23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Payment plan was set-up online thru Receivables Performance Management on XX/XX/XXXX and the first payment of {$59.00} was made by XXXX CC.
XX/XX/XXXX- 4 phone calls, XXXX XXXX,XXXX XXXX, XXXX XXXX, XXXX XXXX ( not a typo, back to back phone calls ) XX/XX/XXXX- 4  phone calls, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX  XX/XX/XXXX - 3 phone calls, XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 2 phone calls,XXXX XXXX, XXXX XXXX XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 4 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 1 phone call,XXXX XXXX XX/XX/XXXX- 3 phone calls, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 2 phone calls,XXXX XXXX, XXXX XXXX XX/XX/XXXX- XXXX XXXX, XXXX XXXX- answered this call, had to verify my name and address, didnt tell me who he was, was then transferred to a gentleman who asked what he could help me with, I said I didnt know as they called me and I had no idea who he was or what company he was with, he said he would get me to a department that could help, I waited 5 minutes and got no answer then hung up.
XX/XX/XXXX- XXXX XXXX, answered call and advised her that payments had been set-up online and she verified that she saw that and that payments were for {$35.00} XX/XX/XXXX- XXXX XXXX, Answered call and advised that I already talked to someone the day before and that payments were being made and that they were not to contact me again. She said she was noting my file and verified that they did not have the right to contact me again, to which I replied " correct. '' XX/XX/XXXX- XXXX XXXX, XXXX XXXX- Answered call, and advised that this was the 3rd time I have told someone that the debt has been taken care of and they were not allowed to contact me anymore.
Product: Debt collection

TO DAY XX/XX/2018. I WANT TO TELL YOU THAT TO PAYDAY LOAN COLLECT FROM XXXX XXXX XXXX XXXX .THEY HAVE AN ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX KS XXXX .PHONE # XXXX. THEY HAD TO REPORT TO CREDIT REPORTING AGENCIES. I NEVER HAD TO PAYDAY LOAN BEFORE. AND THIS COLLECT WAS HAVING MORE WRONG AS SUCH AS NAME, SS #, ID, AND SO ON. I NEED YOU HELP ME TO CONTRACT THEM TO FIX MY TROUBLE THIS. THANKS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my understanding I had over XXXX  credit on my TransUnion report an the company supposed reimbursement due identity theft TransUnion deleted everything off my credit report refusing to provide all the company an phone number that was on my credit report so I can file civil action lawsuits against them I feel like that was wrong illegally activities that TransUnion did to me now can't provide evidence tamping with investigation now saying I can't get no copy file lawsuit on TransUnion credit report agency if I don't receive a copy everything was deleted all the company cause XXXX XXXX XXXX XXXX XXXX  was on there illegally
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Mortgage

TIme sensitive!

Auctioning off my home on XX/XX/XXXX in XXXX XXXX, SC I missed the foreclosure hearing. XX/XX/XXXX according to XXXX Clerk o crt. Since XX/XX/XXXX i was summons to answer complaint. Since the action started, my Mortgage co has denied the remodifications plans. On XX/XX/XXXX I sent my written RESPA requests to assist me in figuring out how to resolve my foreclosure. On XX/XX/XXXX i received their acknowledgement of the requests and would be sent to me assurances.

Later in XX/XX/XXXX, i began receiving info from a debt collector/attorney About how i may want to start getting out of the house. Some of there mail came certified, some came regular mail and some never made it to me. I didnt understand the aggressiveness of the debt collectors mail. Also their strange request.

With the threat of the impending foreclosure action starting back up I needed my " RESPA '' questions and audit to determine my disposition - plan of action if needed. I then learn of my missed court hearing and have been in SHOCK.. ive informed the clerk of courts office and the Plaintiff -Nationstar/mr cooper.

I was not afforded my rights to a hearing. I feel there was a deliberate plan by the DEBT COLLECTOR 'S to have this foreclosure hearing w/out the defendant present. NATIONSTAR/mr cooper choice of collectors of debt should be in question.

I NEED HELP FAST. XX/XX/XXXX HOUSE UP FOR AUCTION. PLEASE POSTPONE!

