23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I enrolled in auto pay but the servicer is not taking the payment on the due date and I keep getting dings for late payments. They servicer is XXXX that chose the auto pay date and I am unable to modify. 
I called and emailed several times to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent EXPERIAN and XXXX  5 letters disputing an charge off in the amount off {$3300.00} from XXXX  XXXX. Experian and XXXX  did not verify the accounts according to Federal law nor supplied me with any copies of Original contracts with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and did not delete the unverified information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXXXXXX : XXXX -- -> : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous of time trying to get XXXX, Experian and XXXX to remove incorrect Bankruptcy information off my credit report. I have contacted the US bankruptcy court and XXXX XXXX and both stated they do not provide public information. XXXX XXXX has removed the incorrect entry from my XXXX XXXX report. I am attaching all the notices sent to the credit reporting agencies. Each agency states that they verified the bankruptcy with XXXX XXXX but XXXX XXXX states that they cant verify the bankruptcy and removed it from there file. Can you please help with getting this remove from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both XXXX  and Equifax and I have asked both companies to remove the fraud alert from my credit file. I have sent letters to Equifax and XXXX   along with the written request to remove the fraud alerts totally from my credit report, and in those letters I have included my driver 's license, a bill and a copy of my social security card, with the request and neither of them have removed the fraud alert from my credit report and it has been more than 30 days and neither of them have even responded to my request, and I have sent certified correspondence to both Equifax and XXXX so that I could prove they received and signed for the package including my request and they have not contacted me back after 30 days in anyway. 

The problem that I am having is that I am not being allowed to open bank accounts, credit cards that I do want because the companies state to me they will not establish these accounts until the fraud alert is removed in its entirety so this is preventing me from being able to conduct any personal financial business.
Product: Debt collection

I sent State Collection Service, Inc an Affidavit of truth, Cease and Desist, and Debt Validation letter on XX/XX/2021. State Collection Service , Inc received the package on XX/XX/2021. They were given 30 days to respond and have not. An unrebutted Affidavit stands as truth. 

State Collection Service , Inc is in violation of 15 USC 1692b ( 2 ) State Collection Service , Inc is in violation of 15 USC 1692b ( 5 ) State Collection Service , Inc is in violation of 15 USC 1692d ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 have violated my rights. 


15 USC 1681 Section 602 states I have the right to privacy.

15 USC Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is obligated by the FCRA to report accurate accounting. Consumer has advised ALL collections reporting was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report has been filed on behalf of consumer, consumer is now requesting EXPERIAN to provide the documentation used to determine these accounts are indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet signature. Consumer is NOT asking for an e-Oscar report. If EXPERIAN doesn't have documentation to show these were in fact authorized by the consumer it must be removed ASAP. SAID company is liable under the SEC to follow certain rules EXPERIAN XXXX XXXX AKA EXPERIAN XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Floor XXXX XXXX XXXX New York XXXX, i will be filing form 211 treasury omb forms to audit consumers account EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT
Product: Credit card or prepaid card

On XX/XX/XXXX purchase was made from my business credit card with Bank of America at XXXX XXXX XXXX in XXXX XXXX. in the amount of {$460.00} Called BOA Rep to report it. They said there was no phone # associated with that entity. 
They said that the card was " swiped '' at a terminal and a PIN was used. 
This card has never left my possession and I have never been to this location. 
I also have never used a PIN # BOA Rep said they would start a thorough investigation and that it could take up to 90 days. Not too long after that I received a letter from them saying they had thoroughly investigated the fraudulent charge and that they could not help me as a scan was made at the purchase. Which duh! we had already determined. 
However, I repeat : the card never leaves my person or place of residence, which is XXXX XXXX in XXXX XXXX. 
Note : this had happened once before at a terminal in XXXX. Same story, it wasn't me. And BOA did dismiss the charge. Of course I always immediately cancel card and request a new one. 
Our business has been a customer of this credit card company since XXXX. There are 5 of us issued cards with them. Monthly statement balances are always paid in full and on time.
Product: Credit card or prepaid card

On XXXX as I was buying XXXX XXXX  tickets on the XXXX website there was an offer for cash back on the tickets if I got a credit card. I applied and got the tickets. The next month, I received the credit card, a letter about an error, and the bill with no discount on the tickets. I spent a day calling to get a customer service representative to find out how much to pay. I finally talked to XXXX XXXX she took XXXX $ off and took payment for XXXX $ from my checking account and closed the account for me. I thought that was the end of it. In XXXX I responded to an email and got no response. In XX/XX/2023 I got a bill for XXXX XXXX I again spent a frustrating day trying to get through to customer support and finally talked to XXXX who filed a dispute. I got no response from that. Ever since I have been harassed by phone calls that just lead to recordings. I wrote to them in XXXX but get no answer.
Product: Checking or savings account

