23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I continue to have issues with Macy 's - I receive letters and emails regarding suspicious activity on my accounts. I call the number provided but staff can not provide any details. I have asked to have the accounts closed but do not think that has happened. Not certain how to resolve this issue. I do not want to be nor should I be responsible for suspicious activity due to Macy 's inability to close the accounts and take the appropriate steps to secure information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I received a call to serve as a XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 2 years in the interior of XXXX XXXX XXXX. Because of the unique requirements and difficulties of missionary service, I knew that I would not have access to a computer, or the internet. At that time I decided to close my Discover Credit Card Account, knowing that I would not need it, and that I would not be able to see or access statements, or in anyway communicate with Discover.  I then called Discover, and informed them that I wanted to close my account for the reasons stated above. The customer service agent responded by encouraging me to freeze my account, instead of closing it, to avoid damage to my credit and giving me the option of unfreezing my card when I returned to the United States. I asked the Customer Service representative twice if my card could be charged in anyway, and he affirmed that having the card frozen would be essentially the same as having the card cancelled. I then decided to freeze my card because of the promise given to me by Discover before I started missionary service in XXXX of XXXX. 

In late XXXX my father, out of an abundance of caution accessed my credit card account with information that I had provided him to check on my credit card accounts. He found that discover had posted charged to my card well after the card had been frozen. We contacted Discover,  found that they were residual charges that had been posted months after I had no more access to a computer, and resolved the issue. In Early XXXX I became aware of credit card charges that had again been posted to my frozen card by seeing that they had significantly impacting my credit score, causing it to drop by around 100 points. We again contacted Discover to explain that these were not charges that I had agreed too, ( they probably resulted from some XXXX subscription activated by accident by my younger brother while I was in XXXX ) that my card had been frozen under the idea that this couldn't happen, and that my credit score had been damaged. 

Discover recommended that we enter into a dispute against the charges, saying that was the only way we could have them removed. We tried that, explained what had happened, but received no resolution. I had too instead pay the charges, and live with the damage to my credit score. The charges were small amounts, less that {$30.00}, and I was happy to pay them, even if they were only charged because of a predatory subscription system without my consent and because of bad information given to me by Discover employees, but I do wish the damage done to my credit score to be resolved, as this issue is still negatively effecting me.
Product: Checking or savings account

I submitted complaint number XXXX with the CFPB. When I contacted the bank they told me that they do not have any of my information on file but they have informed the CFPB that they need my authorization to proceed.
Product: Debt collection

I would like to notify you about a problem that occurred today regarding one of XXXX 's billing contractors, specifically " State Collection Service , Inc. '' which is located at XXXX XXXX XXXX XXXX, XXXX, WI XXXX. The corporate office has a website and several toll-free numbers XXXX ( XXXX ) XXXX or XXXX ( XXXX ) XXXX. An employee of State Collection Service, identifying themselves as " XXXX XXXX '', was using a WA State phone number XXXX to collect payments ( in my case - in error - no money was owed ) today. Unfortunately, XXXX XXXX decided to record and use the robocall from the XXXX XXXX XXXX XXXX office as her own Caller ID/ Announcement to entice XXXX customers supposedly owing money to pick up their phone. While it was an ingenious idea on the first day of school in the district ( to make parents think their child was in trouble or sick on the first day at school ), it was also clearly illegal IAW both WA State and federal law, specifically The Fair Debt Collection Practices Act which prohibits debt collectors from " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' If State Collection Service , Inc. tries to deny the allegation, it should be reminded that the collection agency is often not the only party on the line recording phone calls - many consumers, like myself, do it now for their own protection. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my first case open with the CFPB concerning these accounts. I am completely shocked on how I am not being heard concerning these issues with XXXX and Equifax concerning this account. I have been disputing the inaccuraccy of this account for XXXX plus years. as of XX/XX/2022 report XXXX on account XXXX XXXX XXXX XXXX XXXX XXXX and Equifax continues to report in accurate information and now allowing XXXX XXXX to report unverified information as well. I am in receipt of XXXX letters stating that my disputes of items in my credit report was irrelevant and frivolous. I am upset that your credit reporting agency would try such a blatant stall tactic Then turn around and say that these items are verified. How? They haven't produced any documentation that I have requested from them. Yet you say its verified. ALL INFORMATION ON MY CREDIT REPORT IS SUPPOSE TO BE TRUE AND ACCURRATE YET BOTH BUREAUS ( XXXX AND EQUIFAX ) are reporting inaccurate information repeatedly. 
1. XXXX shows that XXXX XXXX XXXX is the original creditor, while Equifax shows XXXX XXXX. 
2, Both have different open dates that are both inaccurate XXXX. Both bureaus have inaccurate payment histories and account status don't match at all. 
4. The balances are also inaccurate. 
5. When were payments made? A payment history is reporting.No valid or verrified information is being reported. 
I have tried to fix this account over XXXX times and still I am being ignored. I have the right to have my credit report true and accurate according to the laws of the Fair Credit Reporting Act.
Product: Mortgage

