23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I don't recall having a contractual relationship with this collection company XXXX XXXX XXXX XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account #, XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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
Product: Credit reporting or other personal consumer reports

I went an requested a report fromXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX waited for them to email the report. Following the notification email I tried to retrieve the mentioned report. When trying to do so EWS deactivated the account. I tried to retrieve the account and called their customer support line listed at the end of the email they sent when I was told my account was denied a request to change the passwords. 

The rep attempted to reinstate access to my account only for it to be denied when I ended the call with them. This was a total of 6 times. 

EWS is preventing me from accessing my report due to the intention that they know I am going to dispute fraudulent reporting on my file. 

Because EWS has not complied with the FCRA the report is now compromised and everything listed on the report is no longer held with merit and accuracy. The report is also a result of identity theft and the service denied my request to submit the appropriate affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to obtain my credit file failed, I downloaded the XXXX request form and mailed it certified mail. I received only my XXXX  file and a post card addressed to me requesting a copy of my drivers license, utility bill, insurance documents, and/or bank statements. I am XXXX years old, and maintained residency at the same location more than 30 years. No company name appears on the post card only address XXXXXXXX XXXX XXXX XXXXXXXX Tx XXXX. The information I provided on the form was sufficient for XXXX  and I find this request abusive and harassing.
Product: Debt collection

I received a call from XXXX ( XXXX ) XXXX from a company called EOS - EOS, XXXX XXXX XXXX, XXXX, MA XXXX attempting to collect a $ XXXX debt for a private student loan I received and paid off. They provided me with a home address that I was completely unfamiliar with, but appeared to be the location where my cosigner lived, someone I am no longer in contact with. This debt was paid in full years ago. I told them any attempt to collect any debt should be sent in writing to my home, but they were unable to verify my home address. Further, the only information they were able to provide me about my account was my date of birth, the name of my college, and the name of my co-signer and his address and a debt amount of XXXX. When I told them that all of my student loans were paid in full, they asked that I fax verification to their company at XXXX XXXX XXXX. Upon XXXX  this company, it appears they try to collect on debts that have already been closed, and report to credit agencies. If that should be the case, I would dispute it because these accounts are closed.
Product: Credit card or prepaid card

I purchased a time share in XX/XX/XXXX from XXXX XXXX XXXX, three total payments of {$1700.00} on XX/XX/XXXX and then two on XX/XX/XXXX for {$1100.00} and {$10000.00} for a total of {$13000.00}. I purchased a time share with trading for another resort using XXXX XXXX. 
I would NOT have purchased if there were no " trading privileges ''. When I tried to uses the service I was told I wa n't a member, " my contract number wasn't valid ''. I called and wrote the company in XX/XX/XXXX to request a refund after being given the phone run around since XXXX of XXXX when trying to book a trade of the unit. 
On XX/XX/XXXX I contacted Capital One to dispute the three charges. Since then these charges have been credited and recharges numerous times. I did receive a letter from XXXX XXXX XXXX in XX/XX/XXXX releasing me of the contract and sent a notarized release on XX/XX/XXXX. I signed, notarized and returned this document on XX/XX/XXXX. When I contact via phone Capital One they explain " it's being investigated ''. 
I FAX copies of these documents to Capital One on XX/XX/XXXX, no reply. I feel when I call, I must start over on the claim. They have assigned various case numbers, XXXX,XXXX,XXXX,XXXX   & XXXX. 

On XX/XX/XXXX rather then submitting a payment, I wrote requesting a final credit of {$13000.00} plus a reverse of any interest of late fees. Finally I like Capital One and would like to use my card again, without resolution I can't continue as their customer.
Product: Credit card or prepaid card

