23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX XXXX which falls under XXXX XXXX  according to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.Please delete all these fraudulent accounts none of the listed is associated with me. 
The account listed are not transactions done by myself.
Product: Student loan

This is in regards to a private student loan ( {$20000.00} ) from Navient. I applied for this loan in XX/XX/XXXX when I was in graduate school for which I had a co-signer. In XX/XX/XXXX, my co-signer filed for bankruptcy and, through the procedures, half of the balance at the time ( appx. {$14000.00} ) was automatically paid off. Since, Navient sent me emails with {$0.00} due and explained that a large payment constituted a payment ahead of the schedule and it was no longer due for a while. I had never ( and have still never ) experienced such a large payment situation and I did not understand what that meant. I figured when payments resume I can just make normal payments ( principal + interest as before ). Because this occurred shortly before the COVID pandemic, I tried to balance out the challenges that came with that and believed their recurrent emails that constantly showed {$0.00} due ( no interest payments required or suggested were every mentioned ). In XX/XX/XXXX, payments restarted and I called to inquire about paying additional every month towards my principal so I can expedite the loan payment. At this time, Navient refused to allow me to make any payments towards the principal until I first paid the interest accrued since XXXX ( appx. {$5000.00} which I am not in a position to pay off ). They provided the original loan documents which state that payments go first towards the interest and then principal. I understand that I signed those documents but I had no power over the payment ahead being made in XXXX and not XXXX time since XXXX did Navient attempt to contact me and explain how this was going to work beyond emailing me that I HAVE NOTHING DUE. I find this to be a very predatory practice as is their refusal to allow me to make partial payments towards my loan principal at this time IN ADDITION to the interest payments they are requiring. My account is current and I reached out to their XXXXXXXX XXXX XXXXXXXX XXXX which only invoked the same documentation and closed the file. Because the interest will continue to grow, I have no way of catching up any time soon in this manner because the balance will continue to grow as the interest keeps adding to the constantly growing amount without being able to pay anything towards the principal. I have also requested them to cancel out my interest since XXXX due to their failure to communicate with me and explain about the implications but they refused that. I have never had a lender not allow me to make additional payments towards the principal and I find this, as stated, highly predatory, especially since it is a student loan not a for-profit business.
Product: Mortgage

On XX/XX/2018, I completed a settlement with Wells Fargo for the balance on Mortgage # XXXX. As part of that settlement, it was agreed that the taxes due on XX/XX/18 for {$1400.00} would be paid once Wells Fargo received the funds and closed out the case. The funds have been received and the lien was released on XX/XX/2018. 

Wells Fargo has not paid the taxes. The City of XXXX XXXX has sent me a tax sale notice for XX/XX/2018. 

Despite multiple attempts to communicate with multiple people, including the Office of the President, Wells Fargo is not returning emails and phone calls.
Product: Mortgage

My husband bought a land lot in XXXX using a Bank of America home equity line of credit for {$82000.00} - in his name only - against our home, which is in both of our names, as a 2nd mortgage. For the next 10 years, he paid only interest payments. He died in XXXX of XXXX. The very next month after his death, the payments on the HELOC only went from {$340.00} / mo. to {$780.00} / mo. I tried to talk to BOA about refinancing the loan, but they would not because it was in his name only. I have submitted to BOA his death certificate and legal letters testamentary. These had no effect. I tried to go through XXXX, but Bank of America would not agree to be the secondary loan, because my name is not on the HELOC. But, I AM required to make the monthly payments on time. Since my name is on the original home mortgage ( with XXXX ), I have to pay. Also, they still take automatic deductions for a savings account that was in his name only, but will not let me access it. XXXX Mortgage worked for months trying to get BOA to agree to be the secondary loan, but I only spoke on the phone about this matter to my loan officers. There are no papers to attach regarding this. I have attached all relative papers I have.
Product: Student loan

Without notice, explanation, or legal authority, XXXX XXXX has revoked my ability to suspend direct debit payments. Despite the fact that I pay by bill in full each month before the direct debit withdraw date, XXXX intends to withdraw an additional full payment from my savings account. In other words, I pay ~ {$480.00} to fulfill my monthly obligation before the XX/XX/XXXX of each month. On the XX/XX/XXXX, XXXX intends to withdraw another {$480.00} payment to my great detriment. I should have the ability to suspend this withdraw. I possessed that ability for the previous six months. Upon information and belief, XXXX revoked the suspension ability in retaliation for my whistleblowing activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accounts XXXX XXXX, which in fact is not my account, i asked for original contract with my signature which they can not provide because they sold the debt, so XXXX no longer owns it, and it is closed with the company they sold it to. I contacted that company and they told me the account is closed and they are not reporting what so ever. I have also disputed for validation, never got that, I disputed it for being in charge off every month which is grounds for deletion itself, but instead they reported charge off once and still sent no validation. Multiple violations in accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 US code 1681e ( b ) and these accounts are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to pay Opploans and they are unresponsive to emails. They have reported to XXXX, XXXX, XXXX  that my account is charged off. They have also reported the account multiple times on my reports.
Product: Credit card or prepaid card

This is a complaint in regards to TRIP ID - XXXX I booked this trip using points ( see attached ), and its supposed to pay for the full fare. 

Shortly after I booked the trip, I went to the airline 's website, to buy seats and bags. 

For some odd reason, the airline did not receive the payment from CNB and proceeded to charge me XXXX  dollars which is the TOTAL charge for FLIGHT FARE + BAGS + SEATS ( see attached ). 

This means that the points I used did not go through, but CNB did not refund me the points. I have tried to reason with the XXXX and CNB, no one is taking responsibility. I can clearly see that XXXX  charged me the full fare + add ons on my credit card. unless CNB can produce documentation on they have made payments to XXXX, I would like my points back.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX repotting incorrect information
Product: Credit reporting or other personal consumer reports

My old data reflects an old Number that I no longer use. I now have a new number which I need to be trimerged into data. 
My new number is XXXX. The old number I no longer use is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a credit freeze with Equifax in XX/XX/XXXX when I set up an account with them. It was successful, however now in XX/XX/XXXX when I'm trying to temporarily lift the credit freeze they wouldn't able to process it saying they need more information from me and the only way to dispute that is to fax or mail in my VERY sensitive information including a copy of my social security card. They still weren't able to figure out what's wrong with my account and refuse to let me manage my security freeze -- -that they let me place 3 months ago with no problems. I have no issue lifting the freeze with any other credit agencies but I'm helpless right now because I am unable to manage my own credit report status and unable to do anything that involves a credit check. 

I've wasted numerous hours talking to them and all they said was they don't know what the problem is and will only commit to sending me a mail to explain the problem -- -I am moving soon and probably wouldn't even get that mail. I'm back to calling and calling and they don't seem to want to help solve the issue at all. This has been ruining my life and has been giving me anxiety over the fear of losing my identity. I don't understand why Equifax is the only credit agency giving me problems and refusing to provide adequate care. Their whole free security freeze service is a joke and the company disrespects my time and effort. It is horrifying in XXXX a company like this does not offer a secure online portal to submit sensitive information and I'm truly hurt and disappointed.
Product: Credit card

PLEASE DELETE FALSE AND DEROGATORY INFORMATION FROM MY CONSUMER CREDIT FILE NOW. RE : credit card account # XXXX and Account # XXXX opened XX/XX/XXXX and XX/XX/XXXX. NOTICE TO OPT-OUT UNDER THE FAIR CREDIT REPORTING ACT. Per the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am looking into buying a new property.. I need the credit freeze removed from my credit file ASAP. I have attached my updated information and my current address Please lift my freeze for 30 days.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXXXXXX and the National Credit Systems was sent an email that had a debt verification attachment. In that document, XXXX XXXX and National Credit Systems were both asked to verify the debt of {$10000.00}. More than 30 days past ever since XXXX XXXXXXXX and the National Credit Systems received that letter. To this very day, no proof of the debt or validation attempts have been received by the National Credit Systems or XXXX XXXXXXXX. 

On XXXX XXXX, my attorney filed a pro to vacate order to dismiss the eviction filed by XXXX  XXXX. 

On XX/XX/XXXX, XXXX XXXXXXXX attorney agreed that the eviction should be dismissed on the basis that I did properly notify XXXX XXXX  of leaving the property and I did find someone to sublease the property. Since someone subleased and resided in the unit, the reported debt of {$10000.00} is inaccurate. 

On XX/XX/XXXX, a local judge of XXXX XXXX approved to dismiss of this eviction. The debt is showing for the full amount on my credit history, which is inaccurate. 

If the National Credit Systems can not legally validate the debt because another person resided in the property and was paying for the rent. If National Credit is unable to validate the debt, then they should rightfully delete the debt or correct it on all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed the updated report in XXXX XXXX for 3 credit bureaus. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there inaccurate items on my credit report which are misleading to me. I believe the Bureaus have failed to authenticate these items. The items are listed below that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2005 XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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: Debt collection

XXXX XXXX is using collection at law inc. A.p.c./ XXXX XXXX XXXX XXXX bar # XXXX ) to sue me and has been non negotiable for the last XXXX years. I have XXXX in debt that I was unable to pay during covid, as I faced over an entire year of pandemic unemployment and for a half a year previously due to work related XXXX XXXX injury, and 2 forced home relocations during pandemic and riots in XXXX XXXX . I attempted to negotiate hundreds of times over these 2 years since account closed, mostly with no answer, or weeks in between answers, answering machines, zero returned calls, constant denied extensions and offers. They offered to settle in 2019 for 12500, or XXXX per month, which I did not have at that time. Hundreds of calls and offers to them later, they then said I could settle for 18k which I was going to pay lump sum after receiving my worker comp settlement, but had to pay doctor, medication, and moving costs to move again unexpectedly during covid and was then again unable to pay that 18k lump sum. They then said my payment plan would be set at XXXX month, with no ability to negotiate anymore, which I just can not afford. I feel like this had been years of abuse and neglect, as I wanted to pay them but in a rational livable way. I asked to settle again for their previous offer of 12500 or XXXX per month and was denied by the bank directly and by the lawyer they use. Now I am served and have to face court in XXXX, for a debt ive been trying to pay, while suffering from this work related XXXX XXXX, having severe XXXX XXXXwice, 2 relocations in XXXX years during pandemic and riots, unemployed for a year, no family support or significant other. I have no money for a lawyer and the stress of this lawsuit along with the fear of poverty and continued strain on my health is extremely damaging. The lack of compassion and neglect during covid that this bank and lawyer have shown is inexcusable and this cas should be thrown out completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXXXXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act Capital One Auto Finance had violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit card

I got the my synchrony card to cover the additional almost XXXX for a deal procedure that id already paid XXXX cash for this was to fix the doctor had messed up. I'm so frustrated to begin with and this company made an already frustrating ordeal XXXX times worse. I end up ended this credit line to cover rest of the amount and after about 4 months of paying on it noticing my bill was not getting smaller rather larger than what id even began with I called the company and told them to remove these so called " payment card security '' charges that I did NOT authorize. they told me they would remove from that point on ... and that was a LIE! I resume with my choctic life and have my account auto pay and I'm not on the account which so much going on in my life I trusted that they would honor their word. And to see that my account is now over that spending limit which I was XXXX under is now " over '' over the credit limit by and {$1800.00}. HOW ON EARTH do you think I'll agree to pay this fraudulent company back. NO WAY am I just giving money. How do you think more than XXXX interest is something anyone would agree to. the alert on my card going over the limit is how I noticed AND THEN I noticed the " payment card security '' fee WERE NEVER TAKEN OFF! The first thing I did was take off the {$120.00} a month auto payments you had coming. XXXXXXXX XXXX  = GREED AND FRAUD!
Product: Credit reporting or other personal consumer reports

Every dispute I file isnt being shown after receiving results completed in results file XXXX XXXX was disputed for reporting passed allotted time and shows false information of payment being received in 2017 and no payments have been made to them in nearly XXXX this repossesion should be removed from creidit report
Product: Money transfer, virtual currency, or money service

Its been so long but they were paying for prescriptions off of my card and cashapp never refunded me or got back with me
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 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXXXXXX XXXX - non specific XX/XX/year> Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$250.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$250.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've tried disputing a couple of fraudulent accounts on my credit report, and th e Bureau has taken some of it off but only the collection things. I 've sent letters to the collection   agencies and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include.  Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken  off my credit report bc it is not mine. Thank you I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened. Police said too much time passed. I did file though as requested by the credit bureaus. They still ignore us. I hope that this credit bureau gets fined or punished somehow.
Product: Debt collection

I got a bill for my son for his XXXX  stay. It originally was {$940.00}. I called to pay it in full and on XX/XX/21 I paid {$940.00} and I was told it would be paid in full and would owe no more money. I then get another statement saying I owed an additional {$1800.00}. I have the original statement showing the total due was {$940.00}. Then a new one showing I still owed {$1800.00}. Makes no sense. I had 3-4 statements of the total bein {$940.00} so why the sudden jump? The hospital refused to work on it with me, the supervisor said he would send it through insurance and would call me back and he never followed up unless I called. We got no where and they sent the additional {$1800.00} I should not owe to collections. I have the statements. They claim they dont see the original {$940.00} statement but I have it. This is illegal.