23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am submitting my complaint formally to resolve a situation that has been mortifying my emotional and financial stability for years, affecting my credit with incorrect information and preventing me from growing financially. Despite trying to solve it through the Credit Bureaus Dispute on multiple occasions, I have not been able to achieve it. The company XXXX XXXX reported in my credit report allegedly Late Payments from XXXX XXXX to XXXX XXXX ( see image XXXX ). These alleged Late Payments appearing on this closed XXXX XXXX account belong to a loan that was transferred to Navient in XXXX. 

The late payments that XXXX XXXX reported on my Credit Report for the last time on XXXX XXXX, XXXX, ARE INCORRECT and should not appear on my credit. I have never had late payments since by the time they accuse me of not having paid I was attending school. I contacted the company XXXX XXXX and they told me that no information of mine appears in any of their systems, however in the disputes that I submitted through the Credit Bureau their response has been that they will not make any changes. I do not understand as if they do not have information of mine in any of their systems, they continue to deny me the elimination of incorrect information in my report. 

Attached you can find official evidence extracted from my XXXX  Credit Report. Note in the image called " XXXX '' that XXXX XXXX reports late loan payments on the dates in which Navient was already positively reporting the same payments as it was deferred for attending the school. Additional see the document entitled " XXXX '' and " '' XXXX '' of the XXXX XXXX XXXX XXXX, University in which I completed my studies. The document is an official certification that I was attending school in the months in which XXXX XXXX reports to my credit the supposed Late Payments.
Product: Debt collection

They did not send a written validation notice ... .they contacted and left message with a family member ... no mailing address was given ( theirs ) ... no collection license # given ... the account id number they gave me:XXXX ... {$310.00} (?? ) owed ... threatened to send someone to my home ... no email given to me ... names : XXXX XXXX, XXXX XXXX ( xt # XXXX ), XXXX XXXX ... XXXX.
Product: Debt collection

XXXX XXXX XXXX marked my XXXX credit score with negative derogatory mark. I called them multiple times and the automated system directed me to their email. I sent a written request and they have failed to provide proof that I ever owned an account with the supposed entity that is owed. They only sent me a reference number which I looked up on XXXX XXXX website- the address noted is incorrect and the account noted from KLARNA CREDIT is also incorrect. I never owned an account with KLARNA CREDIT and never received documentation that I owed them. I've requested documentation per attached emails to XXXX XXXX XXXX without success. 

I demand that XXXX XXXX XXXX investigates these false reports and provides all pertinent documentation including : 1 ) Proof that the debt is mine and that XXXX XXXX XXXX has the right to collect it. 
2 ) The last statement or invoice provided to me by the creditor to which the debt is currently owed.

3 ) The charge-off date.

4 ) The account number associated with the debt.

5 ) The amount of current debt and itemized list of any payments made, added fees/interest/or other charges.

6 ) Confirm whether or not the statute of limitation on the debt has expired.

7 ) Written documentation of when and how I was notified of the debt and by who- I did not receive any letters or emails notifying me that I owed money to anyone. 

XXXX XXXX XXXX also needs to remove all negative derogatory markings on my credit scores from all 3 credit bureaus [ XXXX, XXXX, XXXX ].
Product: Credit reporting, credit repair services, or other personal consumer reports

- I was alerted by XXXX XXXX that a debt collection for $XXXX was added to my credit score. I initially did not recognize this debt, but I contacted the collection agency and paid the full amount. XXXX XXXX XXXX the credit agency provided me with "Proof of Full Payment", confirmed that they have contacted the Credit Reporting Agencies, and sent me an email with a letter confirming full payment. This was on XX/XX/XXXXSince that time, I have spent countless hours on the phone, sending fax information, and entering disputes with Equifax. I have sent Equifax all the necessary documentation, the collection agency has provided Equifax with proof, I have spoken with close to 10 representatives from Equifax at this point, and yet THEY CAN NOT CONFIRM THAT I HAVE PAID. So this is still impacting my credit score. This experience is nothing short of gross negligence and incompetence by Equifax. Equifax is making it close to impossible to confirm that I have paid the $XX/XX/XXXXand this is impacting my credit report, taking up countless hours of my time, and impacting my overall mental health and quality of life at this point. After all my effort I am no closer to having this resolved. If you could intervene to make sure I am not being taken advantage of that would be great. I also want to file a formal complaint or even take legal action against Equifax for this. Please advise.
Product: Student loan