In XXXX of this year, my wife and I visited XXXX, XXXX for our honeymoon. We stayed in a XXXX  all-inclusive resort, and were asked if we would like to tour the property and receive a free breakfast and a gift certificate to the on-site spa. They said it was not a sales pitch, it was something that they offered guests who were interested. We agreed, and took part in the tour the first morning of our stay. The breakfast ended up being the normal buffet, which is always free anyway, which made us a bit suspicious. At the end of the tour, we were taken into a room to receive our spa certificate, and they began trying to sell us a vacation discount club membership. We declined multiple times. At this point, it had been five hours, even though they had told us the entire tour and breakfast would last for an hour total. After receiving multiple discount offers to join the club, we finally agreed, thinking we would simply cancel the membership once we were back from the trip. We were told there was a 30 day cancellation period. They then brought an XXXX with dozens of places that we were supposed to sign. The employee held onto the XXXX, and scrolled through it quickly, telling us to press a button in each spot they wanted our signatures. We both felt extremely uncomfortable and pressured throughout the experience, and were often unclear about what was happening due to the language barrier. We tried to stand up and leave three times and were stopped at the door and taken back to our seats each time. After returning to our home in Tennessee, we reviewed the login information we had been given and got online to cancel. At this point, we found that they had opened a credit card in our names at Barclays Bank, and had been charged {$2000.00} USD. We contacted every company involved, with the vacation club refusing to cancel our membership, and Barclays telling us that they would investigate. A couple of weeks later, we were contacted by Barclays, and were informed that we were required to cancel the membership within 5 days of signing, which we did not do ( again, we had been told 30 days ), and that they would not be cancelling the charge, and that we would continue to be charged monthly. We feel completely taken advantage of, have never used any of the " benefits '' of the club, and have been trying to get out of it since the very beginning. Please help!
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2022 Wells Fargo bank closed both our XXXX XXXX accounts due to our XXXX XXXX XXXX XXXX. 

Wells Fargo sent a Cashier 's check to our nomiated U.S. address in XXXX XXXX, Florida. 

As our only U.S. bank account has been closed and we are XXXX XXXX residents a U.S. USD cashier 's check does not work for joint accounts so we require an International Money Transfer. 

The total sum due is XXXX USD. Of concern, and very confusing, we received a Wells Fargo Cashiers check for the sum of XXXX USD. Not confidence inspiring. 

The Cashier 's check was returned to Wells Fargo with a completed and XXXX Wells Fargo Account XXXX and Withdrawl Request form. This form included an XXXX XXXX from the XXXX XXXX authorities as requested. This package was sent via XXXX courier and received by Wells Fargo Bank, Exception Payments Account XXXX department in XXXX, MN on XXXX XXXX at XXXX. 

To date I have logged a minimum hold time of XXXX XXXX on a number of toll free contact numbers provided by Wells Fargo and not one answered. 

Subsequently I have sent a second letter asking for a status updated on the requested XXXX XXXX XXXX. This was received on XXXX XXXX at XXXX and to date there has been no response. Still no toll free number answers. 

I understand that there may be a back log as Wells Frago probably have closed alarge number of accounts but an acknowledgement takes little time.
Product: Credit card

I received an unsolicited credit card from Synchrony Financial for " XXXX XXXX '. I do n't know of any financial connection to either company. 
I opted out of all prescreened credit card offers as recently as 2013. Therefore I believe XXXX or XXXX companies are violating the law.
Product: Checking or savings account

I tried to open a core checking account last year XX/XX/XXXX at BANK of AMERICA online. Was not approved immediately, the system was pending. Never received any mail from BANK of AMERICA, never received documents, never received ATM card.

<1>This year XX/XX/XXXX I got to know that BANK of AMERICA was charging me XXXX   dollars monthly fee every month, totally XXXX dollars or more till now. ( I do not recognize that. Never used Bank of America Service at all. ) <2>Also BANK of AMERICA blemished my debit and credit report at certain credit reporting agencies, because BANK of AMERICA claim I owe monthly fee as unpaid debt. ( Information sharing was not authorized in any format. ) Talked with BANK of AMERICA on the phone in XX/XX/XXXX. Did not solve the problem.

Account number XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was current on my car payment before I reached out to XXXX and asked for a payment accommodation due to XXXX XXXX XXXX which was granted by XXXX, I was surprised when I check my credit report and XXXX still reported my account late after I reached out, asked for accommodation and explained my financial situation due to the of XXXX XXXX Account # XXXX 60 Days Past Due ( XX/XX/2020 )
Product: Credit reporting or other personal consumer reports

I was laid off from my employer on XX/XX/2023. I contacted XXXX regarding my loan payment to request a deferment for the upcoming payment. This is also my 4th loan with this company, so this is not the first time I have deferred a payment. I was never informed of any change in their policy ; hence, I expected my account to be automatically drafted after this deferred payment. This was the case with all 3 loans, as I have faced layoffs during the turbulent mortgage industry staffing cuts. 

