23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On or around XXXX XXXX, 2016 I called American Express to report fraudulent transactions ( which i became aware of when i went online to make my payment ). The fraud investigator asked if I had my card, I replied that i did not. have a few more questions he asked me to identify all the unauthorized transactions. Therefore I informed him every transaction from XXXX XXXX ( from XXXX {$120.00} ) through XXXX XXXX ( XXXX XXXX XXXX {$26.00} ) were not authorized by me. He specifically asked about a few XXXX purchases, I informed him I did not have a XXXX membership and none of those purchases were mine or authorized by me. Incredibly, this investigator began literally interrogating me, asking at least a dozen questions. Finally, i interrupted him and informed him the questions he was asking seem ridiculous and over-reaching of my obligation. I requested an investigation and re-affirmed my dispute of these transactions totaling over {$5000.00}. 
Over two months have passed and American Express has refused to remove the disputed transactions, refused to provide any details of their investigation, have restricted my account, charged me late fees and increased interest rates. 
I thought investigations must be completed within 60 days and/or 3 billing cycles? Well, we have elapsed both. Additionally, twice by phone and once by letter, I firmly requested all communications were to be conducted by USPS or email to make sure I have accurate documentation, since I do NOT trust American Express to provide recorded information. However, American Express has continually called me 4-5 times every single day.
Product: Student loan

The representatives always suggested I just did not understand how interest is calculated and accumulated on a daily basis. No matter how much my balance went down, my interest accrued each month remained the same.
Product: Mortgage

Loan Care did not pay my XXXX county taxes in a timely manner ( despite having the money in a timely manner ) resulting in additional tax charges. I contacted Loan Care about this issue and they did not respond. I have now had to pay the tax bill to avoid late fees and request reimbursement for this payment from Loan Care.
Product: Payday loan, title loan, personal loan, or advance loan

Payments was so high that they were trying to take my car for collateral I couldnt afford the payments cause thats not what I was quoted when I did the application so I went to my bank to get them to consolidated my debt so I could get a cheaper payment and my bank ended up giving me the XXXX check to give them and now Im just paying my bank back but the payments are cheaper. OneMain was charging me XXXX a month and now my bank charge me XXXX a month
Product: Debt collection

I reached out to national credit systems several times they would kept asking for another 30 days just to not be able to provide the original lease with my signature, debt assignment, or payment history. Spoke with the manger XXXX XXXX and he advised me if they didnt get the documents they would have to remove the debt when the day came up he stated his attorney said they wouldnt remove it but the will change the amount from almost XXXX to the amount on the judgement which nobody showed up for so of course the court ruled on it. They then advised me to take it to court this was from XXXX  I think I was in college and you only have 30 days to reach out to the court about something .XXXX  always say they verify this debt but they never can show proof.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and that the following accounts on my credit report are fraudulent. As per the guidelines of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be blocked and deleted from my credit file.

Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$740.00} XXXX & XXXX XXXX XXXX XXXX - XXXX - {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}
Product: Student loan

I received a letter from Navient stating that if I signed up for their student loan rehabilitation program and completed it, they would REMOVE the account from my credit report. I started the program in XXXX and completed in XXXX of XXXX. The loan was sold and transferred to another servicer. XXXX. I have since been making my monthly payments. 

Navient did not REMOVE this account and it's still reporting with negative information. This reporting is completely inaccurate AND should no longer be there according to the student loan rehabilitation program.This is deceptive and they should remove this as promised. This is hendering my credit score.
Product: Credit reporting or other personal consumer reports

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : 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 {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} 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: Debt collection

This company XXXX XXXX mailed me a letter on XX/XX/XXXX. This letter stated I owed money to a certain credit card company. When I recieved their letter, I instantly reached out to them on XX/XX/XXXX at XXXX to find out what this debt was in regards to. They told me this debt was a credit card that was opened on XX/XX/XXXX. They told me the card was closed XX/XX/XXXX for non payment and charged off. I reached out to the credit card company and they sent me a letter on XX/XX/XXXX that stated they have reported my account accurately with the credit reporting agencies and that my accounts on file with them were closed, paid in full, and in good standings. I called XXXX XXXX and told them what I was told with the reps name and contact info. XXXX XXXX had no explenation for me and couldnt assist me. I called back on XX/XX/XXXX at XXXX and had to leave a voicemail with no returned call. So In return I sent them a certified letter which was signed and recieved by them asking them to provide me proof within 30 days that this was my debt and what exactly it was for, how they calculated what they say I owe, provide me with a copy of the judgment, show me they are licensed to collect in the state I live in, and provide me with their license number. All future communication with me must be sent via mail. They never responded to me or tried to reach out to me. Four years later they serve me with a notice to revive judgement. How can a company keep reentering judgements agaist someone when they cant even provide the requested documentation to show proof of the debt. Why as a consumer would I pay for a debt that I know isnt mine!? When I XXXX this company their is nothing but corrupt comments about how terrible they are and how they practice illegally and that they have been sued by other consumers fro fraudulent actions on their behalf. I will be hiring a lawyer to help protect me against these crooks!
Product: Vehicle loan or lease

XXXX XX/XX/XXXX, I purchased a XXXX XXXX XXXX vehicle for XXXX, XXXX which was XXXX dollars over actual value. At the time I was XXXX and had no idea what I was doing. I was suffering from XXXX XXXX and was using XXXX  and was taken advantage of by the dealer and the lender. I contacted the dealer twice and received no response and received no assistance from the lender Wells Fargo. My account number with Wells Fargo ( XXXX ) is XXXX. I can not pay this loan as i am unable to work as i am currently under the care of a XXXX 

XXXX XXXX XXXX XXXX ct XXXX fl XXXX XXXX
Product: Credit card or prepaid card

I reported fraud to Bank of America as soon as I noticed the unauthorized ATM transactions. They froze my account and did not allow me to access remaining funds. I reported the unauthorized charges on XX/XX/2021. I have been told by BofA reps and supervisors to keep calling back every other day until the issue is resolved. In total I have lost roughly {$4200.00} that was my only source of income. They took every dollar and left me with nothing. Theyre debit cards are not secure and are vulnerable to fraud. I have not received any sort of help from BofA to resolve the issue. They will not allow me to file a claim or access my remaining funds. They have no time line for when the issue should be resolved or any sort of plan for dealing with enormity of the fraud they have on their behalf. I am disgusted and appalled with Bank of America as an Institution.
Product: Debt collection

I received a call from XXXX XXXX at Diversified Consultants.  The phone number that displayed on my phone was XXXX. XXXX read me the disclaimer about this being an attempt to collect a debt, then told me I owed money to XXXX. I explained I had paid my last bill and returned my equipment, and she said this was for non-return of equipment. I told her I had definitely returned the equipment as instructed, and that I wanted to dispute this collection. XXXX told I couldn't dispute with her, that I had to contact XXXX. That is not the law. I started to read to her the requirements, and she said they only received my account yesterday and would be mailing out a letter. I told her she had to take my dispute and she said she didn't and hung up on me. 

I do not owe XXXX anything, I followed their instructions, and I should not have been sent to collections. Further, XXXX should not have told me I couldn't dispute by telephone with her and should not have directed me back to the original provider. She definitely should not have hung up on me. None of this is accurate nor is it following the proper procedures when a consumer states she disputes a collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 an inquiry was pulled on my XXXX Credit Report, by XXXX XXXX XXXX and it was flagged as fraudulent and a letter was sent to me concerning the application. 

I spoke with XXXX and was informed that all of the credit reporting bureaus would be notified to remove the inquiry and a letter of confirmation was sent to me. 

I have spoken to XXXX XXXX on many occasions, to inquire as to why the inquiry hasnt been removed and was informed each time that they were not notified by XXXX about the removal request by XXXX and they can not find it in their records. 

So, I sent XXXX  a copy of the letter sent to me from XXXX, stating it should be removed. 

Upon, giving XXXX  ample time to correct the error, I called XXXX  again, about the incorrect inquiry and was informed that although XXXX dated the letter but did not include in the body of the letter, the date of the inquiry, XXXX  refuses to remove the inquiry and has requested me to have XXXX rewrite the letter to include the dated the inquiry was made. 

I have requested XXXX to rewrite the letter to no avail. 

This is a violation of FDCA, XXXX  knows to the date of the inquiry on their records and can clearly see the information matches in XXXX letter. 

I should not have to jump through hoops to get XXXX  to to do their job and XXXX should keep better records of information provided to them multiple times by XXXX. 

I have had other issues with XXXX  using the excuse they cant find various information in their records for accounts although they have sent me copies of the information on their letterhead. 

XXXX  refused to reinvestigate.
Product: Debt collection

This company ( Bureau of Med Econcs ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1000.00} and {$1500.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Debt collection

I was looking over my credit report and I saw this negative collection item of {$930.00} for something I do not recognized from a company called ONLINE INFORMATION SERVICES the report shows the account was open XX/XX/2018 and the original creditor was XXXX XXXX XXXX  XXXX  I would like this to be permanently removed from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquires was unauthorized
Product: Debt collection

Bay Area Credit Services has been harassing my in-laws for an emergency room debt that has long been paid and had nothing to do with them. I 've told them the debt was paid but they do n't believe me and wo n't furnish the proof that I owe anything. I have the receipt and confirmation of payment, as well as proof from my bank account but I refuse to send them any of my personal financial information. The callers have been rude, unprofessional and abusive. They have screamed at me and hung up on me several times.
Product: Credit reporting or other personal consumer reports

An amount is on my credit for leasing terms terminated due to Natural disaster and forced me to move out. Property management still required me to stay and pay.
Product: Mortgage

Equity Prime sold our mortgage to XXXX XXXX with a negative escrow amount that is erroneous and illegal in the state of Texas. 

