23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2016, I went to XXXX XXXX in XXXX XXXX, CA, with grandsons. Walking down treacherous stairs to the beach, the stairs collapsed, and I fell with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At the time, the only insurance I had was Medicare. I was charged {$500.00} for an ambulance ride less than a mile to the XXXX XXXX. Since several persons had been injured on these stairs that were not safe, an attorney sued to have the stairs removed and to pay for all of my medical bills due to their improper and dangerous stairs. 

This accident changed my life for the worse. Could no longer work, and after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I had no auto, no savings, and close to becoming homeless at the age of XXXX. My understanding this {$500.00} charge was to be paid since this was no fault of mine. I was not aware of it being turned over to XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, CA XXXX, Ph. ( XXXX ) XXXX. They in turn, immediately added a charge of {$490.00} to the debt, and have charged interest to this medical bill, accelerating the debt to {$1600.00}. Because of this I have not been able to purchase an auto, and it has caused me to not find rentals. I called them several times, the dates I do not remember now, since this will be 7 years old this year. I feel it was inappropriate to increase this bill from {$500.00} to {$1600.00} when due to the issues, I should not be held responsible for this debt. I spoke to the attorney that handled this case, and he did not realize this was not addressed and taken care of at that time. Any assistance on this matter would be greatly appreciated. 
Respectfully, XXXX XXXX
Product: Debt collection

JH Portfolio Debt Equities reported a debt on my credit and i have no idea who they are. I have sent several letters validation and or proof of my signature on any documents, paperwork, Ect. I have not heard back from them and its still on my report. I'm going to fight this to my last breathe. 
Beware of : JH portfolio debt equities. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Mortgage

After successfully completing a 3 month trial modification which took the lender 6 months to get initiated, the lender did not follow through on providing the final modification document until 4 months after the 3 month trial was completed. During that 4 month period, I was told I could n't not make any more payments. When they finally provided me with the final modification document, I was told I had to make a lump sum payment for the 4 month period before the modification could be finalized. I made the payment and mailed the documentation. My certified check was returned and I sent it back. The lender denied the modification because they stated they did n't receive the payment or documentation. Subsequently, they acknowledged receiving the payment but not the documentation. They said I would have to start the modification process that took a year all over again.
Product: Credit card

A citi double cash card was opened on XX/XX/24. After I received it in the mail I called to have the account closed on XX/XX/24. My previous last name was used to create the account. Citi closed the account.
Product: Debt collection

First Credit Services has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX
Product: Mortgage

I'm writing you because I have been scammed by the realtor, inspector, lawyer, on a property that was to be move in ready. Roof leaks, molded, electric issues, no running water in winter months, furnace is broken. There was an escrow account set no account where did the money go? This a hud loan. The lawyer is refusing to help us. Need help can not fix and pay for the house. Please
Product: Payday loan, title loan, or personal loan

I was told if i make payments of {$420.00} Per month for 12 months during the 0 % introductory cash price i would pay off the loan. I maintained my payment to pay off the loan at the cash price, Including making the final payment on the loan the last month before the 12 months was off. I should have received the loan as paid off by now. Instead Conn 's is trying to charge me the interests rate now, late fees and says i own an addition XXXX $ Which is not true. <P/>When i call Conn 's credit they told me i did make the payment in time, but that it was sent back and i paid too late after that so they wo n't honor the cash price now. That is n't true i did make the payment and it was received and not sent back. <P/>Therefore i should n't have all these late payments on my credit and the loan should be payed off. ( Paid in Full )
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is being listed incorrectly! 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

There are accounts that were opened as a result of identity theft and are reporting to my consumer file. There is also incorrect information that does not belong to me being reported, such as names, addresses, phone numbers and employment. My information was compromised and used without my permission. I have brought this to the attention of XXXX, Transunion and XXXX and submitted my ID Theft report along with proof of identity, however they are still reporting accounts and information that does not belong to me.
Product: Credit reporting or other personal consumer reports

am writing to dispute the unauthorized access and use of my personal credit information, as it appears on my credit report. Under XXXX XXXX. XXXX, credit bureaus are required to have my explicit consent or a permissible purpose before obtaining my credit information. I have never given such consent, nor was there any permissible purpose for this access. 

Additionally, I want to bring your attention to an issue related to the timing of payments as per XXXX U.S.C. XXXX. This section mandates timely posting of payments. Any deviations from this requirement must be corrected promptly to ensure accurate credit reporting. 

