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

Hello, I signed up for clear one advantage. They are a debt reduction program meant to negotiate with your creditors for you. I have them {$510.00} for 6 months. They made a settlement in XXXX with XXXX XXXX  one of my people I owed money. I had to miss one payment and they said it was fine. Suddenly on XX/XX/XXXX I get a threatening call from them telling me to pay them {$210.00} or XXXX XXXX would drop the settlement. I was given until XX/XX/XXXX and suddenly on XX/XX/XXXX clear one advantage  sent me an email saying XXXXXXXX XXXX dropped the settlemnt and they had given away my entire {$2700.00} and that it would not count towards the settlemnt but to the original amount owed. I contacted XXXXXXXX XXXX to continue the settlement because I never gave permission to give all my money away plus I planned on paying them literally on the XXXX as it was my pay day which clear one knew. Well XXXX XXXX said they only made 2 payments of {$210.00} and nothing else was given to them. So clear one advantage had stollen my money and lied about it. I have contacted them multiple times a day every day since they refuse to answer any questions. They wont even talk to me. It is clear that clear one is stealing money from people who are in heavy debt. They didnt even do anything for me! Not one debt was settled alll they did was collect my money for 6 months which I could have done on my own. This sounds criminal and I contacted the police who want me to take it to court but I dont have money to do that. I am already broke and now my credit score is slammed thanks to clear one telling me not to pay my bills for 6 months. They have put me in ruin. I am about to have to leave my apartment and I cant rent a new one thanks to my credit score being depleted. They have literally robbed from someone who had nothing and is now in danger of being homeless. Please help! also I called XXXXXXXX XXXX and they told me they did not give them any money at all and that clear one advantage lied. Oh and they are never available to talk. They hang up on you and they wont respond to emails or texts. I have been trying to find out where my money went and they refuse to talk to me.
Product: Debt collection

On the occasions I mail a copy of the front and back of me insurance and irhythems did nothing today I receive a letter from Revco a collection agency telling me I owe XXXX I have been in XXXX after my admission and this is the first letter I receive when I call the first time to collections agency they hang up the second time I call XXXX they connect to calle toon on three occasions I send XXXX my insurance which is a tripe of XXXX but threw the county now they say I owe it because its over one year however I had contact with irrhythem on three occasions and gave insurance info. This is not my debt
Product: Money transfer, virtual currency, or money service

Heres my story : My sons XXXX got hacked one XX/XX/XXXX and the hacker was sending his friends ugly messages from his account. So I called a number that was supposed to be XXXX  customer service to get his account removed. The guy that answered said he was a XXXX customer service representative and he would help me with my sons XXXX account. He then told me that the person who hacked my sons XXXX, had also hacked my cashapp and that he needed to verify my identity to get the hackers out of my cashapp. He asked for a friends number that I trusted that could verify my identity and that I was a real person. They then proceeded to call my friend acting like they were cashapp and had us both download an app called XXXX. From there, they took control of mone and my friends cashapp accounts. They withdrew {$1400.00} out of my account into a XXXX XXXX XXXX without my permission!!!! I have no idea what XXXX XXXX XXXX is!! This was not an authorized transaction! They somehow got control of my account & im assuming it was through this XXXX app they asked me to download. Please Im begging you to help me with this!!! This was a scam and I need my money back! Cashapp has been no help to me. They keep saying this was an authorized transaction and it was not! 
Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed itemd several times, along with proof to support my claim and they still refuse to remove inaccurate items. Now they refuse to dispute the items anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Equifax must check this item ( A ). It is unacceptable to list this item as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX
Product: Student loan

I am {$35000.00} in student loan debt. XX/XX/XXXX, I  signed up for student loan forgiveness with a servicing company : XXXX XXXX. 
I was told my loan application for the Department of Education will be sent off for student loan forgiveness and I would be charged a {$190.00} fee for the initial start up. 

After, I would pay {$49.00} monthly, to have my student loan account oversaw at all times. 
I have since found out XXXX is a scam and a dishonest company. 
I have called them to cancel and they have told me I can not cancel and have to pay the full amount owed to them, to settle payment. 

They took out a {$49.00} fee from my account XX/XX/XXXX and XX/XX/XXXX. 

The initial company that contacted me with XXXX has told me several times they sent XXXX a cancellation email regarding my account. The latest time was XX/XX/XXXX. EA has continued to send me emails stating my payments are passed due and if I do n't make payments soon, they will put derogatory marks on my credit score. 

I realize that student loan consolidation is something I can do on my own and they do not get student loans forgiven, as told. 
I am awaiting to hear back from the initial company to confirm XXXX 's response regarding my cancellation. However, the initial company told me if XXXX cancels my account, I will still have to contact them about cancelling my finance contract. I will still owe XXXX and this will affect my credit. 

I want to know what my options are. I am not letting XXXX get away with scamming individuals. I see their reviews online and they ALL express the scam in this business. 
What business emails clients and threatens them?? 
This is absolutely absurd and I do not believe I should be penalized for wanting out of a scam. This company needs to be shut down and legal action needs to be made against them.
Product: Debt collection

I am receiving unwanted calls from southwest recovery ( a debt collector ). Once I discovered I have been turned over to collections, I called the original company and paid. It was a misunderstanding that got resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I had two accounts with XXXX XXXX XXXX. Synovus Bank Acct ( XXXX ) XXXX still reporting A closed Paid account. XX/XX/XXXX After it meet FCRA requirements. 

Account # XXXX XXXX XXXX Reporting On the same day I closed Account ( XXXX ) XX/XX/XXXX. On my report it shows Date Of Last Payment XX/XX/XXXX Payment Status : ( Currant ) Account Status : ( Paid ) Comments : Canceled by XXXX XXXX ( Consumer closed the account not them ) XXXX XXXX 30 days late * XXXX XXXX  60 days late* XXXX XXXX 30 days late* Date Last Active : XX/XX/XXXX Date of last Payment : XX/XX/XXXX Last Reported Date : XX/XX/XXXX XXXX Reporting Payment Status : ( Current ) Account Status : ( Paid ) Comments : Account has been closed due to inactivity XXXX XXXX 30 days late * XXXX XXXX 60 days late* XXXX XXXX 30 days late * Last Reported Date XX/XX/XXXX Date Last Active : XX/XX/XXXX Date Of Last Payment : XX/XX/XXXX XXXX Payment Status XXXX ( Current ) Account Status : ( Open ) Comments : Consumer Disputes XXXX XXXX  30 days late * XXXX XXXX 60 days late* XXXX XXXX 30 days late * Payment Status : ( Current ) Date Last Active : No Info Date Of Last Payment : No Info Last Reported Date XX/XX/XXXX Payment Status : XXXX XXXX XXXX ( Inaccurate Reporting ). 

Payment Status : XXXX XXXX Currant Payment Status : XXXX 30 Days Late Payment Status : XXXX Current ( Inaccurate Reporting )
Product: Checking or savings account

I am trying to withdraw cash from my Discover Bank personal checking account. After I withdrew {$300.00} from my account, I tried to withdraw another {$300.00} on the same day, and the transaction was declined. 

In the Deposit Account Agreement for this account effective XXXX ( XXXX XXXX XXXXXXXXdiscover.XXXX ), section 13 ( d ), Discover states that the daily withdrawal limit is {$2000.00} per day. 

When I contacted Discover about this issue, they referred me to the same section of the Deposit Account Agreement, but they said the limit was {$510.00} per day. When I pointed out the discrepancy, they told me they had adjusted the limit from the value in the Deposit Account Agreement.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and saw an account does not belong to me. I spoke to a representative at XXXX XXXX XXXX fraud dept and they advised that the saw when I requested a move and paid my bill. I was told by XXXX XXXX XXXX XXXX XXXX that this account would be removed. An XXXX XXXX XXXX XXXX account was open without my permission or consent at an address that I moved from previous to this account. I lived at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX- XX/XX/XXXX. XX/XX/XXXX, I purchased my home at XXXX XXXX XXXX. I currently had XXXX XXXX XXXX XXXX only at XXXX XXXX XXXX XXXX XXXX prior to me moving into my new home, I called XX/XX/XXXX for a move request. I was told services were not available at my new address. So I paid my current bill and returned the equipment XX/XX/XXXX. At my new address, XXXX XXXX XXXX I have NEVER used any XX/XX/XXXX services. In fact, Ive had XXXX internet since I moved into my house. XXXX & XXXX used my personal information to start service at XXXX XXXX XXXX XXXX XXXX my knowledge and this is not my account. I would like for this account to be removed immediately.
Product: Vehicle loan or lease

US AUTO SALES FILED BANKRUPTCY AND CLOSED DOWN. My contract has been breached by US AUTO SALES. I recently in enrolled in the XXXX and was recently paying on the XXXX which US Auto sales was doubling billing consumers. 

FTC XXXX XXXX XXXX XXXX and XXXX In the contract. The seller fail to live up to the contract ( breached the contract ) I value my credit and believes it would be unfair business practice for XXXX XXXX to harm my credit. 

XXXX XXXX has harm my credit in every way, inaccurate information has been put on my credit as well. 

16 C.F.R 433 Ga.Ad.Code 122-5.01.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit card or prepaid card

comenity bank is the worst i always paid my bills. they waited back in XX/XX/2017 i paid large sums on my credit cards. and few months later they lowered my credit limit and i were in the process of buying a home. so what that did. it made my utilization go down, and too the bank that was willing to finance me. it shows now i have no open credit available. so i was turned down for my home loan. and now they are showing me delinquent. but if the truth be told i ma ahead due to large sum has already been paid. i ask them to suspend my accounts due to paying for health care cost for my son that recently had a XXXX. so i can pay a smaller amount and not be behind. thank you for your help we need to stop the credit card company from ruining good consumer that paids they bills. and when trouble strike it they shouldn't how to worry about crooks like comenity bank.
Product: Debt collection

Billing Department of XXXX XXXX XXXX XXXX systematically violates my patient rights by sending me on collections for medical bills, which I paid in full. In XXXX they sent me to XXXX XXXX XXXX XXXX for a medical bill from a XXXX  department, which I paid months ago. I provided a receipt to the collection agency, and the case was closed. However, on XX/XX/XXXX, I was informed that " an unauthorized person may have had access to XXXX 's systems. '' My private information was compromised. 
On XX/XX/XXXX, I got a letter from the Professional Claims Bureau asking for a {$490.00} for a medical service provided by XXXX XXXX on XX/XX/XXXX. My PCB acc # XXXX. My Flexible Spending Account XXXX already paid this amount to XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have my receipt for your review. You can also contact XXXX  by phone # XXXX.
Product: Consumer Loan

I recently submitted a complaint via cfpb in regards to toyota motor credit in which they responded with this long winded excuse stating that the settlement of my account never posted for 58 months due to an inadvertent clerical error. I just recieved notification that they have flagged my XXXX credit report as a charged off bad debt and not paid settlement as agreed in their letter. Toyota motorcredit is full of games and this is really getting ridiculously out of control and I feel the need to seek legal counsel if this issue does not get rectified IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Sun Loan account I am disputing is reflecting negative on my credit report. I paid this off in XX/XX/2016. I shouldnt have a balance reflected on my credit report. I disputed this more than once and it comes back that it wasnt paid. I am attaching a receipt of payment stating its paid in full. This is under my previous name XXXX XXXX. I need this fixed asap to reflect XXXX on my credit. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ID theft victim Another account on my report XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} This is not my account/Fraud i have added my Id theft reporrt as well
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was shocked to find a blatant error regarding my account ( XXXX ). Your report claims I had a late payment in XX/XX/year>, despite the fact that I paid on time. Even more troubling, the other major credit bureaus correctly report this account as Paid on Time. This isnt just a simple mistake, it feels like Im being taken advantage of. By law, under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information you report is accurate and consistent across all bureaus. Reporting conflicting information isnt just careless its a violation of my rights as a consumer! I'm now requesting that the late payment reported on XX/XX/year> AND ANY OTHER LATE PAYMENTS REPORTING ON THIS ACCOUNT BE UPDATED TO PAID ON TIME IMMEDIATELY. Ive attached supporting documents, including my credit report, to illustrate this inaccuracy. Failing to correct this error immediately would be a continued violation of federal law. Despite this confirmation, the bureau has refused to delete and remove these inaccuracies, leaving me feeling taken advantage of and powerless.Thank you for your understanding and prompt action.
Product: Checking or savings account

I never open a chase bank account I cant open nothing I dont understand why I just got married and my current social on black web
Product: Checking or savings account

I was promised a {$100.00} bonus if I opened a BBandT account and if I met certain requirements such as a direct deposit, ETC. However, when I went to the branch where the account was opened by XXXX XXXX, I was not informed that I would not receive the bonus because it had to be opened online ( allegedly ). XXXX XXXX even accepted a promotional code from me ( XXXX ), and told me that it would work. XXXX XXXX either gave me incorrect information regarding the promotional code or he deliberately misrepresented his bank. A couple of weeks later, when I called BBandT I was informed that even though I met the requirements needed for the promotion since it was not opened online, I would not receive the promotional offer.
BB & T benefited from my money being deposited at the bank but did not keep their end of the bargain. What the banker at BB & T did was equivalent to a doctor advising someone to do a surgery that would negatively affect their health. And then when the patient complained to the hospital ( BBandT ), the hospital would say that the patient did not read the terms and conditions closely enough. If the bankers verbal commments were in contradiction with the many many terms and conditions written on paper then this is fraud. Since the banker could deny saying what he did, I want it to be taken into consideration how as a XXXX XXXX, it would have been easier for me to open the bank account online rather than at the branch and subsequently receive the promotional offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  XXXX is reporting 2 erroneous late notations on my credit file. I recently sold my house and this loan was paid in full. I ended up selling the home in XXXX. However, my title company said that wiring the money over would take 30 days. I told them that they needed to hurry the transaction as it was XXXX and it only has 28 days. My title company ended up transferring the money over XX/XX/XXXX, which in any other month would have been the XXXX. XXXX XXXX also charges a late fee if you pay anything past the 16th which is ridiculous so they added a late fee. This account had been completely settled and paid by XX/XX/XXXX but they reported me late for XXXX? This was not my fault, I was never late on this account prior. I need the late notations removed from my credit file because I was never late, my title company just XXXX me over.
Product: Student loan

I already sent the information that I am apart of the Sweet vs. Cardona lawsuit with in which my federal student loans were discharged. The reason for discharge was for school misconduct. I received a letter back from Wells Fargo that the loan was approved and set up properly and that they would not be discharging the loan on the basis that that private student loans dont have the same government backing as federal loans do therefore do not need to discharge loans. 

In addition to that, I also filed bankruptcy back in XXXX. Wells Fargo was on the list of creditors that were apart of the bankruptcy but they told me after it was discharged that I had to start making payments again. 

According to an article from CFPB from XX/XX/XXXX that warned services for collecting discharged debt. I will upload the information from that article from CFPB. But it is stating that private student loans can be discharged through standard bankruptcy if which would apply to my situation : Loans made in excess of the cost of attendance I not only have dealt with my school misrepresenting the amount that I would make, especially after pushing me to go right for my MBA after graduating with my BA because they said doing so would give me a salary of over 100k. They also told me the extra money that would be taken out to attend school to go on for my graduate education would only amount to 20-30 more per month in my student loan payments. Although this is more geared towarda why I was given the discharge for my federal loans, but I also filed for bankrupcy therefore if my private student loans can not be eligible for discharge as federal student loans due to a borrower defense discharge, I should have at least been able to be done making payments to my private loans through Wells Fargo after filing for chapter XXXX bankruptcy. Bankruptcy is a way of getting private student loans discharged. Again, between the misconduct from the school with how much I would be able to make after graduating and then not being able to afford said bills because I could not find a good enough paying job within my career field which in turn caused me to file XXXX  XXXX bankruptcy then my private student loans should have been diacharged and I shouldnt have been required to resume payments after my bankruptcy was XXXX.
Product: Mortgage

I'm currently in a process of a Re-Finance/Mortgage with another company. I received a notification from my Mortgage Broker and the Underwriter that Mr. cooper has place my account as a Disaster Relief Plan as of XX/XX/2021. I had not consent or had any knowledge of this ILLEAGAL ACTION, also they are not reporting my CURRENT NO LATE PAYMENTS FOR XXXX MOS. on the credit reporting system. This is defrauded the government money, defamed my credit and lied on my mortgage payments history. My Mortgage Broker and I was on the call with the consent of me that he may speak on my behalf, we ask them to correct and remove from credit reporting with a letter, within 24 hrs. as we are in the final stages of closing. They said no it will take 30days. This is from the rep XXXX XXXX stated she can only send a positive history transaction. in reference to this ILLEAGAL ACTION that they place " of their error. '' I was not affected by the COVID pandemics and I've been making my payments for many years. My family and I have reside in this home for 21 years. 
My Mortgage Broker had informed that NATIONAL STAR/ DBA MR COOPER has been sued multi times of defaming the government and their consumer base on the publications.
Product: Debt collection

Demand for past due payment started about 7 years ago. 
We always pay our bills and we had in excess of $ XXXX per year for several years. 
They refused to supply itemized accounting of who was owed. 
They continued to send demand letters, would not provide info on phone, and now call me about once a week. 

In XX/XX/2021, I sent them a Cease and Desist " Certified '' letter per the Fed Debt Collection laws and they continue to call me and my daughter who is not responsible for my affairs. 

Harris & Harris Ltd. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX