XXXX XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/year> XXXX
Product: Debt collection

Fraudulent debt is not mine. 

Harassing and very intimidating phone calls Aggressive in tone of voice on phone calls Identify theft- I did not give my social security or personal information to this company. They illegally obtained it
Product: Mortgage

I have a mortgage and escrow account with Wells Fargo. In XX/XX/XXXX, I received a Real Estate Supplemental Tax Bill form The County XXXX, Virginia XXXX XXXX ). I called Wells Fargo to insure that the bill would be paid & gt ; I was told that there was no need to send the bill to them because it was early and that they would request the bill form XXXX XXXX County in XXXX. The payment was made after the due date and the County issued a {$150.00} fee for late payment. Wells Fargo took the fee from my account and labeled it ( MISC DISBURSE ). 

I noticed the ( MISC DISBURSE ) of {$150.00} and call to inquire about the missing funds. I was told that because Wells Fargo was responsible for the payments and were notified, I would be refunded. a few months passes and I called back to find out why I had n't been refunded and was told that the order was initiated to correct the problem but the funds had not been transferred. I was again told that the problem would be fixed. 

Today XX/XX/XXXX, I called and was told that the fault was with me and that they were correct to charge me for the late fee.
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 consumed rights to privacy and confidently under 15 U.S.C. 1681. 

XXXX XXXX ACCOUNT NUMBER # XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c Section ( 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 the crimes 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 a reasonable cause to believe that the information incorrect.

Please remove the following accounts mentioned of my reports immediately ASAP.
Product: Credit card or prepaid card

U.S. Bank 's Reliacard was chosen by the Commonwealth of Pennsylvania to handle the disbursement of unemployment  compensation. In early XXXX, U.S. Bank removed the " button '' from their website that permitted transfers to another financial institution. The only other way to access the funds in the account are to use the card as a credit card. Unfortunately, I have to pay rent and reimburse people for utilities, something I can not do with a credit card. I have made repeated attempts to contact U.S. Bank at a variety of telephone numbers. When you call, approximately half the times I called, an automated message told me that due to high call volume I would need to try again later and the call is disconnected. If I am able to make it into the hold queue, I wait on hold for 30-45 minutes and then someone picks up the call but does not speak. They wait about 2 minutes and then they hang  up, disconnecting the call. There is no way for me to access the thousands of dollars in the account and there is no way to contact them about the problem. I am personally aware of 4 other people who are experiencing the same issue as I am and numerous websites are reporting that this is not an isolated circumstance.
Product: Student loan

XXXX XX/XX/year> my loan balance was {$130000.00}. When I logged in on XX/XX/year> the balance was {$140000.00} with no transaction or details as to why the balance accrued so much money. I am on the XXXX deferment with 0 % interest set to accrue.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report I was shocked to learn I have been a victim of identity theft I found numerous accounts on my consumer report that wasn't open by me I'm in the process of buying a house for my family in these fraudulent accounts are hurting me. Please remove this from my consumer report as soon as possible.
Product: Student loan

Discovered that fraudulent student loans were taken out in my name due to identity theft. Filed identity theft report with FTC and notified all 3 credit-reporting agencies as well as XXXX. Got response from the credit reporting agencies, but XXXX will not acknowledge or provide requested information regarding the loans in question. Instead, they persist in sending demand letters and have requested that I apply for loan forgiveness without them acknowledging that the loans are fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications and attempts to have fraudulent items removed from my account. Despite making this attempts to resolve this matter, the fraudulent items remain unaddressed. My initial attempt to correct this issue was made on [ date of first attempt ], and since then, I have consistently provided all necessary documentation and information as requested. Here is a summary of my attempts : Despite these diligent efforts, the fraudulent items remain unresolved. This lack of resolution is causing significant distress and inconvenience, impacting my financial standing and peace of mind. I expect to receive a response within exact timeframe from the date of this letter. Should this matter remain unresolved, I will have no choice but to escalate my complaint to the appropriate regulatory bodies and consider legal action to protect my rights. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX : {$1700.00} XXXX XXXX  XXXX Balance : {$2500.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681Section 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 crimes 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.