XX/XX/2021 I went into 5/3 Bank because after several online attempts no one can help me get setup to pay my mortgage online. The Banker was helpful and got me futher than others. I couldn't retrieve documents and I shouldn't have to drive to pay my bills. 
When I got home I called for support. The XXXX  XXXX, person asked me to call customer service.. I waited an hour for a return call. The guy ( customer service ) put me back in loop for a mortgage professional. I hung up because it's a long wait. This is customer abuse. My husband XXXX XXXX died XX/XX/2021. I am still grieving my loss. I am the successor and need to access documents and pay the mortgage online. No one is correcting this online problem. I had to bill pay with my bank. 5/3 don't have electronic means which delays posting and charges a late fee. I am very frustrated with their service. I believe XXXX I paid late fee thinking it was late, it wasn't. I should have a credit.
Product: Credit reporting or other personal consumer reports

I have received a updated copy of my credit report and notice there was fraudulent activity on my consumer report That is identity theft Please from my understanding TransUnion is suppose to be protecting my informtation These inquires have no permissible purposes of being on my report which none of these are tied to any open account in my name please i ask for a speedy investgation with in 5 business days From todays date that the removed and block from my consumer report Than You | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Every time I try to make a payment to my Aidvantage loan servicer, it keeps getting returned and will not allow me to pay off my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX XXXX ( 01 XXXX XXXX ) and XXXX both multiple letters of verification. I've requested both XXXX XXXX ( 01 XXXX XXXX ) and XXXX  to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.
Product: Debt collection

I recently reviewed my credit report and seen that Portfolio recovery LLC was trying to collect an alleged debt from me and reflected on my credit report. I disputed the account through XXXX and nothing was done it only updated. Pursuant to 15 USC 1681b ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave portfolio recovery LLC any written instructions to furnish anything on my credit report. This is a violation of the Fair credit reporting act. This account should be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel By the silence of Engelhardt v Gravens ( mo ) 281 SW715.719| presume that no proof of the alleged debt. no therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX Balance {$25000.00}, XXXXXXXX XXXX XXXX  Balance {$1200.00}, XXXX XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX {$650.00}XXXX XXXX XXXX balance {$9200.00}, XXXXXXXX XXXX XXXX {$12000.00}, XXXX XXXX balance {$33000.00}, XXXX Dept of Ed balance {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDELENT ACCOUNTS ON MY CREDIT REPORT THAT DOESNT BELONG TO ME
Product: Credit reporting or other personal consumer reports

XX/XX/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 : Trafficking Block Request [ Your Account Number ( if known ) ] Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX inquiries ( XXXX ) resulting from trafficking that should be blocked and/or removed. 

Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been charged for a hospital visit dated XX/XX/XXXX at XXXX XXXX XXXX XXXX in TN. The charge amount posted on my credit is {$1300.00}. I was not at that hospital in XXXX for any reason and I do not live in XXXX. This has been posted against my credit which I have worked very hard to maintain. I received a letter about these bogus charges that I returned as disputing and I have not heard anything about that dispute. I spoke with the Collection Agency XXXX XXXX XXXX XXXX ( XXXX ) and they informed me that they returned the information back to the Hospital and did not pursue me. The hospital sent the debt to another debt collector ( Central Portfolio Control, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ). This collector did not notify me of a debt being collected and posted against my credit for {$1300.00}. I pay my bills and prioritize my responsibilities and this hospital and debt collector has no right to charge me for services which I did not receive and was not even in the state to receive. I believe they obtained my information from a visit dated XX/XX/XXXX. I was there for business and went to the ER at XXXX XXXX XXXX due to illness and I have verification that that bill was paid. This bill was {$420.00} and has been paid in XXXX. I have attempted to correct this situation with hospital billing and they will not help, they hang up and play games as if they can't hear me. This is not a game.
Product: Student loan

Mohela holds my loan and I have been on the public service loan forgiveness for years and it has been so much confusion since Mohela company has taken over my account. I been with my job since XX/XX/XXXX and your company sees that and say that its have been approved from them until XXXX of XXXX. But the number of eligible payments have increased as they should they went from XXXX to XXXX and then to XXXX. However my qualifying payments are going down. Which your employee XXXX # XXXX say it shouldnt do. They went from XXXX qualifying payments on XX/XX/XXXX to XXXX qualifying payments on XXXX XXXX and now as of XX/XX/XXXX I am back at 30 qualifying payments again. And when I call about the issue they have me to resubmit the application to fixed the payment issue but it has never been fixed and the count still changes. Then once receiving the new application that was requested they saying its not approved again which the article of operations is on file already and I still send them in and many works say they can see it. The new application is explained to me that it fixed the gap that they see which makes no sense because it see all the same information because i ask.. XXXX # XXXX also said that my payment tracker has not been updated they have had my case for almost a year now. I have sent multiple application the one on XXXX XXXX state duplicate, XX/XX/XXXX state processing and XXXX XXXX also state processing. The supervisor XXXX # XXXX said that she all of the application and that my job has been approved so I should at least have payments from XX/XX/XXXX until at least XX/XX/XXXX. She see over XXXX payments that needs to be added. I am just trying to get an understanding of what is actually going on because it has been very confusing since Mohela took over the loan. I have reached out to federal student loan as well to get help to see if someone can actually explain what is happening with my account. None of my applications has even been finished processing after the XXXX said it only take 60 days honestly. All of the applications I sent in this year should have cover from XX/XX/XXXX until present. Thanks for your time in advance.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX XX/XX/year> I have I have recently disputed this account it was updated but my request was to DELETE ACCOUNT NAME XXXX XXXX XXXX ACCOUNT XXXX # : 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days CREDIT BUREAUS XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already made an identity theft claim thank you.
Product: Student loan

Two years ago I was not informed of my renewal date for my income based repayment plan, and I was hit with a charge of over {$1000.00} when my regular payment was nearer to {$400.00}. This caused me to overdraft my checking account and caused a number of other financial hardships as I was unable to pay other bills and had to adjusted payment schedules. They would not refund this money though I asked a couple of times. Last year, I received an email stating that my income based repayment was expiring, and that my new payment would be approx. {$500.00} so I decided not to renew my income based repayment. When my income base plan expired, again is shot up to over {$1000.00} because the email I received was only in regard to a collection of my loans, not all of my loans. In this case they refunded me the {$1000.00} and I was able to reapply for income based repayment. This year, I submitted my renewal for the program and it has been over two weeks and I have yet to hear from them when the deadline XX/XX/XXXX. I withdrew from the autodraft system last year because of this, which increases the headache of making sure they get paid.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 16
81o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : BANK OF AMERICA ( XXXX XXXX XXXXXXXX )
Product: Consumer Loan

On XX/XX/XXXX, I entered into a 36 month lease for a Acura MDX at {$500.00} per month. Included in the lease was the Ohio sales tax of {$1200.00}, which was amortized over the life of the lease in the {$500.00} payment. On XX/XX/XXXX I extended the lease XXXX months, and was required to make an up front payment of {$190.00} for the Ohio sales tax on the extension. As the {$1200.00} sales tax was amortized over the original lease term, my payment should have been reduced by the portion of the {$500.00} going to pay off that obligation, that amount would be approximately {$36.00} per month. 
When I called Acura Financial Services I was told they would not correct this inequity. 
My last conversation was on XX/XX/XXXX with XXXX XXXX who told me they would do nothing for me.
Product: Credit reporting

I requested a credit line on Wells Fargo, when the statements came the name of the account was wrong I assumed it was not my account and should not pay, I asked the bank to stop sending receipts that were not mine, after 6 months I saw my credit score and then I realized that the account was really mine, but the name was wrong. I paid in full after I saw it but my credit score is damaged now.
Product: Payday loan, title loan, or personal loan

This has started XX/XX/2021, I was unware that my identy at this time was stolen until I received a phone call from XXXX XXXX at Recovery Solutions Group , LLC, on XXXX XXXX. 
I was told I took out a loan from XXXX XXXX for XXXX for a food truck. I tried to explain that my identy was stolen, they could come and look at my residence to see I dont own a food truck, they could come and check my laptop for all the information on this but I did not apply for this loan. Not only that but I do not make {$60000.00} a month. I personally bring home {$1000.00} for working in XXXX XXXX XXXX. 
XXXX XXXX did not believe me to the point he was making threats to me over the phone. 
I ended up borrow money from friends, to make them stop threating me as this was causing high stress and XXXX  on me. 
you will notice on the only documentation that I have has dates on it from giving them money. 
What I want from both parties now is to have that moneies returned, so that the people that I borrowed this from can have their money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Experian today XXXX XXXX and they said they wasnt re - investigating Very rude and unprofessional Here the Steps XXXX. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( Experian XXXX, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.Experian, XXXX XXXXXXXX are trying to stall me hoping that I will stop. XXXX.Filed a complaint CFPB complaint -came back verified no action taken by you guys. XXXX .Filed a complaint with my State attorney General office. XXXXContacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. XXXX.Email Experians, XXXX XXXX  Ceo as last resort before I Sue them.