23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several student loans with XXXX XXXX exceeding {$150000.00} balance overall. I have an income based repayment plan that doesnt even cover the accrued interest each month, so my balance increases. Each time my balance increases, my credit score plummets even though my payments are made on time and my account is in good standing. The parties in this issue are Transunion, XXXX, and XXXX  XXXX XXXX. I cant have my score continue to plummet for no reason other than increased student loan balance.
Product: Debt collection

I have advised Chase on a few occasions that I do not wish to receive any contact from XXXX, every time I speak to them I have a headache. For health reasons, I ca n't have any contact with XXXX. I do not have a good view of this company and I wish there was a thorough investigation of this company. There are numerous complaints against them online with the same complaints about them giving out inconsistent information. I have filed a complaint against them in Illinois due to them collectiong on student loans from XXXX XXXX XXXX ( XXXX does not have own these loans ), they have to proof that they actually own the rights to collect on this debt which they did not provide to them at anytime. My due date was changed from XXXX to the XXXX without me knowing that. The XXXX does not work for me and all of the other loans are due on the XXXX. Why is my due date being changed, I went through this issue before and Chase did correct that issue. I need my date changed to the XXXX.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On my equitably report shows a XXXX on my report and I am a authorized user. I never received a card dont know who the person is that added me. I tried calling XXXX and they no information with my name phone number or social security number. Told me to have the primary person call in I told them I cant do that as I dont know who it is. This has been on my report since XXXX XXXX XXXX. Ive tried disputing it but they will not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be an ongoing issue with obtaining my credit report through " XXXX '' where Its not allowing me to pull my own credit, this issue been going on for awhile and I even sent in the required to the pulling company and also tried on their actual website which it keeps telling I have no credit on file or any accounts thats listed which is a lie.
Product: Debt collection

I have been called daily, and usually more than once a day by Ford Credit asking to speak with someone whom I do not know. I do not  have any accounts with Ford or Ford Credit. I have talked to 5 different Ford representatives ( most recently on XX/XX/2020 ) who have all claimed to take my phone number off of their list however they continue to call. 

The phone numbers they typically call from are : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Mortgage

I am trying to obtain a home loan modification with Wells Fargo Home Mortgage. I have been assigned XXXX different modification specialist since XX/XX/XXXX. After almost one year of filling out forms and answering questions, I am no closer to the end. I have been told that as long as I am in the modification process, that I would not be foreclosed on. I then received a letter dated XX/XX/XXXX, stating that the loan has been referred to an attorney for foreclosure. For some of the questions asked, the answers are impossible to get. It should not take close to a year for a decision to be made. I believe that this is being drawn out on purpose so that I will fall farther behind in my payments, giving Wells Fargo Bank an excuse to foreclose. I am not asking for Wells Fargo to lose any money on this loan. They can add whatever is needed on the end of the loan to make up for lost revenue from the lower interest rate. I can accept a longer term fixed loan if needed. I just need a smaller payment so that I can coordinate with other debts and have enough money to maintain my home in good repair. After talking with the bankers at my local Wells Fargo Office, they agree that there is no reason for this to take so long.
Product: Debt collection

I received a collection of a debt notice by regular mail on XX/XX/XXXX from PMKP File # XXXX. I mail them a validation letter on XX/XX/XXXX ( see copy ). 
Kilma, Peters & Daly sent me their response to that on XX/XX/XXXX, which I received on XX/XX/XXXX, from my landlord. 
However, Kilma, Peters & Daly file a lawsuit in the District Court of Maryland for XXXX XXXX on XX/XX/XXXX before I had my 30 days to review and respond to their validation. 
The validation process specifically does not allow notification of third parties, especially credit reporting agencies before the validation process is complete. 
My landlord was served a summons and presented it to me on XX/XX/XXXX. This did not give me thirty days to review and respond to their validation claim. 
I also received a letter from another attorney, XXXX XXXX, notifying me that I had been sued by XXXX XXXX and offering his services. 
This collection process was abused on the above information. 
Thank you for being there for the consumer and your attention to this matter. 
Sincerly, XXXX XXXX
Product: Debt collection