In XXXX, I was laid off from employment. I tried to get my payments deferred for a short period of time. In order to do so, I was required to pay {$150.00} for a 6 month deferral. Once this was up, payments restarted. Intrest was variable and between XXXX and XXXX I asked about lowering the amount of the loan. I went over all of my finances and they told me they couldn't lower them, but also wanted to know how I expected to pay them with XXXX dollars left after my other bills. I told them I would be able to. After several months they sent me to their collections department. They then wanted {$18000.00} to settle. In XXXX they sent me to a separate collections agency who then tried to get me to put {$14000.00} on a credit card to pay off the loan. I refused to do so. Thursday, XX/XX/XXXX yet another creditor called me wanting the same, for me to place the loan settlement amount in full onto a credit card. 

I couldn't negotiate payment with them in any way, So they sent me to collections and quickly to a creditor though they still claim to own the loan, and now want me to charge that amount in debt to a credit card with around 23 % interest, which I can not and will not do.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 US code 1681E ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 US code 1681i ( 5 ) treatment of an accurate or unverifiable information ( A ) in general if, after any re-investigation under a paragraph ( XXXX ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency XXXX - ( I ) promptly delete that item of information from the fall of the consumer, or modify the item of information as appropriate, based on the results of the investigation, and ( I ) promptly notify the furniture of the information that the information has been modified or deleted from the file of the consumer, please remove the following items from my credit report immediately Account Name - Net Credit Account Name - XXXX XXXX XXXX Account Name - XXXX XXXX
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report 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 blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX XXXX opened in XX/XX/2012 in amount XXXX shown as charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Product: Mortgage

have a mortgage at Ocwen, XXXX XXXX requested escrow analysis as taxes had decreased they sent XXXX, an overage check and new escrow payment was lowered, went to make mortgage payment today and my payment has increased by {$52.00} with no notification. my taxes are only {$1600.00} a year and they want to escrow {$200.00} a year for my taxes. was on phone with them for one hour. asked them why they never notified me of the change, said that somebody cancelled the escrow analysis XXXX. when I asked why they did not know. I was under the impression I was to be given 60 days notice prior to change in my mortgage payment and I was not. this all happened XXXX/XXXX/XXXX. my escrow balance is XXXX, my taxes are XXXX, by the time the collect XXXX monthly, they will have collected over XXXX, way more than needed. so again I had to request an escrow analysis today XXXX/XXXX/XXXX so they can see their error. I am complaining that they raised my mortgage payment without notification. also my loan had been in a chapter XXXX, that was discharged 2 years ago, several times I have asked them to correct their system, but nothing happens. when I asked today, they spoke to some body and told me that they knew it was discharged but they have never taken that status off my records. this hurts my credit. when I asked again when they were going to correct it, they did not know
Product: Credit reporting or other personal consumer reports

I filed disputes with XXXX, Transunion, and XXXX and they continue to either send stall letters or don't do an actual investigation and the inaccurate information remains and continues to impact my credit negatively. The credit bureaus refuse to pay me {$1000.00} per violation which equals the minimum of {$10000.00} which should be enforced as determined by the disputes I have filed and the companies refuse to correct.
Product: Credit card or prepaid card

In XXXX of XXXX, I noticed charges on my card that I had not authorized. I called Ollo Card Services to make them aware and request assistance. I, initially, spoke with the disputes department. They told me that I needed to speak with fraud department. I did and was told that there would be an investigation. They removed the fees from my card. I thought that everything had been resolved. 

