23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been contacted multiple times a day, XXXX times or more, every day for weeks. I have had multiple emails left and they have also attempted to contact my employer on several occasions, which i had informed them i wasn't allowed calls at work. It is constant and harrasing the number of calls i receive from MaxLend on a daily basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done several disputes with several credit card companies trying to get them to send me info showing that the accounts are mine. 
They sent the account to a collection agency XXXX XXXX I paid the balance due bc I needed my credit fix with XXXX XXXX  I told XXXX  XXXX  that even though these accounts are not mine I am willing to pay so I can better my credit. I paid the XXXX XXXX XXXX XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX  from XXXX XXXX. I keep disputing with XXXX XXXX XXXX XXXX and XXXX XXXX from XXXX XXXX and they dont respond or send anything validating the accounts are mine at all. I been disputing this with these companies for a long time now. If they cant produce paperwork indicating these are my accounts then they need to remove these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of 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

Upon viewing my credit report I saw information on my consumer report that I have no knowledge of so I filed a police report for the following unauthorized accounts : XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXXXXXX XXXX  ACCT # XXXX, XXXX ACCT # XXXXXXXX XXXX ACCT # XXXX, XXXXXXXX XXXX  ACCT # XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/2024 Since then the date of last activity has been inconsistently updated. On XXXX the date last active is none reporting an on XXXX it's also none reporting. If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

Data Reporter Name : XXXX XXXX XXXX Account Name XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2016 my mortgage went up after having a loan modification five years ago. I know I should have been on top of that but after five years I completely forgot, so I sent to Statebridge my regular mortgage payment. They put the money on an account named unapplied funding. XXXX they called me and saying that I was late, and then they said that I did not sent the monthly payment. They said that they sent me a letter reminding me that my mortgage loan was going up on XXXX and that is not true. I never received that letter. 

To make the history short it took me 4 month before I was able to speak with a manager. They didnt want to cooperate at all and the whole issue took me seven month until I filed the report with the federal consumer agency, ten days later XXXX XXXX called me and apologized and said.. XXXX XXXX I apologize..You were right, I was wrong the money was yours and we put it back in your account and waived all the late fees. I told them that they need to report the right thing to the bureau of credit as we agreed since the beginning of this dispute that he ( XXXX XXXX ) said that they will do it if I was right, and I was. 

I filed a dispute with the bureau of credit because they refused to fix that with them. Today, I received the result of my dispute and said that Statebridge reported that the report is accurate. I dont believe it is because if they want to report the month of XXXX as being late because I forgot that my mortgage payment was supposed to go up that month its ok, in part was my fault but not the other 6 months they are reporting. Those six month I was in constant communication with them trying to fixed this matter. What they did was every time I sent my mortgage payment they applied to the month before so I was late for every single month after that. 

They misplaced my mortgage payment for one month and make late for the following 6 month. If I was late like they are saying how they found the money applied back to my account and waived all the late fees? They waived all the late fees because they know I wasnt late. The bottom line is that they made a mistake and fixed but I am the one paying the consequences. 

I really appreciate if Statebridge finally fix this entire problem and recognize that they did me wrong. I need my credit report to be fixed and to do that Statebridge need to report the right thing to the bureau of credit
Product: Debt collection

All of a sudden, I saw this debt collection on my credit report. I never heard from them, never got a letter... nothing. Then it just shows up on my credit report. My credit has been pristine, and now this happened and has crushed my credit report. I don't know where this debt came from.
Product: Credit card or prepaid card

DEBIT FOR CHECKCARD XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX NY Uncategorized - {$2700.00} {$280.00} I made a trip to XXXX, my homeland on XX/XX/XXXX. 
I was supposed to land in XXXX at XXXX XX/XX/XXXX. Due to a faulty plane on my correspondence in XXXX. i didn't make it until XXXX on XX/XX/XXXX. I made it home that day at around XXXX. 
On top of that, The luggage i received where all lost. I never got them. 
The luggage included toys for kids. 
I called the Airline company but didn't get any help. 
Given the fact that i had to pay extra for transportation and that XXXX was ruined. 
I demand a full refund and a letter of apology.
Product: Student loan

In XX/XX/XXXX I called Navient to find out why I was receiving a statement and what I could do to lower my payment even though I should not be in payback status right now ( I filed a previous claim with CFPB in XXXX and then disputed Navients false dates of school enrollment and forbearance period and deferment period on XX/XX/XXXX ). As a result of this call the customer service agent said I used all of my time I was upset because I knew I had not used that time and I should not have been in repayment. She apologized and offered to reduce the payment and said it will not be effective in time for the payment due in a few days. She never told me to contact the financial assistance department for options on reducing or setting up arrangements all she said was I was able to lower your payment from almost {$400.00} to {$250.00}. It was not until months later that I learned she placed me in an interest only plan with no payment going to the principal. I did not ask for that, I did not agree to that, and nor would I have agreed to those terms. I work in accounting and finance I understand how interest only payments work! This blanket intentional assigning of clients to payment plans they did not agree to, deferments they did not request, not properly informing clients of other repayment options, and making it difficult to repay is downright wrong and scrupulous. XXXX the Navient XXXX XXXX never returned my call once he saw and confirmed that the dates of enrollment were incorrect on their end in addition to confirming that in XXXX ( after XXXX XXXX created Navient XXXX placed me in a blanket deferment status and should not have done so. He was supposed to be working on finding out if they were going to restore the entire year that was lost after I forwarded from the school my official enrollment dates. I called and called and he never called back and never confirmed that he or his office ever received the official enrollment transaction in order to restore the erroneous lost time. I am completely disgusted with XXXX XXXX and Navient for not taking ownership of the mishandling of these accounts prior to XXXX XXXX creating Navient right on down to Navients current deceitful practices and operations.
Product: Mortgage

