23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is not my account. How many times do I need to dispute this non sense. 15 usc 1681b Follow the law And this was removed from my credit report And put back on. THIS IS NOT MY DEBT.
Product: Credit card

I was n't able to pay my balance on my American Express credit card so I called their customer service and asked what options they have available for me. I was told I could make monthly payments. I said great and told them I could pay it back in a couple of months. 

They told me I could pay it over a 12 month period. I said great, paid it off over the 12 months and found that it also hit my credit report as severely deliquent. 

The drop in my XXXX score is so severe that it is preventing me from getting reasonable rates ( i.e. Car loans, credit cards, etc ) or I will be denied from getting any type of loan. If I would have known American Express would report me as deliquent, I would have cashed in my XXXX to prevent this impact that will stay on my credit report for 7 years. It is equivalent to having a bankruptcy on your credit report.
Product: Money transfer, virtual currency, or money service

XX/XX/year> - noticed phone and wallet missing, Later on same day I recovered my phone and not wallet, didnt notice I had a unathorized withdrawls from my bank depositing XXXX dollars from my bank onto cashapp till I recovered my phone. 
Disputed charge, same day told them what happened they denied my dispute, disconnecting my bank from cashapp, The process of disputing with cashapp is confusing and repetitive, I thought I appealed the denial, they still wont refund me saying this was a transaction from me, again my ohone was stolen with my wallet XXXX, I didnt notice it was gone till the next day im already having enough trouble in my regular life to keep up with disputing this, I told them the informaTION requested and they keep denying it
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX  XXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

NOTICE TO CEASE AND DESIST Credit control LLC and XXXX XXXX. Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe Credit control LLC, and XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to Credit Control LLC and XXXX XXXX. You have 7 business days after receipt of this Notice to block all the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated XX/XX/year> ( see exhibit A ) and you can also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. Here is the account name and number for reference and incorrect amount. LVNV account XXXX amount of XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! Thanks, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Ky XXXX Last XXXX XXXX
Product: Bank account or service

My landlord wrote XXXX check to return our security deposit to my roommate and myself. He clearly wrote pay to the order of ( XXXX ) AND ( XXXX ). PNC bank cashed the check out to my roommate without my consent or presence. They should not have released the money to her without my permission also. Her and I ended on bad terms, thus, she will not give me my portion of the money. I contacted PNC multiple times about this issue and they have not done anything to resolve the matter.
Product: Credit card or prepaid card

I Have Previously Resolved A Dispute Regarding fraud perpetrated against My Target XXXX XXXX. This Resolved Problem has now returned in my current billing statements. I Did Not Make these purchases. I Had A Prior Balance That Had Been Settled On. And I have recently spoken with XXXX from their fraud department. Her attitude was uncaring, firstly. A Massive American Retail Outlet Should Be Concerned On Behalf Of It's Patrons. I have been a victim of fraud : Then I Stated And Succeeded In My Defense and I Have Evidence In The Form Of statements issued by the company That Adjusted My Balance Appropriately and also several statements that show 4 different balances all sent within a 2 week period. I Also Have Payment Receipts And I Would Sincerely Appreciate Knowing The Origin Of these spirulous charges and newly inked illegments ( past or present ). As I Have Not Used their XXXX XXXX since XXXX of this year. Please Help. Thank You Very Much. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion billed me {$24.00} for a subscription service that was not listed to be deducted from my credit card at the time of creating a TransUnion account. Page said they only needed the cardholder 's credit card information to " verify identity '' but absolutely no mention of a {$24.00} monthly fee was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed a contract with Apple Law Group ( XXXX XXXX XXXX # XXXX XXXX XXXX CA ) in XX/XX/2015 to settle my debt from XXXX XXXX XXXX and XXXX XXXX. After paying them about 3k nothing was done and I ended up getting sued from XXXX XXXX XXXX and ended up settling the XXXX XXXX myself. Apple law will try to say I " breached : my contract and stopped making monthly payments but apple law told me my dent would be resolved within 6 months so why should I continue giving them money when they are not doing anything. After being threatened to be sued by XXXXk XXXX XXXX apple law finally " attempted '' to settle my debt in which I had to pay more than half of my debt still instead of paying 1/3 of what I owed which was what was advertised by Apple Law. Apple law refuse to also credit me XXXX which was my remaining balance that they did not use ( I sent them a lump payment of around 1200 in which they used around 700 to make the first payment to XXXX XXXX XXXX ) I also had to settle my XXXX XXXX debt myself because the employee there couldnt get me an offer lower than XXXX whereas I got myself an offer to settle for XXXX. Apple law group is out of business now and I dont how how to my money back for false services and my credit of XXXX that I paid in excess.
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, PA XXXX DATE : XX/XX/XXXX SOCIAL SECURITY # XXXX DATE OF XXXX : XX/XX/XXXX. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX Collections Account Number # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I DEMAND FOR THE LATE PAYMENT collection from Opened XXXX TO BE REMOVED IMMEDIATELY. 

