23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I no longer have an account there and they still report me to credit bureaus negatively affecting my credit. Had an account only couple months and went with another company ... this has been years!
Product: Debt collection

My wife and I had XXXX internet for several years. We initially bought our modem when we began our service. We moved XX/XX/2015. XXXX XXXX XXXX send us a new modem that we did not need. The technician came to set up our new service and told us we needed to ship the new modem back. We kept the modem that we bought. XXXX XXXX XXXX at that point began charging us a rental fee each month even though we returned the modem. XX/XX/2015, we moved again and at that point ended our service with XXXX XXXX XXXX. We got a final bill saying that we owed them for the modem we were renting. Even though we sent it back. An XXXX XXXX XXXX representative reviewed our account and said that we were actually owed a refund for the rental charge they had been charging us monthly and we were wrongly charged for the non returned modem. They sent us a refund check. Weeks after this, we were still receiving a check saying that we owed approximately {$130.00} for the non returned modem and would be turned over to collections. At that point, I called XXXX XXXX XXXX back and another representative reviewed our account and admitted we were wrongly charged and this would be taken care. We kept receiving letters. I have been on the phone with XXXX XXXX XXXX over 4 times. We now have a collection agency calling us. We worked hard to get our credit scores above XXXX and this has really hurt us.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were looking to purchase a new home and submitted an application for pre-approval. When our Real Estate Agent advised me that I had some collections I needed to pay off, I was confused because I have never ever used my credit for anything ever. I have always paid cash for everything I have ever had or my wife puts everything in her name. I looked at the report and reviewed it and noticed that there were items that belong to my father, XXXX XXXX XXXX, reporting on my credit report. I submitted request on XX/XX/XXXX to XXXX, Experian, and XXXX to advise them that they were reporting my father 's credit collections on my credit report and asked them to remove them. All 3 credit bureaus indicated that they were completing an investigation. XXXX removed all of the items after their investigation, Experian removed only 2 of the 4 items, and XXXX removed 2 of the 4 items as well. I am scratching my head as to why Experian and XXXX only removed 2 items and not all 4 because none of them belong to me. I sent in a written request to Experian and XXXX on XX/XX/XXXX advising them again that they reporting was incorrect and violating my rights under the Fair Credit Reporting Act and also provided them with the finding of XXXX. I also requested that they send me copies of the information the claim to have received to verify that the collection items belonged to me because I knew that there was no investigation done that verified debts that do not belong to me as valid. They have stopped replying after my 2nd attempt.
Product: Credit card or prepaid card

On XXXX XX/XX/22 I checked my banking account and noticed a new credit card listed. The card was with XXXX XXXX. This was very odd because I hadn't applied for anything and certainly not a credit card. I immediately called bank of America to alert them of this issue. A claim was filed, they closed the card and informed me that I would be receiving a copy of the hard copy report in the mail. I then reached out to my attorney and they directed me to this website
Product: Credit reporting or other personal consumer reports

This is my SEVERAL request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX A XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX  XXXX **** Balance Owed : {$860.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$2400.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$450.00} XXXX XXXX/XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$7600.00} ; XXXX XXXX XXXX  XXXX Balance XXXX : {$1100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( XXXX XXXX : XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance Owed : {$1100.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3900.00} XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  along with creditors place negative information on my credit file inspite of the law and the coronavirus pandemic. The president stated that your credit could not be ruined for no or late payments. I have not worked since XX/XX/2020 cut to being a essential worker at the airport with medical underlying conditions. I was denied SBA loan due to XXXX credit report showing late payments and a declined credit score. That was the only factor that stop me from getting money to help my family and I was denied.
Product: Credit card

Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to this companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried numerous times to have this situation resolved with no resolutions.. REMOVE THIS NEGATIVE ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. WESTLAKE PM XXXX
Product: Debt collection

On XX/XX/2021 I called Jefferson Capital because they were calling my personal cellphone repeatedly and I did not know who they were at first. When I found out and called them they asked me if my phone number is ( XXXX ) XXXX and I said " no that is my work number and you guys are not allowed to call that number. '' I then gave them my personal cellphone number and told them that is the only number they are allowed to contact me at. Today, XX/XX/2021 they called my work office and spoke with my boss. They told her they are a debt collector and are trying to collect a debt from me and needed to get ahold of me and that the work number was the one they had. This was not true and I told them specifically they were not to call me at work prior to this. I called them back on my personal cellphone after my boss told me this happened and I told them that is not a number for them to call me at as it is my work and I told them before they were not allowed to call it. They said " we will note the account '' but then proceeded to call shortly after I had ended that call with them.
Product: Debt collection