In XXXX, I received notification of my credit score dropping. From XX/XX/2023 to XX/XX/2023, I have received notifications of my credit score dropping a total of XXXX point due to this one account. I contacted XXXX and told a complete lie. In the attached email, the representative states that I had the ACH access cut off, which was never the case. In addition, she states that I was told I would need to restart the payments. THIS IS A BLATANT LIE. I have never had to contact the company to restart the payments. I also advised them to restart the payments when we spoke in XXXX. The company has made no attempt to draft my account. The account continues to spiral downward and have a tremendously negative impact on my credit. 

In addition to this, I have contacted the XXXX XXXX XXXX XXXX XXXX XXXX  and it is my understanding that they are working diligently to bar this company and companies like it from doing business in Georgia, as they are considered " payday loans. '' XXXX to my limited credit, I have used this company because it reports to the credit bureaus, and I saw an increase in my score. However, they are ruining my credit and will not stop digging me or collecting the payments. It is total insanity. 

Lastly, I have had to make a consumer dispute regarding their report on my credit previously and it took months. I am attempting to find an apartment and I need them to correct this asap.
Product: Debt or credit management

Portfolio Recovery is collecting debt for XXXX XXXX XXXX for the amount of XXXX. I do not own a credit card with XXXX XXXX. I was not aware of this account until I saw it on my credit report. I have been battling identity theft. I would appreciate if someone looked into this and would take this off of my account.
Product: Consumer Loan

On the companies website, they show a due date which is not the correct due date. I made payments for two months and found out that I was late even though I was making payments by the date that I thought was the due date. I told the company what happened and made sure that I paid by the due date they told me on the phone and eventually paid the account off in full. I asked if the late payments could be deleted because their due date showing on their website is not my actual due date and they have told me no numerous times. I even told them this was holding me back from buying a house and they did not care and said no. 

When you are late, they do not call or send an email notifying you that you missed a due date so you can catch it before it 30 days late. They do not send anything in the mail notifying if you are late. The only way you are notified is by a credit report update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these same accounts last month. These accounts are not mine. Please remove them. I am not a credit repair company nor a mortgage company.
Product: Mortgage

We have been trying to work at length with work with the company. We were heavily effected by XXXX  XXXX and have been actively working to get all of our finances put together after the absolute devastation of it. My wife also has a rare hereditary bXXXX XXXXXXXX that requires routine XXXX XXXX XXXX XXXX during the heaviest part of the pandemic shut down we were unable to get some of these done and with alot of XXXX  XXXX  in our area leaving or quitting because of not wanting to get the XXXX. We have had to start all over with some and the rest are over XXXX hours away so it poses an extra bit of stress with work and being able to make/take phone calls to handle things. We have had some forbearance options in the past. I was not paid for a year due to the company shutting offices down because of covid. We have been in constant contact with the company and were told that we could get the account modified. During some of this process as we continue to send in all requested information and contact those we were told to do so. In the midst of these the note holder has changed several times between XXXX XXXX XXXX and XXXXXXXX XXXX in UT, CA, etc. We never know who we are working with. We have been told over and over we qualify- I served in the XXXX XXXX XXXXXXXX and they have said that is part of why we qualify. We work with someone at length and then try to follow up and are told that they no longer work there and that there is a " high turnover '' - how this is something that we should be punished for when we are acting in good faith providing all that is asked and even made recent payments. One of which was sent via wire and were returned minus the total amount that was sent. They have two payments that have somewhere in their suspense account. Have been battling for over a year - We just want to be current and pay our monthly amount and have them follow through. They have been very inconsistent. They really need to honor it
Product: Debt collection

This company reported a collection action to my credit report without ever contacting me. This is a clear violation of the Fair Debt Collection Practices Act. Per the FDCPA, the collection agency must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. This NEVER occurred. I received NO letter, NO email, no phone call. NOTHING! I was denied my right to dispute this debt ( which I emphatically do! ).. Disputing the debt would have required this company to pause all collection actions during the dispute. This NEVER occurred!!! 

My rights have been violated and my credit ruined!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account on my credit report with Experian. 

They show an account with XXXX XXXX XXXXXXXX on my credit report ( this account does not show up on my XXXX or XXXX credit reports ) that I have never seen in my life. 

I've contacted multiple people at XXXX XXXX XXXXXXXX who have confirmed that there is no record of my social security number or name in their system. The account in question was opened in XXXX, when I was less than XXXX XXXX XXXX. My family has never worked with XXXX XXXX XXXXXXXX either. 

I disputed the issue on XX/XX/XXXX and the dispute was closed XX/XX/XXXX as a valid report. I have called Experian and they have refused to provide any additional information about this account or how I can dispute it further. Nobody I've spoken with at XXXX XXXXXXXX XXXX knows how to assist me further with this issue. 

I spent over 3 hours on hold with various representatives at Experian today who have been rude and disinterested in helping resolve the matter. They tell me the dispute was closed and is considered resolved. Today, XX/XX/XXXX, I spoke with 'XXXX  ' at XXXX EST at Experian and he refused to help me escalate the issue within Experian or connect me with his manager. 

This inaccurate credit report is severely impacting my ability to be approved for a new home mortgage and, if it is approved, is severely impacting the interest rate of this mortgage. 

Experian is abusing their power as a credit bureau and needs to be held accountable for their inability to do the only job they are responsible for.
Product: Credit card or prepaid card

On XX/XX/2018 at approximately XXXX CST I attempted to use this card to pay a charge from my tree service. The merchant called me back 5 minutes later and stated that the charge had been declined. Because of ongoing problems with Capital One and another CFPB complaint ( XXXX ) it looked like a Capital One issue, so I called their " Customer Service '' dept. 
I was told by a CS rep that the charge had been declined due to a " fraud authorization strategy. '' She was unable to tell me either what was wrong with what the merchant had submitted or what I needed to do to pay my tree service their {$2900.00}. I asked and was transferred to fraud dept. 
The first fraud rep was unable to tell me either what was wrong with what the merchant had submitted or what I needed to do to pay my tree service their {$2900.00}. She responded to those direct questions with boilerplate and platitudes. I asked for and was transferred to her manager who repeated that boilerplate and those platitudes. I hung up and called back, reaching " XXXX in XXXX at approximately XXXX CST. 
When I attempted to complain about the previous reps, XXXX chastised me for not obtaining their IDs. I asked to be connected to XXXX in the Executive Resolution Dept., as she was handling my previous complaint. He again chastised me for not having her ID although he never gave me his! He said he would try to find her but instead cold-transferred me to the CS queue. 
I called back and spoke to XXXX XXXX in XXXX VA at XXXX CST and left an urgent message for someone from exec resolution to call me. Nobody has called me. 
Yesterday I spoke to XXXX XXXX. She immediately gave me the information needed to have the merchant successfully resubmit the transaction. What awful customer service you have provided, Capital One!
Product: Credit reporting or other personal consumer reports

Credit Bureaus refuse to investigate or even properly reinvestigate disputed accounts listed in this complaint. 
Furnishers report differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Product: Student loan

I am having major problems with receiving incorrect information from the service provider who is now Navient. They have repeatedly given me wrong information over the phone. I was told that I could do a XXXX payment that would take care of the loan for 3 months. They have consistently given me misinformation that is costing me my credit and higher interest rates along with putting me into default. They took my payment and changed their story saying I did not qualify even though they debited my checking account. This is causing me to default which I believe is intentional to drive up my rates. I was dealing with a lady named XXXX who has given me a vary hard time. I was hung up on. I am hoping to obtain an attorney. I am very upset, this is putting me into default and is appears to be intentional at this point. They have repeatedly also given me misinformation in regard to their credit reporting as well. I need help and hope to obtain an attorney for this. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax keeps updating and reporting accounts that are not mine and saying things like account is only XXXX days old etc. Equifax is reporting different amounts owed and different variations on the accounts, and my whole credit report. I have requested them to remove the fake information, I have sent police reports and FTC reports and reported the fraud on my credit report from them. I have sent certified mail to them about everything and I get the green slip back from the post office showing they got it but then they say that they have never received it at all. I have called them and they say since they are in a different country that the American Fair Credit Reporting Act does not apply in their country. They wait over the 30 days and never fix the problem. They report payments on accounts after they accounts were closed and paid in full. I am not sure how that is possible. I feel that Equifax has repeatedly and severely violated my rights on reporting, and continue to damage my good credit as a American consumer and person.