23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account : XXXX. BANK XXXX XXXX ACCOUNT # XXXX XXXX. XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX BANK # XXXX XXXX. XXXX OF XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  # XXXX XXXX. XXXX # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Equifax Bureau On XX/XX/2021 I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that Equifax has on file ; and on XX/XX/2021 I sent Equifax a demand to comply with my initial notice dated XX/XX/2021. As of today I have not received the proof I requested. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Their failure to positively verify the accounts mentioned in my XX/XX/2021 609 notice has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I have no idea why. I checked my report like I always do, but this time, there were unexpected discrepancies. I even refreshed the browser, thinking it might be a glitch, but the unauthorized inquiries remained. Im asking for the documents Ive sent to be thoroughly reviewed, so this issue can finally be put to rest, and I can stop worrying about it.
Product: Debt collection

I never received a notice of right to dispute this collection account I am not sure what this is for. I have sent a letter to the company disputing the collection account found on my credit report.
Product: Student loan

AES services two of my student loans. I am currently struggling to pay these due to over $ XXXX in federal and private student loan payments per month and had a very difficult time dealing with AES. I have a few issues that need to be addressed and currently AES has not responded to my inquiries through the website in months. 

1 ) I have made multiple request to AES customer service through their website ( via their online email ) but have not received a response in months. I have taken a screenshot of the most recent dates requested and is attached. None of these, to my knowledge have been responded to as shown by my AES paperless inbox. AES does have another message site but they delete the message after a week and we as customers do not have access to these. I have not received a response through this means either. I also think using this temporary message system is suspicious as customers are unable to view message history to accurately document communication with this company that is clearly taking advantage of consumers. Recent dates that help was requested through the site but NO RESPONSE WAS PROVIDED include : XXXX, XXXX, XXXX, XXXX ( there are others but I may have deleted the confirmation of submission email ). 

2 ) I have requested assistance from AES for help in lowering the monthly payment amount in the past but they offered no help. In XXXX of XXXX I asked if the company could contact the lender ( currently NCT but not the original lender ). They said they sent a letter to NCT but I have never been given proof of that request nor have they indicated whether a response was provided as there is no follow up. I wanted to send my own request as I presume the lender would prefer that a customer is paying but AES has not provided the appropriate contact information and suggest they should be the primary point of contact despite the fact that AES has not responded to my multiple requests. Since my credit is poor ( due to these high payments ) I am unable to refinance and am stuck dealing with this terrible company ( AES ). 

3 ) NCT was not my original lender and I am unsure if the balance or the loan is truly their as no documentation was provided and recent lawsuits suggest many loans during the time I received one, were mishandled. I have requested chain of custody documents from AES for the NCT loans but AES says they do not have to provide them and it is not their duty. When I request NCTs contact information, AES does not provide the information. I should have the proper information to know if my loans were handled correctly and are the correct amounts from the lender. AES has not helped in this matter at all. 

All in all this company is truly terrible and they make no attempt at helping the customer. I have not had these issues with other student loan services as they are more willing to assist their customers. AES should be investigated for their practices.
Product: Debt collection

The company Helvey & Associates Inc is reporting negative information illegally, unjustifiably, and refuses to acknowledge or respond to my request for retraction of their negative credit reporting. I have notified them initially by telephone, that a utility bill for property address XXXX XXXX XXXX XXXX, Florida must be removed from my credit report for there failure to properly notify me of this debt as required by both state and federal fair debt collection practices acts. It has been established by both myself and there customer service representatives that they sent the original dunning notice to the same service address that they provided the service too, at this property that I never lived in since it was a short term ownership for investment purposes. Since I did not receive the proper notification of this account being delinquent, this account ended up on my credit report without meeting the requirements under law for credit reporting. I followed up with them notifying them of this situation in writing on XX/XX/2019 ( Exhibit 1 attached ) - a correspondence to which I have yet to receive an acknowledgement or response from Helvey and Associates. This situation is extremely frustrating as I am being penalized on my credit report for an unfair, unjustified collection that I was never given the proper notification as mandated in FDCPA laws. This error, and Helvey Associates refusal to correct there mistake is causing me significant financial, emotional, and psychological damages due to my credit score dropping significantly- and not allowing me to refinance my investment properties or acquire new ones at the best terms I would be getting. These damages are in the tens of thousands of dollars and I will be pursuing a legal claim for them if this situation is not rectified immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone elses last name keeps popping up on my credit report and bank account, dont know why or what is happening! 
It shows my first name with another last name and my name listed as XXXX
Product: Credit card

I clicked on the credit card offer received via email from Capital One that offered {$750.00} cash bonus after spending {$6000.00} and get 1.5 % rewards points. 

Today, when I called to get the last day to meet {$6000.00} spending, I was told that the credit card that I've been using is not the one that I applied for. The customer support told me that there was a counter offer and I accepted it. I don't recall any of that. There should be emails, but there isn't any, and they won't provide any proof of what they are claiming. I applied for Capital One Spark Business credit card, and that's exactly what it says on my card. They made several different colors of these cards and call all of them the same, " Capital One Spark Business ''. According to the customer support, what I have is " Classic '' and not " Select ''. I strongly feel that this practice is a bait-and-switch scam and designed and intended to confuse and deceive the consumers taking financial advantage of people. 

I requested all documents supporting their claims, and I was told by XXXX, senior account specialist, that they can't send those but will send me the agreement I signed. 

I signed up for paperless when I set up the mobile banking. Therefore, I am not getting any mails from them. The paperless opt-in, however, should have any and all correspondence, and there is absolutely nothing except the monthly statements and a document they sent me today upon my request. What they sent me is not the details I requested. 

All I received in the mail is the credit card and a letter stating the credit limit, the usual that you get with a new credit card. I've never once had any issues with Capital One until today. I did not need this card or credit line accept for the purpose of earning the {$750.00} bonus + 1.5 % cash rewards they offered.
Product: Mortgage

This issue is in regard to PHH mortgage services not releasing funds associated with a water loss at my home. I requested a home inspection on XXXX which was completed on XXXX. The results of this inspection should have posted 3 business days later on XXXX but have not posted as of XXXX. After 15 phone calls to the mortgage company I was contacted by another inspection company which completed the virtual inspection on XXXX. This is more than 30 days after the request ofr an inspection. During those 15 phone calls I was given any number of excuses and promises that were not kept. The promises included ; I'll call you you back with an answer by x time on X date ; I'll submitb a request to upper management to ..... 
fill in the blank because it never happened. 
The slower the company pays out funds the more they can control them for their own use such investment, etc. If I were late in paying my mortgage payment I would be contacted by the company, have an additional charge be added to my payment in the form of a late fee as well as having a negative comment on my credit report. 
This issue may be resolved within the next week but they have not proventhemselves capable of anything but delaying payment to me. They should also be subject to the same penalties that I would face with a late payment in the form of some type of monetary penalty. Without some form of monetary penalty these problems will just contimnue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax are reporting inaccurate information on my credit report. 

They have RE-AGED the date of last activity on my account, and in the FCRA lawbook under section 605 ( C ) running of the period it is a violation to re-age the date of last activity and it is a VIOLATION that I can sue them for up to {$1000.00} in fines. This week i am looking to take my credit reports to an FCRA attorney to start the process of seeking damages for EACH violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand why my credit score has dropped 13 points and nothing has changed from the last report date. I feel that this reporting system is taking advantage of consumers. There is no reason why my Transunion credit should have dropped 13 points. This system is unethical no morals what so ever. I need my 13 points back on my report immediately. Can  you please assist me thank you.
Product: Debt collection

My Son injured himself on XX/XX/XXXX and needed prompt medical care. I provide secondary insurance for him as dictated by XXXX. I live in XXXX. All of his medical bills were paid by the primary insurance as his Mother made sure the hospital had the all of the correct information ( she also works XXXX ). Anyway, approximately XX/XX/XXXX, my old insurance policy received a claim for {$140.00} which they promptly did n't approve as some XXXX months had elapsed. Fortunately, I had the occasion to speak to my Ex-Wife on this topic, so she called XXXX to which she was told there is a {$0.00} balance for all of his services- which exceeded $ XXXX when all complete. Approximately XXXX, Medical Data Systems reported to all XXXX credit agencies that I had an unpaid medical bill for {$140.00}. To that point in time, I had received nothing from anyone in reference to any claims OR monies due by me. I immediately called Medical Data Systems to which I was told " I owe them this money ''. I asked why have n't I even received an invoice, the response was " we sent many! ". I then asked can I get another copy of it emailed or faxed or something? " We have already sent you many '' .. " You owe us this money! ". I then asked How are they so certain that I do owe them this money- " We have a signed document, by you, stating you would pay anything if not covered by insurance '' .. At this point, I insisted I see something from them as I was n't even IN the state XXXX during this time- or the month before OR after the injury, their response was " We do n't send out this kind of sensitive information '' .. 
I then went through all XXXX credit agencies normal complaint forms and within an hour I received an undisputed report removal on my XXXX and XXXX reports. However, the XXXX report remained as I owed the unpaid medical bill. 
To this dateXXXX years and XXXX month post service- I continue to not have received anything from XXXX XXXX OR Medical data Systems. I did asked my Ex-Wife to check back with XXXX this past XXXX and XXXX confirmed {$0.00} are due to them AND they also had no idea of who XXXX XXXX even was- no mention of anything in the database of my name. 
XXXX more call to Medical Data Systems after hearing this news from her in late XXXX yielded the SAME results- but they were very happy to offer me of take my payment by credit card this time! I obviously declined their offer. I did asked for them to confirm my address- to which they countered with " its your obligation to provide to us your address since you owe us the money ''. If I truly owed this money- I would pay the money owed, BUT I do not and I can not get Medical Data Systems to prove to me that I do. The {$140.00} is not worth the headache of a credit ding- I cant help to feel as though they are just trying to rip me off here. 

Please help me on this? My cell phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have a lot of missing information in this account and also I do not have any affiliation to them. I want to these accounts be removed due to multiple reporting violations. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX 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: Debt collection

They reported on my credit without notifying me in writing 30 days prior to reporting.
Product: Credit card or prepaid card

Received 2 charges on my bill from rocket fuel. One was for XXXX which I did make. 
The other charge for XXXX which I DID NOT make. Charges were made on XX/XX/2022. I have contacted Barclay credit card and the answer came back to me was... I use that gas station ... .I said yes that is my gas station and I use them all the time. Plus I explained I did make the XXXX. I then wrote to executive office of Barclay and never received and answer back.
Product: Money transfer, virtual currency, or money service

Optum Bank uses XXXX XXXX for investing my XXXX. I attempted to move funds on XX/XX/XXXX6 back from the investment side to the Bank side, and the transfer did not go through, and I was unable to see the transaction afterwards. I submitted 2 additional transfers, and both of those did not go through either. About a week later, all 3 transactions went through, over withdrawing the XXXX account. When I asked for this to be corrected by sending back two transfers for {$3100.00} each, they debited the Optum side but never sent it back to XXXX, putting me in a negative balance in BOTH places. 

Approximately 1 month later, they have failed to correct this after many contact attempts. I simply got were working on it, however, I actually work at XXXX XXXX and it looks bad on me to have a negative balance at my employer, and I am unable to use my funds for health expenses either until this is resolved. 

This has been a nightmare, and they shouldve never processed transactions where funds were not available, and should be processing money requests in a timely fashion, as we had to pay for the birth of our son. They repeatedly told me inaccurate balances as reflected on Schwabs side, and their systems are obviously not capable of this basic requirement for this arrangement. 

They have failed to move the funds back to XXXX to satisfy the negative balance, and I need help before I get fired.
Product: Credit reporting, credit repair services, or other personal consumer reports

A potential employer made me aware that my credit report is showing charge off amounts for XXXX XXXX XXXX 1st Franklin corporation and XXXX XXXX. I've paid the loans I've previous had and have the proof that they were paid for the 1st 2 companies listed. I have no affiliation whatsoever with the third company. This error is showing on my report and is making it difficult to move forward with possible employment.
Product: Credit card or prepaid card

I called Credit card company at least three times over last three months to resolve the duplicate billing. Here are the content of the letter that I send today ( XX/XX/XXXX ). 

This is a follow-up in writing to dispute a charge of {$2000.00} to the credit account on XX/XX/XXXX, Account XXXX. ending in XXXX. Please note, I had disputed the charge when I first got the bill in XX/XX/XXXX from Synchrony by calling and stating that the charge is in error. I further explained that the amount appears to be billed twice on two separate credit cards, one under my name and the other on a joint account ( ending in XXXX ). Please note that the {$2000.00} under my name Synchrony Home account number ending in XXXX was paid in full. In addition to reporting the duplicate billing, I closed the account on my name, closed and disputed the joint account amount. As a result, I got two letters in response. First letter dated XX/XX/XXXX, stating that my Synchrony Home account ( account no ending in XXXX ) has been closed and that I have XXXX balance. Second letter dated XX/XX/XXXX, stating that Synchrony bank is reviewing the disputed claim requesting 60 days to Synchrony to review the claim. 
As, of XX/XX/XXXX, I have not received any correspondence from Synchrony Bank on what was the outcome of the dispute. In addition, I received a bill dated XX/XX/XXXX that has charged a late fee of {$39.00} on the disputed amount of {$2000.00}. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. Enclosed are copies of two letters from Synchrony Bank and the bill that I received on XX/XX/XXXX on the disputed amount. Now that over 90 days have passed by since the dispute was reported, I am looking for an expeditious resolution/response from Synchrony Bank XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card

I requested a credit balance refund that is owed to me and is my right to request a credit balance refund under 15 USC 1666D treatment of a credit balance any over a XXXX is owed to me.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigatio

n on my credit report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX 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
Product: Debt collection

Crown Asset Management , LLC misrepresents its business in the State of Florida to circumvent state laws regarding debt collection. Crown Asset Management is not a licensed debt collection agency in the State of Florida but continues to function as one. 

Crown Asset Management , LLC had previous class action lawsuits upheld against them for illegal practices in the state of Illinois in XXXX ( XXXX XXXX Crown Asset Management , LLC ) and in XXXX ( XXXX XXXX Crown Asset Management , LLC. ). The actions of this entity show a disregard for consumer financial protection laws and a disregard for state laws as well.
Product: Mortgage

This file is following a complaint that I filed on XX/XX/2018 with your company, ( this complaint has been closed at this time ) Complaint Number : XXXX. Chase Mortgage Company, illegally foreclosed my property while under consideration for a loan modification proceeding, approximately 7 or 8 years ago. Chase Mortgage Company purchased this property back after being told that they illegally foreclosed this property. We have been back and forth since that time regarding another loan modification, short sale, or a deed in lieu. Chase Mortgage is advertising this property for sale for auction on XX/XX/2018, on XXXX. Chase Mortgage informed your company l that they had discontinued any foreclosure proceedings as of XX/XX/2018. I am requesting payment for all of the undue hardships, and the many years of hardship with Chase Mortgage, for the unlawful foreclosure of this property, and the loss of my income.
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$250.00} XXXX XX/XX/year> {$150.00} XXXX XX/XX/year> {$120.00} XXXX For company