Please help me. All i need is a chance to get my respa requests answers reviewed and then if necessary, auctioning of my home. 
XXXX XXXX. XXXX XXXX XXXX XXXX PLEASE AND THANK YOU. Urgent
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 FOR 30 DAYS??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

On XX/XX/2023 on XXXX they showed an ad saying celebrity are giving away XXXX XXXX XXXX and XXXX XXXX and others and it said that you only had to pay for shipping which was XXXX, using my key-bank debit  card I put my card information in and paid for shipping and waited I did this on XXXX XXXX. After waiting a couple weeks nothing came in the mail. The ad said it would be XXXX to XXXX weeks. Went back on XXXX that's when I seen an ad saying this was fraudulent so I called my bank and filed a fraudulent claim.On XXXX XXXX, XXXX  key-bank put the {$9.00} back in my checking account after that this same company hit my account on XXXX XXXX for {$170.00} which I didn't not authorize or use my debit card for. Called Key-bank and spoke with some in the fraudulent department let them know what happen filed another claim. Key-bank refunded the money to my checking account the {$170.00} on XXXX XXXX. On XXXX XXXX KeyXXXXbank did a reverse provisional Credit disputes took {$170.00} out of my account for the same fraudulent disputes I had made and thought this was settled. On XXXX XXXX I called keyXXXXbank and spoke to someone in the fraud department and was told That " I XXXX XXXX '' called keyXXXX bank and gave authorization for this payment. I then said to that person why would I do that when I use my debit card for everything, That's what I use my debit card for and I don't have to call you all to authorize for me. You can see all the transaction I made on my debit card but you can't see {$170.00} that you key-bank on my card because I supposedly called and gave someone at the bank a verbal authorization so it's not showing that transaction. This is worrisome to me that anyone can call and say to a bank that you been banking with for XXXX or however long tell them you authorize something and not call you to verify if it's you. This is not acceptable. Thank you XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am AUTHORIZED on my sons XXXX XXXX Card. They are reporting late in error and I have called them to remove my name from the account and they refused to. They hung up on me once I advised them I was recording the call of them stating they refused to remove me.

By law I am not responsible for the account and I am only authorized, I demand they remove my name from this card and remove the whole tradeline from my credit.

I do not want it on my credit at all ...

Under the FCRA and the FDCPA they are in clear violation.
Product: Student loan

I risk being in default of my private student loan with Navient and they will not adjust the payment to relieve me of undue hardship. My current interest only private student loan repayment loan has expired and I can not pay the new monthly amount that Navient requests. I have no more discretionary income to pay them. I have reported to Navient that I will default if they do not adjust the payment terms. Navient 's solution was to adjust the interest rate which still leaves me with a monthly payment that exceeds my monthly descretionary income amount. On XXXX/XXXX/16 account manager at Navient, XXXX, reported to me that she did n't care if I default because it is my loan. On a previous call with XXXX, she told me the account manager would help me refinance the loan with another provider, but XXXX refused to assist me with that option and said it had nothing to do with their company. Hopefully, the CFPB can help me adjust the terms of the loan with a reduced rate that does not cause undue economic hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Protective Agency was contacted regarding old accounts on my credit report. To date, Equifax has only removed one.  That was XXXX XXXX yet refuses to remove the other accounts older than 7 years. If the accounts are closed and I no longer do business with the organization why is the accounts still being listed. As I stated before this institution uses redlining to block XXXX Americans from obtaining credit. In addition, they keep old accounts listed, use derogatory statements that they add as well to block people of my XXXX background from obtaining credit. 
We have several accounts from DEPT OF Education that was closed. Some accounts were consolidated. Unclear as to why Equifax does not understand this. I am requesting for all accounts over 7 years old to be removed. Equifax in an attempt not to remove the old accounts changed the dates so it can be listed longer. 
In addition, there is a six-month exclusion rule. If an account is scheduled to drop off in six months the exclusion rule applies. I am requesting the exclusion rule to be applied to XXXX XXXX. The account was opened in XXXX and is scheduled to be removed in XXXX, of XXXX.
Product: Credit card or prepaid card

I have contacted Capital One in reference to my buypower credit card account ending in XXXX. They stated there is a charge on my report from XX/XX/2018 from XXXX XXXX. I advised the rep, a supervisor, and a Manager that the charge is incorrect. I also advised that card has not been used over a year and that XXXX XXXX is not my electric company. Because of this erroneous and fraudulent charge on this account, I advised this needs to be updated immediately because it is showing 60 days past due. The manager stated they will credit my account, but will refuse to send information over to the credit bureau confirming that this account is not pass due and it should of never reported pass due because the charge is incorrect.
Product: Credit card or prepaid card

In XX/XX/2018 I logged in to my XXXX 's account to pay my credit card and it was not accessible. I called XXXX 's credit department to find out what the issue was and was given this number ( XXXX ) to call. I was told when I called that my account has been closed. I had been struggling to make payments due to a job loss which lead to a pay cut. I had communicated this to XXXX 's credit card department via phone calls and was making minimum payments inconsistently. I disputed the closure of my account on the grounds that I was not informed of it in anyway or form, and also on the grounds that my financial situation is better that will enable me to make big payments. The Citi central recovery department whose agent I spoke to at the above number asked me to submit a letter for the reopening of the account which I did fax on XX/XX/2018. I called the next day and spoke to an agent who acknowledged the receipt of the letter and told me they were working on it to make a decision. I just called today to check on the status of the request and was told by agent # XXXX that a decision was made on XX/XX/2018 not to reopen the account. Again they didn't have the courtesy to inform me of the decision they made which is adversely going to affect my credit just as they did with the closure of the account. I feel very disrespected and taken for granted.
Product: Credit reporting or other personal consumer reports

I WANT TO DISPUTE ABOUT XXXX DIFFERENT ACCOUNT AND XXXX INQUIRIES THAT AFFECTING MY ACCOUNT AND CREDIT REPORT AS A XXXX XXXX XXXX XXXX CAR LATE PAYMENT CAUSE I WAS IN XXXXXXXX XXXX XXXX XXXX  XXXX ; I AM DIVORCED TO MY EX WIFE SHE THE OWNER XXXX XXXX ; XXXX WIFE ACCOUNT NOT MINE. 


I WOULD LIKE YOU TO REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Report and noticed that I had one late payment on account that I was never late for and was on autopay for 5 yrs. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for any payments for any of my accounts including ( XXXX XXXX XXXX ) Please investigate and provide a proof with statements. If proof can not be provided I demand this late payment to be updated on time as it should be as I was never late ( XXXX yrs autopay ) Thank you
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or get rid of the account from my file. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$36000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I was charged fees, overdraft fees and miscellaneous fee with Wells Fargo. I called to negotiate and they said no and closed my account.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXX XXXX XXXX, EXPERIAN ". This charge may lead to a lawsuit. 


Citizen Complaint Center Antitrust Division XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX DC XXXX https : //www.justice.govXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX handles Perkins Loans for XXXX University. I have not been a student since XX/XX/XXXX years. I only had sub and unsub direct loans but there is a perkins loan is not mine. Additionally, I received a letter stating that all my institutional loans were forgiven. I reached out to XXXX, Experian and the Department of ED to get the fraudulent entry removed from my account. When I spoke to XXXX they sent me Disclosure paperwork and a Master promissory note that wasn't signed by me and they all had different dates. The dates were also different that what was in NSLD database. I reached out to Experian and gave them all the information regarding and, I see that this loan was reported on my credit report XXXX of this year.After several calls between myself, experian, XXXX, XXXX, and the department, as of today, XX/XX/XXXX, this has still not been removed from my credit report. According to Experian, when I dispute this, they correct information instead of just accepting the dispute. And finally, this loan could not have been mime because i filed for bankruptcy in XXXX and awarded full discharge!! If this was mine, it would have been included ( perkins loans can be included ). This loan is fraudulent and I'm out of options
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus refuse to remove a student loan ( Acct. # XXXX ) that was paid over 3 years ago which the provider promised to remove from my report upon payment. The U.S. Department of Education, XXXX, and XXXX  says is nowhere to be found. XXXX refuses to allow you past the automated operator. XXXX refuses to take my info or evidence, and Transunion wants me to pay {$30.00} which I am not gon na do. I can no longer dispute this account because it has already been disputed.