23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied on XXXX XXXX, XXXX to switch my repayment plan from XXXX to the new XXXX student loan repayment program. It is now XXXX XXXX, XXXX and they still have not completed the processing of my application. They have told me that so many people have applied to this program all at the same time, that it is causing them difficulty in processing applications in a timely manner. Apparently they are unable to service student loans in a fair and equitable manner. This delay resulting from their inability to accommodate the new laws creating a new repayment program is creating a hardship on me, as it is lengthening the amount of time I remain in debt and delays my final repayment date back as many months as they are unable to get me into the new repayment plan. I am also enrolled in the XXXX XXXX XXXX XXXX Program, so the " clock '' on my maximum 10-year repayment time span has essentially stopped, and now my final payment will be delayed by however many months that MY FED LOAN has been unable to completely process my application. In other words, my final payment ( # XXXX on time payment ) date will be delayed at least 5 months, and that is IF they can get me on the new repayment plan in XXXX XXXX, which seems doubtful given their track record of being unable to handle servicing student loans properly. If My Fed Loan is so ambitious to " service '' student loans, then they should be prepared to handle the influx when new laws create new repayment programs/plans. XXXX or 6 months delay may not seem like a lot of time given the 120 month repayment program of the XXXX XXXX XXXX XXXX, but I have been in the XXXX for 18 years ( repaying my student loans ) and I ca n't believe that the XXXX is not retroactive. Thank you for your time.
Product: Money transfer, virtual currency, or money service

A message from a company impersonating Bank of America saying my transfer of money ( i didnt transfer money ) was rejected. Also I don't have have a Bank of America account. 

The email sending the message was : XXXX they provided a " customer support '' phone number to call : XXXX " for more details ''
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Reporting on Credit Report Dear Sir/Madam, I am writing to formally dispute the inclusion of a collection account on my credit report, as reported by NCB Management Services , Inc . Despite the account being settled, it continues to negatively impact my creditworthiness. I believe this reporting is inaccurate and unjust, and I request that it be removed immediately from my credit report. 

I assert my rights under several consumer protection laws, which mandate fair and accurate reporting by collection agencies. Specifically, XXXX XXXX XXXX has failed to comply with the following regulations : 12 CFR 1006.34 ( b ) ( 5 ) : Failure to Provide Validation Information The collection agency has not provided adequate validation information, as required by this regulation. Despite multiple requests, they have failed to furnish the necessary documentation to validate the debt, which is a clear violation of my rights as a consumer. 
12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Denial of Dispute Opportunity I have not been given a reasonable opportunity to dispute the account. According to this regulation, consumers are entitled to dispute the accuracy of information on their credit reports. However, XXXX XXXX XXXX has disregarded this right by refusing to engage in a meaningful dispute process. 
12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : Violation of Consumer Rights The collection agency is engaging in false, misleading, and deceptive practices by continuing to report an inaccurate and settled debt. This behavior not only violates regulatory standards but also undermines consumer trust and confidence in the credit reporting system. 
Given the blatant disregard for consumer rights and regulatory obligations by XXXX XXXX XXXX, I am requesting immediate action to rectify this situation. I urge you to investigate this matter thoroughly and ensure that the inaccurate reporting is corrected without further delay. 

Please find enclosed copies of relevant documents, including proof of payment and correspondence with XXXX XXXX XXXX. I kindly request that you review these materials as part of your investigation. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you require any further information, please do not hesitate to contact me at the provided contact information. 

