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

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late with payments. Ive attached a copy of my report to this complaint on the following dates XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

Was contacted by Portfolio recovery on XX/XX/23 about a potential debt owed to XXXX XXXXXXXX. I told them I was not aware of such debt and asked them to please send me proof of this debt and gave them my mailing address and asked them to not contact me via phone again. They called again on XX/XX/23 and I again told them I already requested proof of this debt and to stop contacting me via phone. They called again on XX/XX/23 and I refused to answer.
Product: Student loan

I have been trying to make payment arrangements with Navient for months. Every time I call, I get that no one can help unless I guarantee how the payments will be made. They are rude and not understanding at all. Do n't they realize them bullying and belittling my situation is not helping the situation at all. I have been told that they will not place me in forbearance, not lower my payments and basically will not be working with me at all unless I can make the payment they are offering. I had a supervisor offer to take my interest rate to 1 % and extend the term of my loan, but he would not take payment unless I told him the method of how I was getting the funds to them every month. I told them that I was not sure but I would make sure the payment was made. He told me that he could not do it unless he knew for sure that I was going to make the payment on time every month. I feel like I am stuck between a rock and hard place. I want to make payments on my loans but I can not afford {$400.00} plus a month and be able to live and take care of my child. I explained that to them. They even told me that I am negative XXXX XXXX in my monthly income versus expenses. With them knowing that and still trying to increase my payments is ridiculous. I want to pay back the loans that I took out. Also, the loan amount that I actually took out from XXXX XXXX was a lot more with interest. I just wish at the time that the loans were offered to me that they really educated me about what I was getting into. The documentation that I read was a lot of jargon that was very hard to understand. The education that I got was not worth the headache that I am going through now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle for a 2020, due to the fact that I have a old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that some one has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$850.00} DEPTEDXXXX    XXXX {$10000.00} XXXX/XXXX  XXXX {$4200.00} DEPTEDXXXX  XXXX {$4000.00} XXXX   XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I HAVE REACHED OUT TO EQUIFAX XXXXERVERAL TIMES THROUGH CERTIFIED LETTERS, PHONE CALLS.THEY STILL HAVE NOT DID ANYTHING TO RESOLVE THIS MATTER .ORIGINAL CREDITOR UPGRADE NOW IN COLLECTION WITH XXXX XXXX XXXX HAVE A REPORT FROM LAW ENFORCEMENT, FTC REPORT THAT I SENT THEM.THIS MATTER IS HINDERING ME AND CAUSE A GREAT DEAL OF EMTIONAL STRESS. I AM TRYING TO BUT A HOME I HAVE LOST JOB OPPORTUNIES. THIS IS DISTURBING MY LIVELIHOOD.THIS DEFLATION OF CHARACTER AND AGAINST THE LAW.In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

The audacity! I have said repeatedly, remove all names but 1. Remove all address but 1. Remove all jobs. Then Experian posted a fraud alert with a phone number listed to call first, which I have repeatedly said remove all phone calls but 1. 

This company and the many other 40 some agency in banking, credit, reporting, all are acting and behaving like 6 year olds. Do not listen, and further Perpetuate this operation which keeps the record filled with incorrect information relating to misinformation and bad credit status. 

I have repeatedly instructed that its a violation of my rights to have this material listed and please remove it. 

Im told one told, and find the actions are something completely other than what was discussed. 

Unfair, unjust, unethical and fraudulent conduct continues with this greedy rotten industry thirsting off my credit and sharing none. 

This has gone too far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account 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 request, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

On XX/XX/XXXX an XXXX XXXX retail credit card was opened using my information. My ex husband thought he'd surprise with the account as it would qualify me for several discounts. 