Hello my name is XXXX XXXX. and I am on XXXX and selected to use the debit card that the XXXX uses. The bank is Comerica and the card company is Direct Express. I placed several online orders with XXXX, my account was debited twice for XXXX different orders. I spoke with XXXX to see if they submitted the purchase amounts multiple times. XXXX states that they only submitted the amount once. I contacted the bank ( Direct Express ) to dispute the charges on XXXX different occasions and each time my claim was denied. 
I have 10 different charges from 10 different orders that amount to over {$700.00}! I included my bank statements which show the duplicate charges. and each time Direct Express still denies my claim. I don't know who else to contact regarding this. Any information that you have that would help me, would be greatly appreciated. 
I am enclosing the order numbers, order date, duplicate date & the amount of the purchase. 
XXXX Order Number Order Date Duplicate Date Amount XXXX XX/XX/23 XX/XX/23 {$300.00} XXXX XX/XX/23 XX/XX/23 {$21.00} XXXX XX/XX/23 XX/XX/23 {$17.00} XXXX XX/XX/23 XX/XX/23 {$67.00} XXXX XX/XX/23 XX/XX/23 {$53.00} XXXX XX/XX/23 XX/XX/23 {$100.00} XXXX XX/XX/23 XX/XX/23 {$32.00} XXXX XX/XX/23 XX/XX/23 {$47.00} XXXX XX/XX/23 XX/XX/23 {$4.00} XXXX XX/XX/23 XX/XX/23 {$68.00} Total {$720.00} I am also enclosing the claim dispute numbers that have been assigned to my complaint : XXXX, XXXX, XXXX I would appreciate any and all help in this matter, Direct Express has been very unresponsive to my concerns. Someone from the Claims Dispute department called one day, left a voicemail telling me to call her back at the number on the back of my card. When I called back, which was in a matter of minutes. I was informed that they could not transfer me to the dispute department because they could not receive calls, as they could only call out. While on the phone the representative that I was speaking with informed me that my case had been closed because they had not been able to reach me by phone and my case was once again denied. 
I thank you in advance for any help that you can give me in this matter. Please feel free to give me a call regarding this matter @ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked with the companies online website and they did not have an account linked to me. I have called multiple times and left messages with no response from the company. I have also reached out to my condos owner and sent the letter stating I was behind and they also stated that was inaccurate and I am up to date on all of my payments and never been late or missed. I filed a dispute with experian and they did not get it resolved. Home Point Financial does not even seem to be a real company because I can not get in touch with a real person to get to the bottom of this.
Product: Debt collection

Items in Dispute Closed Account XXXX Opened XXXX XXXX, XXXX  Charge off {$XXXX}
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently have been reviewing my credit report which made me notice that I am a victim of identity theft. All derogatory/collection accounts I do not recognize and multiple inquiries XXXX with XXXX, XXXX with Experian, and XXXX with XXXX as of now. I am currently just starting to understand my credit and really hate this happened to me.
Product: Debt collection

At XXXX central time on XX/XX/2022, Gatestone & Co International Inc of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX called me on my work cell phone. They number they used is XXXX and it is a spoofed number. This is a direct violation of my rights and my cease and desist letter sent to them on XX/XX/2022 where I stated expressly " you can contact me about this debt, but only in the way I say below. Don't contact me about this debt in other way, or at any other place or time. It is inconvenient for me to be contact except as a I authorize below. You can only contact me by mail at : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' Gatestone & Co International Inc. is in violation of my rights and the law and is acting as an abusive and harassing debt collector. As of this submission, they have not produced any documents asserting the debt is rightfully mine and they unable to produce any evidence of such.
Product: Checking or savings account

My driver 's license is in social Security card got uploaded and my phone got connected to a laptop on unknown last night I want to make sure any transactions from my bank or anything with my social security number that I am the first one to know my name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor 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, block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Cash app My phone was stolen and my funds were depleted and I reported once I got ahold of them next thing I know my cash app account was closed down and them saying that I was breaking terms an rules of there company. So now Im without my money that was stolen and no where to turn for an account..
Product: Debt collection

I have Federal Student loans that are in default with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have been trying to get these into a reinstatement agreement since XX/XX/2019. I had sent in the paperwork twice. First in XX/XX/2019, where I was informed the paperwork wasn't correct. However, when I asked what I needed to correct I never received anything in the mail ( which I repeatedly left voicemail messages for ). I finally was able to get someone to help ( not with XXXX XXXX XXXX ), and sent in the paperwork in early XX/XX/2019. After a couple of weeks, I contacted XXXX XXXX XXXX in early XX/XX/2019. The agent I talked with ( XXXX XXXX ),  told me they received my paperwork and that I owed {$5.00} a month, but that my agreement form wouldn't be sent out to me until I made my first payment. On XX/XX/2019 I made my first payment of {$5.00}, on XXXX XXXX XXXX 's website ( Invoice # XXXX ). I then called XXXX back on XX/XX/2019 and talked with XXXX, he told me they didn't have my payment applied to my account. He then berated me, used profane language, and threatened me with not being able to be in the reinstatement program. I gave him the invoice number and he said he would contact their accounting department. XXXX and I were able to get back in touch on XX/XX/2019 ( the date I told XXXX I would call back ). He informed me they still didn't have my payment on my account ( even though it had been 26 days since the payment was processed ). 

