23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a single mother that went to college and got a degree. I am unable to afford the payments of my Private Loan which is through XXXX but American Education Services is the lender ( AES ). I have been in contact with them several times that the {$250.00} a month payment towards my private loan is difficult for me financially as I am a single mother. They have told me several times that they do not have any type way to help lower my payments. I was told no process is in place for income-driven repayment plans or any other type of payment plans. XX/XX/2015 I got accepted into XXXX University to pursue my XXXX studies then enroll into a XXXX. I had to quit school because AES told me that I had to repay my loan and I had exhausted all forbearances and deferments. I told them that I am XXXX to work towards becoming a XXXX and I would be in school for some years. I was informed that even when I am enrolled in XXXX I will have to make payments towards the loan. I had to quit school and I am a single mother who can not pay both a private loan and other loans on my salary. I would like to go back to school forcing me to work part-time, but it is impossible since they will not defer the private loan payments or even offer income-driven repayment.
Product: Credit reporting

Hard credit pull by XXXX on XXXX/XXXX/16. I have not and do n't do business with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent credit inquiries listed on my Experian credit report that are unauthorized and not my credit inquiries. The following credit inquiries from XX/XX/2019 are fraudulent and unauthorized : XXXX/XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX.
Product: Debt collection

In XX/XX/XXXX I purchased a XXXX dishwasher and the light on the door was not working correctly so I called XXXX and they sent a tech out on XX/XX/XXXX. The tech said there would be no charge since it was still under warranty. I started getting a bill in XXXX from XXXX XXXX XXXX XXXX XXXX  that I owed {$170.00} from XX/XX/XXXX for a repair charge and if I didn't pay it would be turned over to a collection agency. I tried to call XXXX XXXX XXXX but it was automated for you to pay the bill with the reference number and no way to talk to anyone. I knew this was not right and it sounded like a scam. Today I get a bill where it was turned over to a debt collection agency : Receivable Management Services LLC. XXXX. I first called XXXX and they looked my account up and saw the tech was out XX/XX/XXXX and they paid XXXX XXXX  XXXX in XXXX and I did not owe anything and for me to call this debt agency and tell them. I did call them and told them they didn't even have the correct date for the service call and it was under warranty, then the girl said that was the charge to send the truck out and I explained to her that XXXX had already paid the bill and I didn't owe anything nor was I paying anything to them. I tried to go to the site on this bill : XXXX, but it is not legit just like the first phone number I had called back in XXXX when I got a bill from XXXX XXXX XXXX XXXX XXXX This is a scam and they are not legit. Someone needs to stop them and also let XXXX know what is going on with their customers.
Product: Credit card or prepaid card

Last XX/XX/2020 I decided I would like to open up a secured card with city card so I gave them {$600.00} and shortly there after the roommate that I was living with stole the card and moved out nowhere to be found. I explained all of this to the overseas fraudulent resolution department at city card and city card in shored me that they were going to completely XXXX out the balance so The {$600.00} security payment that I made would be returned to me since I never once used the card and I want to make that clear upon my conversation with the gentleman in the fraudulent department he said we are going to send you a check and its for {$4.00}. I said wait a minute I gave you {$600.00} as a security deposit never once had a chance to use the card you know it was fraudulent because you wiped off the fees and now youre refusing to give me back my {$600.00} at this point I have my lawyer on retainer and I expect city card to do the right thing and mail me my {$600.00} security deposit from last year not XXXX dollars at this point this is causing me much XXXX  pain and suffering and my attorney said we can include all of that in the litigation so its going to end up costing Citibank much more money and legal fees much more money in additional pay out because were going to sue big if were going to go to court and if you choose to not send me back my money you are stealing from your customers. CFPB this is just another example of big bank taking advantage of the small consumer especially during COVID-19 when many Americans are struggling to put food on them on their table I find this really really disrespectful just tasteful and dishonest.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX I dispute with Transunion the Public Record Information on My report and they answer on XX/XX/XXXX with a verified response. They informed me in the letter the information came verified from XXXX XXXX, which is impossible because XXXX XXXX remove this item from my file on XX/XX/XXXX enclose the letter for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is 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 FTC 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a fraudulent account. I have disputed this account for identity theft. XXXX used my personal information to formulate a fraudulent debt. I have no current relationship with XXXX. FTC outlines identity theft as when a person or business uses your information for illegal purposes. I have requested NUMEROUS investigations on this account and I have not received ANY documentation from the credit bureaus in regards to this fraudulent debt. According to the FCRA laws, a consumer ( me ) has the right to request how the debt was validated with the credit bureaus. XXXX deleted the account and Equifax has yet to follow suit, however are governed by the same laws. 
XXXX is paying Equifax good money in exchange to reporting inaccurate fraudulent accounts.
Product: Credit card

