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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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. 

As you can clearly see with my attachments, your agency is reporting illegally on my credit file. I am prepared to sue you asap If you do not delete these two erroneous accounts off of my credit file immediately as there is NO BANKRUPTCY being reported on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$8200.00} XXXX XXXX XXXXXXXX XXXX XXXX {$240.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$400.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00} USDOEXXXX XXXX Balance : {$0.00} USDOEXXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Student loan

I filed paperwork for the Public Service Loan Forgiveness program because I have been working for a XXXX for over 10 years. In the paperwork, it states my loan would be transferred to a new servicer ( FedLoan Servicing ) which happened. Well, once they received my information they changed my loan program and repayment plan without my authorization which dramatically increased my payments. They are only to be servicing loan under my previous terms which I was paying on time with no problems. I called them regarding and I keep getting 2 stories. One stating they are sending it back to my other servicer and the other stating they ca n't do anything. Had I known this was going to happen, I never would 've changed servicers because I do n't qualify for the program because of how my old loan was set up which NO ONE told me even when I asked prior to filing the paperwork. Besides the unauthorized changes, I was mislead. Things need to revert back to how I was prior to submitting the paperwork. Apparently, FedLoan Servicing does n't have the same programs as my previous servicer, XXXX. If they ca n't service it the same then they never should 've accepted it. I have attached a copy of the paperwork that must be submitted by someone requesting public loan forgiveness for your referral which is the only paperwork I completed.
Product: Credit card or prepaid card

On Friday XX/XX/2018 I noticed a {$160.00} charge from XXXX that I did not make, authorize, or have anything to do with. On Friday XX/XX/XXXX I called Barclays and reported the fraudulent charge and my credit card was cancelled and I was sent a new credit card. This was a pleasant phone call. On Tuesday XX/XX/2018 at XXXX XXXX I received a phone call on a recorded line from a fraud investigator from Barclays. I believe that I offended him when I asked him some questions to verify who he was because he started asking personal questions. The person was rude and accusatory. Though I repeatedly on the recorded line told him that I had nothing to do with the fraudulent charge he said he could not accept the charge as fraud. The conversation became unpleasant and I ended it. I called back a few minutes later and spoke with another fraud representative and that person reviewed the recorded conversation and came back on the line and apologized and said that she did believe the charge was fraud and stated that my account would be noted. On Monday XX/XX/XXXX I received a letter from Barclays dated XX/XX/2018 stating that the {$160.00} charge by XXXX was valid. I called Barclays again and unfortunately I was connected with another rude and accusatory fraud investigator. He many times did not let me finish my sentence. He eventually read the notes and listed to both conversations from my previous calls and removed the fraudulent charge. In addition to being rude and accusatory he was condescending. The fraud " investigators '' are poorly trained and not very good at their job if they though that this {$160.00} charge from a company based on another continent was a valid charge. I had no prior history of disputing charges. If there is a profile for consumers fraudulently claiming charges are valid I assure you that I do not fit this profile. This was a terrible experience and I am hopeful that others share their stories.
Product: Debt collection

This is NOT my debt. The original creditor is listed as XXXX for {$250.00}. My comcast account has been paid timely for the past 22 plus years at my current address. Credit Management LP ( CMLP ) filed a collection with all 3 credit reporting bureaus. They submitted one on XXXX on XX/XX/XXXX. I disputed the debt the same day on XXXX and found the collection on all 3 agencies. I disputed the debt on all 3 agencies immediately. I mailed CMLP a certified letter on XX/XX/XXXX requesting that they cease the collection and that they should mail any documentation to me they feel proves the debt is mine to me. I have not received a response to the certified letter as of yet. I have not received the return receipt. CMLP has proceeded to flag my report again on XX/XX/XXXX for collections for the SAME debt. Their action has caused my credit score to drop by 100 points. This has reduced my credit rating from exceptional to good. I have no knowledge of ever speaking with them by phone and they have never contacted me by mail as required when collecting a debt. I will only communicate with them via the US Mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, so please do so. I need you to remove the following fraudulent accounts and information off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am requesting that you immediately remove the disputed items off of my Credit File.
Product: Debt collection

i received a collection notice from first national collection bureau inc and it is not my debt. 
1 it is not my debt i would like for FNCB to provide proof that it is my debt and Such as original document with my signature and or proof of any payments i made on this account such as voided check. 
2. this debt is FNCB claiming i owe is from 2007 and it is well out side of Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Mortgage