Hunter Warfield, acting as a debt collector for XXXX  XXXX, is attempting to collect {$2100.00} and reported this debt to my credit in XX/XX/year>. I was a resident at XXXX XXXX XXXX XXXX and experienced harassment and discrimination, being singled out as the only person of color in the building by both a new tenant and the property manager. I raised complaints about this treatment, and I am attaching all communications with XXXX  XXXX to support my claims. 

This situation escalated to the point where HUD and XXXX XXXX XXXX became involved. The breaking point came when the property manager shared my personal rental information, including my Social Security number and bank details, with unauthorized parties. At that point, I requested to break my lease, as the management sided with the property manager instead of addressing my concerns. I was assured that I could terminate my lease without penalty, provided I moved out by the end of the month, which I did.

Despite this agreement, my {$700.00} deposit was never returned, but I considered the matter closed. However, the debt reported by Hunter Warfield not only negatively impacted my credit score but also affected my ability to secure employment due to my credit history. I am attaching all relevant emails, including those between myself and XXXX  XXXX, HUD, and the Seattle Office for Civil Rights ( SOCR ).
Product: Credit card

After over six years of timely payments, Citibank has my credit card in default status and has been billing me at an 29.95 % APR during this period.
Product: Credit card or prepaid card

Hi, I noticed today I have a credit card account on my credit report belonging to Elan Financial Services stating it was opened in 2014 on XX/XX/XXXX. At this date I was 14 years old and can say with confidence I did not sign up for this. My credit report notes payments have always been on time for this report and XXXX says the balance is just short of {$10000.00}. I have not known about this credit and have not used any of it, or payed any of these payments. I am trying to get to the bottom of what is a fraudulent line of credit in my name. Thank you for the help. 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 1681.1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an 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, credit repair services, or other personal consumer reports

I did not authorize these inquiries on my personal credit. 
Some duplicates are from car dealers that I did not give them permission to check my credit. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit card

On XX/XX/14 I received a credit card from Barclay 's Bank Deleware for a Wyndham Rewards credit card that I did not apply for and was sent using my maiden name. Upon calling the company they were incredibly unhelpful. They would not provide me the information needed to provide to the police department to start a police investigation and a paper trail for the incident. When I was finally able to get through to the investigations department they were not helpful and did not take my complaint seriously. After almost an hour on the phone and talking with multiple people I was finally able to get a case ID number although they continued to ask why I needed this information. None of the employees I spoke to seemed to take this issue seriously. 

Additionally, when calling Wyndham Rewards to get additional information from the customer service representative about how a rewards account was opened in my name without my consent, they were equally unhelpful. They also seemed confused as to why I would want to close my account even after explaining multiple times that this was a fraudulent account. While the account was opened using my email address, I asked why I had not received an email with information upon opening my account, the customer service representative had no answer and continued to tell me that I would not receive any further emails- which was not the issue. I have yet to receive an email confirming that my account has been closed. This call, which should have been quick, took upwards of 30 minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writting this due to non-compliance with the ( Equifax, XXXX, XXXX ). they have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

