23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX  XXXX at XXXX XXXX XXXX  back in XX/XX/XXXX. After follow up visit I was told I had XXXX follow up visits at No charge ( had my check book out to pay, was told I owed nothing. Received a bill in the mail I called them, they said to ignore the bill I owed nothing. Had a second visit wanted to talk to someone regarding the bill they told me to wait till after my visit then I could talk to someone. XXXX with XXXX he told me I did not have follow up visits at no cost, was a bit rude to me, I tried to dispute this at the office and they would not talk to the girl at the receptions desk. Then received more bills, tried to talk to the office and they would not talk to me, just said I would be sent to collection. 
XX/XX/XXXX I sent them a certified letter with a check for {$56.00} per my insurance invoice, with a note on the back of it saying, " By endorsing and cashing this check you accept payment in full for all Visits thru XXXX XXXX. '' the check was cashed when they received it. I then received a call from XXXX ( XXXX  XXXX  XXXX  ) about monied due, explained to him the letter and check sent, he said he will Not cash it, As I told him it was already accepted and cashed, he then told me he would send the money back to me, I told him NO if he sent it I would not cash it. 
I was then turned over to Allied Collection agency, showed them my proof, Since XXXX they have dropped me and put me back on collections, they just closed the account again and reopened as of XX/XX/XXXX. I went in person again XX/XX/XXXX to try and resolve this but XXXX ( a manager XXXX said they can keep on renewing it and he says they didn't receive this till XXXX, even after I showed him Proof they had this account since XXXX! He even copied a fax I sent to them in XXXX, and when I told him I spoke with XXXX he said nobody worked there by that name yet the fax proved I sent it to him in XXXX. XXXX would not even acknowledge all the phone calls and people I have talked to over the years with Names, Dates and Times XXXX  Years I have been trying to resolve this. What is my next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to get a repossession from my credit report! This is outrageous and it is keeping me from moving forward with my life. I have not only filed a report with you before but also the credit agencies and the creditor, XXXX XXXX. I am so tired of this! I want the account XXXX removed based on the law 15 U.S. Code 1681a - Definitions ; rules of construction under ( 2 ) exclusions letter B. I will attach it to my complaint.

I want this removed ASAP. I am currently consulting a lawyer. I have anxiety that this has contriuted to. I am also a victim of the breach at Equifax.

I keep being told by the credit agency to call the creditor and they tell me to call the credit agency. I was even told by XXXX XXXX that they would remove it and they didnt. I called them back and they wouldnt honor it. What a joke! Where is the customer service and law abiding companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with the Westlake financial, my car had an accident and it was a total loss. My insurance paid the westlakes financial in XXXX. I have also paid and the payments do not appears in my credit report. Westlake has not report the payment to my credit report.
Product: Vehicle loan or lease

I XXXX XXXX, a consumer, made a consumer credit transaction with XXXX XXXX on XX/XX/2021 in good faith. After obtaining my vehicle registration I noticed a error on my title ( XXXX XXXX XXXX ). Santander Consumer USA is labeled a lien holder on my title but i have no account or loan with this corporation. I contacted Santander Consumer USA about this error and they confirmed my title is in their possession. After noticing the title was in the system, I informed Santander Consumer USA that an error was made and asked them if the corporation name could be removed from my title and if they could contact Pennsylvania Department Of Transportation and electronically remove this lien. A supervisor of the corporation informed me that it is no known fact of why the error occurred but Santander Consumer USA are not able to release my title and remove their name as a lien holder. I also contacted the Pennsylvania Department Of Transportation about this matter and they gave me supporting documents verifying Santander Consumer USA as the lien holder on my vehicle. This matter is now considered fraud and Santander Consumer USA was notified that an error was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIDAVIT I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. 

