23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I just discovered that there is a medical collection being reported to my credit by Trans National Corp, since the beginning of 2017. It 's for {$160.00} from   XXXX   XXXX   XXXX  , which I had to look up to discover is an  XXXX . I   XXXX   XXXX   last year and I assume this is from that.
Except I am fully insured, so there should be no outstanding debts. In fact, they told me to bring in {$2500.00} to cover my deductible and coinsurance, and I did. I was under the impression that I was paid in full, and never getting a bill certainly did n't do anything to dissuade that assumption. Had I received a bill, I 'd have taken care of this before it ended up as the ONLY negative mark on my otherwise  XXXX  credit report.
I also never got any notice of collection from Trans National so, again, I had no chance to get to the bottom of this error before seeing it on my report.
I 've disputed it with  XXXX  ( it 's only on   XXXX   ) and it came back as verified, so I assume they did n't actually do any real verification or it would have been deleted. Additionally, it is n't reporting as disputed, which I 'm told it has to be when you dispute something.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTING XXXX XXXX XXXX XXXX ALSO KNOWN AS XXXX XXXX XXXX XXXX REPORTING Name- XXXX XXXX DOB- XX/XX/XXXX Address- XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX DC XXXX SSN last 4 XXXX Account number XXXX I, XXXX XXXX, hereby officially disputing XXXX XXXX XXXX also known as XXXX XXXX XXXX reporting to credit agencies as untrue. 

I am asserting that the reporting of late payment from XXXX XXXX XXXX also known as XXXX XXXX XXXX is false or untrue. 

I have attached documents showing an up to date payments from XXXX XXXX XXXX also known as XXXX XXXX XXXX .Reporting false info to credit agency amidst pandemic hardship is cruel and illegal business practices. 

I therefore employ you to investigate and adjust my credit report. 

Thanks XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Student loan

I have submitted my recertification for the XXXX XXXX XXXX plan. This was accomplished by submitting the application as well as my tax return. 

Yesterday, I received the following e-mail : " We received your request for an Income-Driven Repayment ( IDR ) plan. Unfortunately, we are unable to process your form at this time because your request was not complete. You still need to provide complete income documentation. 

Please follow up on this request to take advantage of this repayment option. IDR plans are a great way to reduce your monthly payment amount because they take your income and family size into consideration! 

The easiest way for us to continue processing your request is if you upload your income documentation to us directly at XXXX. If you prefer to mail or fax your documentation, it is helpful if you also include the enclosed form. This will allow us to direct your request to the correct department for processing. 

You must supply alternative documentation of income if you did n't file a federal income tax return within the last XXXX years or if the XXXX XXXX XXXX ( XXXX ) on your tax return does not reasonably reflect your current financial situation, for example, if you had a decrease in income or you are no longer employed. Any of the below are acceptable proof of income as long as they are less than XXXX days old. 

Pay stubs : Make sure you write the frequency of pay ( weekly, every other week, etc. ) if it is n't clearly stated. 
Certified letter or statement from your employer Proof of self-employment Please do not send in your year-end IRS Form XXXX. These typically are not less than XXXX days old. Therefore, they usually ca n't be used to calculate your income. '' This is a totally outrageous failure to comprehend the basic nature of the documents submitted. The federal income tax form is MORE THAN ENOUGH to show what my household income is. There has been no change in my status. 

This is now the fifth time this year that FedLoan Servicing has botched a simple request. I 'm perplexed as to how they are allowed to continue.
Product: Checking or savings account

I was a customer of former XXXX. I have a personal checking account with them. XXXX sold its US business to Citizens Bank. In XX/XX/XXXX my XXXX checking account became Citizens Bank checking. Since then Citizens Bank has charged various fees without the appropriate disclosure. In XXXX I have no monthly fee as long as I maintained a certain amount of balance. Citizens Bank 's opening email said nothing is changed, but charged me {$9.00} monthly fee and {$3.00} statement fee. This is predatory behavior that probably made an unfair profit for the bank. I called Citizens bank and told them I wanted to close my account due to excessive and predatory fees in XX/XX/XXXX, and they used various barriers to stop me from closing my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$190.00} XXXX. CHILD SUPPORT ENFORC Account Number : XXXX Date : XX/XX/XXXX Amount : {$51000.00} Inquiries : XXXX XXXX XXXX : XX/XX/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
Product: Mortgage