I sent a letter in the mail to this company Nationwide Credit Inc at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX on XX/XX/2023 and XX/XX/2023 because I saw a collection account on my credit report from that they own. I explained that the collection account from them showed an original creditor as XXXX XXXX XXXX XXXX  and that I didn't recognize it so please send me information so I could try to verify it. I never heard back from them and this collection account is still causing damage my credit. I have worked very hard on my credit and am very upset that this error is still being shown and the company responsible for it won't respond to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of a recent investigation, conducted by XXXX, on an accounts listed below, that is reporting on my credit report. This Account was opened without my knowledge or authorization. After being alerted of this fact, Last month, I requested an investigation because I felt this item was not being reported legally. Shortly after that, I reached out to XXXX, and a representative stated that XXXX 's investigation was complete, and the info/accounts was deemed verified. After presenting them with a up to date FTC report, and other verifying docs to my being a victim of Identity Theft, I was told to try and submit another dispute, presenting the same information. In accordance with the Fair Credit Reporting Act, the accounts listed below, have violated my rights. 15 U.S.C 1681 Section 602 A States that 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrectly reporting that this item from XXXX XXXX XXXX XXXX is still open on credit report ; Needs to be closed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several addresses on my credit report that I have never lived at I was a victim of fraud and I need to make sure no one is apply for loans in my name at some strange unknown addresses. Please remove the following addresses : XXXX XXXX CT XXXX, OH XXXX XXXX XXXX  XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I stopped by the XXXX XXXX XXXX, Advance America office XX/XX/year> to discuss lowering the interest rate of a {$1400.00} payday loan received XX/XX/year>, which is about 212 % - they wouldn't lower the interest rate, however, agreed to a month 's payment suspension for XXXX. That helped at the time so I could catch up with bills and buy groceries. The loan is XXXX XXXXXXXX, I receive social security and live check to check. Fortunately, my XXXX XXXX pays utilities quarterly, and I receive energy assistance ; however, I'm strapped for money every month and sometimes go three weeks without a dime. I always pay my rent ; I live in a age-qualified, limited income apartment. 

I've contacted CAP Services through XXXX XXXX for a grant or small {$2000.00} loan, and I was denied because of my credit score. I've gone from a XXXX to a XXXX in half a year. It was a real blow to me. 

I am hoping I will receive the XXXX XXXXXXXX XXXX, which could be at least {$1200.00}, so it is possible I could pay the loan off with that amount. 

I never in my life thought I'd be in this situation- I have always paid my bills and still continue to do so, even though it's hard to keep up with this loan taking a quarter of my check. 

I'm not asking for it to be wiped away, just lower the payment in half or the interest rate to a normal, reasonable amount- but over 200 % is outrageous. They've already received the amount of the loan in principle- it would have been paid if full this month. 

Thank you for your time, and I'm hoping something can be worked out.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/2023
Product: Checking or savings account

Chase bank has offer for sign up for XXXX a service and get XXXX $ cash back. XX/XX/2019, we signed up for the cash back offer and we also signed up for XXXX home security. Chase said they couldnt honor it because of how the payment was ran. So we ended up making another payment on XX/XX/2019 even though we were paid for XXXX into XX/XX/2019. 15 business days from then would be when I should expect money deposited into my checking account for the promotion. At this point, I have been calling for over two weeks and have still not been honored the promotional money. Two cases have been filed ( the second one prolonged things by 2-3 business days ), and despite what the Chase customer Service Representatives tell me, I still have not been called until this week. A lady from this mysterious Online Products Department called me during my work hours and I missed the two calls but i immediately called her back. I have left several repeat messages. yesterday I spoke with a manager in the customer service department who offered another case be filed and that I would get a call back today which is XX/XX/XXXX ... I declined because opening a case seems to prolong things. Chase Bank has still not honored the promotion and no one can tell me anything. According to Chase customer service representatives, the department that deals with online promotions doesnt take incoming calls.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Tunderstand that acording to fedeal Law 15 .5. code 16513 ( 2X41 ), a corsune report does aor 2926 information solely as to transactions or experiences between the consumer and the person making the payment 1 also understand that according to federal law 15 U.S. code 1666b ( a ), a crediter may not payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

paypal which is owned by XXXX  refuses to honor the policy and aggreement between XXXX and myself which which states that a seller 's payments for goods and services sold through the the XXXX  platform in which paypal collects the proceeds from the sell shall only be subject for a mandatory 21 day hold for 90 days. Once the seller has been an active seller for 90 days, the seller shall have immediate access to funds from sales made on the XXXX platform held in the paypal 's seller account.