23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called iq data international on XX/XX/year> to get some information on my debt that appeared on my credit after XXXX months. I also wanted to know if theres anything that they can offer me to lower the amount as I was speaking to the representative. The only thing she said she can do is take my card information and see if I can make a payment now for it to be removed off my credit report. I did let her know that unfortunately I wont be able to make a payment now, but I can make a payment in XXXX. For the full amount of {$1400.00} she proceeded to tell me if any family members or anybody that I can borrow the money from. I did let her know that I dont have anybody times is hard so theres really nothing I can do but wait until XX/XX/XXXX to make the payment she proceeded to say that she would transfer me to higher up after being transferred, and talking to somebody all they kept on doing was trying to force me to get a loan to pay off this debt, and she kept on telling me That. oh I dont care about my credit. I dont care about anything at all because if I did, I would just go get a loan and pay this off. I did tell her I have bills I have things I have to pay and thats why unfortunately I cant make the payment now, but I can do it in XXXX. They did not care about that. She was very rude very unprofessional after waiting a couple minutes I did call back and I spoke to someone else. She was very nice. She gave me my account information I went into mine account as I enter my account, I seen that they had options where they show that they can take off of my balance, and and I can add a later day which I wanted to be XXXX all of this was online but the people I spoke to over the phone gave me false information saying that I can not pay it online saying they did not have a option to reduce the price and also put the day further then todays date all they wanted me to do is pay you now or point me in the direction to get a loan or payday loan which is very unprofessional they also said Theyre the only ones that can remove this off my credit, even after paying it, and really just trying to force me into doing something that I know I could not do now then the date that I have provided to them which would have worked and come to find out all of the things I was asking for, was provided to me as soon as I logged in into my account
Product: Credit card

On XXXX XXXX while I was at XXXX XXXX someone stole several of my credit cards that were in my vehicle parked in the parking lot. My husband got a notice from a different bank to verify a charge to which he denied. We assumed that was the only incident and went on with our day. We were about and hour from the beach in heavy traffic when I discovered my wallet was placed differently in my purse. I started looking and discovered several cards were missing including the one to Barclays Bank. I talked with them and they put the credit back and after sixty days determined it was fraud and I wasnt responsible. They closed the account ending XXXX and opened a new card ending in XXXX. I used the card a few times and on or about XX/XX/XXXXXXXX  I went to make a payment and discovered the charges were back. As I looked through the account I saw a letter saying they determined that since I had used the card it wasnt stolen so the charges were mine to pay. I called them and tried to explain that the charges were made on the replacement card not the stolen one. They said it would take 30 days to determine. I paid the amount that I had charged on the replacement card so it wouldnt go late. I called at 30 days and they said it was still there. I need to get the charges removed as I have never even been in the high end stores where the charges were used. Please help.
Product: Checking or savings account

Had account with XXXX XXXX  the bank was sold to provident bank had online banking with my business account now cant login in and provident bank tells me they cant find my account have no access to online banking or information on my account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 genisys credit union. I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, and XXXX  XX/XX/XXXX along with 8 hard inquires which icludes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these are fraudulent accounts I am a college student and was not concerned about my credit now that I am it seems someone has been using my information for several years and I would like it to stop
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Debt collection

National Credit Systems was sent a Request for Validation, Not Verification letter certified mail on XX/XX/2020. It was being sent about erroneous reporting to the Credit Bureaus. Also all three Credit Bureaus were sent letters certified mail pursuant to the fair Debit Collections Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested. 

I asked to please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgement if applicable : Provide the Statue of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : National Credit Services has not responded in 30 days. They sent a letter on XX/XX/2020 for a 50 % off of the debt of {$640.00} of the {$1200.00} if I responded by XX/XX/2020. 

Equifax Credit Bureau has sent a letter asking to verify my identity. My letter was sent with two forms of ID. Drivers license and Social Security number. 
Experian Credit Bureau has it pending until XX/XX/2020 Transunion has not responded about the dispute as well. 
This has caused my credit score to decline tremendously and caused me not getting a major purchase and defamation to my character because of the reporting on public record or collection of debt. 

All three major bureau 's have played stall tactics and continue to report erroneous information. I have all information from and return receipts of my first letters sent to bureau 's and National Credit Systems. 

