23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Last summer two men knocked on our door representing XXXX XXXX XXXX saying they were doing free roof inspections. We let them go on our roof and they came down and said it was a total loss. They asked me to sign a form that would allow them to contact our insurance co. After they left my husband and I had a bad feeling about this co. and decided to go with someone else. We got our roof done and never thought about it again. Fast forward six months later, I get a phone call from Second Chance Collections saying I owe {$1500.00} for 10 % of the job by XXXX XXXX, I informed them that i'm not paying a dime since they did not do our roof. From XXXX/2018 to today they have harassed me at home, they harass me at my work, they even went on my work website and got the owners personal number and called her and harassed her, they call my work and threaten the receptionists, I have asked them to stop and they refuse. I have called several different attorneys but they all say there is nothing they can do unless they actually serve me. I have never received anything in writing from them and they threaten to serve me but in seven  months nothing ever happens except for the harassing phone calls. What they are doing is illegal, but they don't seem to care, don't I have any rights here, this can not go on anymore and I just don't know what to do! Please help me!!
Product: Student loan

The reason for this complaint is that i believe that the amount allocated to the principal vs. the interest on this XXXX college loan is incorrect, and that i was unable to obtain a comprehensive and reasonable response from the eight calls made to FedLoan. 
As support for my daughter to attend college ( XXXX XXXX XXXX University ) i obtained XXXX Direct Loans PLUS from XXXX to XXXX totaling {$54000.00}, these were Standard loans at a fixed 7.9 % interest. The loans were transferred to FedLoans in XXXX XXXX. I made all due payments, was never late, in the amount of {$34000.00} until XXXX XXXX, and still owed {$51000.00}. I finally took a loan with XXXX in XXXX XXXX and paid FedLoan in full ( {$51000.00} ). 
I placed 8 calls to FedLoan since XXXX XXXX disputing the balance and requesting a full audit. Instead I only received partial history. Nonetheless from the little information received, it showed very irregular and practically inexistant allocations ( only XXXX small amounts allocated in 24 months in XXXX report ) made to the principal, which seems to indicate that the accounting is incorrect. How can i make payments of nearly {$35000.00} in 8 years showing less than {$3000.00} being allocated to the principal? None of the original loan documents stated such allocation. 
I believe that their accounting is inaccurate and that more should have been allocated to the principal. Therefore I wish to place a formal complaint to request a full audit, in order to verify and validate that the FedLoan accounting is in compliance with the original loan terms, and/or in compliance with federal regulations. If, as i suspect, the allocation made to the principal was insufficient, i request that i be reimbursed accordingly.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I submitted a dispute on XXXX with my lender State of NJ XXXX XXXX 3 late payments in XX/XX/XXXX. 
The lender emailed me back on XXXX XXXX approving to remove the late payments for {$150.00} and would notify crediting agencies on my behalf. 
The crediting agency, Experian, has not updated my credit report and score. 
I reached out to Experian via phone call XXXX XXXX XXXX XXXX ) and they asked me to upload the email proof to experian.com/upload, which I did on XX/XX/XXXX. 
They said they would contact the lender. I received an update from Experian that the late payment would stay on my report after they spoke to the lender, XXXX. 
I called XXXX and spoke to XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ). She stated no one from Experian contacted XXXX. 
I called Experian once more on XX/XX/XXXX and they said they did not receive the uploaded file. I uploaded it again on the same day and received the confirmation it was uploaded and my dispute is open. I received another update that the late payment will stay on my record on XX/XX/XXXX. I am not sure if anyone at Experian contacted XXXX. May you please look into this? 


Best, XXXX
Product: Student loan

Sallie May ( the student loan dealer ) solded it's business to navient - 2003 my sister took out a loan with sallie may - when they sold there business some how all of her info transferred to me and shes receiving all of my information.. Not only that but when it comes to my bills and payments they send them to her! They claim I gave them her email address but thats all lies - theres no proof of that - they completely violated my personal information and breached the contract by giving out my information and violating my confidentiality rights!
Product: Payday loan, title loan, or personal loan