My name is : XXXX XXXX XXXX File Number : XXXX ( XXXX XXXX ) Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX My current phone number is : ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX , XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX  XXXX, OH XXXX
Product: Credit card or prepaid card

Please refer to previous claim # XXXX, Case # XXXX. This case has been closed and it was suggested I contact the Merchant ( XXXX 's XXXX  ) which I did and I spoke to XXXX. We were charged {$290.00} for a take out order purchased on a square. XXXX gave me the following info 1. They don't use a square 2. They didn't generate the receipt or the invoice that BofA said was proof of the purchase 3. The time of the purchase was XXXX am. and they don't even open until XXXX am 4. This is the 3rd time a similar situation occurred with their establishment with nearly the identical receipt information ( menu items ) 5. She has no record of a charge in the amount of {$290.00} on XX/XX/2021 6 Now after completing further research I discovered the website they were using for evidence is fraudulent. 
Obviously, BofA is getting scammed and didn't really even investigate the claim thoroughly. I wonder who they contacted to get these falsified documents?
Product: Student loan

As an misinformed student about student loans, I agreed to a loan through Sallie Mae. This was the only way I could afford to attend college. I am a first generation college graduate. My mother only went through high school and my father middle school. It was my understanding, as I was earning a degree in XXXX XXXX, that my loans would be forgiven through the XXXX XXXX ( XXXX XXXX ) program. I feel as though I was mislead by the school and the loan company. After struggling with repayment, finding a job, and managing finances, I began to pay on the loan. Which at this point has more than doubled. As I was mislead again to go into forbearance until I could afford to repay the loan. Now that I have been repaying the loan going on several years. Keep in mind it started as a {$25000.00} loan and is now around {$45000.00}. During the time I could not pay they called me several times a day. They started calling my work. They even faxed my work. This was embarrassing as my boss received the fax. I was nervous that they would start harassing my work as they were harassing me several time a day as I was at work. So, at one point in default their in house collections representative called me. I spoke to them several times and on occasion they offered me a one time payoff amount which was a portion of what I owed. Of course I could not afford that which is in essence I am sure why they offered it. Skip to a couple of years later and I am paying on the loan for several years with my understanding the interest rate being .5 % for the first year. However, my loan amount was only going down in {$20.00} increment with additional fees and capitalized interest in large amounts. After selling our house I call Navient and ask them if I can still make the one time payoff. Their response was no because it is no longer offered because I was not in default. They said you have to be in default for almost a year before they would work with me. I had this conversation several times. So, I have to let my loan go into default, occur more interest, late fees, etc before anyone would work with me to get out of this debt. I even filed a complaint on here. Their response was along the lines of you agreed to the loan. Ok, so I have been paying on the loan and all of a sudden I notice the payments have stopped coming out of my " auto draft '' account. I realized they have placed me in " INSchool '' deferment without even asking me. Again to capitalize on interest I am sure. I just want to get out of this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent documents to Experian, XXXX, XXXX via certified mail last month XX/XX/2022 i have yet hear any response back, it was about incorrect reporting info about all the hard inquiries I have on my credit file which I did not do, someone stole my identity a while back and there still out there applying for things in my name, I've have had a fraud alert in place on my file that anyone trying to get credit to call me and verify. I did not receive any calls back or anything for any of those I did not verify any of those. the only think I have has a hard inquiries should XXXX XXXX XXXX XXXX XXXX my bank that's all I've applied for I want all this inquiries removed that were fraudulent done there's multiple ones on there of the same thing over and over I also sent over letter that 3 accounts to be removed immediately for wrong inaccurate reporting i will attach letters sent along with FCRA violations committed these accounts have been paid in full and the lender agreed to remover them
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent accounts were opened. I already filed a Identity theft FTC report XXXX XXXXXXXX which is attached. Please remove these fraudulent accounts off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did NOT authorize : 1. The following account is NOT MINE : XXXX Date opened : XX/XX/XXXX, account number XXXX XXXX. The following account is NOT MINE : XXXX Account number XXXX Date opened : XX/XX/XXXX. Please remove it from my credit report. 3. The following account is NOT MINE : XXXXXXXX XXXX Date opened : XX/XX/XXXX. Account number XXXX. Please remove it from my credit report. 4. The following account is NOT MINE : XXXXXXXX XXXX. Date opened : XX/XX/XXXX. Account number XXXX. Please remove it from my credit report. 5.The following account is NOT MINE : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX. Account number : XXXX Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Credit card