On XX/XX/18 We received documents from Box Home Loans cause we were working on an offer to refinance. When he sent the documents he disclosed the amount we were getting, interest, APR and cash in hand. XXXX XXXX did not disclose that we would have to pay XXXX if we decided to not go through with the proposed offer. I had my current mortgage loan carrier review it and she found there is a lock cancellation fee in the documents. She suggested I contact you guys because she has never heard of any company charging to not take their services and feels it is wrong. We decided to stay with XXXX because they offered us a better refinance deal. 
My current mortgage loan is through XXXX and the main person we go through is XXXX XXXX, XXXX. 
The other loan company we were talking to is XXXX XXXX phone number is XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this Creditor has violated my rights. Under 15 USC 1861, Section section 602 states I have the right to privacy. 15 USC 1681 Section 604a Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. Under 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: Vehicle loan or lease

This auto loan was opened on XX/XX/2020 in XXXX, NC with BB & T in my name. I have NEVER been to North Carolina and I have NEVER been a resident. I have filed a dispute twice through my credit bureaus but both times BB & T has claimed that this is an accurate loan. Which I wasn't aware of until today. I have tried to contact BB & T multiple times but I have never gotten through to a live person. I do n't drive and I have never owned a car before. I didn't have any knowledge of this account until I checked XXXXXXXX XXXX  and noticed it. I've tried twice to dispute it. Additionally I never received any bills or information about this account. This is my last resort in trying to remove this fraudulent loan off of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to delete some of the data on my credit report, but there are still inquiries that need to be removed. The 3 Credit Bureaus must verify these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed inquiries will be deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX dear resurgent ivnv funding, this letter is being sent to you in response to a recent charge that was made on my credit report i do not recognize. 
be advised this is not a refusal to pay, but a notice sent to pursuant to the fair debt collection practices Act,15 USC 1692g starting your claim is disputed and validation requested. 

this is not a request for verification or proof of my mailing address, but a request for validation made pursuant above-named title and section. i respectfully request your office provide me with evidence that i have any legal obligation to pay you. 

at this time, i will also inform you that if your offices have reported invalidated information to any 3 major credit bureaus ( XXXXXXXX XXXX XXXXXXXX ) this act may constitute fraud under both federal and state laws. due to this fact, if any negative mark is found on my credit report by your company or the company you represent, i will not hesitate in bringing legal action against you and your client for the following : violation of the fair credit reporting Act, violation of the fair debt collection practice Acts, and defamation of character. 

if your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit and a copy of such deletion request shall be sent to me immediately. 


sincerely, XXXX XXXX
Product: Debt collection

I received a call from Account Receivables Technologies in XXXX of 2018. They claimed I owed a debit they purchased from XXXX XXXX. I was, and am still unaware of the specifics regarding the alleged debt I owed. I requested in writing that the company verify the debt. Ive attached a copy of the first letter I sent to the company in XX/XX/2018. I also called and requested they verify the debt. My inquiries were ignored. They continued to call me and refused to verify the debt or send me any written correspondence. I just recently contacted them and they informed me that they could no longer answer my questions and to contact the original lender. Im in the dark and my credit is ruined by this unverified debt. 

The alleged debt they are unwilling to verify was reported to XXXX XXXX XXXX. Thus negatively impacting my credit. The alleged debt is also being reported as new debt. Im asking that the unverified information be removed from my credit report.
Product: Vehicle loan or lease

My husband and I have been customers of Prestige Financial for almost 6 years. In the beginning we have had a hard time paying this loan because of the fact that the payments were too high to begin with. At times they have been gracious in extensions and discounted payments. For almost a year we have been dealing with harassment for payment in the most degradable and despicable actions by their account managers. To me they seem to get a rush of satisfaction from this behavior. I can honestly say that the only person who has shown us respect were the repossession specialist. Over 8 months ago my husband had a XXXX XXXX XXXX, he is still suffering from that and has to have more XXXX. I have recently been diagnosed with an XXXX  XXXX that was coincidentally caused by XXXX. My husband is already on XXXX  and I am 7 months into my application for it. I understand that it is an attempt to collect a debt however this is and has caused XXXX  XXXX  and XXXX. Not to mention that when I told the account manager to wait until XX/XX/2019 to take a payment out he didn't heed the warning and he totally over-drafted our account twice and the bank won't give us the money back. These tactics must stop before they cause irreversible damage.
Product: Mortgage

I received a home improvement loan through the Texas XXXX XXXX XXXX XXXX ( XXXX ) program ( loan number XXXX ). When the first payment was due, I had not heard anything about making a payment so I inquired as to where to send the payment. I then sent the payment to where I was instructed to. This payment was received and I my bank statement shows that the check was deposited. After this, the mortgage was sold to Gateway Mortgage Group ( new loan number XXXX ). 

On XX/XX/XXXX I received a call from Gateway informing me that I had not made my first payment and I was told that " If you don't make the payment your credit history will be impacted. '' I instructed them that I had, in fact, made the payment. I was then told Gateway had purchased my loan from the XXXX and the address I had sent my payment to was not with Gateway, after which I instructed to make another payment. I objected and told them they were the ones that had failed to do their jobs, not me, and they were now trying to punish me for their actions. I had done everything required of me and even more. It was not my fault that they had failed to get the deposits from the XXXX. And, now, they were calling up, threatening me, and demanding I make a second payment. The caller said it wasn't a threat because he had said, " if ''. I told him it was perceived as a threat and I feel any reasonable person would agree. I demanded that the caller take this up with his supervisor and they should call me back with the resolution. 