They are in violation of the Fair Credit Reporting Act. 
Violation of the Fair Debt Collection Practices Act. 
Defamation of Character Please help me to expedite the results of removing these erroneous items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. In accordance with the Fair Credit report Act XXXX  account 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 is also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

Since XXXX, I have payed a total of XXXX dollars back on XXXX student loans that were originated by Sallie Mae/Navient XXXX for attending a XXXX XXXXXXXX. In XXXX, my federal student loans were forgiven automatically as a winning member of the XXXXXXXX XXXX XXXXXXXX lawsuit, because the school I attended ( XXXX XXXX XXXX ) was on their list of scam/fraudulent schools making those loans automatically forgivable just for me having attended. At that moment in time, Navient should have stopped collecting on my private student loans, and they should have issued a refund for the monies that I had already paid in for the remaining private loan ( s ). They did not, and they instead continued to collect until they recently forgave my remaining private loan balance in XX/XX/XXXX. I requested a refund of money via email, and my request was ignored. Navient has approved my school misconduct discharge form because they acknowledged that I had been defrauded, and I am owed a refund for all monies paid in.
Product: Consumer Loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX EXETER one has agreed to remove the unauthorized inquires from my XXXX report. I did not apply and have no credit with these people. 

EXETER XXXX/XXXX/XXXX my id is attached please verify my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised in the hacking of Equifax.
Product: Credit reporting or other personal consumer reports

I was extremely concerned to discover that multiple unauthorized inquiries from your company have appeared on my credit report. This is negatively affecting my credit and has caused me unnecessary stress and frustration.
Product: Student loan

They should contact my mother to collect these loans Navient is distracting me on my job and home calling numerous times daily for PRIVATE loans I did not take out even though I have repeatedly explained I had no knowledge of these loans and had a full scholarship and grants throughout my college years. 

I have completed all paperwork : notarized affidavit ; checks ; online loan applications ; etc. and gone through a law enforcement investigation in XXXX, CT where the loans were taken out by my mother. My mother has gone through a law enforcement investigation in XXXX, CT and signed a notarized affidavit. XXXX XXXX met with the prosecutor and the case was thrown out and made a " documentational file. '' Navient has even written to me saying, " I benefited from the loans because I was living at the same address. '' I was a full-time student, living and going to college at XXXX XXXX XXXX. 

This is deceptive business practice under FCC for me to be interrupted by Navient numerous times per day. XXXX XXXX and XXXX dropped the cases but it appears that Navient took out a federal guarantee insurance policy to cover themselves. My mother has paid hundreds of thousands of dollars and because of combined interest, NOT ME. This is harassment in the worse way. Please help me!
Product: Debt collection

the collector contacted my HR department, left a voice mail ( which I still have ) saying they were a " remediation specialist '' and that I was " chronic '' on not repaying my loans and did NOT leave a message as to the name of the agency she was with. Only that her name was XXXX XXXX, Ext XXXX and the number XXXX. When I called the number back just a few minutes later I was told that she had left early for the day and that they were trying to collect the debt for Check into Cash. This caused my HR department to call me into the office and ask about this issue.
Product: Student loan

I have consolidated my student loans with Mohela based on the directions to qualify for the Public Service Loan Forgiveness program. I submitted my paperwork on XX/XX/XXXX and did not hear from the company until today, XX/XX/XXXX. I have documents showing that I have made enough of the qualifying eligible payments but the letter states I only have XXXX payments to count. I have tried calling on several dates and have been on hold for over two hours. Today, XX/XX/XXXX, I tried to click ANY option to speak with a representative and the voice recording states they can not take my call because the high call volume. They direct me to their website. I have logged in to their website and messaged them with questions on XXXX dates. The dates are : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have not gotten a response from the company for any of the messages. 
I am not able to get any information on how to better submit documents for my verification of my previous payments and I am very concerned that Mohela is dragging their feet and lacking in customer service in order to keep my loans. This company has been granted the PRIVILEGE of holding ALL student loans for PSLF individuals. They are becoming the XXXX barons of the 21st Century and should be held accountable.
Product: Checking or savings account

Wells Fargo has froze my account and taken over XXXX from me on my business account. They said that I was sent money from someone who reported it which was a lie. The person who sent was my business partner at the time.
Product: Credit reporting or other personal consumer reports

This is my third requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and I noticed that Ive accounts that do not belong to me. the consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability with maximum accuracy. I have never opened these accounts. I have included in the screen shot thats inside of this complaint and on dates of XX/XX/year> please investigate and provide proof with statements showing that these accounts belong to me.. If proof can not be provided I demand these accounts be removed from my credit report immediately.. Please see screen shot attached Please delete accounts.
Product: Checking or savings account

I recently opened an account with Citibank and mobile check deposited my paycheck of {$600.00} into my Citibank account and enrolled in XXXX to send {$100.00} to mother ( XXXX XXXX ) and my account was blocked/restricted. I was told to wait for my debit card to arrive in the mail and it arrived yesterday I activated my debit card and withdrew {$300.00} cash as that was the limit, I planned to withdraw all of my money but I was blocked out of my account again. I have not been able to gain access to my account online or on the app ever since. I have called multiple times for multiple days but have been in a circle of no solution. They continue transferring me to different representatives who ask for the same information, cycle and repeat. No solition, no access to my own account and hard work earned money. Any information you need from me, my social security, my debit card number, my account number, my paycheck information i can provide. Please help me regain access to my account and my hard work earned money please.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are the only reporting agency that is inaccurate in reporting XXXX XXXX  XXXX XXXX and XXXX. It was part of fraud. But they are saying I paid it so it must be mine. No I paid it try to save my credit. Finally XXXX XXXX sent me a letter saying they would remove the accounts. They have been removed from all bureaus besides this one.  The lates were updated but wrong.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$500.00}
Product: Credit reporting or other personal consumer reports

They issue a XXXX without my knowledge they had all the wrong information about me. 
I didn't know anything about this loan until I saw the address on my credit report this loan was issued on XX/XX/year>2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings! This was my fourth complaint to follow up the items for removal that I previously submitted in the date XX/XX/XXXX. May I repeat that under section 605b of the FCRA the Experian, XXXX and XXXX Bureaus are required by law to remove any accounts or information which were found to be opened due to identity theft. Again, the disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$240.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$730.00} XXXX XXXX Balance : {$240.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, WI, XXXX XXXX XXXX XXXX, XXXX, AL, XXXX XX/XX/XXXX. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each of these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMC ( JP Morgan Chase ) has incorrectly marked my credit report as late : My credit score is still being impacted by JPMC. 

They claim I was delinquent on a car loan payment. I have always paid JPMC on time, and in full, via auto pay. They violated the fair credit reporting act, and never contacted me that they reported me for a late payment that is both false, and impacting my ability to borrow money. I have tried contacting them several times to no avail.
Product: Debt collection

Foster and monroe left the voice-mail below. I did not know who it was, called back and started speaking about my tax return This very important messages regarding a situation in our office pending regarding the tax return individual by the name of XXXX XXXX XXXX (? ) now. It's imperative that we speak to that individual their attorney or the power of attorney right away regarding the matter at hand pending in our office that may affect their 2020 tax return. Our office line here is XXXX XXXX thank you for your time and have a good key XXXX XXXX ... XXXX XXXX ....
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, Background : I m filing this complaint as a customer of Coinbase, of the leading cryptocurrency exchanges. I have been facing an issue where my account has been blocked and despite repeated attempts to resolve this, my funds remain inaccessible. Coinbase has cited that they are discontinuing services that no longer meet their updated standards and stated that they would provide instructions via email on how to withdraw my funds. However, this issue has persisted for about a year, with no actionable response or assistance from Coinbase. 


Account Blockage Date : XX/XX/year> Notification from Coinbase : I received a communication from Coinbase indicating that my account was being restricted due to updated service standards. They promised to follow up with detailed instructions on how to recover my funds. 
Repeated Attempts for Resolution : Over the past year, I have made numerous attempts to contact Coinbase support through their online support forms, email communication, and direct contact options provided on their website. 
Current Status : As of today, my funds remain inaccessible, and I have not received any substantial assistance or a clear process on how to proceed with withdrawing my funds. 

Impact on Me : The blocked funds have caused significant inconvenience, as these assets are a part of my personal financial management. The lack of communication and transparency from Coinbase has created undue stress and uncertainty about the safety and availability of my funds. 

Efforts to Resolve : I have contacted Coinbase support multiple times but have only received automated responses or non-committal updates that do not address my situation. No comprehensive plan or solution has been provided for accessing my funds.
Product: Credit card or prepaid card

Few months ago Bank of America closed my 2nd credit card that I had with them of credit line {$14000.00} and XXXX balance ( debt ) on it, several months of keeping it debt free - XXXX balance. They also lowered my credit line on 1st credit card ending XXXX from {$14000.00} to {$6400.00}. This all happened after I called Bank of America customer service in order to check with them to see if I can get promotional balance transfer to my 2nd credit with credit line of XXXX where I wanted to consolidate my debt in one single payment and help my self to pay off things faster. Few min later lady came back on the phone and said that she will immediate close my 2nd credit card, and lower balance on the first credit card to {$6400.00} due to income debt ration. I asked her what are the proofs you have on file for my income and how truly you know how much money I make? She repeated that my cc will be closed and no questioned asked and credit line lower on the other one. I told her, after 10+ years of loyalty with you, never missed payment, never defaulted, all balanced paid off, i asked first time for the help and instead to help me out you made things even worse. After they closed cc and lower credit line to my cc, my credit score dropped so bad and hurt me very bad. I called few times after to talk to managers, they promise to call me back and never did in order to get credit line back. My intention was never to additionally spend more money using their cc and put my self in more debt. They never waned to listed to me, neither to work with me, they never gave explanation for closing my credit card except income debt ration which was totally wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard credit inquiry on my credit report that I never applied for. 
For : XXXX XXXX, 2017 Company CBNAXXXX National credit cards/ airlines CBNAXXXX XXXX, TN XXXX