Thank you for your assistance in this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a home ( V A Housing certificate ( no money down ) in XX/XX/2018. My payments were auto pay for mortgage company to get the payments. After four or five payments Lakeview began to take another payment the third week of the same month. I did call them and they could not say why the second payment was taken. So I made them put it back. After going through this several times I had to close my bank account.. My bank opened a new account and they are making my payments for me.. Lakeview put lies on my credit report stating my payments are late and I missed payments too .I reported them and the lies were removed from my report. I tried to reduce the interest rate on the loan again this year.. Lakeview lies are back on my credit report AGAIN! They told me they are going to leave the lies on my credit report. How can I stop this? My interest rate is 5.2 %. This is against the law to lie on me just to keep the account. My bank statements show my payments are on time, and paid in full.by my bank every month. I am being lied on and blocked by Lakeview Loancare Servicing, LLC..
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital One because all three credit bureaus, XXXX, XXXX  and XXXX  deleted the Capital One account. I received an alert today. When I spoke to the bureaus informing them that they deleted the creditor which I paid the account to a XXXX balance, which by deleting the account it decreased my credit score. The 3 bureaus indicated that Capital One deleted the account and they are the ones who have to reinsert the account back to the 3 bureaus. I had previously discussed this issue with Capital One because the account was showing deleted from XXXX, I received an alert about the deletion. Well, instead of reinserting the paid credit card account, it was deleted from all 3 credit bureaus. I called Capital One today XX/XX/20 after speaking with the bureaus and explained to the representative that according to the 3 bureaus that they, Capital One had deleted the account from the bureaus and they stated that Capital 1 had to reinsert. She didnt comprehend what I was stating, therefore I requested to speak with a supervisor. She connected me to an individual by the name of XXXX, who was extremely rude and unprofessional and he did not have a clue whatsoever in regards to what he was talking about. Hes telling me that the account was deleted from the credit reports because of Corvid 19. I stated to him, that had nothing to do with my account. I paid the account months before the Coronavirus and the account reflected a XXXX  balance. I tried to explain to him that the only thing could have possibly been inserted on the credit reports in general was that it was perhaps a notation of a major disaster, and not reporting late payments for 90 days. I tried to tell him that isnt what was going on in my case. I tried to tell him the account was paid out before the coronavirus and there was no need for my account to be deleted and he again said that is why it was deleted. This XXXX character, from XXXX, FL, kept cutting me off, telling me to wait, informing me I dont know what Im talking about, when I was merely trying to explain what transpired. I got upset and raised my voice and informed him, he was no help, extremely unprofessional, hes extremely rude, clueless and I would like to speak to someone else. He refused & nastily said, he could not help me. He needs to be terminated.
Product: Credit reporting or other personal consumer reports

Resurgent receivables llc is in violation of the law I seen various threatening emails My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} XXXX Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presur that no proof of the allege debt, nor therefore any such debt, in fact therefore exists
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I called Wells Fargo to do a balance transfer to two of my XXXX credit card accounts. One transfer was completed successfully for {$3500.00} to my XXXX XXXX account. The second transfer of {$3000.00} was sent to the wrong account. The last XXXX numbers were transposed backwards from the previous. Whether the Wells Fargo employee entered them backwards or I gave them to him backwards, the result was the same. Another account holder has my money. People do make mistakes. I am not sure it was really recorded, but I do know WF has not done anything to get my money back. I am now paying on the the {$3000.00} on my WF account and the same on my XXXX credit card. Now this is totaling {$6000.00}. I found out on XX/XX/XXXX that indeed my money went to the wrong account by WF and that they were going to request a reverse transfer. I spoke to XXXX first who informed me no transfer had occurred. Case was opened and closed. No money returned. Paperwork via email on XX/XX/XXXX saying my concerns received. XX/XX/XXXX email not legible. Multiple phone calls without any progress. On XX/XX/XXXX spoke to WF XXXX case closed and now reopened. Case # XXXX. On XX/XX/XXXX called WF again XXXX, no notes, then to XXXX which said it could take up to 90 days. XX/XX/XXXX call from XXXX to say decision to be made by XXXX closed again without any action. XX/XX/XXXX XXXX was notified and two supervisors XXXX and XXXX verified there had not been ANY communication from WF regarding this matter. XXXX informed me that she indeed could see the transfer which posted on XXXX to someone elses account. She said she could not do anything about it unfortunately because the transfer came from another bank. Immediately I called WF on the # that was on the letter and spoke with XXXX who couldnt see any notes then transferred me to customer service XXXX the to XXXX gave her my last case # which had been closed # XXXX. Transferred to XXXX who knew nothing and tried to get another supervisor XXXX which was u successful. Another case # from more email XXXX. I filed a report with the XXXX. On XXXX I received a call from XXXX informing XXXX that XXXX had received my complaint from the XXXX  and I would get an answer by XXXX. Had I looked to see they had an F rating from the XXXX  I would not have used them. Next stop is the Federal Trade Commission and legal counsel. WF has failed the consumer once again! Thank you in advance for any help you can give.
Product: Debt collection

BBVA USA has been harassing me with phone calls regarding my personal loan. The calls come from XXXX. I answered one of these calls on Tuesday XXXX, advised I will be able to rectify the issue on XX/XX/XXXX when I get paid and asked for the calls to cease. That was at XXXX PST. On XXXX I received three calls between XXXX and XXXX PST while in the middle of a medical virtual appointment. I received an additional call the afternoon of XXXX at XXXX PST. On XX/XX/XXXX I received a call at XXXX PST, XXXX PST, and XXXX PST. In the XXXX PST call I spoke with someone named XXXX who stated I was still receiving calls due to not setting up a payment arrangement despite having stated on XXXX that I will resolve the issue on XX/XX/XXXX. This is abusive and harassing, and interfering with my sleep and my work.
Product: Credit reporting or other personal consumer reports

account number XXXXXXXX XXXX XXXX XXXX XXXX out thru XXXX XXXX in XXXX ga. Car was then stolen taken to XXXX. Reported it stolen thru business insurance. XXXX XXXX and gap then agreed to make payment on the car and write it for total loss. But ima get more details from XXXX bc she handled everything with her cousin who has the business Document attached with all supporting information!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to formally dispute the fraudulent inquiries listed on my credit report. Despite my attempts to have them removed over the months, these inquiries still appear on my credit file. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I respectfully request that the following inquiries be immediately removed from my credit file : 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. I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Since it has now been over a month since I began disputing these inquiries, I expect immediate action to be taken.
Product: Bank account or service

Dear Sir/Madam, I recently incurred multiple overdraft fees from PNC bank and it was clearly manipulated such that all checks " batched '' on the same day were ordered from " highest amount '' to " lowest amount '' in order to purposefully " cause '' multiple overdrafts. We 're looking to switch to another bank ... have been a loyal customer for XXXX years but this is extraordinarily unethical ... it borders on sinister and devious. Did I mess up? Absolutely. But had they ordered the checks lowest to highest, the overdraft WOULD NOT have been triggered until the very last check. Instead, I have XXXX or XXXX overdrafts as the largest check was intentionally processed first. Extremely angry in XXXX, MD. It may be legal, but it does n't make it right. Thanks for listening.
Product: Credit reporting

Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a XXXX XXXX person and has put my life in serious jeopardy. I filed a complaint with my BBB and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me. 
Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. 
Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX XXXX Credit XXXX debt. It is being reported as settled. This company has not provided for me validation of the debt and the CRA 's have continued to report this information on my credit file without the furnisher of the information validating it 's authenticity that I, XXXX XXXX owes any debt.
Product: Debt collection

On XX/XX/18, I received a collection notice from Sunrise Credit Services Inc. stating that they are attempting to collect a debt owed to XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX around XXXX XXXX and they stated that I have no outstanding balance that would have been referred to collections.I called the collections agency and they refused to provide any information on the debt other than saying it was from XXXX XXXX XXXX XXXX. The representative that I spoke to refused to provide their name, refused to allow me to speak to a supervisor, and refused to allow me to dispute the debt. The creditor account number referred to on the collections notice is not the same as my account number with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting in response to your recent investigation. I disagree with your findings and request complete accuracy. I am not convinced that sufficient effort was made to contact the creditors/agencies reporting this information on my report. Therefore, I am now requesting more information regarding the specific accounts in question : XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$32000.00}. As stated previously, under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update these disputed accounts. Please provide me with the names and addresses of the individuals or entities you contacted. According to 15 U.S.C. Section 1681i ( 5 ) ( A ), you have fifteen ( 15 ) days from the receipt of this letter to complete these actions unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the accounts must be promptly updated as per Section 1681i ( a ).
Product: Credit card

Summary My wallet was stolen on XX/XX/year>. In addition to my drivers license, medical cards and cash, the wallet contained XXXX credit cards, and XXXX was my XXXX XXXX XXXX card issued by Citibank. The thieves charged {$3500.00} to XXXX XXXX in XXXX XXXX within minutes of stealing my wallet. 

I reported the theft to Citibank in less than an hour after realizing that the charge had been made. See timeline below for details. Citibank is now holding me liable for the entire charge, even though by law I reported the theft in a timely manner and should not be held liable. 

On XX/XX/year> I spoke to XXXX different employees at Citibank. All three of them ignored me when I brought up the fact that I am protected by the law. Your company is breaking federal law by not following consumer protection laws. 

Instead of treating me as a loyal customer, Citibank is treating me as if I am the criminal. Please review my records and you will see that I always pay my balance in full each month and have been doing so for years. 


See attached timeline for details Also attached : police report, police email, letter from Citibank informing that charge was reinstated due to " a billing delay ''
Product: Credit reporting or other personal consumer reports

I took out an auto loan in XXXXXXXX XXXX XXXX, The loan is showing up on other reports as 100 % paid and for id verification, which verifies it is part of public record. The lending company has submitted my documents 3 times to the reporting agencies, with my payment updates but I have yet to see the loan reflected on my reports. I have now paid off my loan and still no reflection on my reports. Experian, XXXX, XXXX credit agency is under fire for not reporting the report May u please investigate this problem & take matters of making sure this reports please thanks. I have uploaded all the files. By law you must have this report reported on my records. I will include documents showing the account has been paid in full since last XXXX XX/XX/2022 & still not reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Reported XX/XX/XXXX 111 % Balance : {$7200.00} / {$6500.00} inquires are not mine none XXXX XXXX XXXX  Reported XX/XX/XXXX 64 % Balance : {$6300.00} / {$10000.00} inquiry details XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I had a credit card opened fraudulently in XX/XX/XXXX. I called the company to inquire on this and report that it had been the result of identity theft. As a result, they closed the card XX/XX/2019. Unfortunately, they are still reporting a balance and, even though the account is closed, say I'm missing payments and dinging my credit report. I've tried making payments just so it doesn't report as late and ding my score, but they still keep reporting it.
Product: Debt collection

Financial Assistance Inc. Account # XXXX. This company is Reporting on my credit report that I owe them {$10.00}, XXXX on XX/XX/XXXX. I do not owe this amount they are speaking of. They are connected with another company called XXXX XXXX XXXX Account # XXXX. They are reporting that I owe them {$7100.00} on XX/XX/XXXX. 

These two companies need to be thoroughly reinvestigated from top to bottom. They have ruined my credit dramatically and are trying to scam there way in through making me pay these false balances. Please help me remove these negative items from my credit report and from my life. 

Thank you
Product: Debt collection

I am receiving conti8nuous phone calls from a company trying to coolloect a debt from XXXX which I do not believe is mine. I have repeatedly informed them it is not mine and continue to get phone calls threatening to taike legal action, sue me, or have me arrested. They have also reported it to my credit under ABR Recovery Services as a collection account being opened in XXXX, resultng i8n a drop in my crdit score and other creditors reducng my credit lines. I have disputed ths on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recognize your help to remove a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Bankruptcy Reference # XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXXXXXX Balance XXXX {$24000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX