23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I responded to an email from Navient Student Services that my private loans were due for repayment. At that time, I didn't understand what they were referring to, but I was afraid that if I didn't at least pay the amount they were requesting to put my " private students loans '' in forbearance, they were going to put in delinquency on my credit report. So I paid them the amount of {$100.00} they requested to put my " loans '' in forbearance, which I thought it would be until XXXX, but then when I called back on XX/XX/XXXX, they said that the payment was only for a month forbearance and they need another {$100.00} for another month. That's when I decided to ask for the promissory notes they supposedly had, because even then I did not remember requesting any private loans from them. The only loans I have are through the DOE through fedloan. Those loans are legitimate, but these loans with Navient are not. When I received the promissory notes, they confirmed my suspicion, I never made these loan requests. Someone copied these loan requests from when I was at XXXX College from the loans I had through the DOE. The loans from Navient had originated through XXXX XXXX in XXXX, and I never authorized these loans at all. They were all made electronically with an e-signature and I never did that at all with XXXX. And yet Navient still wants their money, they have harassed me with calls and emails left and right AFTER I told them that these loans are fraudulent. And yet the representatives told me that there was nothing they can do because the loans were dispersed to the college during the time I was there. BUT I NEVER REQUESTED THESE LOANS. Also Navient says that a Stafford Subsidized Loan was made by me to XXXX XXXX University in XXXX, and I never went to XXXX XXXX University in XXXX. I went there ON A XXXX XXXX during XXXX. So that is definitely fraudulent and I should not have to pay anything nor be threatened with delinquency at all.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased windows for my home ( as the windows were beyond repair ). Lowes worked with me on this, and stated that I could get the promotional 24 months interest free. I knew that I would have this paid for and have always made my payments allocated to where the " promotional purchases '' were paid and plus the additional principal and interest for that particular month. The purchase of the windows were {$5000.00}. 
In the latter part of XXXX, my washing machine and dryer went out as well. Upon having to purchase these during the " XXXX XXXX Sale '', I knew that the windows would be paid for ( since obviously they were purchased first, then the washer and dryer ), but I was willing to pay the interest on the washer and dryer vs. the windows. 
It was XX/XX/XXXX when I realized that Lowes had placed the washer and dryer purchase BEFORE the windows ; therefore, the payments were all being applied to them and NOT the windows. I panicked and immediately emailed them to inquire. I got a very valid response, and the representative did not answer my question as to why they placed this purchase BEFORE the windows, so today, I saw where they put {$3400.00} of JUST interest on my credit card statement, which put me negative on my card. I don't know what to do as they completely did NOT place in the disclosures that the purchases would be placed in a particular order, when it's common sense that the " older purchases '' are paid for first, then the rest, which is how all other processes are completed ... .. or so I thought?
Product: Checking or savings account

I opened a checking account with M & T Bank on XXXX. I have made a series of deposit from that time until XXXX. Since that time, my funds have been frozen and unavailable to me in any capacity. I went to an M & T branch at : XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX and was told my case was submitted and to wait for somebody to contact me. A compliance officer from M & T contact me on XXXX requesting documentation showing the source of those funds. I provided the information on the same day, clearly explaining and detailing the transactions supported with credit card statements. That officer, ( XXXX, XXXX XXXX ), subsequently emailed me to say that the restraints on my account were lifted. However, that was not true as I still can not access my funds. 
Subsequently, I received a follow-up call from " XXXX, XXXX '' XXXX asking about the same case. I referred her to my email thread with XXXX, but she then told me she can not help and that I had to go to a branch. That's full circle as I started at a branch! That email was on XXXX. I have since contacted the branch multiple time. Spoke with XXXX XXXX multiple times. She can not get a response from whomever needs to review this case. 
At this point, I just need my money back.
Product: Mortgage

Multiple years ago I had financial crisis, was about to go bankrupt, and missed many HOA payments. Later when I graduated from college and was able to pay, I made restitution with the HOA and payed XXXX of dollars in back fees. 

However without my knowledge or constant, the mortgage company paid the HOA fees and both companies still let me pay the back fees. So now that I am XXXX dollars away from complete I got my 15 year mortgage loan, Chase Mortgage is claiming that I owe over XXXX dollars in corporate fees. 

At the time when I repaid the back fees, I enlisted a Nevada attorney named XXXX who handled the communications. Now that lawyer will not return my calls. 

Nobody at Chase Mortgage will speak to me except the " debt collector '' who expects me to just come up with a wire transfer of over XXXX. 

Chase sent back my last mortgage payment and now is telling me that it is late. 

I feel that I am the victim of predatory lending scam to steal the small townhouse that I have faithfully paid the mortgage on for over 15 years. 

