23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Purchased a   XXXX    XXXX   XXXX . Went through a divorce. I could n't pay thet the amount of  XXXX  a month on  XXXX  income. They repo the vehicle, sold it a a auction ( which they sold it for way less than what we owed. Now, Ally financial recovery asset wants me to pay  XXXX . What a joke.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public Record- tax lien Tried numerous of times to get all 3 Credit Bureaus to remove a paid and release public record from my report. XXXX report doesnt show, but the others does. After several attempts, they informed me that the information is correct and it will not be removed until XX/XX/XXXX. 

Public record recorders XX/XX/XXXXPaid XX/XX/XXXX
Product: Debt collection

they call me everyday sometimes 2-4 times in 1 day, they call my job 2-3 times a day, and they even send text messages everyday to my phone. Is there anything I can do, I owe them and pay but I pay late but the calls so often make life even more XXXX.
Product: Checking or savings account

Capital one failed to release my direct deposit. I never got any notification and had to figure out the issue online. They finally sent me an email the next day that this issue happened at XXXX pm. This is unacceptable. Im being hit with XXXX  fees on bills and they are not even answering my question and avoiding it. They need to be held responsible and compensate me for my hardships!.
Product: Debt collection

We heard for the very first time by phone on XX/XX/XXXX that we owe {$510.00} plus nearly {$100.00} in interest for cleaning and utility fees that were supposedly due to our former apartments ( XXXX XXXX. ) in XXXX of XXXX. None of these charges were itemized or deducted from our security deposit. We received a full refund of said deposit and left our apartment in good standing with the company. For 2 years, we paid our rent in full on time. We even paid an extra month, after buying our new home, so we wouldnt break our lease at the apt . And now we have been harassed and threatened that our credit scores will be ruined by this collection agency. Our former lease states : 41.DEPOSIT RETURN, SURRENDER, AND ABANDONMENT. Deposit Return and Forwarding Address. You are required to provide us written notice of your forwarding address, on or before termination of this XXXX XXXX. Well mail you your security deposit refund ( less lawful deductions ) and an itemized accounting of any deductions no later than 21 days or as amended by Washington state law after the lease is terminated. Our deposit was returned in full. No charges were deducted. We were never mailed any billsfirst, second or finalduring the last 2 years. We called XXXX XXXX to further inquire about the charges, and they informed us they no longer have records of this matter because they are under new management. Dont these records need to be available for 7 years? Both companies charging us and pursuing collections are involved in bad faith business practices. What can we do when this happens? We feel completely vulnerable to any agency making claims to take our money under threat of damaging our credit scores, which we have worked so hard to maintain, even through the moratorium of the pandemic.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer. 
The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

XXXX years ago I moved from The XXXX apartments in XXXX, TN. I bought a home. Before I left I cleaned the apartment but did leave some things that the cleaning crew or painters could have. These were things like a comforter, electric skillet, some glasses ... .all in excellent condition. I also took pictures of the apartment after I cleaned it. There were holes in the wall that would need patching because I had my t.v. hung on the wall. They called and said I owed then {$120.00} because I left junk, the refrigerator was not clean enough and the holes would need repair. I told them I cleaned everything and the stuff I left in the middle of the room with a note saying they could have, was not junk. I did send them a check for half of the amount, {$65.00}, for repair ( patching and painting ) the holes in the wall. They put the whole {$120.00} on my credit report and it has lower my good credit score.
Product: Debt collection

We were having money issues and asked XXXX to suspend our service so we wouldnt keep accruing bills we couldnt pay. They agreed to do that and during that time there was a work related injury and we had even less money. We decided to pay off comcast as soon as we could. We thought we might get sent to debt collection but were unsure of when. 

We were sent to debt collection in XX/XX/2019 ... .in XXXX of 2019 the XXXX XXXX XXXX has started putting Derogatory marks on my credit on a repeated basis ( 3 in a week ) for the same debt. 

The entire problem with this entire issue, we were never ONCE notified that we were about to be sent to debt collection, we were never once notified that we had been sent to Debt collection, by either XXXX OR the XXXX XXXX  XXXX. 

Not one time did anyone from The Debt Collection Organization Call, Email, Send a letter, anything at all to try and reach out to let us know what was going on. 

Instead they quietly took our debt on and waited without saying a word and are now spamming our credit with Derogatory marks. 