Had my vehicle repaired at a friend 's place of business. In the past, the owner had allowed me to make payments if the bill was large. This time, she said she was unable to, due to the larger amount of the bill ( {$1100.00} ). She stated she knew of a company that she had previous dealings with that may be able to help, and gave me their website address. I applied and was accepted. Feeling I had no choice, since I need my vehicle and can not afford to purchase another, I accepted all terms and conditions. The entire transaction was accomplished online. Upon further thought and investigation, I realized the loan would cost me about twice the amount of the bill over the 1 year term of the transaction ( 12 monthly payments of {$190.00} ). Nowhere in the transaction terms was an interest rate mentioned ; rather, the transaction is referred to as a " rental ''.
Product: Debt collection

I lost my income XXXX to XXXX disability check I been serious budget problems struggling, stressed and depressed my body getting worst that I have long term illness and I got covid second time XXXX and XXXX so Texan credit corp never give up keep call me 17 time I want these people leave me alone before get more worse fainting
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, XXXX has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that XXXX provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX Date Opened : XX/XX/2017 Balance : $ XXXX XXXX Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax to dispute two inaccurate accounts on my report in which they have failed to remove although Ive provided them with proper documentation that these companies both where reporting inaccurate information. I also have noticed 3 of my postive credit card accounts that are currently open and have been open for for over 3 months are not showing with equifax. I would like those accounts to show on my report and I have attached the other consumer reporting agencies reporting those accounts open activr with no lates ( See attachment for my XXXX XXXX XXXX Cc & TWO XXXX CC for XXXX ) The inaccurate accounts are wuth XXXX XXXX XXXX who reported the last payment date with EQUIFAX as XX/XX/XXXX which as you can see with the attachment they reported to XXXX  it was XX/XX/XXXX addionally they reported to equifax XX/XX/XXXX days late and as you can see with attachment that was also incorrectly reported as with XXXX  and XXXX I have absolutely NO LATE PAYMENTS reported. ( SEE ATTACHMENT ) XXXX  confirmed this account along with XXXX XXXX was reporting inaccurate information and deleted BOTH accounts. I would like equifax to do the same with both accounts.
Product: Credit card or prepaid card

I just had a very unfortunate and distressing incident with my XXXX XXXX XXXX Master Card,  operated by Bank of America. I never receive my XX/XX/2018 bill in the mail and consequently did not pay for that month. XX/XX/XXXX I just saw a late fee of {$25.00} and interest of {$14.00}. on my my XX/XX/XXXX bill which alarmed me to call Bank of America and point out a mail delivery problem. 

I always pay on time and the full amount of the bill. I never leave an unpaid balance. Accordingly, I have an excellent credit record. When a missed payment occurred before, with other cards, i would always call and speak to a rep and explain what happened. They would see my history and drop the charges and make sure this incident did not show up on my credit history as courtesy. Not so this time. 

Apparently Bank of America now has 360 degree AI phone operators who : do not understand English ; do not allow transfer to a human operator unless one makes false statements or payment promises that are not necessary ; are  incredibly rude and hang up on customers multiple times ; are incapable of making subtle distinctions that enable customers to resolve problems ; and ; essentially act as robot gatekeepers to pen customers away from any communication with this corporation. 

The Customer Service phone number listed on my XXXX bill is XXXX. One other number I found online was XXXX.I found one other Bank of America phone number to call. All phone numbers use the exact the same operator and script algo with the same off-target questions and responses filtering out my customer contact with a human operator. These automated systems can not deal with sophisticated problems, probably by design. Why would a bank not want customer contact to resolve a bill, unless it's just to make them give up and pay up? I even called a B of A branch in XXXX ... all employees busy ( understaffed? ) with no call back possible. 

At the bottom of the statement is an " Important Message '' declaring that since they have not received payment I may not use my account until it is paid. I checked my account activity online and found my current total balance and am placing a check for that amount, minus late fee and interest assessed ( because I am unable to dispute it with Bank of America ), i
n the mail tomorrow XX/XX/XXXX. 