Please help me! Please launch an investigation!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

SOMEONE USED MT INFORMATION TO OPEN A FRAUDULENT ACCOUNT THAT DOES NOT BELONG TO ME. PLEASE REMOVE THIS FRAUDULENMT ACCOUNT FROM MY CREDIT FILE THANKS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company RMP SRVC LLC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$97.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I reached out to XXXX XXXX XXXX XXXX XXXX XXXX to make an arrangement to pay off my auto loan debt after I voluntarily surrendered it in XX/XX/XXXX. I was told that it need to be placed with a collection agency before I can set up any payment arrangements. Several calls and months later the account was still not placed. I contacted the XXXX XXXX customer service department 3 times on XX/XX/XXXX and received 2 additional departments to contact because they are not allowed to discuss this account because it is not with their department, and that I needed to speak with XXXX XXXX the collection account holder ). I spoke with XXXX XXXX at XXXX who stated she could not pull up the account. I asked for a supervisor and was informed that the account was recalled in XXXX of XXXX. I never received contact from the collection agency nor was it reported with a new collection on any of my credit reports. I was referred back to XXXX XXXX because the account was recalled. When I returned the call I spoke with XXXX XXXX ID : XXXX, and was hung up on after explaining my situation. I then spoke to XXXX XXXX ID : XXXX who confirmed XXXX notes and transferred me to a team lead. The team lead could not explain why I was never contacted by the collection agency or why it has not been replaced for collection after one year. I believe the lenders behavior violates section 807 # 14 of The Fair Debt Collection Practices Act which states The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

I believe that the lender and or new collection agency deliberately failed to update my credit report with the appropriate contact information to contact XXXX to resolve my debt which prevented me the opportunity from arranging a settlement agreement ; leaving only the option to pay in full through XXXX XXXX XXXX. I have yet to speak with any supervisors/managers regarding my issue and was told that they are unavailable on many occasions and that it will take 3 weeks for someone to call me back. I am filing this complaint to seek all remedies afforded to me under the Fair Credit Reporting Act as your department sees fit. My account number for XXXX is XXXX. Thank you in advance for your help in this matter.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I started an investigation of unauthorized inquires on my XXXX and Transunion credit reports. These companies investigated accounts instead. Additionally Transunion DELETED and account I never ask them to investigate. This is a ridiculously gross violation of FCRA. Removing a legitimate account from credit file is illegal and damaging to say the least. Both companies are in violation of the FCRA in that they exceeded the 30 days to investigate my concerns. 
The items are below : XXXX INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX not mine Transunion INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized
Product: Debt collection

Debt was settled and paid and judgement was satisified in NJ Court. A payment agreement was made before it went to court. Creditor is saying the attorney said there was no judgement. But it has been filed and satisified by the court. Attorney needs to rectify with creditor that this has been taken care of and balance is not due as it was agreed upon and settled. 
This may hurt my chances for a mortage. I did not know this was on my report since it was paid, settled, and satisfied.
Product: Debt collection

This private student loan debt account that is reporting on my credit report ( Equifax ) for the amount of {$7000.00} was disputed and removed last year in XX/XX/XXXX. This then and now closed account is reporting different amounts on a monthly basis. If an account is closed how is the balance amount increasing? Last year in XX/XX/XXXX, this account reported the amount of {$7000.00} and in XX/XX/XXXX, this account reported the amount of {$7000.00} owed.This account has also remained on my credit report past 7 years with a date of XX/XX/XXXX being the last date of activity. This account has reappeared on my credit report in XX/XX/XXXX with no notification sent and with no recent account activity with a completely different amount for {$7000.00}. XX/XX/XXXX this account is reporting that I owe XXXX. The inaccuracy and lack of validity of this account is astounding and ridiculous at this point. This information has not been verified and it's apparent with the varying debt amounts. Equifax has violated Section 611 ( a ) ( 5 ) ( b ) of the FCRA. I, as a consumer, have the right to a notification within 5 business days upon reinsertion to the additional information of a previously deleted account. Equifax did not provide that information to me within the time frame of the law. Furthermore, this account is on my Equifax report past the 7 years of the date of last activity. As a consumer I have the right to receive documentation stating and showing when an account will reappear on my credit report. This account has reappeared in an effort to tarnish my credit worthiness with my recent efforts of obtaining credit to purchase a home. No documentation was sent to me that show the validity of this account. I have provided my SSN and State Issued ID has verifying documentation of identity. Equifax can't lie again and say that the identity verifying documentation wasn't provided because I have attached it.
Product: Debt collection

