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

I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account XXXX XXXX. Please resolve this manner as soon as possible thank you
Product: Debt collection

Multiple issues with the company of Brockman & Rollins. They repeatedly call family members and even my previous employer ( they 've NEVER attempted to contact me directly ) saying that they are trying to reach me to serve papers and that I will be arrested for failure to appear in court ( sharing that information with anyone other than myself is illegal ). They have told every single person that they 've spoken with about how much they claim I owe ( illegal ), and that they need to find me as soon as possible and that someone had shown up to my house that day in an attempt to serve papers and that I was n't home. First of all, a legitimate process server is n't going to call me ahead of time to warn me that they 're coming. Second of all, I had just happened to be home that day and NOBODY had shown up. Period. These people call about every six months for about a week and then stop and they start up again about six months later. They are bullies, they are liars, and they use illegal intimidation tactics in hopes that I will be scared enough to pay them money without questioning it. After researching the company of Brockman & Rollins, I 've discovered that they were previously operating under the name of XXXX XXXX XXXX and that company was shut down due to the fact that it was a debt collection scam " company ''. They think they 're slick, changing their name. The company has been in " business '' for less than a year. It could n't be any more obvious that this is a scam attempting to scare me into paying money on a debt that I do not owe. When I questioned what the debt was for, they could n't provide any answers as to what the debt was for, just that I owed them money. I have never received a Verification of Debt letter from them ( illegal ). These are not the practices of a legitimate debt collector.
Product: Debt collection

I applied for CA Rental Assistance Program for rent relief in early XXXX and the application was complete and accepted. I waited a couple of months then finally received communications from the State as well as XXXX XXXX regarding funding being exhausted and the application being deferred to the other program. After receipt of the last communication XX/XX/XXXX, I was contacted by FCO ( Fair Collections & Outsourcing ), a collection agency for the balance remaining for rent for over $ XXXX. I moved out of the home in XXXX to prevent additional charges being incurred once I realized my application wasn't being processed in a timely manner and have been in constant communications with my property manager, but without notification the balance was sent to a collection agency. I would like to know what recourse I have in order to protect my credit. I have a feeling this agency will attempt to take me to court, and I am very concerned about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a medical bill appear on my credit file a couple months ago FROM XXXX XXXX XXXX I contacted the CREDITOR and the account was settled I provided paperwork to the credit bureau and the collection was removed. The collection has now appeared back on my report THROUGH XXXX XXXXXXXX XXXX I submitted my paperwork for the company and the credit bureau refuses to remove incorrect information. The balance shows {$0.00} however the account is reporting as unpaid.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Equifax and XXXX violated my consumer rights by not allowing me to access my consumer report. They would not allow me to see my consumer report on XXXX even though I verified my identity.
Product: Credit card

according to report someone opened a chase jpmcb card without my consent or knowledge
Product: Credit reporting

I have attempted to remove incorrect account information on 3 separate occasions, including in writing. The result state that the Credit Bureau has verified and the item in question belongs to me. I have asked for that proof. I have not received any proof that this collection account is mine. The FCRA specifically states that you must provide proof that this account belongs to me. I do not owe this debt and I am certain you will not find my signature or authorization for this account. I have stated that my name is similar to many and my identity has been confused with other similar names. If this account is not resolved within 30 days I will pursue additional litigation and request the state attorney general to include my case with their investigation and pursuit of criminal pursuit against your bureau and credit reporting agency. 
XXXX XXXX XXXX Account # XXXX.
Product: Credit card

I applied for my own credit and was denied through WellsFargo Bank. 
Application ID # XXXX My rights have been violated and I'm exercising as per the equal credit opportunity act. I extended my application of securities and received no valuable exchange. 
I demand for my application to be approved or for my application to be returned. 
Deniel of this request will result in securities fraud. 
Regardless of the reason you have denied me my own credit this falls under discrimination and I have been injured. 
Being denied my own credit has brought me humiliation and heartache. 
I also never singed or agreed to any written consent to my private information to be sold or extended to a third party such as a credit reporting agency. do to this fraudulent activity my credit has dropped and ive been injured in many way for this.
Product: Debt collection

XXXX ( Equiant Financial Service ) offered me and my husband a timeshare while on vacation to XXXX XXXX, Nevada  in XXXX XXXX, 2019. Under consideration, we completed the application process but the following day decided not to move forward with the contract. We was given five days to cancel without penalty. After many attempts to reach XXXX, the number provided was incorrect. I finally located a valid number, contacted XXXX, to proceed with canceling the contract ( loan ). 

I was assured by the representative it was canceled. However, I found a charge on my XXXX XXXX and XXXX card where a transaction was processed without my authorization. I disputed these transactions and was given a full refund as the investigation deemed I was not liable. The company, XXXX was notified. However, months later, during an application for a home loan, I was notified there were derogatory marks on my credit report for the timeshare. 

The company XXXX has not provided documentation as requested confirming cancellation and refuse to provide any legal document, confirming there is a contract. Moreover, after many attempts of contacting them in XXXX, the representative and supervisor refused to provide documentation and only requested I pay a large sum of money to satisfy a debt, that is not legally mine. 

They refuse to further assist me. I am seeking immediate resolution to remove EQUIANT FINANCIAL SVCS XXXX TimeSharedLoan XXXX11fXXXX all three credit bureaus.
Product: Credit card

Capital one has decided to stop excepting debit cards for payment and has not notified any of the customers. This is creating an extreme hardship for me as I am in the process of moving and do not have access to my banking details other than my card that I pay with every month. I am now unable to pay capital one because I dont have all my banking details handy right now. This makes me look bad and affects my credit score because they are incompetent.
Product: Debt collection

I receive a medication at XXXX Hospital located in XXXX, NJ. I have been receiving the drug there since I stopped going to XXXX medicine in XXXX XXXX for the same reason for the same reason. XXXX, the company that manufactures the drug placed me in an assistance program that gives me the drug called XXXX for free. XXXX hospitals send claims for the drug to my health insurance making claims as if they purchased the drug in their own pharmacy. XXXX medicine has already sent my bill into collections even though I have made many attemps to resolve this issue by getting funds from drug copay assistance programs, that they refused to accept. XXXX hospitals wait until a year later to inform you that you owe them money which I had no idea about because I thought that I received the drug free through XXXX, the company that makes the drug. This process has been a nightmare. The do n't even want to resolve the issue when XXXX calls to discuss the issue.
Product: Mortgage

There are several issues here : -Lakeview/XXXX made a mistake by only charging me $ XXXXmonth and removing taxes from my payments and not telling me. I set my rental property to my mortgage payments. Had Lakeview/XXXX not made an error and set my monthly payments accurately, I would have set my rent differently. Lakeview/XXXX should be responsible for the shortage. 
-Taxes Lakeview/XXXX did not pay in 2017 were roughly {$6000.00}. {$6000.00} is the difference they need to make up. How do my payments go from $ XXXX/month to $ XXXX/month? This does not make sense. 

Again, for the taxes that LakeviewXXXX did not pay in 2017, they should be held responsible as neither I or XXXX XXXX  told them to stop paying the taxes.
Product: Student loan

Aidvantage has involuntarily removed me from automatic payments on several occasions over the past few years, thus suspending the 0.25 % interest rate deduction on all of my loans for automatic payment and involuntarily increasing the interest charged on my loans. I have had to re-enroll on these occasions, paying more interest than I should be from some unknown/unspecified date. 

On XX/XX/XXXX, I received a series of letters dated XX/XX/XXXX from Aidvantage telling me that all of my student loans were being automatically enrolled in an in-school deferment and I was suspended from the automatic payment program, that my interest rate deduction was suspended and back dated to XX/XX/XXXX! 

While I did XXXX in XXXX, I verified via a phone call in XXXX that my past loans would remain in repayment status and I would continue to make automatic payments on all those loans, which I did, with my last automatic loan payment being processed on XX/XX/XXXX. 

I have spent the last 2 days trying to resolve this issue. Per a letter received from Aidvantage, they will be processing a removal of the deferment, which they list as happening on XX/XX/XXXX, but they will not be reinstating my automatic payments until XX/XX/XXXX! " The deferment or forbearance on your loans listed below will end on XX/XX/XXXX. XX/XX/XXXX As a result, your payment of {$660.00} will be automatically debited from the designated checking or savings account beginning on XX/XX/XXXX. '' I have tried consistently to pay my student loans, to have them enrolled in automatic payments to reduce the interest rate, and Aidvantage has done everything they can to thwart my repayment and to not only charge extra on my loans by periodically removing me from automatic payments, but also by retroactively removing my automatic payment interest rate deduction retroactively, months after payments have already been made! 

I have worked with the reps in the past and have tried to attribute the issues to issues with their systems, but this is outrageous. I am sure I am not the only one being preyed upon by these " system glitches ''. 

In addition, I recently tried to pay the interest accruing on my XXXX new student loans, and Aidvantage misapplied my payments to the principle while still charging me interest on the full orignal balance. The rep I spoke to kept insisting that my payments were applied to the interest, but that the principal balance would be reduced instead of the interest accrual amount. 

After that conversation, it became clear that Aidvantage is purposefully misapplying payments and erroneous interest rate calculations to prey upon student loan recipients who either don't have the time or the ability to untease all the illegal " system glitches ''.
Product: Payday loan, title loan, or personal loan

on XXXX XXXX i has applyed for an loan of {$250.00} an they denial for any income discramatation that i believe and i also were still treat unfairly previously years doing on XXXX and today XXXX XXXX i has contact check'n go to confront to them about my complain and they not able to explained the reason at all
Product: Checking or savings account

Good morning bank services Trought out the magnitude of the malpractice judgment from XXXX - XXXX XXXX - Judge XXXX -along attorney in the case involved. During the time I invested payments under the contract abroad to XXXX XXXX XXXX to his account in XXXX XXXX XXXX  XXXX XXXX and fast transaction wire transfer from my account XXXX XXXX . About one in half year since XXXX to several personals contractual business accounts attorney and others affiliates I got losses of the business due of wrong and fraudulent practices of monies and reproduction of documentation ( fake reports ) copies to proved - in divorce case Discrepancies and unlawful judge decision loss of restaurant in XXXX XXXX Back up taxes - in the landscaping business and abroad restaurant - XXXX  legal busines registered XXXX XXXX XXXX XXXX XXXX bank investigating support on the matters Sincerely,
Product: Payday loan, title loan, or personal loan

I submitted an application on XX/XX/2023 and was advised to put in the requested amount up to what I was approved for. I provided the requested information then was advised I was denied. When I contacted customer service, I was advised by XXXX that he couldnt provide information regarding the decline and I would need to check my email. After checking my email I discovered the denial reason was for bank account activity. I called back and spoke to XXXX again who spewed nonsense at me and stated for privacy they couldnt provide further details. How is it a violation of privacy when Im the consumer? This sounds like a load of garbage and companies like this need to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD added new hard inquery and lower my score by three points, I didnt do this hard inquery, i was shopping at a XXXX and they always say get XXXX XXXX off if you get to apply for their credit card, for me i look at it as if someone at the mall get discount if you get approaved but JPMCB CARD which i never read there name becuase i was at XXXX, immediately missed my credit score with three points where at a XXXX the result was wait a week or more so i never asked or allow this JPMCB CARD to publish on my credit report, I didnt apply or read the credit card name. 
you can try to shop at XXXX and see how your shopping card comes out XXXX XXXX  less if you qualify for their credit card its like huge discount XXXX XXXX any body would click on it so why three credit score is down without giving the discount of XXXX XXXX 
its like they hunt not giving discounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the account from my file. 
XXXX XXXX XXXX XXXX : {$3900.00}
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Checking or savings account

I mailed a check to XXXX XXXX XXXX sheriff for XXXX and someone altered the check to XXXX XXXX XXXXXXXX XXXX for XXXX and my bank Wells Fargo let it go through I am a victim of check washing I want the bank to return my money They failed to monitor this suspicious check I closed my acct but they are delaying the return of my money
Product: Debt collection

Want USI, XXXX XXXX to stop harassing. Debt to XXXX XXXX of XXXX from XXXX2008 to stop. In over 25 calls just now got their address. Threatened that complaint has been made. They said they are bonded in TX but could not find them on XXXX site. This is beyond RD 4 year statute of limitations. They are calling family members and their family members
Product: Credit reporting or other personal consumer reports

I'm deeply distressed and frustrated to discover numerous fraudulent accounts on my credit report, severely impacting my creditworthiness. As I'm in the process of buying a home for my family, this unfair situation is incredibly concerning. Despite my efforts, I've encountered difficulty in getting these accounts removed. Moreover, given that my information was part of the Experian & XXXX breach several months ago, I expected better protection of my consumer report. 

I feel let down and violated, as my privacy and fair treatment, as guaranteed by federal law ( 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ), have been compromised. This situation is causing me significant emotional and mental stress. It's also unlawful for these companies to furnish people 's information to third parties, constituting neglect and fraud. 

I've already reported this matter to both the local police department and the Federal Trade Commission. Legal action against these companies and credit bureaus for the damages incurred seems inevitable. This ordeal is not only impacting my financial well-being but also this is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; 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 XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian : LLC XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Unauthorized Inquiries The purpose of my letter is to dispute the following XXXX XXXX inquiries that are wrong and unauthorized. Please remove them from my Experian credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 



# XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX- XX/XX/XXXX # XXXX XXXX XXXX XXXX- XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX- XXXX XXXX # XXXX XXXX XXXX XXXX XXXX- XXXX XXXX # XXXX XXXX XXXX XXXX- XX/XX/XXXX # XXXX XXXX XXXX XXXX- XXXX, XXXX, XXXX # XXXX XXXX  XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX the account was reported as a charge off and is affecting the credit profile negatively. The reporting of this account is incorrect as I see a balance after it was reported as a chargeoff. I urge your agency to re-investigate and provide all of the missing information. Explain why there is a past due balance while the report shows it as a chargeoff. You know this is a violation. I demand the immediate deletion of the account to ensure that your agency is reporting full and only complete information on my account.
Product: Checking or savings account

On the dates of XX/XX/2022 and XX/XX/2022 {$1600.00} was sent XXXX. This ended up being a case of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter in the mail to look at my refinance options on my car. Once I spoke to the gentleman he took my information and said he would do a soft credit check to see if I qualify. After a few minutes he came back in the line and said he could not give me a better rate than I have now. I have a 10 % interest rate with XXXX credit so I was baffled that he said that he said he could not help. A few weeks later it came up on my credit report that there were 2 inquiries from Axos Bank on XX/XX/22. I was mislead about the inquiry and even with that the company did nothing for me. I dont believe what was done was fair.
Product: Credit reporting or other personal consumer reports

I SAW MY CREDIT REPORT AND WAS STILL DISAPPOINTED WITH HOW UNAUTHORIZED INQUIRIES ARE STILL REPORTING ON MY END
Product: Credit reporting, credit repair services, 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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Product: Credit reporting or other personal consumer reports

I have no knowledge of these inquiries, Ive not consent or authorized to any of these inquiries at all. This is fraudulent Remove all inquiries.