My complaint here is the inaccessibility to Bank of America with customers. How can services be provided if the provider is dictating terms and filtering out the possibility of speaking to a Bank of America employee to resolve a problem? We hear everyday how wonderful AI is for business. But what about the other way around? Eliminating human labor to save the corporation money is not justification for incompetent business practices like the AI wall I experienced here today. This one-way business activity against consumers by financial service providers should be illegal.
Product: Mortgage

We applied for a refinance of our mortgage loan under Harp guidelines with Quicken. They are not our original mortgage lender. We were contacted via email and phone calls at least ten times daily asking for more documentation. We asked repeatedly for a complete list of everything they might possibly need from us so that we could provide it all at once and stop all the interruptions to our work days. We were not only denied that list but told that Quicken did not even have one. We were asked to provide proof of employment for my husband. We provided Quicken with two months of bank statements that clearly show a weekly direct deposit paycheck for him and my husband 's employer also emailed a proof of employment document to Quicken. They refused to accept it as proof of employment. We legally complied with all their requests. As we can not control the format of the proof of employment documentation our employers provide, we had to cancel our HARP refinance of our mortgage. Quicken has unreasonable demands for the loan application process.
Product: Credit reporting or other personal consumer reports

I have filed an FTC report due to identity theft and fraudulent information. I noticed on my credit report that there are 2 hard inquiries from XXXX XXXX on XX/XX/2024, name, address, and employer that I do not recognize. The accounts are completely fraudulent and have never belonged to me. The accounts are XXXX XXXX XXXX XXXX that is listed twice, XXXX XXXX XXXX ( The ONLY name I have is XXXX XXXX ), XXXX XXXX XXXX XXXX Ms XXXX ( The ONLY address I have is XXXX XXXX XXXX XXXX, Ms. XXXX ), I DO NOT HAVE ANY EMPLOYER. I contacted XXXX XXXX XXXX XXXX to get an understanding of where the inquiries came from, and the company stated that they did not find anything in their database.
Product: Credit reporting, credit repair services, or other personal consumer reports

They claims to not have the information to verify my identity. I have sent copies of my birth certificate, drivers license, social security card and a copy of a bill that shows my current address. I have sent this information on several occasions. I have spoken with someone at equifax to verify my identity. I ask for copies of the original documents that were filled out when the account was opened. They respond with, we can't verify your identity. At the same time, they send me letters telling me that they can settle the account for a reduced amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX sent letters to XXXX, Equifax XXXX XXXX disputing 6 Accounts they state were in collection but had actually been charged off. 
XXXX XXXX XXXX - {$1200.00} XXXX XXXX  XXXX - {$5000.00} XXXX XXXX XXXXXXXX - {$2600.00} XXXXXXXX XXXX  - {$5800.00} XXXX XXXX - {$6800.00} XXXX XXXX {$10000.00} As of XX/XX/XXXX they are still showing past due payment past the charge off dates. 

XX/XX/XXXX I am sending another letter to all 3 bureau 's asking them to delete the discrepancies as this is falsely manipulating the statute of limitations which is a FCRA Violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 

Block these fraudulent items that are reported in my file : XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; GA XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Diversify Consultants Incorporated started to call in the beginning of XXXX XXXX to collect a debt from a cancelled XXXX account. I did not try to dodge them and I was giving them everything I could to bring the amount down. I could not afford it at the time so I gave what I could when I could. That was not enough because they reported my account to the credit bureau which placed a derogatory mark on my credit profile. During this time the amount began to change. I began with owing {$440.00} and then when they tried to call again they said I owed a little over {$500.00} and then again the amount change to around {$250.00}. Confused, they told me that I owed {$440.00} and I could settle for an affordable amount. I paid a payment of {$40.00} on XXXX XXXX, XXXX, and settled the rest once I was employed again for {$200.00} on XXXX XXXX, XXXX. I asked them for proof of the settlement and payment, they then put me through loop holes and told me it could take up to a week to receive a email. I never received said email, so I call DCI and they told me it was sent and they would resend it. My email shows no emails whatsoever received from DCI. I was needing this information so that the mark on my credit could display the correct status and my profile score could increase. They have yet to report it or give me proof the the settlement and payment. All representatives I speak with try to quickly get me off the phone or place me on hold for very long periods of time. I have to receive any information or see any change in the status on my credit. The money was taken from my account but I have no proof of anything.
Product: Credit reporting or other personal consumer reports