The next month, the charges reappeared on my statement. I called Ollo again and was told that they were new charges. I requested and received a new card because we figured the card had been compromised. The charges were removed again. 
This happened again the next month with the new card. I called Ollo again telling them that I believed that someone in the company had to be involved because there is no way that someone would have access to my new card. I requested and was given another new card. The charges were removed. 

When I received the final card, I immediately locked it. It has remained locked ever since. 

XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) stating that they ( Ollo ) had decided to deny my claim and added {$620.00} back to my account. It said that I had 10 days to respond to the letter. I called Ollo again questioning why it was denied. I was told that they investigated and found that I must have done an online survey or agreed to pay for shipping on a product that resulted in the company, that I agreed to this with, selling my information. I stated that I hadnt done either of those things and asked for proof of that transaction. She said that it was done online and there was no proof. The agent stated that this is not fraud and that I needed to speak with the disputes department. I argued that that would be the very definition of fraud. She did not budge but stated that she would transfer me to the disputes department and stay on the line to explain my situation to the agent. 

She transferred me and hung up as soon as the agent answered. I spoke with agent. He told me that the charges were too old to be disputed. 
Basically, I talked to the disputes department and was told that I needed to speak with the fraud department. I spoke with the fraud department. It took them almost a year to tell me that I needed to speak with the disputes department. At that point, it is too late for the disputes department to act on it. 

I have told them that I am trying to purchase a home and that this is destroying my credit because they keep adding the fees to the card just before reporting it to the credit bureaus. 

Please help me get this resolved. I do not believe that I should have to eat these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pu

rchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Product: Debt collection

Garnishment sent to my employer. Different name and info on acct. believe also wrong social. Attempting to take money from my job even know this is not me.
Product: Credit card or prepaid card

I signed up for a Sears credit card when I found a Patio set I wanted to purchase and had begun to check out. At check out, information was provided that stated if I signed up for CC I would obtain 30 % and I could order using the brand new CC. I singed up for the CC ; went back to the shopping cart but was unable to fulfill the order b/c no cc number was provided. I called the Searscustomer service line ; i was told I needed to go to a store. I decided to wait for the card. The card arrived ten days later. I went to the website to order the patio set, the 30 % was not offered again ; upon further review, I realized no terms or conditions were provided with the card. All that was provided was a XXXX dollar off coupon ; the paper that the card was attached to ( no information related to APR ) and a citi document that is titled : FACTS : What does Citibank do with your personal information.
The claim that Sears made was misleading and CitiBank 's failure to provide the terms and conditions is concerning
particularly since the 30 % also have 0 % APR for 12 months ( it may have been a one or the other type of deal, I ca n't exactly recall ). Either way, I did not receive the 0 % APR.
Product: Debt collection

On XX/XX/2020 I mailed a certified notarized contract along with a US post office money order in the amount of {$220.00} to settle the account with Capital One Auto Finance. The contract clearly stated that cashing the above referenced check was an agreement to the terms in that contract and the terms written on the money order as well. Capital One Auto Finance received the check on XX/XX/2020 at XXXX XXXX  and cashed said check soon thereafter according to the US Post office website. By not complying within the 30 days of the original contract on XX/XX/2020, Capital One Auto Finance is in violation of the contract terms and I am hereby requesting that you hold them responsible for their actions and make them fulfill the contract as listed below : 1 ) Show the above mentioned account as paid in full 2 ) Remove any and all derogatory reporting from any and all credit bureaus including XXXX. XXXX, XXXX, and any others you're currently reporting to. 
3 ) All collection attempts & activities shall cease immediately 4 ) You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ) If you dishonor this contract or violate its terms. you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a cognitive contract and you agree to summary judgement against you. 
Thank you so very much for your help and your time with this matter. I know your time is very valuable.
Product: Debt collection

IC Systems has regularly and consistently called my phone number with the intent to harass or annoy. Calls are placed using an auto dialer and I when I answer the call is disconnected. Even though I have repeatedly announced that I am on the line and can hear agents typing, talking and laughing, the call is always disconnected by IC Systems. No matter how many times I have answered the call they continue to hang up. 