I request an immediate investigation into these matters and prompt correction of any inaccuracies. Please provide written confirmation of the removal of unauthorized inquiries and corrections related to payment timing within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently legally settled my debt with XXXXXXXX XXXX XXXX and started making payments per our agreement- they sold this debt to Portfolio Recovery Associates of XXXXXXXX XXXX. They immediately showed this as due in full without any mention of my settlement. My sister who is a co-applicant has been diagnosed with XXXXXXXX XXXX XXXX XXXX XXXXXXXX. This has ruined our credit and we cant pay for her treatments. XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, XX/XX/2022, the account balance is zero and has been paid in full as for the rest of my over 35 current active credit card accounts. However, XXXX  XXXX purposely provided to XXXX and Experian fraudulent payment history information earlier today on XX/XX/2022, which caused my perfect credit scores to drop about 80 points causing both financial and emotional harm and damages as a result of its illegal reporting to the national credit bureaus in violation of both FCBA and FCRA including the stipulations of 15 USC XXXX XXXX, SUBCHAPTER I, Part D : Credit Billing, 1666 ( a ) ( 3 ) ( B ) ( ii ) and 1666e. 

See attached XXXX XXXX bank statement. 

The reported errors to all credit bureaus and creditors must be IMMEDIATELY CORRECTED AND REMOVED!!
Product: Debt collection

Hello, Midland Credit Management XXXX has violated 15 US Code 1692c Communication in connection with dent collection, 15 US Code 1692g Validation of debts and 15 US Code 6802 Obligation with respect to disclosures of personal information. 

In your correspondence letter you stated that you sent mail XX/XX/2022 about this alleged account. What address did you send this letter to? I never received this communication and none of the documents youve shown proves that I owe Midland Credit Management. This is not my debt. You guys never sent me the validation letter which is required by law. I ask that you cease furnishing on my consumer report.

Furthermore 15 U.S. Code 6802a states financial institutions may not directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such Financial institution provides or has provided to a consumer a notice that complies with section 6803 of this title. You may not disclose this information unless you disclose this in writing or electronic or other fo
rm permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party : ( b ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party : ( consumer reporting agency ). And I must be given instructions on how I can exercise my rights. 

This is a notice to sue because I have not be given any of these disclosures from either company. I asked that this is removed immediately. I don't want any more time wasted on this. 

You must know all of the Laws before you waste your time and cost your company thousands from a lack of knowledge.
Product: Credit reporting

In XX/XX/2016 I ordered my report from all three credit agencies, however, one agency in particular has refused to provide me with any kind of updated report or investigation results. After filing disputes with Equifax they began asking me for more proof of my identity which I continued to provide each time I either filed or responded to one of their disputes. I also called them on the phone multiple times and was unable to get them to cooperate. To this date, I have not received a response to any of my requests.
Product: Debt collection

Open balance
XXXX XXXX
Original creditor

Opened
XXXX XXXX XXXX (XXXX yrs, XXXX  mos)
Account status
Open
Type
--
Responsibility
Individual
Remarks
--
Original creditor name
XXXX XXXX  
THIS DEBT IS NOT MINE AND HAS BEEN ALREADY REMOVED TWICE FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint. I filed a complaint in regards to my Citibank XXXX XXXX XXXX ending # XXXX not a Home Depot account handled by Citibank. To date my complaint in regards To the Citi XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. 

On or around XX/XX/2022, I filed a complaint with the CFPB against, Citibank, XXXX and XXXX, XXXX for refusing to report my Citibank XXXX XXXX card ending account # XXXX. 

In my complaint I did not say Home Depot credit card handled by Citibank I specifically wrote in my complaint that Citibank is refusing on report Citi XXXX XXXX card ending account # XXXX. 

Instead of Citibank properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my Citibank XXXX XXXX card, Citibank used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. 

On or round XX/XX/2022, I received my XXXX, XXXX and XXXX credit report and noticed they are inaccurately reporting my Citibank XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted Citibank or the three credit bureaus and disputed Citibank XXXX XXXX card ending account # XXXX line of credit. In addition, XXXX refused XXXX report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. 

I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practices and hold CitibankXXXX accountable. 

I want CFPB to investigate Citibank fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by Citibank. 

I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.
Product: Money transfer, virtual currency, or money service

I am reaching out to report an ongoing issue with Zelle that has yet to be resolved. I have made several attempts to use Zelle without success, and each time I have been unable to complete the transaction. 

When I initially contacted Zelle support, I was advised to reach out to my bank for assistance. After doing so, I was informed that the issue would be resolved within 24 hours. However, despite this promise, the issue persists. 

Upon calling the bank again for clarification, I was told that the problem lies with Zelle itself. I would appreciate your immediate assistance in resolving this matter so I can use the service as intended. 

Thank you for your attention to this matter, and I look forward to your prompt resolution.
Product: Student loan

My student loan service provider is MOHELA. They have managed my account since XXXX. I don't recall who was managing my account prior to XXXX. I am currently enrolled in the XXXX program. I graduated from XXXX in XXXX. I graduated from grad school in XXXX. At some point after grad school, before XXXX, I consolidated my XXXX and grad federal loans into XXXX balance. I have been making student loan payments since XXXX, with some forbearance pauses due to periodic unemployment. 