XXXX XXXX XXXX XXXX  did not send me any notifications of a car payment was behind or in repo status. My husband had the car. Me and my husband separated due to XXXX  XXXX over a year and half now. My husband also got {$5000.00} money from XXXX XXXX for the car in which I recently found out. 
I was getting the run around last year due to covid 1to reclaim 9 in which was going on sent 2 letters to XXXX XXXX XXXX XXXX  with no reply. I was the co signer on the loan in which i could never get no real information to the loan by XXXX XXXX XXXX XXXX. 
I never received any letters of payments behind or the car went into Repo status with XXXX XXXX XXXX. 
There was no notice to reclaim the car in repo or any letters mail to me of any kind to the said car. 
I now received a letter from Revco solutions in which is a collections company. 
I have also talk to attorney about this situation with this loan about notice of the the car payments behind and no letters to reclaim the car when it was going into repo status from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

WHEN I LOG INTO MY EXPERIAN ACCOUNT I CAN NOT UPDATE MY REPORT I HAVE CALLED EXPERIAN NUMEROUS TIMES THIS IT WHAT IT SAYS,,,,,, Sorry, we can't show you today 's 3-bureau report. This might mean that Experian has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. 

EXPERIAN HAS A CURRENT COPY OF MY ID, SS CARD THEY ALSO HAVE A FTC REPORT AND POLICE REPORT THAT SHOW 'S I WAS A VICTIM OF IDENTITY THEFT NOT ONLY THAT I'M PAYING FOR THE PREMIUM SERVICE EVERY MONTH AND IT'S NOT WORKING
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 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: Debt collection

I am writing to formally dispute the debt related to account number or reference number in letter and request a waiver of the outstanding balance. The vehicle associated with this debt, a XXXX  XXXX XXXX, was stolen on XXXX XXXX during this time and, therefore, I should not be held liable for any charges incurred after the theft. 

I promptly reported the theft to law enforcement and have attached a copy of the police report for your reference. 

Given that this situation was beyond my control, I respectfully request that the debt be waived. Please confirm in writing that my request has been processed and that no further action will be taken regarding this matter. 

I appreciate your prompt attention to this issue. Should you require any further information, please do not hesitate to contact me at [ XXXX XXXX XXXX ] or [ XXXX XXXXXXXX ]. 

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

On XX/XX/2021 I signed up for XXXX XXXX rewards only and a credit application was filed. I did not approve this and a hard inquiry was done. I did not recieve a letter of approval or denial and I didn't recieve a credit card. I called XXXX XXXX and they said there's no record of an application. I called TransUnion and they told me they needed a letter from XXXX saying there's no record. I called XXXX and they said it was sent but TransUnion still hasn't removed it from my report. Please help.
Product: Checking or savings account

Chime Bank was due to reimburse me for my account being hacked. They have sent me two fake checks back to back. I need to pay my bills. They have lied to me since XXXX. Very rude unprofessional people. I opened this account in XXXX. My card was activated in XXXX. I never received my physical card. I got one the middle of XXXX. They closed my account out and drew these checks on XXXX XXXX XXXXXXXX knowing they were fake. I have never seen a financial institution due anything fraudulent like this. I have all the emails from them. I need my money refunded asap/
Product: Credit reporting

I called all three consumer reporting agencies about an erroneously reported item on the public records portion of my credit report. The item concerns an incomplete and incorrectly reported judgment from when I filed a countersuit against a landlord ( actually I attempted to file first and she beat me to it ) for improper withholding of a depost and an improper lease. I won the judgment in XXXX Co Special Civil Part - I have a copy of the judgment and a copy of the credit invoice to the plaintiff - a realtor. I spoke with a Indira in the XXXX XXXX Post Judgment Team - who confirms that the court records reflect XXXX XXXX the plaintiff as being held accountable for the judgment and that I won the judgment. Somehow the entity furnishing the information to XXXX, TransUnion, and XXXX has not been accurate and is not being held to any accountability for the accuracy of this report. I contacted all three credit agencies to include TransUnion. The Transunion website wo n't let me enter data - keeps coming up with an error message ( I have a copy ). The transunion online automated reporting system keeps hanging up on me - two hours I 've spent out of a busy day. I am a XXXX - the reason I was even in the aforementioned rental property - and I am trying to run my XXXX. I applied for a loan. My credit is fairly good - and could be great if there was not this GLARING inaccuracy on the reports. The credit reporting agencies have a very flippant and avoidant attitude towards this issue and other ones like it. We are held accountable through financial penalties for processes and issues which may or may not be accurate- while it seems the the agencies and their clients who are paid to report the information to them ARE NOT. This is hurting my credit score and my credibility in general. These are very trying times to start a business of ANY sort in the US and this has been an incredible drain to try to get this recognized and reported correctly. XXXX just has noted the matter as " settled '' on the report - also reflecting that I LOST the judgment. Transunion is not even letting me report it. And XXXX states it has to check with its private vendor of the information even though I sent in the statement of judgment from the court, from my lawyer, and a copy of the entire judgment received from XXXX County Special Civil Part for the docket in question.
Product: Student loan

For the past year I have been trying to negotiate an affordable student loan payment on my private loans. However, ACS refuses to work with me and my payment amount keeps rising. My only option was to consolidate my federal loans to get more deferment since I could not afford to pay both private and federal loans at the same time ( {$900.00} and $ 600/month ). As a result I ca n't participate in IBR for my federal loan. My firm just did a massive layoff and now my only income is unemployment. ACS will only grant one month of forbearance and will not lower my $ 900 monthly payment. 
I do not want to default, but ca n't afford the montly payment. Many of the jobs that I am applying to require good credit so I may not be able to find employment once my loans go into default status.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

In accordance with the Fir Credit Reporting Act, XXXX XXXX XXXX XXXX account # XXXX has violated my rights. This account is not mine and it came back verified. 