We have zero idea of how we are supposed to pay the debt, because as I said, we had no idea we had been passed on to XXXX collection. 

I have messaged them twice to try and get this entire thing sorted and they have not responded once. 

They ignore our messages and instead just keep putting Derogatory marks on our credit.
Product: Credit reporting or other personal consumer reports

In accordance with the law the fair credit reporting act, the list or accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C 1681 , section 602 A states, I have the right to privacy.

Under 15 U.S.C. 1681, section 602 A, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C.1681 c ( a ) ( 5 ), states no consumer reporting agency may make any report containing any of the following items of information, any other adverse items of information, other then records of convictions of crimes which antedats the reports by more then XXXX years. 

Under 15 U.S.C. 1681-2 ( A ) ( 1 ), a persons hall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Plsease see attached documents. Do not close this complaint stating it is not me. I am a natural persdason and a consumer.
Product: Debt collection

No heath care bill is owed to anyone, this is false and no verification was ever provided
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items immediately. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Company is claiming no payments were made since XXXX. We paid {$1100.00} on XX/XX/23, {$1200.00} on XX/XX/23, {$700.00} on XX/XX/23 and {$1200.00} on XX/XX/23. This should leave us behind on XXXX months mortgage. However, we received a notice in the mail that we are 90 days past due, and have until the XXXX of XXXX to pay the full amounts for XXXX, XXXX and XXXX plus late fees and other fees. Because of them being hacked, no one can help us, all they can tell us is we must pay the {$7000.00} amount by XX/XX/XXXX, plus XXXX mortgage or they will begin foreclosure proceedings. They are unable to apply/refusing to apply the payments made in previous months, despite me having proof from my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a  XXXX   XXXX   XXXX  account #  XXXX  reporting this is unknown, no contact information and no validation I have disputed now twice remove this inaccurate item off of my credit file
Product: Consumer Loan

XXXX   XXXX  installed an air condition system in my home. I paid {$700.00} to fix installation errors out of my own pocket. I was paying {$100.00} as I understood would be my payment. Now this  Corporation  says my interest rate went from 5.6 % to 13.99 %. I 'm a  XXXX  Veteran with Service connected  XXXX   XXXX   XXXX   XXXX  which I told them. I called them and asked them tom help me. They said I was  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Please help me.
Product: Debt collection

these bills were made when I was taken by the XXXX to the hospital for XXXX. I was found to be legally XXXX XXXX/XXXX/2011 and recieved medicaid that paid all my medical bills up to two years before I recieved medicaid. I also filled out the hospital charity form that was supposed to pay as much as XXXX % of the bills. As you can see by the differant dates I went to the hospital more than once and filled out that form each time. I submited the bills to medicaid.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I reached out to Experian regarding a XXXX-point score drop on my credit report. I instantly checked XXXX and XXXX to see if I was impacted the same way as Experian, but all looked good. Infact, my paid off credit card has reflected and my score increased for both bureaus. Experian, however, can not justify the minus XXXX points. 

There was no action taken, I was informed that they can not put in a dispute because the score generates by the FICO score. I explained that there are two other companies who use the same system but can justify a score drop especially when it so high. Experian can not show me.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX This complaint is a REBUTTAL to a response from XXXX XXXX XXXX XXXX dated XX/XX/year> regarding a dispute on the above account also previous disputes regarding this account. 

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information to my CONSUMER REPORT. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for. 

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX XXXX are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX XXXX  is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE. 

I DO NOT CONSENT TO THE REPORTING OF SUCH UNLAWFUL INFORMATION TO MY CONSUMER REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

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

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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.
Product: Mortgage

Re : XXXX - XXXX - XXXX Initial PenFed representative lied to me, and eliminated an important Heloc option that was still available to me : Email from XX/XX/2018 : " Due to a high debt to income ratio, XXXX does not qualify for the 5/5 product. Please have XXXX contact us to advise how she would like to proceed. XXXX ext XXXX. '' - XXXX XXXX, Mortgage Loan Processor, MLO # XXXX Because XXXX XXXX started to ignore the rest of my emails and was never available by phone, I was forced to contact the Executive Team. The Executive Team connected me with XXXX XXXX, Supervisor, 2nd Trust Mortgage Operations, MLO XXXX. 