I was living in XXXX for a few month taking care of my XXXX mother. American Express cancel my membership because it was past due for a few months. I have no access to gmail in XXXX, and was n't made aware of this situation. When I came back to the States, I immediately contacted American Express and offer to pay my annual fees and request them to retro activate my account and give back the XXXX plus points.
Product: Credit reporting or other personal consumer reports

XXXX is been reporting an inquiry by XXXX XXXX XXXX, on XXXX. I had no business with this company, neither or authorized any used of my credit file.
Product: Credit reporting or other personal consumer reports

I cant believe what I saw on my credit report this morning! Inaccurate accounts are popping up, and Im completely at a loss as to why. I checked my report like I always do, and suddenly there are discrepancies out of nowhere. I even tried refreshing my browser, hoping it was just a temporary glitch, but the inaccurate accounts are still there! Im pleading for the documents I sent to be thoroughly reviewed so I can stop worrying about this mess.
Product: Mortgage

Starting in XXXX, my tax abatement with the City of XXXX was approved late. My mortgage company paid the full amount in taxes from my escrow account and then I had a negative tax balance with the city. I called the mortgage company to inform them of this. The city lowered my negative balance to pay for XXXX and XXXX. So, i was overpaying in taxes every month in XXXX. I never received a check for over payment. Beginning in XXXX, the mortgage company, then STILL pulled the full tax amount instead of the abatement amount, therefore draining my escrow account once again. I've been overpaying in taxes for XXXX because of their mistake this year. I requested they get the remaining refund from the city of XXXX back in XX/XX/XXXX. I called every month to get an update. They said they still didn't have one and the city takes a long time. Mind you, I overpaid {$1000.00} one month for my mortgage and continued to overpay in my mortgage going forward  because of their mistake this year. I speak to a supervisor in XXXX. They realize they sent the refund request to the wrong email at the city. At this point, I'm owed about $ XXXX. It is now XXXX. I was told they would do an advance refund and have my escrow recalculated by TODAY. It is still not completed. The advance refunded hasn't been processed and they haven't even started on an escrow analysis for that refund. It is hard enough that with the pandemic, times have been tough. It's even more frustrating that a company can't resolve an issue in which they owe me money over an 8 month period. I need this resolved and I need to be reimbursed for this.
Product: Payday loan, title loan, personal loan, or advance loan

Have a loan with one main financial and was told to apply and see if they have made me over pay on extra stuff
Product: Credit reporting, credit repair services, or other personal consumer reports

Im upset chexsystems has cause may a lot of emotional and financial damage. They are reporting in accuracy information, which has caused me to get denied an opportunity to open a checkings account. Chexsystem has no contract with me to display this inaccurate information. They are showing two accounts that i was a victim of identity theft. I have a FTC report to prove this information.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXX  ) that you shall 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 : Account Name : XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX Account Name : XXXX & XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have XXXX XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX XXXXredit 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 # XXXX and XXXX 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: Payday loan, title loan, personal loan, or advance loan

I was contacted by a loan XXXX at one main financial loan services by the name of XXXX XXXX he got a few in for from as far as where I worked, how much I make a month, my banking routing and account number and also the last XXXX of my social. He told me I was approved for XXXX and gave me a confirmation to contact the XXXX XXXX XXXX by the name of XXXX XXXX and his number is XXXX ( XXXX ) XXXX, I called XXXX XXXX and he assure me that I had to pay XXXX through a XXXX card because the wire transfer was coming from XXXX XXXX  and I sent it then he told me that XXXX XXXX would not release the funds because my social security number was flagged and that I had to pay XXXX on a XXXX card and I did that also and then called me and told me that they needed XXXX dollars and I told them I would not give more money because this did not make sense he then told me he would pay XXXX from his own pocket and only send XXXX. So all together I sent XXXX then called and told me that I had to send XXXX more and I told him that I would not be sending anymore money and that I wanted to cancel and get my money back he told me that I would not see any of money because I had to pay, I told him that I would be reporting this and he told me he promise me I wont see a XXXX of my money
Product: Debt collection

I am writing to express my dissatisfaction with your recent attempt to collect a debt from me, account number XXXX regarding my purported overdue balance of {$250.00} allegedly owed to XXXX XXXX XXXX. The following account XXXX ( Account Number : XXXX Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/year>. XXXX {$250.00}. I have never had an account with none of these companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX XXXX and I do not have any contract with XXXX. 
This account is fraudulent and does not belong to me, I have attached an FTC report along with this document. I am requesting the following XXXX. XXXX XXXX of reporting this alleged debt to any XXXX XXXX XXXX XXXX. A formal apology from XXXX for the violation of my rights under the FDCPA. XXXX for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. XXXX of any legal fees incurred in addressing this matter. 
( Please See Attachments )
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10.XXXX XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX XXXX
Product: Debt collection

I received a voicemail on Friday, XX/XX/XXXX which states, " We have an important message from the XXXX XXXX XXXX. This is a call from a debt collector. Please call XXXX. '' I left a voicemail later that day. When I wasn't contacted, I left another voicemail on Wednesday, XX/XX/XXXX following up and asked someone to return my call. I've received no written verification of the debt ( or anything from them, for that matter ) and they haven't returned my voicemails. I thought this was all very odd as I pulled my credit reports and didn't see anything awry. I XX/XX/XXXXthem and unfortunately it looks like XXXX people have had this same experience of being contacted by them and not being contacted back.
Product: Credit reporting or other personal consumer reports

To Whom It May concern : There have been multiple disputes forwarded to the following Credit Bureaus on a specific item on my Credit File ( s ) Equifax XXXX XXXX There has been several attempts made to correct these matters. But every time a response is returned by the Credit Bureaus one or the other will send out a letter sent back from them stating it does not look as if the written communication is coming from me. This is a tactic that is in violation of my rights. And i need something done about it.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX, XXXX and Transunion in XXXXXXXX XXXX XXXX regarding information reporting on my credit report that I can not identify as being mine. They stated I needed to file an Identity theft report regarding the inaccuracy of my report. On XXXX XXXX XXXX  I mailed off Certified documents such as my FTC.Report, drivers License, social security card, proof of residency, a notarized affidavit report and a personal letter supporting the fraudulent Activity. They responded after the 30 days allotted time and said I needed my supporting information for my identity theft. I have filed yet another identity theft report as well as an XXXX Breach Report that supports my information has been compromised and I do not know of the accounts or inquiries reporting. These are the COMPANIES AND ACCOUNT NUMBERS and inquiries as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

On XX/XX/2023, I received a email from my schools email stating that there was an approved job offer. I applied for the job thinking it was legit. The person emailed me back with information regarding the job. He stated that he works with a charity amoungst a lot of other stuff. He sends a check to my house and tells me to cash it then says I have to send the money to a lady. I didnt think anything of it because it came from my schools email. Next day I look up I am {$2400.00} in debt and I have been contacting the man but he has blocked me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I contacted Experian to dispute a address of ( XXXX XXXX XXXX XXXX, IL XXXX ) not belonging to me. 

XX/XX/2023 I contacted Experian to dispute my name XXXX XXXX being displayed as ( AKA ) XX/XX/2023 I was sent a email alert about my dispute XX/XX/2023 I log into my Experian account to notice that the address of ( XXXX XXXX XXXX, IL XXXX was removed. But ( XXXX XXXX XXXX XXXX, IL XXXX was added. 
XX/XX/2023 the ( XXXX XXXX XXXX XXXX, IL XXXX ) wasn't on my report. This was added by Experian. 
XX/XX/2023 Experian added ( XXXX  XXXX ) to my report stating this is my ( AKA ) XX/XX/2023 This wasn't on my report. This was added by Experian.