XXXX and Trans Union are not deleting my bankruptcy XXXX XXXX its been over 10 years. XXXX already deleted my bankruptcy XXXX XXXX, and I expect XXXX and Trans Union to do the same. After 10 years, this is supposed to be off the persons credit and I will sue you guys. If you dont delete this bankruptcy XXXXXXXX XXXX this is your intent to sue notice.
Product: Credit card or prepaid card

after checking my credit report I discovered credit card accounts had been opened using my name and social security number, his address and phone number not mine.XXXX  card XXXX balance, XXXX XXXX XXXX balance, XXXX XXXX XXXX balance, XXXX XXXX XXXX balance and XXXX XXXX which has been turned over to a debit collector. All opened in XXXXwithout my knowledge or permission
Product: Checking or savings account

I was seriously fraudulent on XX/XX/XXXX. I contacted the bank many times but their service was terrible. I don't understand how these people did it. They looked up my company and personal information, forged and successfully exchanged a check of XXXX dollars that was not signed by me. I was very helpless and didn't know how to protect myself. I called the police and got some legal documents to prove and protect my legal rights. As a small business owner, I have always chosen and trusted Bank of America. I am their long-term user. They should guarantee my user safety and fund safety. Bank of America should choose to trust us to protect our partnership and provide protection for future business.
Product: Credit card or prepaid card

I have a BJs comenity credit card. It has been unusable since XX/XX/22. The card payment is up to date and there is available credit on the card. There is no way to contact Comenity because they continue to say their offices are temporarily closed. This is supposedly due to a scheduled update. The company hasnt been accessible and have given no explanation other than the update has taken more time than expected. I would like someone with authority to check into this as Comenity has no regard for their loyal customers.
Product: Credit card or prepaid card

I have been a quality Discover Card customer for over a year. I have a XXXX balance and a {$9000.00} line of credit. I was asked for my tax returns and or XXXX months of my checking account statements ( rather intrusive if they are questioning that I am who I say I am ). 

I provided all that was requested to include XXXX months of bank statements which was also notarized. I was subsequently told the notary did not put their address on the form and they were not accepting it. XXXX XXXX XXXX XXXX and there is NO requirement for a Notary to put there address on any form -- their notary number is sufficient to verify that this is a legitimate Notary. 

Discover then ran a hard pull of my credit ( making me lose points ) and then denied it. Closing my account at the request of the creditor will make me lose more points. 

A quick review of Consumer Affairs websites will show CFPB this is happening hundreds of times a day. 

I am most willing to assist in any suit the federl government seeks to bring on behave of this class of consumers. 

XXXX XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Experian are reporting an account XXXX XXXX XXXX for {$680.00}. The information posted is inaccurate and have responded by invalidating my request based on non-specifics. By law, that is not my responsibility. They have failed to properly investigate multiple times. I have no agreement with XXXX and they do not have permission to have my information. XXXX and Experian in addition do not have permission to share my information with 3rd parties like XXXX that is inaccurate. XXXX and Experian are in violation of the FCRA sections 1681e, 1681i and 1681s-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I applied for the COVID-19 SBA relief funds and was denied because of my credit score being under 640. After calling XXXX XXXX they explained to me there was an auto loan account that is behind as well as some collection accounts. These accounts do not belong to me and I have never lived at the address these accounts are associated with. I have called the companies to report the issue and I have also filed a report with XXXX XXXX Police Department. Please remove these accounts from my credit report quickly so I can apply for the disaster  loan.
Product: Checking or savings account

Someone opened a fraudulent checking account with Bank of America using my information. I feel like this is all Bank of America 's fault they don't have the security systems to block scammers from messing with people 's livelihoods. Called BOA and the agent said he closed the account but I still don't feel good about it.
Product: Credit reporting or other personal consumer reports

Professional Collections Services Inc, a debt collector for XXXX XXXX, is reporting a balance of {$5400.00} on my credit report at which is incorrect. The original creditor XXXX XXXX  dismissed the court case that I owed them any money on XX/XX/year>. I have attached the court order proving that this claim was dismissed and I do not owe this company any money. Please review the attached court order.
Product: Credit reporting

XXXX XXXX,2016, i open a credit account with ( comenity-blair.I purchased ( {$65.00} worth of merchandise, which i paid off by installment payments, that were made by sending money orders.They have been paid off, but they are still calling and writing for more payments, They sent incorrect information to a credit bureau.They have gone from the ( {$65.00}, which i paid off, to a new balance, of ( XXXX.I have not made any additional purchases.