XXXX explained to me that the previous representative was mistaken. She told me that the product I initially applied for " 5/5 Heloc '' was still available to me. That I can opt in for it right away, and all she had to do was run a free appraisal report ( which she then sent to me ).  If I wanted a higher line, however, someone would physically have to come and inspect the property. A physical appraisal comes with a {$450.00} fee. 

Never once did she highlight the fact that after paying {$450.00} ( in an already distressed situation where someone came to Penfed looking for financial help ), that there's a risk of a denial for both of the initial products that were considerable options. 

To summarize : 1 ) Mislead me and tried to force me into a product I never even wanted. 
2 ) Corrected the previous mistake and offered me the initial product I applied for ( after hours spent on the phone and dozens of emails sent ), but recommended I pay them {$450.00} for an appraisal.

3 ) After paying the appraisal, denied me for both of the products that were offered as options. 

Left me with - {$450.00} in my bank account. And 2 unsatisfactory options that were never even discussed initially, and that I am not in the least bit interested in. 

If I had known in advance that paying {$450.00} opens me up to the risk of being denied both of the options that were initially offered, I would have never agreed to it. Feels predatory and done in bad faith.
Product: Credit card

In XXXX 2009 there was a return payment on my Bank of America credit card account. From that point on I have been charged for a cash advance, and my interest rate went from 7 % to 24 % I have made every payment due and also paid the month of the NSF. My account has remained current from the beginning of the loan until now. I recently contact Bank of Amercia about this discrepancy and they stated it was nothing they could do. Please help..
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 U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these accounts have violated my rights under 15USC 1681 section 602 A.. it states I have a right to privacy. 15 USC 1681 section 604 a section 2 it also states consumer reporting agency can not furnish in account without my written instructions. 15 USC 1681 sections ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crime, which antedates to report by more than seven years. 15 USC 1681 sections ( A ) ( 1 ) state a person should not furnace any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is inaccurate
Product: Student loan

Navient services some of my student loans, XXXX XXXX services the rest. Recently, I requested a revision to my payment terms because my income changed significantly. I did this via the Studentloans.gov site as requested. XXXX XXXX handled the situation immediately and revised my payment terms. To date, Navient has does not appear to even reviewed the situation and I have payments due, which I can not afford ( why I was requesting the revision in the first place ) in two weeks. They do not appear to know what is happening with my account, and calls to their customer service result in my being placed on hold multiple times why they 'review my account ', but they never seem to be able to resolve the situation. 

Navient has caused multiple problems because their staff doesn't appear to know what they are doing. They never sent a request for any information from me related to this latest request of mine, and now they are telling me to 'just send most recent proof of income '. Well, they don't know what, specifically, they want me to send and they can not tell me where to send it.
Product: Debt collection

XXXX XXXX I put in complaint about the way I was being contacted by IQ Data. In reply to the complaint, I was told there was never a settling amount offered or a payment plan in place which is completely false. I was offered a settling amount of around {$1900.00} In XXXX of XXXX. 
There was also a payment plan set when I was employed. Due to unemployment I was unable to make payments.I have called to alter amount of payments and was told Im unable to do that prior to my complaint. XX/XX/year> I was told they were moving forward with legal action. 
After complaint I was told I would not be contacted by IQ DATA but the amount is still due. 
After complaint was made, I was unable to review account online. I called and asked why, I was told due to my complaint I would not have access to the online account. 

XXXX XXXX I was contacted by IQ data due to a payment plan from my understanding was no longer valid. Due to not having access to online account I was unable to make any changes to account or payment dates. I assumed once I was able to make payments, I would be able to make payments. I have once again been told they are moving forward with legal action. 
All I want is clarification about how this process works as I have never been through something like this before. My lack of knowledge for the situation and the lack of wanting share the process of how to proceed, has made this situation worse and stressful. Is there a payment plan in place that I am following? Am I now able to alter payments to a more reasonable amount for my situation? Every time I ask these two questions Im told no in many words.
Product: Debt collection

Procollect Inc. contacted me in XXXX first time to collect a debt that I did not owe. I disputed it throughout credit bureau at that time. The same company tried to collect the same debt that I did not owe XXXX more time before today. And today I got a letter from the same company about the same debt that I did not owe ( XXXX/XXXX/XXXX ). 

The amount is {$360.00} and the creditor is XXXX XXXX XXXX. 
I want them not to contact me about the same debt that I did not owe any more.