I received a collection notice from Collection Information Bureau , Inc. from creditor by the name of XXXX XXXX , XXXX. I paid the amount they claimed I owed, exactly {$81.00} because I do not like to be send to the credit bureau, etc. When I called this morning to ask for the explanation of benefits or at least to know which number should I call to obtain the information and why was I charged for that amount ( I have XXXX and also a supplemental XXXX XXXX XXXX XXXX XXXX. ), the man who answered the phone was very nasty and did not want to give me any information. I asked him how was possible that the company does not have contact information for their client XXXX XXXX , XXXX he said they do not have that inf, The only inf he gave me was the one on the collection notice and that services were provided at XXXX XXXX. XXXX XXXX was not the party claiming I owe the money. I think if you are collecting a bill from another agency the consumer, in this case me, have the right to know why they are charging me that amount and the details. Please let me know what to do next.
Product: Vehicle loan or lease

I was halfway done with my loan payment, before I got into a totaled vehicle accident  which I was not at fault. Issues with the vehicle paint was addressed by me to BMW years before this totaled accident happened, but BMW neglected the issue and did not want to handle it. Their claim after the car was totaled is false and there were no prior damages made by me to the vehicle. I have never skipped a maintenance appointment prior to the totaled accident. GAP insurance and the insurance of the person at fault should have taken care of any difference. I have emails from BMW stating that the loan was paid off. BMW 's lack of honesty and their GAP and Financial departments incompetency have come at a cost that their customers have to pay for the companies mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XXXX XXXX HAS FAILED TO DELETE THE 5 INQUIRES ON MY CONSUMER REPORT AS WELL AS TO UPDATE THE ACCOUNTS WITH AMERICAN EXPRESS REPORTING ACCURATLEY IT WOULD STATE THE THE PAYMENTS WHERE MADE AND CURRENT AS IT DOES WITH XXXX. ALSO XXXX I HAVE SUBMITTED THE DOCUMENTS PERTAINING TO THE DEFERMENT AND I HAVE NOT SEEN AND UPDATE IN THE CREDIT REPORTING AT ALL ITS SHOULD STATE THAT I WAS NEVER LATE AND CURRENT I AM CURRENTLY IN DEFERMENT AND WAS AT THE TIME OF THE ACCOUNT BEING REPORTED LATE.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX 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 XXXXXXXX
Product: Debt collection

On XX/XX/2022 I, XXXX XXXX, a natural person have become aware of negative activity that was placed onto my consumer report by Phoenix Financial Service a third party debt collection company. 
Pursuant under 15 U.S. Code 1681b- Permissible purposes of consumer reports, I, XXXX XXXX NEVER granted Phoenix Financial Service permission to report any information onto my consumer report. 
I sent a letter ( see attachments ) via certified mail with tracking number XXXX to Phoenix Financial Service to let them know that I was aware of the reporting. 
This alleged debt was furnished onto my ( XXXX XXXX ) consumer report as medical information. This report has undermined my right to privacy under 15 USC 1681 ( a ) ( 4 ).

Phoenix Financial Service has since deleted the alleged debt from my consumer report by which admitting to willingly and knowingly breaking the law pursuant to 15 USC 1611. 
In the letter I ( XXXX XXXX ) sent to Phoenix Financial Service, I listed my remedy as well as attached an invoice for {$3000.00} for violating my rights pursuant to 15 US Code 1692k.
Product: Debt collection

Bill date was XX/XX/XXXX. Original bill was never sent to my medical insurance to be billed. I have active medical since XX/XX/XXXX. Bill was sent to debt collectors. Was sent a notice to old address which I never received. Called insurance and bill was settled. Kept receiving calls from collectors. Kept telling them the bill was settled two weeks ago which was on XX/XX/XXXX but kept stating client never updated information to reflect. Told them twice to call their client. Bill is settled and Im tired of receiving calls that feels like harassment. In the photos below I have the times when they called me. Called my insurance as seen in the photo on the XX/XX/XXXX and everything was settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank - Walmart Credit Card Account Number - XXXX Credit Limit - XXXX Comments - Transfered to another lender XXXX and XXXX collected on this credit card, and this was paid in full on XX/XX/2019 to them. Im unsure why a year later this has not been updated, as they have stated that they have closed my account and never reported anything on my credit report.
Product: Payday loan

On XX/XX/XXXX Allied Collection Services located in XXXX NV, added four accounts to my credit report. I called and reported to them that the accounts are not mines and I 'm a victim of identity theft since XX/XX/XXXX. I had to file bankruptcy just to clear my name. I 've emailed my bankruptcy paperwork to them so this matter can be cleared and nothing has happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th 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 XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : ) XXXX Balance : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Vehicle loan or lease

I wasnt using the vehicle at the time. It was sitting in the driveway. I then let the company know they can have someone come get the car