Syncb/XXXX is reporting late payments in error. The account has been paid off and closed. We notified them of the late payment error on several occasions and were assured the late payments would be removed. The account has been on autopay since inception and has since been paid in full. We feel we were mislead as consumers and this account is reporting erroneous information in violation of the Fair Credit Reporting Act.
Product: Debt collection

I disputed this account and they had closed it already so I asked for proof of documents they still have not sent proof of documents they keep calling and harassing me after I told him several times not to contact me to send the documents that I dont needed to provide for proof of the debt that is owed when they close the account already
Product: Debt collection

Comenity Bank has called 5 times from the following numbers XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX I called at XXXX XXXX  XXXX spoke with XXXX and his manager. They indicated the number was marked as do not call XX/XX/2020. 

The person they are trying to reach does not live here.
Product: Mortgage

I submitted a request for a modification review on XXXX/XXXX/2015. At the time there was a foreclosure sale date set for XXXX/XXXX/2015. I was told that I was in review and they were waiting on a retirement benefit award letter. I was able to provide this to them on XXXX/XXXX/2015. My attorney 's office contact the foreclosure attorney and they advised them that they were going to postpone the sale simply because there was complication with the publication of the sale because of a tax lean, so they reset the sale to XXXX/XXXX/2015. My authorized third party was advised that I was in review and no documents were being requested as on XXXX/XXXX/2015. My attorney 's office contacted the foreclosure attorneys office again on XXXX/XXXX/2015 and they were notified that Ocwen advised them on XXXX to proceed with the sale. No written notification that I was not in review anymore was ever sent out and no reason for denial was ever stated other than impending sale date, when the review started XXXX/XXXX/2015. Please help!
Product: Vehicle loan or lease

Chase auto finance. I extended my lease with them and I wan na buy the car. I had some medical issues and I became a little bit behind. last Monday I paid {$810.00} and {$270.00}. Total of {$1000.00}. before that I called and spoke to XXXX and he gave me paperwork to extend by my car out. Told me what to do so I did it. I mailed the paperwork back. The lady XXXX from the call center continues to call me. I had enough I spoke to supervisor XXXX who is very incompetent. Told her all the paperwork was mailed out I want to buy the car leave me alone. Give me whatever I need to fill out. They are uneducated people that wont help you. When I asked to speak to her supervisor she refused. I want to buy the car out and Im getting nowhere with anybody with Chase. I am a healthcare professional I dont work in a call center. I dealt with sick people during the height of Covid. They work at a call center work from home. Theyre not my cup of tea and they need to learn customer service. She needs to learn how to speak to people and not leave messages and know how to read the notes in the system
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 : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

EDFINANCIAL reported information about a federal student loan to a credit agency XXXX regarding a student loan which I never had. 
I am XXXX XXXX XXXX and I have never taken a student loan in my life. Ive tried to call them 5 times and the automated assistant tells me that the wait times are over 500 minutes each time. I ask them to call me back and they never do. They make it impossible to reach them to resolve the false or erroneous report.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I am not informed about them, and the company carried them out without my permission.
Product: Money transfer, virtual currency, or money service

PNC wont let me transfer money to apps. It doesnt work for XXXX, XXXX, or XXXX. And when I tried to open another bank account with a different bank it wouldnt let me transfer money there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX please remove any other variation of my name. I have several addresses that appear that are not mine please delete the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX These are not my phone numbers or work numbers please delete they do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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, credit repair services, or other personal consumer reports

Inaccurate information on my credit report Experian is refusing to take off the negative information and investigation team is not doing their job. My bankruptcy is XXXX owe and XXXX claim.counts are fully paid off and never been late.
Product: Prepaid card

