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

As you can see from the previous 8 complaints I have placed with your company. Lexisnexis keeps saying they verified as correct information In complaints 1 through 6th they had verified me with an address that does not even exist XXXX XXXX XXXX XXXX XXXX NY did they pull that out of thin air? Now they are saying and more complaints would be deemed frivolous, I mean give me a break it took them six times to correct an address on my report as verified proof. They should be called false and misleading information. Now as far as XXXX XXXX XXXX XXXX is this going to take another 6 complaints before they do there job? Here is there response for not doing there job now 8 times.
Please be advised that we have received six previous complaints on behalf of XXXX XXXX disputing the same claim on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and responded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively that XXXX XXXX was the vehicle operator and the policyholder at the time the claim was filed. Please note that further complaints from XXXX XXXX regarding this claim will be closed back to the CFPB as frivolous, as XXXX XXXX has provided no new information or documentation that could substantiate his. I did n't submit proof the other 6 times other than looking on XXXX to fin XXXX XXXX XXXX did not exist as they claimed as verified proof. Now the only proof I have for XXXX XXXX XXXX XXXX is the home was owned by a XXXX and XXXX XXXX. I do not know these people. Again I want to stress I have never lived at XXXX XXXX XXXX XXXX This is the Ninth compliant lets see how long this takes
Product: Credit card

I inadvertently responded to a XXXX " promotion '' online with an attached requirement to open a PayPal Credit account. I have received no services from XXXX and only an ongoing battle with PayPal Credit about the interest charges. 
Exasperated with both companies, I have reluctantly paid both charges -- the initial charge of {$170.00} and subsequent interest charges of {$26.00}. But I am appalled at the fraudulent behavior of these companies and wish to submit this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these items with XXXX, XXXX, and Transunion multiple times and they continuously come back as verified which is impossible because these accounts do not belong to me. They have been sold to different companies several times an updated with recent dates on my credit profile several times. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX  - reporting {$1700.00} XXXX XXXX XXXX - reporting {$630.00} XXXX XXXX XXXX XXXX - {$790.00} XXXX XXXX XXXX reporting {$1400.00} XXXX XXXX XXXX - reporting {$2800.00}
Product: Student loan

The presence of student loans on my credit report violates the Family Educational Act of 1974 and the Privacy Act of 1974. As per the aforementioned acts, educational institutions are obligated to safeguard student information and provide an opportunity to opt out before reporting such information to credit agencies. The school assured me they would not disclose my personal information, including financial details, to third-party credit agencies. This assurance was in accordance with the Family Educational Act of 1974, which establishes the privacy rights of students and protects their educational records. Furthermore, the Privacy Act of 1974 enforces limitations on the disclosure of personal information by federal agencies. Under this act, educational institutions are required to provide students with the opportunity to opt out of releasing their information to credit reporting agencies, allowing them to maintain control over their personal data. I am confident that my school was bound by these provisions. However, I recently discovered that student loans associated with my enrollment have been reported to credit agencies. This disclosure of my personal information without my consent is a direct violation of the Family Educational Act of 1974 and the Privacy Act of 1974. Additionally, I would like to bring to your attention that my school failed to provide me with a way to exercise my right to opt out at least 30 days before the reporting took place. This omission further strengthens my claim that my rights under the aforementioned acts have been infringed upon.
Product: Credit card or prepaid card

XX/XX/XXXX, I was approved for an amex gold card with no preset with so many different benefits, also paid an annual fee up front of {$250.00}. XX/XX/XXXX, they placed a preset limit on my account without notifying me to why, I called XX/XX/XXXX about this issue, spoke to six different representatives and they said I have to appeal the decision and give more information about myself. To my understanding, I got approved for a card with no preset and benefit that I paid annual fee for.
Product: Credit reporting

The debt collector verbally agreed and submitted for removal in XX/XX/2015. As of this request they have not been removed by the credit reporting agencies. I have requested and received and have attached a copy of the removal request from the debt collector. The debt collector is XXXX XXXX XXXX and there are XXXX " Clients '' 1. XXXX XXXX XXXX XXXX. 2. XXXX XXXX XXXX 3. XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX i sent a letter regarding inaccurate and unknown things on my credit report to this day over 120 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my certified mail receipt the investigation took more than 30 days, it did not resolve the issue and as a penalty for my complaints the credit bureau lowered my credit score by 18 Points despite my paying off 2 loans. My student loans were lowered by XXXX due to forgiveness. The remaining loans were consolidated and interest lowered. 3 negative accounts were removed off my credit and the credit bureaus lowered my Fico score instead of raising it. Today XXXX  raised the score to what it was prior to the debts being paid off and the student loan reductions.
Product: Credit card or prepaid card