Upon finding out how this would negatively affect my credit, I immediately closed the account on XX/XX/XXXX. There is no balance owed and the account is in a " Closed '' status.
Product: Credit card or prepaid card

this is unresolved, credit card opened last XXXX and used in 3 months in excess of XXXX in order to get {$200.00} bonus. You dropped the case but it is STILL UNRESOLVED. Bank of America, they refuse to respond. This has been going on since XX/XX/2020.
Product: Mortgage

I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX XXXX GA XXXX. 
Payment Errors : Your company did not properly credit the payment that I made on [ XX/XX/2019 ] in the amount of {$1600.00}. This payment should have been credited as a monthly payment and not towards the Principle. 
I have called every month since then and am being told the matter is being " escalated '' and should be resolved within 5 days. We are now in XXXX and it has not been resolved.
Product: Debt collection

XXXX XXXX XXXX XXXX The company is not claiming to receive my payments on XX/XX/XXXX amount {$410.00} XX/XX/XXXX amount : {$410.00} XXXX XXXX ( don't remember exactly what date XXXX Since they kept saying that they hadn't received any payments since XXXX, I pad through their web site.They have also dinged my credit.
Product: Checking or savings account

My card went missing maybe a week ago, but I always misplace things so I didnt think anything of it, I would just XXXX money to family members so that I can have cash. After doing that for a week I tried logging in my account again to XXXX once more, and I noticed my account was locked. I then called to listen to transactions and noticed a check for {$15000.00} was deposited into my account and I didnt notice. Whoever deposited this check was trying to transfer money via wire. The bank wont talk to me and has now placed my account on a hard hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX DEPT OF EDUCATION/XXXX  Account # XXXX XXXX DEPT OF EDUCATION/XXXX  Account # XXXX XXXX XXXX Account # 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.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX XXXXXX/XX/year>
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.

Account Name : CAPITAL ONE : Account Number : 517805 Account Name : WORLD FIN : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

This complaint shall be considered a follow-up to my previous complaint which contains some disputed items which I believe to be fraudulent and erroneous I want the disputed items to be removed from my file for they do not belong there Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$19000.00} XXXXXXXX XXXX XXXX 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

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0}
Product: Mortgage

I am receipt of the Servicer 's letter dated XX/XX/XXXX but having difficulty processing the following statements : : On XX/XX/XXXX, funds were received in the amount of {$300.00}, for the XX/XX/XXXX, monthly payment of {$350.00}, which was short {$47.00}. In addition, they requested If you believe a payment other than those indicated in the enclosed payment history has not been applied to the account, you may provide documentation such as a copy of the front and back of the cancelled check ( s ) or money order or bank statement reflecting full details of the cashed payment, to the address listed in the letterhead above, for further review. 

First, my complaint was not addressed I provided the Servicer with a copy of the money order dated XX/XX/XXXX along with receipts for money order purchase and priority mail delivery. 
Second, I did not receive a payment history record from the Servicer as they stated, nor do I require one. I have been making payments of {$350.00} since XX/XX/XXXX. Therefore I am well aware of the amount of forwarded payments. Third, The Servicer clearly does not want to admit an Error has occurred on their behalf. Instead they redirect or cover the matter at hand. Lastly, I am requesting a copy of my money order received by the Servicer.
Product: Credit reporting or other personal consumer reports

I DID NOT GIVE ANYONE PERMISSION TO OBTAIN MY CONSUMER REPORT THESE ITEMS IS REPORTED INACCURATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

PayPal closed my account for no reason with no warning even and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them then I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Product: Credit card or prepaid card

On XX/XX/2022 at XXXX I went to the ATM to withdraw my funds from my Direct Express Card that I receive SSD benefits on. My card was expired at the end of that day. 
I didn't realize it till then. 
I quickly tried calling Direct Express, and thru the automated system was informed I had been sent a new card on XX/XX/2022. I never received another card! 
On XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX of XXXX  I have tried to get customer service to help me over the phone 102 times, only to be hung up on by the automated system! 
All the money I have is on that card and apparently there isn't any live agents to speak with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XX/XX/2021
Product: Credit card or prepaid card

I have concerns that Bank of America is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair and equitable dispute process regarding fraudulent activity on my account. The Company is also failing to acknowledge and directly reply to my inquiries and requests for information on this matter. In my most recent attempt to clarify this matter on XX/XX/2022, I spent the better part of an hour trying to reach an agent who could assist and was eventually disconnected without success. Please see detailed letter for additional detail.
Product: Credit card or prepaid card