Mortgage was paid off on XX/XX/2021. Home was sold, we moved to Florida. We are nearly 60 days and the escrow refund has not been issued.
Product: Checking or savings account

Have reached out to bank regarding access to account via mobile app and sending transfers to external accounts in my name. They've continually restricted my access until I call them and stay on the phone while they call my external bank to verify the account. This has been completed twice, and they've again denied me access to view my account until their employee calls my bank for a 3rd time to verbally verify the account I want to transfer to. I was told after verbally verifying twice already now and by verifying trial deposits, this would not happen again but it has.
Product: Debt collection

XX/XX/2019 I paid debt off I want it removed from my credit report as an owed debt
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payment Entry from XXXX XXXXXXXX Account Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding late payment entries on my XXXX XXXXXXXX account. As per the information available, I encountered financial hardship during the period in question, which led to the late payments on my account. 

Account Information : Account Number : XXXX Account Type : Credit Card Status : Open Date Opened : XX/XX/2018 Due to the financial challenges I was facing at that time, I regrettably missed XXXX payments on my XXXX XXXXXXXX account. However, I want to highlight that I have since rectified these late payments as soon as my financial situation improved. I can provide documentation to support this if required. 

I am reaching out to the Consumer Financial Protection Bureau for assistance in having these late payment entries removed from my XXXX XXXX account. I believe that given the circumstances surrounding my financial hardship at the time and my commitment to resolving the outstanding payments, this action would be just and fair. 

I kindly request your intervention in this matter to help me rectify my credit report and improve my financial standing. Your support in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Credit card

I consolidated with Bank of America credit card. Due to the nature of XXXX of my loans ( it was a line of credit with my bank ), the consolidation was split into a regular credit card balance transfer and a cash advance. I now have two different % rates, and I can not pay the higher one off first. They are using a law meant to protect consumers against me. The promotional rate has long expired, so now I 'm stuck paying down a loan where the interest rate is killing me, and I ca n't choose to pay the higher one off first.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXt Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

Bankruptcy XXXX XXXXdischarged Filed on XX/XX/2013 Reference number : 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 an account without my written instructions
Product: Debt collection

On XX/XX/2018 I called Capital Accounts at ( XXXX ) XXXX to inquiry about a negative item on my credit report. I paid the debt and received a letter stating such. 

On XX/XX/2018, I called Capital Accounts because I wanted to know if and when they would contact the credit reporting agencies to report the debt as paid so the item would be removed by the agency. 

Before I was able to get a word in the representative said Yes Mr. XXXX I spoke with you yesterday and you want to set up a payment arrangement for the {$61.00} for XX/XX/2018 and that is something we will not do. 

Knowing the debt was satisfied I asked him if he wanted to review the account and then re address why I was calling. His response was I dont know. 

The representative was attempting to collect on a debt that was satisfied which is against the law and the representative refused to delve into my account in order to address my issue. 

I was transferred to a supervisor who told me his name was XXXX XXXX but instead of focusing the conversation around my complaint all the supervisor wanted to discuss was another account he had in his office for {$650.00}. I attempted to tell him that is not what I want to talk about but rather the incompetence of his collector but all he wanted to do was strong arm me into addressing an account that is not even with his agency. That account is with another agency and had already been set up on a pay plan. 

Capital Collections attempted to collect on two debts by making false statements and should be sanctioned accordingly.

After starting this complaint I called back to Capital Accounts as to inquire about the account number to associate with this complaint. A representative picked up the phone and addressed himself as Hello this is XXXX. I asked for an account number associated with an account that was satisfied and the collector said Mr. XXXX, please and proceeded to hang up on me. The company has refused to take any of my calls as to help me with my credit inquiries.
Product: Credit reporting, credit repair services, 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 number:XXXX  Account name : XXXX XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX has violated my rights. Or 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

I have noticed several hard inquiries on my credit report that I did not authorize. These inquiries are not mine, and I request that they be removed immediately. Please update my report accordingly. Thank you for your prompt attention to this matter. 

See the attached files
Product: Credit card or prepaid card

i was in XXXX when fraud occured on my card, during this time 6 other cards where compromised and my cell phone number from XXXX was ported illegaly and the fraudster had my number for 38 days it took me to recover it while i was over seas to XXXX that even caused me further identity theft, citibank denied my claim bc they said i had knowledge which is false, citi didn't even bother to investigate, even though hotels and airfare was in the fraudsters name i called to tell them this they never called me back, i filed a police report and with XXXX, i called and someone who is a fraud investagator from india was supposed to call me and never did
Product: Credit reporting, credit repair services, or other personal consumer reports

there are various inaccuracies on my credit reports that need to be investigated and deleted, see letter of explanation attached
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX sent me a lot of loan offers in my email and stated check offer that will not impact credit then during they loan application process I selected self employed, I have an auto loan they run my bank account for 2 years transaction then approved my loan. The sent me an email requesting for my vehicle registration and pay stub. Vehicle insurance with {$1000.00} deductible. Their advert is misleading and their process is misleading. I had attached screen shoot of my application that indicated I selected self employed and I have auto loan they had a hard pull on my credit report as against soft pull on their email marketing.
Product: Credit card

XX/XX/XXXX, approved and opened my account after checking my credit reports. 
XX/XX/XXXX, withhold payments after order placed with XXXX, demanding copy of SSN card, Passport, Driver License and A mail, even want me to send these via email!! Never had to send a copy of SSN card to anyone!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly collections/Charge-offs on the US DEPT ED account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These collections were paid in full when my tax refund was garnished! This incorrect reporting of a collection/charge-off on the student loans is seriously harming my credit score. There is no outstanding balance due and therefore these accounts should not be reporting. I have contacted the ( 3 ) bureaus to remove these line items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

see attach FTC violations XXXX XXXX XXXX funding credit XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  could not add all accounts on FTC maybe more to come
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company Equifax, XXXX, And XXXX. I have circled the items I dispute on the attached copy of my credit report ( s ), these items have been disputed over 6 times in 2 years because these inquiries are fraudulent I am requesting that Equifax, XXXX, And XXXX remove these items from my credit report, Incorrect Spellings of My First, Middle, and Last Names I have submitted an FTC Complaint, FTC Affidavit of FrauXXXX, Police Report, supporting my request. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Complaint ( Already Submitted ) FTC Affidavit of Fraud ( Already Submitted ) Police Report ( Already Submitted )
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered the Public Service Loan Forgiveness program last year and began making monthly payments. However, my student loan payments are not being applied to the PSLF program. 

In addition, my monthly payments be applied across all of the loans interest, instead of specific loans, making it nearly impossible to pay off the student loans. 

Finally, the student loans on my credit report show a higher balance due than the credit limit. I believe this is impacting my credit score since theyre installment accounts. On all these revolving accounts the balance due can not exceed the high credit limit or my credit score gets hurt rapidly. FedLoan has not provided a document, with each loan number listed, showing the high credit limit matches the balance.
Product: Mortgage

Received a notice of pending forced placement for insufficient flood insurance, shortage of {$7800.00}. Property is owned by my husband [ XXXX XXXX ] who became sole owner after the death of his mother [ XXXX XXXX on XX/XX/XXXX ]. Current flood coverage is {$180000.00}. XXXX XXXX is +/- {$140000.00}. Previously notified by PHH that no further advances on this reverse mortgage are allowed since the borrower is deceased. Per FEMA the maximum allowed flood coverage a lender can require is the lesser of these three items : {$250000.00} as the max allowed in the Regular program, or the current UPB or, the maximum line/loan allowed on the reverse mortgage. Since no further advances are allowed the maximum coverage should be the current UPB. I scanned my request for re-consideration based on the above logic on XX/XX/XXXX. I received emailed notification from PHH that no reconsideration would be granted on XX/XX/XXXX and they will proceed with forced placement .PHH XXXX XXXX XXXX  is the servicer.
Product: Debt collection

CLAIMING I OWE AN {$870.00} AMOUNT BUT HAVE FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE. 
I SENT DISPUTES WITH THE BUREAUS AND THEM DIRECTLY AND HAVE FAILED TO PROVIDE DOCUMENTATION.
Product: Payday loan, title loan, personal loan, or advance loan

Someone used my information to apply for a loan at speedy cash it was denied but is on credit report so I put a freeze with all three agencies
Product: Credit reporting or other personal consumer reports

i recently checked my credit report and noticed unauthorized accounts these accounts and remarks have been detrimental to my life and credit health
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked to have investigated two bankruptcies on my current consumer report by LexisNEXIS. There is a chapter XXXX Dated XX/XX/XXXX and a chapter XXXX dated XX/XX/XXXX on my current reports that are inaccurate. The credit bureaus have reviewed the reports as been accurate. I am requesting from all the credit bureaus verification of the accuracy on my credit report. I would like to know exactly how the account was verified and the contact person who verified the account. I tried calling the Bankruptcy court USBK COURT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to ask if they verified this account to the credit bureaus and I was told by the clerk that they do not verify information to lexisnexis or any other consumer bureau. Please provide me with as many details as possible as to who verified these accounts because I never filed a bankruptcy. I would like original documents showing my signature as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted an FTC Identity Theft Report and Police Report along with other documentation showing that my personal information was compromised. There were 3 fraudulent accounts opened in my names.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX Account # 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. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.