23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Last year I received a letter in the mail for a settlement amount on a credit card I had and because of health my bills were sadly not taken care of while I was very sick so when I got the paper from them in the mail I was able to address the issue and went online and set up an account to have the money paid to them on the XXXX of the month for six month 's which was the length of time and payment of the one I chose. I did so and it was never reported on my credit report that I did so and when I called them and tried to have them fix the issue, I was told I could not be helped they no longer had the account, which no one should since I paid it off as I explained. The man I believe said his name was XXXX and asked for his name again after he said he could not help me. He then hung up on me and after seeing all the reviews online in regard to this company I am not sure how they are even allowed to be trusted with a person 's life. Our credit report is a relaxation of us as a person to most if not all credit dealings and companies being paid and not reporting it is so wrong as we are required to handle our credit and life in a lawful and honest way, they should be held to this if not more so. I have my bank statements showing all the money paid to them and found the last letter saying I had just 2 more payments till paid off and they never sent another or even a letter thanking me for doing what I said and they have another account of mine that after this experience has me so XXXX  shy that I do not know how to handle it. If they read the reviews of the consumers who paid and they never updated their credit they would be ashamed of themselves and not sure how they get away with it, totally disgusted.
Product: Credit reporting or other personal consumer reports

n 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$560.00} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$160.00} XX/XX/XXXX EXPERIAN : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$380.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$560.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$160.00} XX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$380.00} XX/XX/XXXX XXXX  Account Number : XXXX {$560.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$160.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma consistently sends me offers about credit cards saying that my odds are good or excellent only for me to be denied credit! I then take another hit on my credit and have an inquiry! How is this company allowed to mislead people to falsely claim that you have good or excellent chances in getting approved when this is not true?
Product: Student loan

On a few different occasions my direct pymt for my loan had insufficient funds due to the timing of my deposits which I have since fixed. My complaint is that on the first of the month, Lendkey auto deducts from my acct. When there is insufficient funds, they say they will make a second attempt. The funds have been immediately available once I have received a notice of insufficient funds. However, their second attempt is not made until it is past the due date and they then charge me a late fee. I am struggling enough to make ends meet and I find this practice immoral and not sure if it is even legal. If I do a manual one time pymt, they end up going into my account for the second attempt ( which is always at the time where they can then charge a late fee ) and take the money anyway and XXXX up my account even further.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 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 XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

Despite requesting the removal of an in-school deferment both XXXX XXXXXXXX and MOHELA have continued to place my loans back in deferment. They have been difficult to contact by email and wait times on the phone have been in excess of 2 hours consistently. 

Please see attached form confirming that I have requested the removal of this deferral yet loans are currently still in-school deferment as evidenced by the attached PSLF application.
Product: Credit reporting or other personal consumer reports

Transunion is reporting inaccurate and false information on my report.The account in question has fraudulent charges and wrong balances and dates. I decided to settle the account but the account remains reporting as if I own it and with invalid charges.
Product: Debt collection

XXXX XXXX XXXX of XXXX Florida has sent me multiple request to pay {$4100.00} these are allegedly for XXXX services as far back as XX/XX/XXXX and as recent as XX/XX/XXXX. The only thing that is wrong is that they're a fraud. I've contacted the medical group allegedly involved and first and foremost I owe nothing not dollar one, secondly the medical group has no idea who these people are. 


Obviously XXXX XXXX XXXX is a fictions company trying to scare me into paying a debt I do not owe. They have committed mail fraud and are attempting to scam me out of {$4100.00}
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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBERXXXX ACCOUNT NAME : XXXX ACCOUNT NUMBERXXXX ACCOUNT NAME : XXXX ACCOUNT NUMBERXXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am writing to formally dispute inaccurate information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681. Upon reviewing my credit report, I found the following inaccurate items, which I did not authorize or provide consent for reporting : 1. Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX This address is incorrect and should be removed from my credit file as I have no connection to it 2. Unauthorized 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 XXXX  ) I did not provide written consent to these creditors to furnish or obtain my personal information, as required by law under 15 U.S.C 1681b. Therefore, I request that these accounts be removed from my credit report immediately.

Please investigate this matter and remove the inaccurate information within 30-day period as required by law. I expect to receive written confirmation once the requested corrections have been made.
Product: Checking or savings account

On XX/XX/XXXX after the online login fail I called Bank of America to learn that my business account is under closure. Since I did not receive any paperwork in regards to the closure I didnt know what the procedure was with existing payments in and out of the account and what was going to happen to the outstanding balance on the account. An employee explained to me that any outstanding payments from the account would be processed and any payments scheduled to be transferred into my business account would also process until the account is completely closed. Since it is a business account there are a lot of ACH payments set up and I specifically asked about those payments coming in which an employee confirmed that would clear in the account. I contacted the companies that my business is working with and updated bank details but the cut off dates for some of them was too close and some payments had already been processed and a sum of over {$48000.00} went to BoA business account. 
After a few days when I called to follow up on the status of my account I was told that a cashier check for my account balance was sent out. To my request for an overnight post Bank of America replied that any checks for big amounts are always sent overnight. The following day nothing came in the mail, called the bank again and this time I was told that those funds are now sent for investigation. This is when the big SHOW began. Bank of America we need 3 business days, we need another 48 hours, we need 72 hours, we need 5 days and so on until now to investigate those funds. 
The risk department requested documentation confirming the source for those funds and I have provided all the invoices, all the payment receipts, all the contacts and so on. When I took the documentation to the branch for an employee to verify and fax them over to the headquarters I was told 48 hours and we should have a response either a cashier check would be issued or those funds sent back to the accounts where they came from. After 48 HOURS when I am positive I will get an answer I am told another 3-5 business days is needed to review the documents.

I have people to pay for the services they have provided, I have company employees waiting for payments and I can not do anything about it because Bank of America is sending my case from one department to another and I already want to think that they dont know where my money is! Have they spent my money and need time to play around with other peoples accounts? Have they put that money in circulations? I need this resolved ASAP. My company is on the edge of breaking and I have no obligation of chasing the money that I have worked for day and night. Bank of America has the first obligation to pay us, and FDIC shares that responsibility for our funds. 
Thank you for taking the time to refer to this matter.
Product: Debt collection

Would get upwards to XXXX calls a day from Comenity Bank, This happens Everyday even on weekends nonstop for the last XXXX XXXX years. They leave detailed messages stating I will need to have my lawyer to contact them or it will be escalated to the next level. They have upwards to XXXX different numbers calling me nonstop.
Product: Debt collection

I have 2 collection accounts on my current credit report that are fraudulent. 

Date : XX/XX/year> : Collection Agency : Online Collections XXXX Creditor Name : XXXX XXXX Amount : {$430.00} Date : XX/XX/year> Collection Agency : XXXX XXXX XXXX Creditor Name XXXX XXXX XXXX  Amount : {$710.00} Both of these companies are located in XXXX which is a place I have never lived. These are just two of the most recent fraudulent accounts. 

Last year ( XXXX ) I was alerted to a fraudulent account with XXXX XXXX in the amount of {$430.00}. I contacted XXXX XXXX and it was taken care of. However I did ask if they could put my information on an identity theft/XXXX so no one could open any more accounts with their company. I was told they would do that and I shouldn't have to worry about it being used with their company again. On XX/XX/year> I discovered I had another round of collections from XXXX XXXX. 

When I contacted XXXX XXXX this second time it was discovered my information was used to open 10 accounts for different addresses from the XXXX border up to XXXX. I was able to get dollar amounts and the address of each of these accounts but was told they really couldn't do anything. So not only are the 2 collection accounts listed above XXXX XXXX XXXX and XXXX XXXX ) fraudulent but anything else coming from any utility company in XXXX is fraudulent as well. 

Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit and i notice and handful of hard credit inquires and fraudulent accounts on my credit report. I reach out to all the creditor listed where the fraud happen and explain that i did not authorized the account. I then reach out to XXXX XXXX and experian and I as told to get an FTC report. I am asking that these accounts and credit inquires to be remove from my credit report. I have attached the ftc report with my drivers license
Product: Credit reporting, credit repair services, or other personal consumer reports

Date last reported XX/XX/2019 {$3600.00} Faxed, mailed and called about this issue.
Product: Debt collection

Received letter, dtd XX/XX/2023, RE : Notice of Data Breach, reference XXXX XXXX XXXX XXXX XXXX Advance America ( the company ), in which I was informed of a data security incident that may have impacted some of my personal information. I received a negative ( collection ) on my credit report that it had been placed in collection for non payment after three months. My husband and I started work on credit repair in XX/XX/2023 with an established company and have not tried to establish any new credit.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that multiple over 30 day late payments were reported on an account of which specific payments were not over 30 days late. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I was not over 30 days late on these payments reported by XXXX XXXX, account XXXX between the years XXXX and XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be.
Product: Debt collection

XX/XX/XXXX received a call from a process server representing XXXX XXXX out of XXXX, TX. She ( XXXX ) stated that she would be serving me a summons the following day because I was being sued by XXXX for possible wage garnishment over a debt collection. 

When I contacted XXXX they stated that if I didn't settle I would be served and sued. When I requested validation of debt, the rep stated that she didn't have that information and that they were not a debt collection agency and suggested I contact the original creditor. 

I was able to obtain a date and business name from the rep and she stated that the statute of limitations in Ohio was 15 years. This debt was supposedly from XX/XX/XXXX, 14 years ago. She also stated that the previous debt collector has tried reaching me since XX/XX/XXXX and that XXXX had only obtained the debt 3 weeks ago. Approximately 5 months ago someone called me regarding this issue and I requested validation of debt and was told " that information isn't available, as we are not debt collectors, but a 3rd party ''. 

Can XXXX attempt to collect a debt while stating that they are 3rd party litigation and not a debt collector? While also requesting and offering settlement options? 

Can XXXX have someone call you, stating that are a process server, and threaten summons, suit, and wage garnishment if not handled? 

Can XXXX state the amount of debt and then state another price incurred if the summons is served, at nearly 3 times the original debt? 

My ignorant self paid {$700.00} on a debt I'm not entirely confident was mine ( I know I know ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX Card, MB Financial Services, and XXXX  XXXX. The Account Opened is XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is MB Financial Services Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Debt collection

XXXX I was notified of a debt that was owed. My wages were garnished. 
It was not my debt. 
I was sent paperwork stating that I was having my wages garnished with a fictional judge from my county. 
I went to court as I was on a docket. Spoke with Judge who verified XXXX on paperwork is phony. Received court documents from Judge dismissing suite . 
XXXX and XXXX I was contacted again by the same company with the same debt. 
I never even obtained said debt. 

It is now on my credit as a lein?
Product: Mortgage

I filed a complaint with your dept XXXX becuase Lakeview Loan Servicing LLC was not responding to my requests to adjust my PMI and my escrow balance, which was due to adjust on XX/XX/XXXX. I called several times to get the new loan payment for my XX/XX/XXXX mortgage payment. My previous mortgage payment was {$3900.00}. My XX/XX/XXXX mortgage statement did not reflect the new figure which ended up being {$3300.00}, so I sent {$3900.00} electronically, which hit my bank account XX/XX/XXXX. it wasn't until my XX/XX/XXXX mortgage statement that the correct updated figure of {$3300.00} showed. I did not want ot have a missed mortgage payments so I sent the billed amount of {$3900.00} even though eventually I only owed {$3300.00}. They applied the additional {$580.00} to principal reduction. I called them and told them I wanted the {$580.00} returned to me and they said, " You have to proved that you sent it. '' This was an absurd request since they processed my payment of {$3900.00} on XX/XX/XXXX. I sent them copies of my bank statement, " proving '' that I had made the payment, yet they refused to acknowledge that. This bank has been unethical with me from the start. Their loan officer orignally told me that I could have my PMI removed as soon as my property appraised at XXXX XXXX, but that was a lie, since the they sold the mortgage to XXXX, and I had to wait XXXX full years. I've been calling them since XX/XX/XXXX to get this resolved and they refuse to do so. Their info and my loan # XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX loan # XXXX phone XXXX.
Product: Checking or savings account

I PAID A COMPANY CALLED XXXX XXXX ON XX/XX/2016 {$1600.00} USING MY CHECKING ACCOUNT. THIS COMPANY TOOK ADVANTAGE OF ME. THEY DID NOTHING AT ALL FOR ME. I TRIED TO FILE A FRAUD WITH MY BANK AND IT WAS DENIED. THE COMPANY WON'T RESPOND TO ME OR ANYTHING.
Product: Debt collection

Final letter written on XX/XX/2020 included copy of credit card application and my drivers license issued in the state of NY clearly showing the signatures do not match. Also was not living in residence the card, statements or letters were sent. That was my ex-wifes home. They have attached to my credit report showing collections for XXXX ( old XXXX XXXX account ). I even attached a copy of my current XXXX XXXX account showing good standing. Company keeps sending letters stating the account is valid when clearly it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have specifically asked XXXX, XXXX, and transunion to delete all information that is not correct. I have requested that they only have my legal name ( XXXX XXXX ) my legal address ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ) and my legal date of birth ( XX/XX/1981 ) There seems to be multiple different names, and different addresses on my credit report. They have not removed them, and it is not legal to have the incorrect information. 

Thank you for taking care of this. 

XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have sent letters with my ID social and everything letting them know it was all because of identity theft and nothing was removed.