Additionally, when IC Systems first contacted me via mail about this bill, I responded by calling and letting them know this debt was disputed with XXXX Hospital and was under a Quality of Care review. The hospitals administration has admitted that the care received was not up to standards, including potential exposure to XXXX and XXXX due to staff failing to properly follow equipment sterilization processes, repeated lost XXXX and failure to be seen by a physician ; ultimately resulting in my leaving the hospital without care. A review of my file with the hospital administration showed it was hours before the hospital and staff realized I had left without being seen or discharged. 

I am asking IC Systems to cease contacting me and return the debt to XXXX Hospital to be forgiven. I do not feel like I should pay for substandard services that potentially endangered my life. I am also requesting this item to be suppressed and deleted from my credit bureau report.
Product: Checking or savings account

On XX/XX/year> I went to pick up a curbside grocery order at XXXX totalling {$190.00}. After XXXX minutes of waiting for the order to be brought to my car I left. I called XXXX to make sure they didnt charge me since I didnt get the order. XXXX told me I would not be charged and provided me with case number XXXX. On XX/XX/year> I was charged and saw the transaction clear in my Chase Checking Account. I filed a claim with Chase on this day and received a credit for {$190.00}. On XX/XX/year> XXXX reversed the credit. I called Chase on XX/XX/year> to ask why and they said they reversed the credit because XXXX responded with a message that I can call XXXX to get a refund. I then called XXXX on this same day and was told that the credit should not have been reversed and that I need to call my bank. XXXX gave me another case number XXXX. XXXX also told me they spoke to Chase and gave Chase a case number XXXX and that I should have been refunded through my Bank. I am filing this complaint to ask for the funds to be put back into my account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

I received a letter from two companies, Unifund CCR LLC claiming that they are servicing an alleged debt for another colIection agency by the name of Distressed Asset Portfolio III , LLC. owe them money. This company claims to be servicing an account in my name and that they are the current owner of the account. It appears that these companies are selling accounts. I am in the process of filing a police report. I have heard of companies trying to report consumers to the Internal Revenue Service for unwarranted alleged debts. Please forward this matter to all regulatory agencies involved. 

I do not know nor do I have any relationship with either of these agencies. I have not given any of my personally identifiable information to either of these companies. Another company XXXX XXXX XXXX XXXX is the first company who said they sold the account to Unifund CCR LLC. I have filed an Affidavit of Identity Theft with the federal Trade Commission. I have not authorized any of these agencies to use my personal information. Please inform me if this is legal since I have no knowledge of who I owe ; how I owe, or if I owe anything at all. 

Thank you.
Product: Credit card

I don't use my American Express Platinum Card often, it's a card that had a slight uptick in spending during the holidays, during which the recommended payment amounts were immediately made on my American Express Platinum card. Outside of one purchase made because of AMEX 's Purchase Protection, the card gets mostly groceries and recurring charges on it. Recently, AMEX has taken my available credit and made it negative, with not allowing even a {$5.00} transaction to process, stating I am now ~ {$2400.00} over my limit of a previous limit of {$25000.00}. This isn't just a slap in the face, it verges on fraud and a potential escalation to the Attorney General of Virginia as American Express charged me the {$690.00} annual fee and is actively ensuring I can not use any benefits that the fee allows for as it blocks any potential transaction. 

This is additionally offensive as I have been making larger payments on the card on a bi-weekly basis to ensure it is in good standing but am being told that it's not good enough, even when I have previously had a {$29000.00} charge on the card and paid it off without issue, and my family consistently has $ XXXX charges that are consistently paid off of which I am an authorized user of and they choose to report to credit reporting agencies as debts that I am obligated to. AMEX has given me almost no time in between the notice of a high balance and what amounts to a closure of the card, as I am on the Federal payment cycle and thus payments occur a wek after the XXXX and the XXXX, even though I had made my payment for the month and made an additional payment of over {$500.00}. This again is all while fraudulently charging me the full amount of the annual fee and ensuring I can not benefit or use it.