Unauthorized Retention and Use of Personal Data by Netspend I am submitting this complaint regarding Netspends unauthorized retention and use of my personal data despite my explicit request to delete my account and all associated information. After closing my account and ensuring that my personal details were removed, I recently received an embossed Netspend card in the mail. This indicates that Netspend failed to properly delete my personal data and continued to process it without my consent. 
This raises concerns regarding Netspends compliance with financial consumer protection laws and data privacy regulations. I request an investigation into this matter and appropriate enforcement actions against the company. 
I received a bank check for the remainder of the account when closing, that's my evidence, but I can't upload it due to your policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to work with Suntrust on correcting the false reporting they are giving to the credit bureaus since XXXX. I opened the account in XXXX and they are currently not reporting anything prior to XX/XX/XXXX. They are also reporting me 60 days late on my mortgage every month from XX/XX/XXXX to XX/XX/XXXX as of my reports from XXXX. All three credit bureaus confirm this is how Suntrust is reporting me.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I have tried on numerous occasions and have disputed a collections on my credit report numerous times to get proof that this collection belongs to me to no avail. The debt has remained on my credit report and I still have not received proof of the debt.
Product: Payday loan, title loan, personal loan, or advance loan

PayPAL is through Synchrony Bank, they close my account because they said that it was at high risk of failure to pay but I always paid my account on time because I don't like late fees. I also got a XXXX XXXX XXXX  through them that was XXXX dollars and they took it down to XXXX dollars it is still open. Can they just close your account when you are making on time payments and never late because it is low
Product: Debt collection

TodayXX/XX/XXXX, I received a letter trying to collect on a debt that is 1. over 8 years old, and 2. paid off in XX/XX/XXXX, and 3. I paid taxes on it.
I called and spoke to XXXX, she was not a good rep and not helpful. I told her that I paid this debt in XX/XX/XXXXand paid the taxes on the debt cancellation, which she seemed like she had no idea what that is. I also mentioned that I was not happy over the fact that they are trying to collect on a debt over eight years old, and also that I paid on it in XX/XX/XXXX, and I have proof. That I would need their information so that my attorney can contact them since this is clearly illegal. She also said this would not go on my credit report, I found that strange. Most all collection companies report it. I worked very hard getting my credit back up to XXXX+.
A few minutes go by, I got my old records out of my dropbox account and my CPA 's records, I thought I need to call them back and get th complete account number to reference to to give to my attorney.
When I called, the person I spoke to gave me no name, I asked for the account number she said there is not one, and I said that this seems to be illegal that they are trying to collect twice on the account and its over 7 years old, she immediately hung up.
I was nice to each persons on phone, but firm in voice, as they were too.
The Company name : First National Collection Bureau , Inc .
Address : XXXX XXXX XXXX XXXX NV XXXX XXXX Ref # XXXX  Amount : {$4300.00} Original Creditor : XXXX XXXX XXXX Current Creditor : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans that have been rehabbed are being report twice on XXXX and XXXX. Exact same loans one showing current the other showing close derogatory. The is wih Granite State Management. So its 12 on each report. XXXX will not let me dispute this at all because I dispute back in XX/XX/2017 about the amount owed. 
This problem is sinking me. I need help. Other than this my credit is in very good shape.
Product: Debt collection

Transworld system XXXX collection account showed up out of no where on my XXXX XXXX and XXXX credit report this account is identity theft police report number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}, {$340.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNTS -- 1. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account.
Product: Mortgage

Back in XXXX of 2021, Specialized Loan Servicing told me they would take off the late payment so it would not reflect on my credit report but as of today they have not done so. I called them numerous times and they indicated the late payment would be removed and report it to the Credit Bureaus to remove it off my credit report but to no avail has that been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received several emails from banks verifying that several accounts were being reviewed I did not apply for. Specifically a checking and credit card account with XXXX XXXX, and credit card accounts from Bank of America, XXXX XXXX, and XXXX XXXX. I also saw inquiries were processed on my XXXX account. These primarily happened on XX/XX/XXXX. I spent much of XX/XX/XXXX and XX/XX/XXXX contacting the companies and letting them know the applications were fraudulent.
Product: Debt collection

SECURITYCRED is claiming that I owe them {$6700.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.