We are 100 % XXXX property tax exempt from the day our mortgage papers were signed. 

I have called EPM and can get no where as they do not have a single person i can call that is in the United States. 

They admit they charged us over XXXX in taxes and sold the loan with it. Due to their issues we are being charged now XXXX by the new mortgage servicer and being told we have to get the money and or resolution ourselves. We can not do anything and we have tried.
Product: Credit reporting, credit repair services, or other personal consumer reports

A year or more ago, someone tried using my identify. They were unsuccessful. As a result, Experian, XXXX, and XXXX placed a security block on my information. XXXX and XXXX have lifted the security block ; however, I continue to have problems with Experian and I have not been able to get any help to resolve the issue. Creditors are unable to check and verify my credit score or history. As you will see, I tried in XX/XX/XXXX and most recently, on XX/XX/XXXX and XX/XX/XXXX and again today ( XX/XX/XXXX ). I am closing on a home on XX/XX/XXXX and need your help. The mortgage company continues to be unable to access my information. The Experian representatives keep sending me instructions on how to unfreeze my report even though I have told them that it isn't the issue. I have tried to call their National Consumer Assistance Center as instructed in XXXX ; however, there is no way to talk to a real person and the AI system provides the same information as the representatives did which is instructions on how to unfreeze your report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like XXXX, XXXX, and Experian. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information. 

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to XXXX, XXXX, or Experian, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

XXXX, XXXX, and Experian have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance. 

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that XXXX, XXXX, and Experian have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations.

Regarding the removal of student loan information on the credit report, it's imperative to note that The Family Educational Rights and Privacy Act ( FERPA ), a federal law enacted in 1974, protects the privacy of student education records and applies to all public or private elementary, secondary, or post-secondary schools, as outlined under 20 USC 1232g ( b ). Therefore, the inclusion of such information on the credit report violates FERPA 's privacy protections. I am demanding that the student loans be removed from my credit reports immediately. 

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 DP OF EDUC XXXX XXXX DP OF EDUC XXXX XXXX
Product: Debt collection

I paid a debt in collections directly to the creditor as instructed, however the collection agency as well as the creditor have yet to remove this from my credit report. 
Amount of debt : {$100.00}, paid in full on XX/XX/2021. 
I have contacted both to resolve this matter but both refuse to contact each other to resolve this matter. Dates of contact : XX/XX/2021, XX/XX/2021 & XX/XX/2021. 
The companies involved are XXXX XXXX in XXXX, Florida ( creditor ) and Credit Collection Services in XXXX, MA. 
Contact info : XXXX XXXX, XXXX, FL, XXXX Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX
Product: Debt collection

Dear CFPB, this complaint is in response toXXXX and XXXX 's investigation and verification of an public record that appears only on XXXX XXXX 's XXXX and XXXX credit file that is being erroneously reported as verified by the furnisher, when the original creditor and the debt collector have removed their tradeline but still report this public judgment falsely as due and owing by I, XXXX XXXX XXXX without due process. Reference Case ( s ) # XXXX. XXXX XXXX has yet to respond to dispute in writing. Under 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts '' If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' XXXX XXXX XXXX has not complied with this requirement. 
Debt collector : XXXX XXXXoriginal creditor : XXXX XXXX XXXX, XXXXPartial acct # XXXX ... 
( This account is being reported by COB as a charge off and debt was sold to another lender. XXXX XXXX is reporting this as a open account, {$850.00} is due and owing, but as a public record jugdement, {$980.00} is owed. Spoke with several persons on XXXX/XXXX/15, from COB who referred me to speak to someone at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and Nations Recovery. I have sent the debt dispute letter to XXXX XXXX certified mail with green receipt. A individual named XXXX XXXX signed for it as an agent for RESURGENT on XXXX/XXXX/15, but as told by someone named XXXX at XXXX who is handling account for XXXX, contact NATIONS RECOVERY speak to a man named XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX. So this is a total diversion to not meet my demand and continue collection on a unsecured credit card debt that is not mine.
Product: Credit reporting or other personal consumer reports

I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I have never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA.

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX on multiple occasions that I have never had an account or balance with XXXX. My last attempt to contact XXXX was on XX/XX/XXXX and I received no response back. I sent the letter certified USPS tracking XXXX. It was received by XXXX on XX/XX/XXXX. I have contacted TransUnion on multiple occasion about this matter. TransUnion said they confirm this charge but that is impossible when XXXX has never respond back because there is no account or balance. TransUnion is not doing a proper investigation and at this point, I will be moving forward legally if they do not remove this from my credit report. I wrote TransUnion on XX/XX/XXXX telling them that XXXX is not responding back or validation any account or balance. TransUnion has not responded back in 4 months to my letter. This account is causing adverse affect to my credit worthiness.