Im XXXX I had a card lost or stolen at XXXX  XXXX  in XXXX Hawaii when I went to pick up a prescription. I immediately called American Express and they said they would issue a card immediately that took over ten days to arrive. Then the problems, harassment, texts and emails in the middle of the night, threats to ruin my credit started. It seemed impossible because I always pay extra and have auto pay on my account thats XXXX every month on the XXXX, the last day of the billing cycle. I called and they hung up, they extrapolated at least 10 payments in a 30 day period plus taking multiple auto payments from my account they were unauthorized to take. At the end of the day they started more threats, threatening to reduce my credit, make extra payments and sending threats about ruining my credit. Finically I called and they said they saw the problem but failed to Fix it for the last week. These idiots created a new account and billing cycle on a replacement card and changed my billing cycle in XXXX on my existing account Ive had since 2002. This is NOT the first time American Express has changed a billing cycle without notice to deny me points I earn on large purchases, like construction costs.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXXXXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of XXXX XX/XX/year> XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>XXXX XXXX XXXX Date of Inquiry XX/XX/year> & XXXX XXXX Date of Inquiry XX/XX/year>
Product: Money transfer, virtual currency, or money service

Well, someone logged onto my Wells Fargo bank account and wire transferred my money to a burner account or a real account under their name of XXXX XXXX and when I contacted the bank about it they said theres nothing they can do because it the transaction was a secure transaction under my account.
Product: Debt collection

I recently saw this debit on my report Enhanced Recovery for XXXX that was opened on XX/XX/17. I have been with XXXX XXXX for about 3ys not XXXX. I need to know what address is associated with this account?
Product: Student loan

My loans were transferred from XXXX to Edfinancial and I was informed that I would be placed on Administrative Forbearance with no interest accruing. However, interest did accrue and my payments ever since have been applied incorrectly. Furthermore, during the transfer, I was informed by Edfinancial that everything would be the same and autopay would commence as I previously had it and no action was required. They maliciously did not inform me that interest would accrue starting on XX/XX/year> and did not provide me with the option to adjust my payment date to account for the interest that would accrue. Now my interest has snowballed and I now owe way more interest than my monthly payment can cover. When I was with the XXXX, this was not case, I had at least 15 % -20 % of my payment going towards principal. I sent several requests to have my account fully reviewed and calculated between the transfer from XXXX under no interest and my first payment and each time I recieve a response that doesnt not provide that information or handle my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX  Reference number : XXXX has violated my rights 15 U.S.C 1881 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

i have on three occasions sent equifax and XXXX a POLICE REPORT AND IDENTITY THEFT REPORT TO HAVE THIS ACCOUNT XXXX CARD BLOCKED FROM APPEARING ON MY CREDIT REPORT, it is not my account XXXX bas permanent ly blocked it an deception even called XXXX and has a recorded conversation from a XXXX in fraud validating it was fraud the application provided fraud not me and equifax was notified by XXXX, i have called about 4 times a day for a month to have this escalated and i have been yessed and mis informed and my fraud statement called and gave never apearred on my account that i was a victim of fraud and was never late the XXXX account appearing on my equifax report is n't mine. Well equifax after numerous calls for months is breaking my rights .The clause and statements not on my report. Then i went and got an new police report because this discover account every time i dispute it or XXXX XXXX i hired dispute in it comes off and next month right back on I 'm its and I want my legal right s validated. Equifx has two legal identity theft reports on file with police report and I WANT THE FILE XXXX BLOCKED FROM MY CREDIT REPORT. No 81-Month Payment Data available for display. XXXX XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} 120+ DAYS PAST DUE {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX, DE-XXXX ( XXXX ) XXXX and XXXX police reports and identity theft reports is with equifax for months. Equifax said they accepted my reports but had to wait for the dispute process to e over to override the computer but still no nothing.
Product: Debt collection

XXXX XXXX XXXX claimed that I owed them {$960.00}. However, I never used XXXX XXXX XXXX for my vehicle. I believe this to be due to the identity theft, which took advantage of my information. 

The XXXX XXXX XXXX ( phone # : XXXX ), is representing XXXX to collect such amount.
Product: Credit reporting or other personal consumer reports

I asked XXXX  to fully validate errors on my account, nothing had been removed or fully validated.
Product: Credit reporting or other personal consumer reports

I sent a letter requesting the purchase agreement for the account ( s ) in question to validate the debt. I have never done business with this company, yet they are reporting a negative account on my credit report. To date, I have not received the information requested. This is a violation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I have not received any investigation reports. This creditor has reported late payment on XXXX, 2019 to my report which is incorrect and I am asking this late payment be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Bank account or service

I had {$10.00} in my savings and {$38.00} in my checjing yesterday XXXX/XXXX/15 my purchases were processed and that left me with a XXXX however I deposited {$20.00} to have {$8.00} left im my account what Bank of America did they took out my XXXX from my savings and charged me a {$10.00} fee for transferring my own funds leaving me - {$16.00} and {$0.00} on my savings then a payment posted the same day for {$9.00} which the seller cancelled as well I have an email to prove it ... And the bank charged a {$35.00} return fee for the {$9.00} check leaving more negative, and this morning the barely sent me an email letting me Know that they took the liberty to withdraw {$35.00} instead of sending me the email alert before hand on XXXX/XXXX/15 yesterday I was the XXXX noticed this and deposited {$20.00} so they wouldnt process anything since all the transactions were made the same day in XXXX XXXX, 2015. I called to complain why and the only returned the ten dollars and it took them XXXXminutes to " try an figure out why those charges were posted '' and said they could n't return my {$35.00} leaving me with XXXX and {$0.00} in my savings as a XXXX I work hard for that money I work 7 days a week XXXX jobs and I trusted my bank to let me know before hand about any warnings in my account instead they made me negative and bounced a check to a seller who cancelled the transaction I tried to tall to a manager in service center on the phone he hung up on me instead of resolving this I am really upset I thought thats why they have employees working to help us understand and fix their mistakes, I know {$35.00} is not much for the corporation bank etc.. But to me is XXXX of work I have to put in to earn that money ... I would n't complain here if I knew I was " wrong '' acvording to them and leaving me XXXXMinutes in hold and XXXX to try and figure it out and an hour of my time si they can just hang up on me without the money that bwlongs to me that I earn and worked for.
Product: Checking or savings account

On XX/XX/XXXX I lost my debit card and someone got ahold of it and withdrew {$600.00}. I disputed the charges and USAA credited my account {$600.00}. Then yesterday XX/XX/XXXX USAA took back that money. I called them to ask why they took it back they said the fraudulent charges were not fraudulent because the person that used my card used the PIN. The last place I had my card was Do It Best in XXXX XXXXXXXX the same day as the charge of {$600.00}. I noticed my card missing the following day when I attempted to buy groceries at grocery outlet in XXXX CA. This is the fourth time they have done this to me I needed to buy equipment for my job but now that I am {$230.00} in the hole I can not do anything and I am at risk of losing my job.
Product: Mortgage

On XX/XX/XXXX we reviewed our Escrow statement. In doing so the Escrow was short by XXXX. So we called Freedom mortgage and asked if we pay the Escrow shortage amount of XXXX would our monthly payment be the same and was told it would and not go up to XXXX for next year? 
The statement showed Home owners XX/XX/XXXX - XXXX According to XXXX - XXXX Taxes - XXXX XXXX XXXX - XXXX not been determined? 
XXXX XXXX XXXX - XXXX XXXX - XXXX with amount shortage of XXXX? 
When asked how paying this amount or the XXXX would make it come out without a shortage they couldn't answer. Yes I asked them to redo the process so we will know our monthly payment in detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was sent a debt noticed via mail and I requested the debt to be validated. 41 days after sending that letter and receiving no response, I sent an additional letter and have still yet to hear a response. 

It has been nearly two months since that time and I have yet to receive a response from the company. The company, who is representing Capital One Auto, is still reporting inaccurate and unfair information to the credit bureaus after failing to validate debt. 

At the time of this complaint, this debt has not been sold and is the sole owner of Capital One who is being represented by XXXX XXXX.
Product: Debt collection

I 've been working with American Medical Collections company to facilitate the resolution of some laboratory charges. In this I have asked on XXXX separate occassions to be called after XXXX pacific time during which I 've worked with them on several tactics to resolve this. They continue to call me during working hours despite this communication and have been push XXXX. 
The billing problem originally occured because the lab I was scene at did n't validate my address or my insurance info. I went to collections without ever receiving a bill or phone call. Once in collections, I requested the original biller 's address and my account number and sent a photocopy of my insurance card so they could bill the correct insurance. 
AMC left me alone for several months while we waited for this to resolve the issue. Apparently my letter was ignored because I received more calls recently ( again, during my working hours despite the notes I asked put on my account ). 
The last polite call I received said they would mail me a form so I could forward it to the insurance company myself. After XXXX I have not received the form and got more pushy calls.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of despites, particularly in the light of the recent CFPB LAWSUIT highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these tractions were unfeasable. The CIPDS findings indicate Zelle has not only neglected to protect its consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

I am filing this complaint regarding a total of {$9700.00} in disputed charges on my credit card issued by XXXX by XXXX XXXX. These charges were made across multiple months by various merchants, including XXXX XXXX XXXX ( {$3200.00} ), XXXX ( {$820.00} ), and XXXX XXXX XXXX XXXX ( {$260.00} ). 

These charges are fraudulent, and the merchants either failed to deliver the promised services or overcharged me without my authorization. After reviewing my evidence, XXXX initially credited my account and removed the charges. However, they later reinstated the charges without valid justification, leaving me with a balance I do not owe. 

List of Disputed Charges XXXXXXXX XXXX  XXXX XXXX : {$3200.00} XXXX. XXXX XXXX : {$820.00} XXXX XXXX XXXXXXXX XXXX : {$800.00} XXXX. XXXX XXXX XXXX : {$600.00} XXXX XXXX XXXX XXXX {$490.00} XXXX. XXXXXXXX XXXX XXXX {$400.00} XXXX. XXXX XXXX XXXX : {$380.00} XXXX. XXXX XXXX XXXX : {$330.00} XXXX. XXXX XXXX {$330.00} XXXXXXXX XXXX  : {$320.00} XXXX. XXXX XXXX : {$320.00} XXXX. XXXX XXXX XXXX : {$310.00} XXXX. XXXX : {$300.00} XXXX. XXXX XXXX : {$260.00} XXXX. Choice Home XXXX XXXX {$260.00} XXXX. XXXX XXXX XXXX XXXX  : {$260.00} XXXX. XXXX XXXX XXXX : {$250.00} XXXX. XXXX XXXX : {$220.00} XXXX. XXXX XXXX XXXX XXXX  : {$220.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my accounts late when I am currently in XXXX. I was unable to reach them during the Covid crisis nor was I able to reach my school and now XXXX is basically are saying too bad. 
The following is incorrect : 1. accounts are reporting late 2. accounts reporting closed Furthermore these accounts are reporting on my credit report twice each. 
I do not understand why XXXX is not held to better standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX KEEPS PUTTING " FAKE, FRAUDULENT AND INCORRECT '' STATEMENTS ON ACCOUNTS THAT ON ARE ON MY CREDIT REPORT AND I AM SICK AND TIRED OF THEM DOING THIS. BY THEM PUTTING THESE STATEMENTS ON MY CREDIT REPORT WITHOUT MY PERMISSION THEY ARE IN VIOLATION OF THE FCRA AND ARE HARMING MY ABILITY TO GET A MORTGAGE. 

THE FOLLOWING STATEMENT " CONSUMER DISPUTES-REINVIESTIGATION IN PROCESS, CONSUMER DISAGREES '' ARE ILLEGAL STATEMENTS ON THE FOLLOWING CLOSED ACCOUNTS. 

1. XXXX 2. XXXX XXXX 3.XXXX XXXX. XXXX XXXX XXXX ACCOUNTS XXXX. XXXX CARD I HAVE NEVER DISPUTED THESE ACCOUNTS AS THEY ARE CLOSED AT MY REQUEST AND HAVE POSITIVE PAYMENTS BEING MADE. WHY WOULD I DISPUTE THEM. I BELIEVE EQUIFAX HAS PUT THESE ILLEGAL STATEMENTS ON MY FILE TO HARM ME DUE TO OTHER COMPLAINTS THAT I HAVE SUBMITTED IN THE PAST. 

XXXX HAS DONE THE SAME THING TO THE XXXX XXXX  ACCOUNTS THAT ARE BEING REPORTED. I DEMAND THEIR NEGATIVE STATEMENT BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account 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 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 602 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.