I have been trying, for the last 7 months, to get an accurate list of all the payments I have made on my student loans since XXXX. I have called and written MOHELA at least a half dozen times to get this information but when they eventually provide it, they are only able to provide information dating back to XXXX, when they took over my account. It appears they may have no records of my student loan payments prior to their taking over my loan ( which I had no control over ). 

I tried calling the US Department of Education after not getting satisfactory answers from MOHELA. They simply sent me back to MOHELA. I am very concerned that records have been lost of my payments and that I may qualify for loan forgiveness under the income-based borrower programs but may have that forgiveness unnecessarily lengthened due to lost / incomplete records.

Please, can you help me get the information I am looking for?
Product: Credit reporting, credit repair services, or other personal consumer reports

Factor trust represents the payday loan places that have used my social security number without consent or my knowledge.
Product: Student loan

I have a student loan with Great Lakes. Without asking me, they signed me up to have all bills and payment information sent to an email that I do not regularly check. When we called to find out why we were getting past due notices but had never gotten a bill Great Lakes told us that they automatically send all bills via email, without asking first if that is what we want. 

Great Lakes should not be permitted to choose the delivery method of bills and payment information. The customer should be allowed the option to choose their delivery preference. Because of this we were unaware that a payment was due, and were charged extra interest. 

It is unfair to communicate only by email, without first asking if that is okay.
Product: Debt collection

Collection agency attempting to collect on an alleged debt without first providing written verification proof of alleged debt. In fact, I have proof that this same agency deleted this collection entry from my XXXX credit report on or about XX/X/16 after I filed a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax caused some inaccurate information on crredit report that made a lender call me collecting a debt b/c of the data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My daughter is the primary person on the account and I am the co-signer. During XXXX, my daughter lost her job, and had a hard time getting payments on time. Carmax agreed to make payment arrangements and in many cases, the account was in a payment arrangement but per Carmax, they are not structured to note that payments were being made. Instead, it is showing the accounts past due. Last year, I finally got my daughter to trade the car and the car was paid in full. To this day, it's still showing in my credit report, even after I have asked carmax to send the notification to the bureaus and this has been months, and still not resolve. I am trying my best to get my credit situated and I have disputed this matter many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unemployed, and asked to be switched to Income based payments. Navient instead put me on forbearance and causing me to incur interest and late payments on my credit score. Having a significant negative impact on my credit score. If I had be put on the Income Based Repayment plans, I would not have incurred more interest and not have missed payments on my credit score.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Capital one bank is charging overdraft fees of {$35.00} per overdraft in this historic event and they have NO COMPASSION!!!! They are horrible, they will not take off the fees, it is infuriating!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$220.00} BANKRUPTCY XXXX {$0.00}
Product: Mortgage

Attempting a short sale. The buyer is a tenant in the property. The relationship was disclosed and short sale lender refusing to process short sale claiming that it is not an arms length transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I have no knowledge of the company nor previous contracts XXXX  XXXX- I have no knowledge of this company nor previous contracts XXXX  XXXX- I have no previous contracts or knowledge of this company. They sent me a letter stating I wasn't found in there system XXXX  XXXX XXXX  XXXX have no knowledge of the company nor previous contracts XXXX   XXXX-I have no knowledge of the company XXXX XXXX I have no knowledge of this company and it was removed from my XXXX  report
Product: Credit card

When I first got my credit card I was told that if I spent a certain amount of money that I would receive air miles, but I never received them. I called the credit card company 7 months after opening the account and spending the certain amount of money ( within 90 days ) so that I could ask how much it would be every month to pay off my balance within the next 9-12 months. The credit card company referred me to their approved credit counseling services, which I still have to call but I am not wanting to after this experience. As soon as I asked the representative about my miles she looked into my account and told me that I had to contact XXXX. She kept me on hold and then transferred me where I waited on hold yet again for probably 15-20 minutes. Upon reaching XXXX I was told by the representative at XXXX that Barclay had to upload the miles in order for me to use them? It did not make sense because the Barclay representative told me that XXXX had to load them. I again waited on hold for 20-25 minutes and talking to the XXXX robot entering my sensitive information while the XXXX rep was on three way with me. Upon reaching Barclay I was informed by the second representative that a case had been filed. The frontier rep asked Barclay how long it would take to upload the miles and the Barclay rep said it would be uploaded after two billing cycles? Funny how they do n't tell you to call to get your miles uploaded and yet they also play this transfer of calls with their customers. The Barclay rep could have told me the info on the first call. I 'm paying this card off, using my miles and not using this card again.