The Specialized Loan Servicing ( SLS ) representative name XXXX is always upset and talks to me in a degrading manner on each occurrence to discuss my account. She seems disoriented, leaves me on hold for 20mins or more, and provides wrong information regarding my account status. Under a payment arrangement, I have complied with the agreement and made six successful payments on-time. SLS has REFUSED to restructure/modify the loan. I am told, " there is nothing available for your loan at this time. '' Instead, SLS has implemented restrictive payment arrangement where I have to call in each month for payment. I can NOT send a check, money order, XXXX XXXX, or cashier check. I can NOT use XXXX online bill pay. The only way to make a monthly payment is by calling XXXX to provide my XXXX XXXX XXXX ( XXXX  ) checking account and routing number. On XX/XX/2019, XXXX stated, I no longer need to call for payment. I can send a payment by check and delivered by US Mail each month. However, I have repeatedly asked to modify my loan and wrap the past due amount on the backend of the account. The request is standard practice in mortgage lending. XXXX stated SLS is not offering any restructure or modification at this time. I have an outstanding past due of {$25000.00} and I pay {$430.00} every month. None of the payments go towards the past due amount. Instead, fees are applied to the principle and interest. However, the past due amount is accruing interest daily and has a balance of {$29000.00}. XXXX stated I have to continue making payments of {$430.00} each month until the past due is {$0.00}. How? The payment structure is controlled by SLS and applied to the principle. SLS is a PREDATORY lending company. They train staff to attack consumers over the phone to introduced fear and refuses to work with them. I have to REPORT these unfair practices and possibly breaking the law. I have a security clearance, and this matter must be resolved immediately, or there's a possible chance I will lose my clearance.
Product: Vehicle loan or lease

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.
Product: Checking or savings account

This is how XXXX and XXXX XXXX ( M & T ) treats customers. 
On XXXX I mobile deposited a check into my account. After a MOMENT of thought, I called the Fraud Department and told them I thought the check was part of a scam. I asked the gentleman I spoke with if this would affect my account, he said no. Later that day my account was placed on a hold. 
I never tried spend any of the check, it was not even available in my account til the next day. The check was found to be no good and none of it was put in my account. 
I am in my XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had just paid several bills, the rest of my bills are automatically taken from this account. This hold stopped everything from being paid. I used my credit card to keep my car insurance from being canceled and to buy necessities for the past 15 days. 
Today my XXXX XXXX check was deposited into my account and I cant even use it. I have made three trips to my branch, and countless phone calls to customer service. I even called the fraud department. 
The only answer I get is we cant do anything until the fraud department is done with the investigation. 
I dont understand why my funds cant be used. This is my money and has nothing to do with the bad check. 
Please help me get my money back from the bank. Im so stressed out and all my creditors need their money.
Product: Payday loan, title loan, or personal loan

They saying I have two account not paid off but those two account were fraudulent and they weren't able to prove or verify account those account are a result of identify theft and has been brought to the company attention multiple times
Product: Checking or savings account

I became a widow and my husband did the financial transactions. This is the first time I had to handle them. I moved to XXXX  state and opened up a Keybank Account. My son moved me to XXXX  so I called my Keybank account to be closed as there is no Keybank in XXXX After Many months of inactivity on the account a charge was made to my checking account XX/XX/2023 of XXXX. I called the collections to find out about it. They said call Keybank and Keybank said it was a charge from XXXX. I called XXXX and they said I never made a purchase for that amount on that date. I called the collection agency back and they spoke with fraud and since it was 60 days past they would not help resolve that. I thought my account was closed because I called Keybank to collect on the awards that I accumulated. The response was your account is closed so you can not collect on those rewards. I was getting monthly statements and they said XXXX balance every time so I stopped checking the statements that came in. Then I got that collection letter. I would like that collections to be paid since account should have been closed and I did not make that charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, State of Michigan Child Support acct # XXXX, State of Michigan Child Support acct # XXXX, XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX  acct # XXXX, has violated my rights.
Product: Credit card

I made a payment on my account on the due date of the XXXX after multiple log in attempts same day. The bank credited the payment to my account the next day and charged a fee. I don't think this is fair and a matter of principle to charge this amount as I paid as expected and also they had issues on their end.
Product: Credit card or prepaid card

I purchased a service from XXXX XXXX XXXX, couple of months ago I was notified that the company is insolvent due to Administration ( similar to Bankruptcy in the US ) and it can not provide a refund. I contacted my credit card provider that I am claiming a chargeback/ refund as the Company is insolvent ( being in Administration ), the card company issued a conditional credit to my account last month. Today, I received letters from my credit card company regarding the billing dispute I asked for on my card. They are concluded their investigation that they can't assist me getting a refund. I contacted XXXX XXXX XXXX and they advise me to submit a complain as I am well protected and under the Fair Credit Billing Act, and that I have a legal right to dispute charges on my credit card for goods or services I didn't receive Services not rendered.
Product: Credit reporting or other personal consumer reports

I have pulled my credit report and noticed that there are inaccuracies regarding the information that Equifax is allowing to be reported. I have recently contacted the company by phone and mail to update my personal information and they have failed to do so. 


The items that need to be corrected are my name, address, date of birth and employer. 

Also, there is a closed XXXX account that they have yet to validate and I have asked multiple times, via mail, for this account to be validated and proven to be an actual account that should be reported on my profile. My requests have gone unanswered for over a year. This is a charged-off account, but yet they keep reporting it monthly as if it is also an active account. I need more information regarding this debt and its validity.

There are also 2 US Department of Education accounts that are being reported as collection accounts between XX/XX/XXXX through XX/XX/XXXX. 

US Dept EDXXXX These accounts are being reported as late and should not be due to the Covid-19 C.A.R.E.S. Act which provided student loan forbearance during the pandemic.

These two accounts are negatively impacting my credit score, and should not be reported as late due to the federal law that was passed providing relief for student loan payments during the pandemic.
Product: Student loan

My original loan was XXXX, over the past 30 years I've paid back XXXX and I still owe XXXX as of XX/XX/2022, over the past years I received phone calls from my servicer Sallie Mae and Navient in regards to forbearance and other offers to pay interst only amounts and also putting the interest and penalties on the back of the loan. Please help, thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax was breached by unknown parties and my credit information - SSN, addresses, DOB - was leaked. I was only made aware of this on XX/XX/XXXX when media outlets began to report the breach. Despite having had more than a month to communicate or attempt to provide some sort of remediation, they have done nothing. Furthermore, the tool used to check whether or not my data was stolen only suggested that I return in a week to sign up for indentity protection services. This is an unacceptable state of affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX  : {$260000.00}
Product: Credit reporting or other personal consumer reports

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


FRAUDULENT ACCOUNTS : Account Name : 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  UNAUTHORIZED INQUIRIES : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX  XXXX XXXX  XXXX, XXXX XXXX  XXXX, Chapter 7 Bankruptcy Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In both XX/XX/2018 and XX/XX/2018 a late payment was reported. It was an exceptionally busy time but the payment for this month was submitted a few days before the 30-day exception. ( See attached documentation ). As a small business owner, it is imperative that I maintain a flawless credit history as it could jeopardize my livelihood and more importantly the livelihood of my employees should I not be able to gain necessary funding for my business when the time arises due to a late payment destroying my credit rating. I fully respect the obligations I made to BMW Financial as with all the creditors who extend me financing opportunities and I have worked my entire adult life maintaining a great relationship with my creditors and I intend to maintain a great relationship with BMW Financial as I am in the market for a new car. A brief look at my account will reveal I have successfully made every payment up to and beyond the reported XX/XX/XXXX and XX/XX/XXXX timeframe which I can prove is in error ( See attached highlighted documents ).

I understand that the monthly billing cycle is a 30 day billing cycle as described in/by the federal Fair Credit Reporting Act ( FCRA ) my loan is financed on such a cycle that runs from the XX/XX/XXXX to the XXXX of each month, with that being said my payments were made within the limit of the following due date before the XXXX of the each of the reported late months as shown in the attached statements. Under the FCBA, a creditor must credit all payments to my account on the date they're received, unless no extra charges would result if they failed to do so. I understand that BMW Financial is permitted to set reasonable rules for making and reporting payments, like your rule that the deadline for payment should be received to be credited on the same date no later than XXXX XXXX. on the due date. My payments were made on the day before and before the XXXX window. 
Again, the reported late in XX/XX/XXXX and XX/XX/XXXX payment are negatively affecting my chances of obtaining much needed lines of credit and business banking opportunities that are vital to the success of me as an individual and my company. As you know, my personal FICO score is used in the decision-making process of all business bankings go/ no go decisions to fund and my FICO score has drop over 45 points due to the late payment reported in XX/XX/XXXX and XX/XX/XXXX which pushes me out to tolerated range of lender preference. 
I am requesting that you please the reporting error and restore my credit rating by revising the late payment as reported on my three major credit bureau files ( XXXX, XXXX, and XXXX ). I sincerely hope BMW Financial Services believes in their customers and I humbly request the correction be made. I have reestablished automatic payments so there is no doubt in payment dates. I appreciate your time and look forward to receiving a favorable decision from your department soon.
Product: Credit card or prepaid card

On XXXX XXXX 2020, XX/XX/XXXX closed down all 5 accounts I have with them without notification. I received a letter from them with the reason of closing down the accounts. The reason is high risk of failure to pay with no credit agency reported as part of the decision. All accounts with XX/XX/XXXX were in good standing and never late paid. XXXX XXXX limit XXXX with Balance of XXXX, XX/XX/XXXX limit of XXXX with balance of XXXX, XX/XX/XXXX limit XXXX with balance of XXXX, XXXX limit XXXX with balance of XXXX, XXXX limit XXXX with balance of XXXX. All said account are been paid accordingly. When these accounts were closed, it hurt my credit by -38 points. I tried to get a clarification from the grantor but none was ready to give me a good reason for closure of these accounts.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX was wired to a company called XXXX XXXX  for services. On XX/XX/XXXX another XXXX was wired to this company for services. All funds where wired from Wells Fargo. Once I realized that the company was fraudulent and I was scammed, I contacted the bank and was told there was nothing they could do. Type this company name in on XXXX and you will see lawsuits due to fraud.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint to notify you that I have been a victim of fraudulent activity. In my research on removing fraudulent items from my credit report, I discovered that I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. According to FCRA section 605b, Credit Reporting Agencies are required to remove any items listed on an identity theft report, referencing number XXXX. The attached documents should help in removing the erroneous personal information and inquiries on my report. The unauthorized items are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> XXXX XXXXXX/XX/year> -- -- -- -- -- EQUIFAX : XXXX XX/XX/year>. According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from identity theft within 4 business days of receipt.