I have now received a letter from Gateway demanding I make this payment. 

I did what was required of me. I not only made the payment, but when there was no contact concerning payments, I reached out and found out where I needed to send it. Now, Gateway is threatening my credit history and demanding I pay double because they failed to obtain payments that had already been made to the XXXX when they purchased the loan.
Product: Debt collection

I was going to be a XXXX customer. I had equipment shipped out. I decided not to pursue this and cancelled the lines for the phone and returned the equipment. I still received a bill after being told my debt would be {$0.00} since I cancelled that day. Since then I have received two bills with different amounts. I have called XXXX three times and each time they confirm all equipment is returned and balance of account is XXXX. Now I am receiving a collection debt from a collector on behalf of XXXX for XXXX balance XXXX has repeatedly said is {$0.00}. I never used the service and returned all equipment. I do not owe this debt.
Product: Mortgage

I have a mortgage with Wells Fargo and had my mortgage set up for bi-weekly payments. The mortgage had no late pays and was always on time. My father, after the death of my mother filed for bankruptcy ( Chapter XXXX ), both of my parents were listed on the original loan documents, however, they never made one mortgage payment, utility payment or paid for any upkeep or maintenance on the property. Once my father filed his bankruptcy Wells Fargo no longer accepted my payments. I argued with them many many times explaining to them that the automatic debit from my checking account was mine and mine alone and that my father had nothing to do with this account and for matter nothing to do with this house. Wells Fargo forced my house into foreclosure because they would not accept my payments, which was not my fault. I have continued to reach out to Wells Fargo trying to get a loan modification which had Wells Fargo accepted my payments I would not need this help. They have done enough to hurt my but when it has come time to help me get things straightened out, they have been less than willing or eager to help. The loan modification documents have been submitted on three separate occasions and each time Wells Fargo has asked for additional documents from me which I have submitted. Wells Fargo has continued to place one obstacle after another in front of me and my family with no signs of them willing to correct this situation that they have put me in.
Product: Debt collection

Received a letter on XX/XX/2020 from HRRG OFFERING {$630.00} TO CLEAR MY DEBT. HAD CALLED HRRG EARLIER IN THE DAY BEFORE RECEIVING THE LETTER AND SPOKE TO XXXX, OR XXXX AND SHE STATED THEY SENT A LETTER OFFERING US TO SETTLE FOR {$650.00}, ( WHICH I ACCEPTED AND PAID ) AND THEN I COME HOME AND THE LETTER STATES THE SETTLEMENT WAS FOR $ XXXX..SHE MISREPRESENTED THE COMPANY AND USE FALSE AND MISLEADING CLAIMS TO GET US TO PAY MORE THEN WHAT THEY OFFERED
Product: Student loan

I applied to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and during the application process, the advisor XXXX XXXX made several promises to me. He assured me that, despite not being fluent in XXXX, I would be able to complete the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) program. I expressed my concern about my lack of fluency in XXXX and specifically asked if the school provided support for international students. During our meeting, he informed me that XXXX offered support for international students. 

When classes began, and I started taking exams, I faced difficulties completing all the questions within the time allocated by the university. I sent emails and spoke with the XXXXXXXX XXXXXXXX, requesting additional time to complete the exams, but my request was denied. No support for international students, as promised, was ever provided. 

Additionally, XXXX of the university professors shouted at me in the hallway for no reason. I had left his class to speak with my advisor about the challenges I was facing with the exams and the lack of support. This professor followed me into the hallway and began yelling at me in front of other students and university staff. I reported this incident to the university administration and requested to withdraw from that professors class. The university allowed me to withdraw from the class without additional costs and assured me they would take action regarding the professors inappropriate behavior. However, no action was ever taken. 

After these events, I decided to withdraw from the program, but the university is now trying to charge me for the class I had withdrawn from due to the professors misconduct. Another breach of contract by the school was related to class sizes. The contract specified that there would be XXXX students per class, but there were over XXXX students in each class. 

I believe the school failed to fulfill its contractual obligations and misrepresented its support for international students. Additionally, the school failed to address the misconduct of its staff and created an environment that was not conducive to my education or well-being.
Product: Credit card

For months, BOA had been calling and I inform them to stop calling. they stop for a while. When I got out the hospital BOA continued the harassing calls to my house through XXXX card services.This is my XXXX complaint to CFPB to stop them from harassing calls however they continue to call constantly. 

BOA deceptive and abusive practices against XXXX and XXXX especially to money that a consumer do n't owe.