It seems like XXXX/XXXX  are lying, as it shouldn't take 26 days to apply a payment to an account. They also seem unprofessional, with the language they use, not speaking clearly into the phone repeatedly, not sending stuff through the mail when requested, and threatening to remove people from programs they have no authority to do ( only because I wouldn't give him my debit card number over the phone ).
Product: Credit reporting

I have notified Equifax numerous times about this XXXX Credit Card that is still reporting on my credit report. That balance was written off from XXXX last year. Once a balance is written off from the bank they claimed it to offset their business taxes. The bank has not updated Equifax on this account. It needs to be removed from my credit profile. 

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

My Wells Fargo XXXX credit card was closed by the creditor, it is in their collections. They added a new late to my credit report. If it already charged off or closed, can they continue to apply lates hurting my scores?
Product: Mortgage

My father provided me with with a down payment for a house on XXXX acres of land in NH. My mortgage loan was approved for {$150000.00}. After the mortgage loan was approved, the seller stated that he would only complete the transaction if an additional XXXX acres was included in the sale for an additional {$60000.00}. We made a sales agreement for the additional land and paid for it directly to the seller. At the closing the mortgage and deed included the dwelling and the entire XXXX acres. The closing process should have deeded the dwelling and XXXX acres to me as approved on the mortgage application. The additional XXXX acres should have been deeded to my father and mother because they purchased that parcel of land on a cash basis. The original mortgage was held by " Country Wide ' but is now held by Bank of America. Bank of America will accept an application for release of the XXXX acres. The request application carries a charge of {$500.00} and only provides a review of the situation. I think it is unfair to have to pay {$500.00} to Bank of America to consider my request. In fact, further review of the attached documents will clearly show the said XXXX acre tract was clearly purchased and paid for in-full at the closing. The XXXX acres of land in question, therefore, should not be included as security on the current mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth time filing a complaint regarding this matter! 

I contacted the credit bureau to inform them that these companies had performed UNAUTHORIZED inquiries on my report and the bureaus stated I needed to contact the companies individually, which I did and the companies stated they had no knowledge of these inquiries and I needed to contact the credit bureaus. The bureaus are refusing to remove these inquiries and it is causing problems with my credit profile. Several of the inquiries are duplicates. I received a letter from the credit bureau stating these places have a right to perform these credit inquiries, which is false. If I didn't authorize them, they should not be on my credit report. The credit bureau is still refusing to remove these inquiries. I will attach a picture of the letter they sent. Here are the unauthorized inquiries : XXXX  XXXX XXXX/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 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-XX/XX/XXXX XXXX  XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX-XX/XX/XXXXXXXX  XXXX XXXX XXXX-XX/XX/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  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The credit bureau sent me a letter stating these places have a RIGHT to run my credit, but that is not true. By law, they can not run my credit without my authorization. Even with that being said, the credit bureau refuses to remove these unauthorized inquiries. I have filed a complaint with the FTC. FTC report # XXXX I have reached out to TransUnion more than 5 times in the last 3 months to advise them of unauthorized inquiries on my report. They continue to tell me that these creditors HAVE A RIGHT TO CHECK MY CREDIT WITHOUT MY CONSENT and I know that's not true. I have asked several times for them to remove the inquiries and they still refuse. I have filed a complaint with the federal trade commission against TransUnion. XXXX and XXXX have removed these inquiries. I'm requesting TransUnion to follow suit.
Product: Payday loan, title loan, personal loan, or advance loan

I cashed a mail in check I received from Tower Loan in XXXX or XXXX of XXXX. I had an unexpected XXXX and was out of work for a while and got behind on bills, and needed the money when I received the check in the mail. I made a payment in XXXX and have been struggling financially ever since due to decreased work hours, and just everything being so expensive now. I have stayed in contact with my local branch in XXXX XXXXXXXX XXXX. The past few weeks I have been getting call from XXXX, who said he is the XXXX XXXX. He calls myself, and then he will call my work after o have already talked to him. I have asked him to please stop calling my work but he said he doesnt have to. This week alone I have talked to him Monday, Tuesday, and today. He tells me every time he has to have a payment today or else. I told him the earliest I can pay would be Friday. He then calls my work. Someone name XXXX called me at XXXX tonight and said he has to have a payment tonight, I again explained to him it would be Friday. He then told me that they would continue calling my work if I did not make a payment tonight. I asked him to get them to stop can my work mail a letter telling them to take them off the call list, because I have never consented to them calling my work anyways. He told me that he would personally put the paper in a shredder if I did not make a payment tonight. It made me XXXX XXXX to my stomach. I am 2 months behind and XXXX in constantly threatening to sue me and get a judgement against me. I beg him every time please work with me, I have took out several loans with this company and always have paid back within weeks/ months but I am just struggling financially right now and he states he dont care. I have promised I would pay the loan off completely next month when I get my income taxes but he states he will not wait until then. This company has made me XXXX XXXX and I cant handle the harassment and threatening any longer. Please help me and hold these XXXX XXXX accountable for predatory attempts at scaring someone to death.