23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called this AGENCY several times and was toed to dispute the dedt.They never asked my name or why it was not my bill.The hang up in my face.
Product: Checking or savings account

I opened a business account with truist bank, and made a deposit into my business account for {$500000.00}. After making deposit truist bank closed my account and informed me they were not going to release my funds.my check was written out to ANF XXXX  XXXX, the same name as my company and business account, my check was issued from the irs, and I contacted irs to verify that my check was valid, and irs told me it was, and it was also paid out to my account but truist told me that my deposit was suspicious and they were holding my funds.I believe truist is being biased because my deposit was a large amount, truist decided to end there relationship with my but yet they wont release my funds
Product: Credit card or prepaid card

Enforcers better look into the scams on seniors with fake subscriptions placed on your credit card. 
The bank Cards said they are aware but don't do anything but void your credit card? Shame on U.S. 
You inquire about a product and then without your knowledge the scammers place a $ XXXX/mo membership on your card without your approval?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Account Name XXXX XXXX Account # XXXX Date opened XXXX COMPANY SOLD : XXXX Status : XXXX through Bankruptcy XXXX  XXXXNever late. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX The open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.
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. Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX in Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX account number : XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX bank Account name XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX, has violated my rights . 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

I have asked several times that they send me documentation proving that account belongs to me and they have not. Signatures/dob/ etc
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.

Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account XXXX XXXX XXXX and list of Inquiries 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: Debt collection

XXXX XXXX XXXX provided service to California home I sold in XXXX. My service was paid until I sold the home and moved. Obviously, any service provided after that date was for the new owner. 

Attempts to correct this issue with XXXX were futile and, as a result, I stopped using XXXX for any service. 

XXXX  has engaged one collection agency after another over the 19 year period the last of which was IC System opened XX/XX/XXXX.
Product: Credit reporting

I am not certain this complaint is being posted in the correct area, but this is the closest area I could find related to my complaint. My complaint concerns the credit score reductions for no legitimate reason. Let me start by saying, I am not understanding why my credit score declines if someone simply inquires as to what it is. If my credit score is XXXX and someone runs my credit to see if I qualify for credit with them, it brings my score down XXXX points, which now means my score is XXXX. This seems so unfair to me. A credit score should be diminished for failure to pay, slow payment, or bankruptcy. A credit score should not be decreased because someone inquires as to what it is. Example : : I decide to purchase a home, they run my credit, it is XXXX, borderline fair and poor. That lender is not meeting my needs and I decide to change lenders, and the new lender runs my credit and it has gone down XXXX points to XXXX which is now reflect the score as poor, which now means I ca n't get a house at all because my score has to be at least XXXX. I have not done anything wrong to cause this. I have not failed to pay anyone, or been delinquent with any payments. It 's as though you 're taking away my right to change my mind, and destroying my chance at home ownership just because of a credit inquiry. It does not seem to me that the services are making any money when a business inquires as to what your score is. If that is not correct, please enlighten me. This is a matter that needs some serious revamping, not later but as soon as possible. It is unfair to all consumers, whether the credit score is XXXX or XXXX. I will be sending this request for change to you every day until my voice is heard and also looking for other sources to voice my complaint to in the meantime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from credit acceptance that if I paid {$4300.00} within 90 days of the letter datedXX/XX/23 they would close my account and if the account was still reporting to the credit bureaus it would be updated to XXXX balance and paid in full for less than full balance. I paid the account in full onXX/XX/2023. I then called on XX/XX/23the rep stated the account was closed so I requesed a letter stating that it was paid in full and they would be updating my credit report. I was faxed that letter as well as mailed the same letter. I have had way too many issues with this company in the past so I disputed the info because I knew they would not update it accordingly and of course they responded to the dispute that everything was accurate on the account which is a lie.
Product: Debt collection

Subject : Complaint and Cease-and-Desist Request Against Security Credit Services LLC for Unauthorized Use of Personal Information To Whom It May Concern : I am filing a formal complaint against Security Credit Services LLC due to their unauthorized access to and/or use of my personal information without my consent. I request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and to ensure Security Credit Services LLC immediately ceases all activities related to the alleged debt associated with account number [ Insert Account Number, if applicable ]. 

Nature of the Complaint : 1. Unauthorized Access and Use of Personal Information : At no point did I provide consent for Security Credit Services LLC to access or use my personal information. This includes my name, address, phone number, financial details, or any other personally identifiable information.

2. Violation of Privacy Rights : Security Credit Services LLC has acted inappropriately by obtaining or using my personal information without authorization. This may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable federal or state privacy laws. 
3. Failure to Demonstrate Legal Authorization : Despite my previous requests for validation, Security Credit Services LLC has failed to provide documentation proving their legal right to collect any debt or to access my personal information.
Product: Credit reporting or other personal consumer reports

My credit report is causing personal issues for me and contains inaccurate data, as well as incorrect drops in score ( XXXX ). 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX known as a " XXXX '' loan ), since XXXX. I have never missed a payment, nor have I ever been XX/XX/XXXX days late. 

In XX/XX/XXXX, XXXX XXXX XXXX XXXXansferred their " XXXX '' line of personal loans, to a company called " SST '' ( Systems & Services Technologies , Inc. ). Recently, reported on both my XXXX XXXX and XXXX reports, I've had score drops of XXXX points. This was due to the " SST '' account being listed as a " new '' account. This is technically just a " transferred account ''. 

The Primary issue is on both my XXXX XXXX, and XXXX reports, the payment history is missing, which will eventually result in late payments on my credit report. This would be 100 % not accurate, as I have never missed, been late, or skipped any payment with XXXX XXXX XXXX or SST ( Systems & Services Technologies , Inc. ).
Product: Credit card or prepaid card

XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX D.O.B : XX/XX/XXXX I have been a victim of Identity Theft. To protect myself from further harm, I have filed a police Identity Theft report. These fraudulent accounts were not authorized by me. 
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : Please update, modify or remove any account that is not reporting with 100 % accuracy. I have been a victim of Identity Theft. To protect myself from further harm, I have filed a police Identity Theft report. These fraudulent accounts were not authorized by me. I am writing to dispute the following information on my file. I recently learned that my personal information was used to open an account. I pulled a copy of my credit report and noticed a fraudulent account. 
I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : XXXX/XXXX   Account : XXXX Reason : Fraudulent Account Date Open:XX/XX/XXXX XXXX  XXXX/XXXX Account : XXXX Reason : Fraudulent Account Date Open:XX/XX/XXXX XXXX/XXXX  Account : XXXX Reason : Fraudulent Account Date Open:XX/XX/XXXX XXXX/XXXX   Account : XXXX Reason : Fraudulent Account Date Open:XX/XX/XXXX
Product: Student loan

In XX/XX/scrub> 2024 I received an email stating I may be owed money due to not receiving billing dates on time for my loan through MOHELA. 

On XX/XX/year>2024 I requested a refund, and was told I would be receiving 4 months of payments ( XXXX ). When I called back later in XXXX MOHELA said it was approved but waiting to be issued and I needed to wait 21 business days. 

I called back mid XXXX, and was told the same. It was approved, but now needed to wait 60 business days. 

I called back mid XXXX and was told I needed to wait 90 business days. 

I called back mid XXXX and was told it was still approved but needed to wait the full 90 days. The full 90 business days was up on XX/XX/year>2024. I called today ( XX/XX/year>2024 ). After being on hold for 2.5 hours, it was escalated to a XXXX  I was then told I'm not actually approved and would not be receiving my refund. I asked for this reasoning as to why I'm not receiving my refund in writing, and they stated they could not provide me with one. They said " we can send a request to the lettering team, but there's no guarantee it will be approved and it takes 3-6 business weeks. '' All in all, I have wasted 20 hours on hold with MOHELA, only to be told that I'm not eligible. However, was told by numerous other people prior to today I was eligible, only waiting on payment. Completely incompetent company that is wildly mismanaging our student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a hard inquiry XXXX on my credit report, but I never applied for any products from XXXX. I uploaded a copy of the certified return receipt from the dispute I filed with Experian and as of XX/XX/2018 the hard inquiry is still being reported.
Product: Payday loan, title loan, or personal loan

I got a personal loan with XXXX XXXX /syncronic bank , about 2 years ago. 
I called on XX/XX/2018 asking for an extension to make my payment because I got sick, I was at the hospital and with the XXXX and with multiples doctors. I am still in really bad situation. I have the copies of all my medical records. 
This company announce sales of furniture with zero interest and I got a room set about two years ago .Until XXXX my debt was {$880.00} and they added an amount of {$1100.00} for Interest charge on XX/XX/2018. They did back date charge interest of 29.99 % adding in my account this interest an now my new balance in {$2100.00}. 
l 've been calling customer service. I spoke with XXXX and other ladies and nobody wants to help me. How come they increase my balance when I am calling for help because my health conditions? 
Please I need your help. As I wrote before I have copies of all my medical records. 
please do not add such amount of interest on my account and in this moment when I really need help. Please send this letter to the Manager or Directors of the company. 
I really need somebody who can help me read my letter. 
Thank you I appreciate your help
Product: Mortgage

Good morning, I'm being approved for the Homeowner Assistant Fund Program since XX/XX/2022 for 17 future payments. Since XX/XX/2022 I'm trying to find where my payments are for XXXX, XXXX and XXXX. Every time I called ; they responded that no checks are arrived. HAF are sending the checks every month and when I contact them, they have the checks for XXXX, XXXX cashed already. This is the first time that the posting of the payments is taking so long. The last time that American Financial Network responded me complain they reply to the following. : Dear XXXX XXXX, American Financial Network , Inc. ( " AFN '' ) sympathizes with any frustration you've experienced with loan payments. Please note that as we previously advised you, your payments are handled by our third-party servicer, XXXX. Their phone number is XXXX. Calling them directly is one possible way to get current information on your payments. 

When I called the number, they gave me is American Financial Network, so I don't understand why they are saying that is XXXX. I can't communicate with XXXX by phone or email only with American Financial Network.
Product: Credit card

My account was closed on XX/XX/year>, despite the fact I have never been late on payments and indeed paid the full balance every month. I have also maintained a credit rating well over XXXX. I was not notified by phone, email or text. Instead, I was sent a letter informing me my account was closed which did not arrive until XXXX. As a result, I had multiple transactions that were refused due to a closed account which I was not aware had been closed. The letter I received said my account was closed and gave no reason for the closure. It also said I had 90 days to claim any earned rewards. I immediately paid off the current balance and went to the website to claim rewards earned. I did not have the option to request a check, so the rewards were issue as a credit. I called the credit card company ( BMO Bank ) and was told it would be 4 months before a check would be issued. I was given no reason for the account closure and no reason why it would take XXXX  days to send a check. I will never do any kind of business with BMO again and will discourage friends and family from doing business with BMO as it clear they do not value even excellent customers.
Product: Credit reporting or other personal consumer reports

I have been unable to obtain a free credit report online from TransUnion for months. Additionally, I have been unable to obtain my credit freeze info and freeze or unfreeze my credit for months. TransUnion support is awful and not helpful at all.
Product: Money transfer, virtual currency, or money service

I have banked with first interstate bank, and was great western for over 30 years. They have cashed an employee check from a XXXX restaurant in XXXX XXXX Iowa 4 or 5 times and taken it out of our personal account! I have talked to them several times and each time they say it is taken care of. This needs to stop. I understand once but this is ongoing! I need help
Product: Credit reporting or other personal consumer reports

Im absolutely frustrated to find that an account that doesn't belong to me is showing up on my credit report. This account clearly belongs to someone else, and its being mixed up with my information. This is completely unacceptable.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Absolute Resolutions Investments , LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account number : XXXX Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Payday loan, title loan, or personal loan

Loan account XXXX I had a loan with Upgrade that I paid off yesterday. I was placed on a a hardship program. I have never missed a payment but I was reported to the credit agencies as missing a payment for XXXX, then XXXX and then XXXX all at separate times. I had to file disputes with the credit agencies 3 different times for 3 different months which caused me to lose a credit card and get another limit lowered. Upgrade each times admitted that is was their mistake. They just reported me again eventhough the XXXX is paid off. They were reluctant to connect me to a supervisor each of the times and XXXX returned my phone calls that I requested. My ability to do business has been crippled since XXXX because it take so long for them to update my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX- I was Unable to obtain annual free credit report- at XXXX ( rec 'd the other 2 -XXXX & XXXX - very simply ) Several hours on phone with multiple EQUIFAX representatives- finally able to obtain access to https : //my.equifax.com/membercenter/ # /credit/summary Unable to " Verify Security Questions '' as EQUIFAX information is incorrect/wrong : Equifax has MY CURRENT Address listed as Previous Address and my Previous Address listed as Current Address Equifax has Incorrect Employer Information- When I Tried to Include a " Personal Statement '' to Add Current and Previous Employer- Site showed " use only Valid characters '' which I typed statement in ALL CAPS no other characters except numbers for the dates- but not able to Print simple PDF Credit Report- which has incorrect information- EQUIFAX representative gave me a Dispute Phone # of XXXX which is a disconnected #. Then XXXX Representative gave me XXXX as a Dispute # and I was told they couldn't " Verify my Identity '' and couldn't update my Address
Product: Credit card or prepaid card

I received a letter of denial for a credit card I did not apply for thru Chase. The card said my card application was denied based on credit score and lack of credit experience. 
I did not apply for a card at Chase. Someone else did and I am not sure if they used my SS number, but I am assuming they did so I am very concerned of Identity theft. I am not sure who to call at Chase because there is no number on the rejection letter. Only numbers are on the XXXX XXXX & XXXX Credit Bureau. I can send a copy of the letter I received if I knew where to send it. Any help would be great. Warm Regards, XXXX.
Product: Credit reporting

I contacted Experian and reported that there was an account that was being reported on my profile that did not belong to me. I do no nor have I ever had an account with XXXX XXXX and there are XXXX trades reported under my profile. I contacted the creditor at the phone number listed on the report and the only information that they were able to provide was that the store that originated the trades is no longer in business and suggested that i file a dispute with the credit bureau. I asked that Experian validate the debit but instead they dismissed my concern and the trade has remained on my report. I 'm not sure how I can prove that I do not have a debt with these people but i am sure that they can not prove that i do, so I am very confused as to how Experian can just say, oh well miss the debt is in fact yours now until 2019. I know that it is my right to have my credit file contain accurate information and am sure my rights are being violated.