In XXXX 2020 I lost my job due to covid and had no savings to fall back on. I contacted Capital One immediately and asked for assistance by postponing my payments so I could try to continue to pay rent and my auto loan, which is also with them. They agreed to postpone payments on my credit cards until I was gainfully employed again on two of my credit cards. I began work again on XXXX XXXX, 2020 and before my first paycheck deposited I checked my credit, which stated I was late, and later charged off, from XXXX to XXXX. When I reached out to them they told me that the covid disaster was unfortunate but there was nothing they could do. I never has any communication from them beofre I reached back out to them informing me of this. This is destroying my credit and making it very difficult to provide for my family. Please don't let this pandemic affect our lives for the next seven years, if the late payments are dropped I can begin paying much more that the minimums again now that I am back to work.
Product: Credit card

XX/XX/year> submitted initial dispute over wick.com in the amount of {$320.00}. XXXX charged my Apple Card an automatic renewal without my consent on a product I never received and had cancelled a year prior due to never being able to access what I had paid for. Provided emails from wicks.com proving that the charge should be reversed. 

XX/XX/year> Apple reapplied the charges and I again resubmitted the proof that I should not be charged. 

XX/XX/year> Apple reapplied the charges. I again submitted the proof that I should not be charged XX/XX/year> Apple again reapplied the charge. I again reached out and provided proof the charge should be removed and sent a letter via email. 

XX/XX/year> The charge was again reapplied. I again set proof it should be removed.
Product: Debt collection

I need to know if Wells Fargo Bank, who has been named by Judge XXXX of the XXXX XXXX XXXX XXXX XXXX, as a victim of my mortgage fraud conviction in XXXX, has ever received any restitution money from the clerk of court of the Florida XXXX XXXX XXXX in XXXX Florida for XXXX XXXX for my XXXX foreclosures? 
XXXX XXXX, AKA, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

It has come to my attention that payday/internet lenders must be licensed by the state of Pennsylvania in order to offer loans to its residents. Since this company has no license in my state, the loan contract I have is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan, plus 6 % interest, which is the maximum allowed by Pennsylvani a Law.    I received a deposit of {$800.00} on  XXXX / XXXX /  XXXX  . From  XXXX / XXXX /  XXXX   to  XXXX / XXXX /  XXXX  , I have paid a total of {$950.00}.   Based on the above mentioned P A State Law, the principal plus 6 % would be {$840.00}.
Product: Debt collection

In or about XX/XX/2019 MIDWEST RECOVERY began reporting false claims against me without notice or ability to defend accounts by XXXX Hospital. I am not aware of this debt nor have I been given right to dispute the debt. I've written Midwest Recovery and Disputed reports made by this company to the three Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Hello, I paid off my vehicle loan ( XXXX XXXX XXXX, XXXX ) with Honda Financial Services on, or around, XX/XX/XXXX. As of the date of this consumer compliant, I have NOT received my vehicle title from the aforesaid lender. I did receive a letter from the lender, dated XX/XX/XXXX, indicating that they received my final payment and that they will now consider my account paid in full. Ive called the lender numerous times regarding this matter only to be put on hold for more than an hour and a half! The extended hold time is probably due to the pandemic, but the lender offers no other viable alternative for me to address this matter ( i.e., email, direct messaging capability, etc. ). The emails from me that have been sent through the lenders web portal have been unanswered. In addition, I was ( finally ) able to connect with one of the lenders call center representatives on XX/XX/XXXX, and he advised that the lender had an incorrect borrower address on file, which did not make sense given that Ive received alternate correspondence from the lender in the past. That call center representative confirmed that he corrected the address and that I should be receiving my vehicle title in the mail within the next 5-7 business days. Thatunfortunatelyhas not occurred and Ive exhausted my options on obtaining the proper documentation for my paid off obligation with the above-mentioned lender. Your help on this matter is greatly appreciated. Thank you.