15 U.S c 1681 Section 602 A states I have right to privacy 15 U.S c 1681 Section 604 A section 2 It also says a consumer agency can not furnish an account without my written instructions.
Product: Debt collection

In XXXX a company called AMERICAN ACCOUNTS ADVISORS Located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent me a letter stating I owed them {$310.00}. 

I had never seen a previous bill from anyone else for that amount. I realize they are debt collector anc not the original debtor. I asked them to tell me who the original debtor was and what services they provided me. They did not have an answer to either question. 

I am more than happy to pay a bill I owe, but I refuse to reward con-artists and scammers. They should at least be able to tell me who the original debtor is. 

My guess is they found my personal info somewhere and just reported me to the credit bureau in an effort to extort me. 

Please help
Product: Student loan

loan servicer is VERY unhelpful for very simple customer services issues for military service member : 1-payments made toward PSLF are not updated and require many many emails or calls to update. 
2-Income driven repayment recalculations due to changes in income are not properly vetted and despite submitting tax returns and XXXX 's they do not make the changes. 
3-employment recertification is PAINFUL every year. i am in the military on XXXX XXXX but every single year my recertification is denied, rejected, or needs to be re-submitted for one reason or another. 

please help servicemembers receive better support!
Product: Credit card or prepaid card

I lost my card in XXXX and there was a transaction made, I maid a fraud claim and Self Lend told me it would take about 7-15 days to get my money back. They actually took 3 months, then they took it back out they decided to close my account and keep that money. They dont want to give me the money because they said I owe that money, I dont owe anything because that is a secured credit account I deposited {$2000.00} when I opened that account they never lend me anything. They kept taking and taking money from me from fees and statements!
Product: Credit card or prepaid card

While shopping for furniture for my home I opened a Credit Account wit h " Ashley Advantage /  Synchrony Bank '' and was granted a {$10000.00} Credit Limit by the store. This occurred in  XX/XX/XXXX . At the time I ordered some furniture that would NOT fit in the home I was living in. I opted to wait until I moved to my larger home and order furniture. On  XX/XX/XXXX  I went back to my neighborhood Ashley Furniture Store and ordered {$7500.00} worth of furniture from same ( well within my {$10000.00} limit ) I put down {$590.00} as my Sales Associate insisted I at least pay more than the taxes on the bill - leaving a {$7000.00} balance. When the " account not found '' error came up at the register in the Ashley Store I was dumbfounded! The Customer Service desk phoned Synchrony Bank and after several go-rounds with the Customer Service people at Synchrony I was HUNG UP ON ( several times. Synchrony refuses to speak with me - and closed the account without my knowledge or consent on  XX/XX/XXXX  No notification was given and no reason for the account being closed! I was redirected to a Kiosk to re-apply for credit AND was DENIED. Their alternative credit lender is a much higher interest rate company called " Genesis '' and the limit was only {$2000.00} which will not accomplish the objective. Synchrony never notified me this account was closed. I have NO LATE PAYMENTS on my credit and now the additional inquiries to lower my scores. Please assist me. This company should not be allowed to run over consumers who are doing the " right things '' with their credit and finances! Making me go to another lender at 29.99 % is most definitely usury. Damaging my credit with extra credit pulls only makes the situation WORSE. How could I go from being eligible and approved at {$10000.00} to Zero approval in this time-frame. Something is not right. AND non-notification is surely illegal. Please assist me.
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I just turned   XXXX   on  XX/XX/XXXX . They closed my account XX/XX/XXXX . Is this age discrimination???
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report, I noticed inaccurate information being reported on my credit file. ( XXXX XXXX XXXX  ), ( XXXX XXXX ) On XX/XX/XXXX I submitted disputes to XXXX, Experian, and XXXX about the inaccuracies being reported and to have a thorough investigation done. They claim to have verified the accounts. How is this possible when there are missing account numbers, missing dates, reporting last payment of XXXX, XXXX XXXX but shows charge off at same time., past due amounts are missing. According to the FCRA, i have the right to a 100 % fair and accurate credit report. The information being reported across all three bureaus is inaccurate and therefore must be deleted immediately! If these accounts are not immediately removed from my credit report, I will be seeking litigation against XXXX, Experian, and XXXX for violation of my rights under the FCRA. As I am inserting a copy of credit report with the inaccuracies circled, I feel as though a time frame of no more than 14 days is required to resolve these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX  : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX ALL ANY OTHER 30 DAYS OLD ON MY CREDIT REPORT ...
Product: Student loan

My personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal a financial information, I request that you immediately cancel and discharge my student loan debt in full.