23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2018 I was contacted by Coast Professional stating that my student loans had been turned over to them to collect the debt. After telling them that I could not afford the payments they wanted me to pay I was told that they could see about lowering it. After several attempts of complying with what they wanted/required, I was not successful at getting help. It was left at them attempting to find some other way to help and being told that they would contact me when they did. 9 months went by and I was not contacted once by any representative of their company. In XX/XX/2018 I recieved notice that my wages were going to be garnished. I immediately call their company to try to figure out something else since I already live paycheck to paycheck. I was told that they were not able to stop the garnishment, but that I could apply for a lower payment to be made each month in addition to the garnishment. After figuring out how much the additional payment would be, I agreed to continue with the process because I was informed that if I made 5 payments they would stop garnishing my checks. That was in late XX/XX/XXXX. Each time I call in and speak with a representative i am told a different story and that there are different things that are required. I have sent in everything that they have asked and am being told that some of the paperwork was denied because of how it was printed off, which was not in my control. Not only do I talk to different people each time and am told different things, but I have asked them to not call me during the day since I am working, but after being told that they would make note of it and not call during the day, I still receive calls. I have been told that they do not leave voicemails and that they are not able to email outside of the office when I have asked for them to send me something via email, which makes communication with them more difficult given my schedule. Part of the repayment plan is that they needed to know how much we spend in living expenses each month, and when I attempted to update them on the price of our rent being raised I was told that it didnt matter because I was already at the lowest payment. I understand that the payment may be at the lowest, however I would like for the information to be correct. I feel as though they company and representatives of that company do not know what they are doing as far as their policies and paperwork that is needed. I also feel that it is very wrong of them to garnish my wages without any notice or communication for 9 months. I am not denying that I owe the student loan debt, but I do not believe that it warrants this company garnishing my wages. It has put a huge financial hardship on my husband and I because we do not receive any government assistance and there are times when it comes down to paying a bill to sustain living in our home or buying groceries. We have already cut our expenses and not sure how else to lower our bills to afford the garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX Bank numerous times via telephone, certified mail and through the credit reporting agencies about correcting my credit report. XXXX is reporting that I have a 30 day late payment and I have explained to them that during the XXXX XXXX pandemic I was XXXX XXXX XXXX XXXX due to complications of XXXX for nearly 60 days and requested that they correct my report to reflect positive per the Heroes Act that protects me from my XXXX XXXX from being ruined since it was due to XXXX. I have attched the Heroes Act and the late payment keeps coming back on my credit report which is gravely affecting my score. I have reached out on XX/XX/22, XXXX, XX/XX/22 and numerous other occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I see unauthorized credit hits on my Experian report. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

For months, Comenity Bank has non stopped calling me. Comenity Bank has called 5 times on XXXX XXXX, 2021. I have told them by email I'm aware of my debt, and to not put me on the do not call list. Today, the XXXX of XXXX, Comenity Bank has called again despite me stating I dl not want to be called anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised my credit report contains information that does not pertain to me. I had sent a formal written request to all 3 major credit bureaus on or about XXXX XXXX 2020. I was seeking the deletion or modification of erroneous and inaccurate information contained in my credit file and reported by the credit bureaus as per the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. I had requested a response in a timely manner, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and no later than 15 days thereafter, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ). Unfortunately it has been months and I have not received a formal written response back from XXXX, XXXX  or Equifax about my disputes. However, I know that all three bureaus received my request because I tracked my letters using certified mail.
Product: Checking or savings account

I received written notice that I needed to provide additional financial information related to my checking account with due date of XXXX  XXXX. This information was previously provided to the bank. Without notice my account was frozen on or about XX/XX/2018. Several bills on autopay including : mortgage and utilities were not paid. In addition, checks written in XXXX were not paid with the checks stamped " froz ''. I received notice in email my FICO score has been lowered. I have had late fees and returned check fees applied. I have written on two occasions to the person I was informed was responsible and he has not responded nor addressed my concerns : XXXX XXXX at Citibank
Product: Vehicle loan or lease

as of XX/XX/XXXX capital one auto finance gave me all the information that i did not need ..i am looking for the full account number XXXX but there are 4 numbers missing that no one wants to give me that is why when i tried to settle with them through XXXX XXXX it did not go through and they told me to skip it .. all i want is all the numbers that they are keeping for themselves. to be able to settle with them ..that is why we are at a stalemate i am willing to give them something rather than nothing but it appears that they dont want to do that .if that is the case the account will be deleted by XX/XX/XXXX and they will get nothing.. i am trying to show good will toward them ..but i guess not .. if they continue not to work with me then we will see what my lawyer has to say
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, After checking my credit report there are a number of listed inquires that I have not applied for listed on my account. Please assist XXXX XXXX XXXX Credit Bureau XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Since I have continued issues with Transunion with correcting information on my credit report. I have had to get legal console on my behalf to force Transinion to correct items I disputed, when they refused to comply. 

Transunion have put my profile into a special status since they were served with legal letters to fix the credit disputes I requested. This special " status '' does not allow me to get my credit report online and further delays me getting any credit reports from Transunion, since the customer service line to phone in is terrible and the wait times are over 42 minutes, I have tried different browsers and they have stated its my Browser issue, when it is not. This special " status '' is to punish consumers whom have served legal letters to Transunion when they refuse to fix credit disputes,
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to XXXX, TransUnion and XXXX dated XX/XX/2018 informing that there is negative report by XXXX XXXX XXXX  Court and Department of Treasury Internal Revenue Service Federal Tax Lien against my social security number. I did get a response but neither three credit bureaus addressed this dispute. I also submitted documents supporting my request. I will be submitting the documents to you as well. In my attachments you have only one letter to XXXX. However, TransUnion and XXXX also received the same letter, dated the same as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Education is, has been, and continues to violate my consumer rights. The Department of Education is not complying with the FCRA. This company continues to ignore the Gramm-Leach-Bliley Act. In addition The Department of Education has stolen my identity.
Product: Checking or savings account

I bank with 5/3rd bank. There has been at least 5 times where someone charges unauthorized transactions with my debit card number somehow. It's always from somewhere far away from XXXX, XXXX  ( Which is where I live ) everytime it's happened they assure me that it won't happen again but sure enough it does. Even when they send me a new card. Everytume I get a new card the number somehow gets stolen from someone and is being used. Everytime I dispute it I have to wait up to 2 weeks for my money back. Thays absolutely ridiculous and it's causing me financial issues. The bank doesn't seem to care. I'm sick of it.
Product: Mortgage

I signed a purchase agreement with KB Homes XXXX XXXX at the XXXX site ) and told the sales agent that I XXXX XXXX XXXX XXXXXXXX XXXX  and would be going with my own lender. He suggested that KB Homes offers a very lucrative builder 's incentive for going with their own preferred lender, which is also their sister company ( KB HS Home Loans ). His exact words were " It couldn't hurt to try it out. '' It actually did. They gave me a contract to sign that said I would owe them for a rate lock if I changed lenders but the actual amount was left blank. I didn't think this would be a problem. I received a loan disclosure from their lender and the origination fees easily dwarfed the builder incentive. My credit union also offered a lower rate with origination fees around 20 times less, easily negating any advantage to the builder incentive. We chose not to sign the disclosure acknowledgement or any documents that followed and, instead, notified our sales agent that we would not be going with their lender. When I gave them notice that I was changing lenders, they said I'd have to pay back fees for the rate lock and it would be very high ( no amount given ). It took many exchanges to find out that it was {$4400.00}. I said that I did not agree to paying this amount. At closing, my credit union notified me that they received a strange notice from the title company that an additional {$4400.00} was due to be wired to them per KB Homes. My credit union said that they could not wire money without documentation and so they were sent the original document that I signed with the blank amount. That just confused things further. I spoke with XXXX at KB and she said it's their policy to do this. My suggestion that I never even signed a loan agreement or a rate lock could not be a factor. 

Because our closing was moved over and over ( we're not on our fifth closing date but are still under contract with no closing in sight ), she offered to drop that fee as a good will gesture due to our other many issues with the builder. Because they've rescheduled the closing so many times, we were unable to maintain the contract with the buyer of our current home and I've had to restructure my loan without a contingency and a lower downpayment. This put us under increased scrutiny and just after final approval, I did purchase furniture and appliances just ahead of our planned move. With the closing only three days away, I did not foresee a possibility that they would cancel it again. They called me with 20 hours notice ahead of our closing appointment to let me know that closing, in fact, would not happen after all and that plans needed to move out at least a week. They've been claiming weather-related issues but this last one had nothing to do with weather ( attic ventilation, in this case ). I asked XXXX at KB if losing my loan now would result in my earnest money being returned and she said no because it would be considered my fault and my actions leading to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted, to have remove from my Experian credit profile a collection account that is not mine, the Company XXXX XXXX XXXX has no contract with me or my signature with such. I have repeatedly requested for this to be removed. They state they purchased a Account from XXXX home XXXX that is mine XXXX has been sued by the FTC for ghost accounts where their employees opened fraudulent accounts. I have as stated requested a contract from XXXX XXXX XXXX between myself and them and they have not provided such as stated earlier. If they did in fact pay off an Account the account is paid and they have no right to attempt to collect this disputed debt they have done nothing but continually verify but not proven with a contract they are pursuing a fraudlent debt not owed by me from a company that has been closed for over 7 years they have violated their right to legally operate and have gone against the standards set forth by the FTC in regards to their operations. They also have not reported this as a Disputed account which they were informed I do not owe them or XXXX any monies and Experian should report the account accurately or be fined please help thank you
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XX/XX/XXXX # XXXX XX/XX/XXXX -- {$10000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit card

This account has always been on autopay for minimum balance or higher to protect against late payments. Despite this, and despite my long history of being a good consumer with this bank, my credit report is erroneously showing late payments in XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with Equifax I filed a dispute with them concerning some inaccuracies on my credit report. They responded they verified my disputes. 

However they havent provided me with any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the  original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you updated that these items are being reported correctly? Who verified these accounts? 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Ive reached out to these creditors and asked for proper verification. They were not able to provide me any verification. Therefore how is it that you verified these accounts belong to me?

Below are the accounts that still remained unverified. 




Confirmation # XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX US Dept of Education # XXXX XXXX XXXX # XXXX XXXX # XXXX
Product: Debt collection

Hello. I am continually being harassed by Receivable Performance Management about a debt that has false charges on the account.  On XX/XX/XXXX, I spoke with a representative and was told that they would put in a dispute for the amount of the false charge, they did not, instead they put in a dispute for something that i said nothing about and refused to review the recording so that they could hear that was not what I said. Also in the same conversation I was told that I could do a payment plan for a the amount of {$5.00} per month, when I received another call from them and told them I want to proceed with that plan once the false charge is settled, I was then told that I can't do a payment plan for that amount when I was clearly told I could. Also any time I ask to speak with a manager either they lie and send me to another rep, or when I insist on speaking with one they hang up in my face ( that conversation is recorded also XX/XX/XXXX ). I also attempted to get the recording of my conversations, I was told that I was being transferred and was hung up on twice. The manager that did this is XXXX XXXX. This company is very aggressive, deceitful and very disrespectful. This type of treatment is unacceptable. 

Best.
Product: Credit card

My Apple Credit Card was used unauthorizedly. I disputed the charges, and they were all denied. I have attached all evidence in this complaint. The information shows that the orders were shipped to a California address. From previous response, the Bank stated the Bank confirmed the billing and shipping addresses provided on the Customer 's evidence tie back to the Customer. Which is not true, I have attached evidences showing the shipping address does not tie back to me the customer. 

My physical and billing address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX The transactions in question were shipped to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California I have attached the information with this complaint again along with my Nevada Driver License with the sensitive information white out. I hope Apple Credit Card can review the information I provided and return the credit to my account and reinstate my credit card.
Product: Bank account or service

When I opened a credit card in 2012, I was told after-the-fact that I had been signed up for a checking account, as a condition of opening the credit card. I never asked to open the checking account, and was only told about the account after the branch representative finished opening my credit card. Now, 4 years later, I am being charged fees on the checking account. I was given no notice that I would be charged fees, and I never wanted this account in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX  and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was reporting inaccurate payment information on my account. In addition saying I was making XXXX monthly payments on this account and saying this account is still open when it is actually closed with no delinquencies. This has been on my credit report for 7 years and 4 months. And they keep making up scenarios to try to keep this on my credit report for another 7 years. I was frauded by XXXX XXXX of XXXX, Ohio. They are showing this information on all 3 credit bureaus and refuse to remove this information.
Product: Debt collection

on XXXX i ask can they please send me original contract with my signature to verify debt instead they are making up paperwork to send me to validate debt also i am a victim of XXXX XXXX breach They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!! 15 U.S. Code 1611- Criminal liability for willful and knowing violation
Product: Student loan

I am trying to consolidate loans and get them out of default.  XXXX   XXXX  owns the majority of my loans and navient owns one. both were in default. I asked for the  IBR  plan and consolidation to get them all on one payment and was refused by Navient unless I paid them  XXXX  to get it out of default. Then next time I called them it was only  XXXX  dollars but they said I was n't able to consolidate my loans because they were n't federally insured anymore. THey also said I did n't qualify for  IBR  plan no matter what when both  XXXX   XXXX  and usfedaid said I absolutely do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
Here are the remaining accounts : XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Balance : {$800.00}