BEST REGARDS, XXXX XXXX.
Product: Debt collection

This company Fidelis Recovery Management keeps calling me at XXXX-XXXX-XXXX   and XXXX-XXXX-XXXX looking for a family member, XXXX XXXX XXXX, who does not reside in the home and whose phone number is neither of those listed and that I do not have any contact information to provide I have told this company several times when they have called that this is not the person 's number whom they are looking for and to please stop calling both numbers listed above to no avail. The calls keep coming in regularly and I want them to stop calling for someone whose correct contact information they already have, they just can not get a hold of this person obviously.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago, I downloaded my full credit report with my social security number and noticed that there were a number of accounts that were not mine, including an auto loan and two store credit cards. Additionally, another name was also on my report ( in addition to my own name ), as well as various identifying information ( addresses, work address, etc. ) I do not know if this was a mistake or if someone deliberately used my social security number for getting a loan, but the fact that there were multiple instances leads me to believe that it was intentional. 

At the time, I tried getting the individual lenders to remove the accounts from my report, but it didn't work. Since then, the auto loan has been paid off successfully, and no longer appears in my active report. However, all of the personal information for this or these other person/people is still appearing and is updating in my personal credit record, some of which is available online at numerous access points. 

This causes a number of issues, the first one involving proving my identity to anyone who is trying to use my report to confirm who I am, financial institutions or otherwise. Since there is a significant amount of data that is NOT mine, it is impossible to pass any such verification procedure. 

I would like to be able to contact the credit reporting companies or other data collection center directly in order to have this issue solved and have my record corrected.
Product: Student loan

I have contacted the Department of Education, Aidvantage XXXX XXXX several times regarding issues I was having regarding fraudulent and incorrect information listed on my accounts with them regarding schools listed that I had never ever attended. There were XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had disputed these loans for years and the Department of Education XXXX XXXX refused to remove these loans from my accounts and records with them period. XXXX has a lawsuit and I did receive information in the mail that I was a part of the settlement in the amount of {$260.00} as well as the dismissal of loans. I saw on XX/XX/22 the email and news that the US and the XXXX XXXX are canceling XXXX  XXXX in student loans for {$200000.00} defrauded by their colleges and universities. This list includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as over XXXX schools. I have been disputing these items for years and the refusal in which to remove and update these items from my accounts on so many occasions is beyond egregious and excessive, to say the least. Department of Education is the worse as well and they need to be held accountable, liable and responsible as well just like XXXX and everyone else. They have the capability to make changes as well as updates and the fact that they flat out refused to do so for me after I have been battling this matter for years makes me want to file a lawsuit against them and I definitely plan to do so because I told them over and over again that I never attended these schools and the fact that they fail to assist me with this matter in my time of need is just exhausting and overwhelming, to say the least, and the fact that they did not believe anything that I was saying regarding this matter is the worse possible feeling and the worse thing that they could have done to me and now I am so glad to see them getting exactly what they deserve and then some. It has been long overdue and a long time coming. 

XXXX XXXX XXXX
Product: Debt collection

LVNV, Resurgent failed to send me a dunning notice before reporting on XXXX, XXXX and XXXX.Which is a violation of the FDCPA and FCRA. Furthermore they have the wrong address and have admitted such. They filed a judgement with my county court and the notice to me was returned because they have the incorrect address. These unlawful practices of LVNV is causing a huge hardship financially and emotionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 I used XXXX XXXX to refinance a house I owned. Through XXXX XXXX   process they ran my credit three times : 3x with XXXX/XXXX XXXX giving me three hard inquiries. They told me that was standard practice as they shopped my loan. This is wrong since I filled out one application. My credit score has dropped dramatically because of this.
Product: Student loan

Despite repeated attempts on my part to contact the company ( Navient ), and request a conversation with a human being, nothing happens. Navient continues to allege I 'm late on my payments ( I 'm not ), and assess late fees, and call me on a near-daily basis. I contacted the CFPB once before ( 3 years ago..? ), but all that happened was that I was referred to a representative from Navient ( XXXX XXXX at that time ), who simply referred me to programs to help pay my loans. This did not address the problem. Can the CFPB help me fix the issue with Navient?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian and XXXX to reinvestigate this account : Account name : XXXX -- - Account Number : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I requested proof of documents to this account and they could not provide any proof. 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXXXX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX XXXX : # XXXXXX/XX/XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have asked equifax, XXXX and XXXX to remove inaccurate address and phone number for my credit. I was told by all XXXX that they will be remove the information but they still showing up on my credit report.
Product: Credit card or prepaid card

I placed an order at a merchant called XXXX in their internet website on XX/XX/2019. The company cancelled the order. However, a charge was issued to my credit card which they refuse to remove. My credit card company will do nothing about it.
Product: Checking or savings account

Been a customer with Wells Fargo since 2011 its basically a second chance Account and also XXXX the beneficiary over my daughter XXXX so its an XXXX account. They keep charging overdraft fees that they have to send it back also told him numerous of times on numerous occasions that I dont want that account being overdraft to take it off and they continue to let the account be overdraft had an issue with them before hand charging late fees on the account when is an XXXX account and its not supposed to be charged Also been reaching out to them to find out if Im a part of the Class lawsuit thats involved with them. They havent been giving me any information towards that either so I would like to know if my name is in the lawsuit or if Im owed anything
Product: Debt collection

I keep getting calls all the time about debt collection. This has been going on for many years but I have just ignored the calls in the past. I have checked my credit report thoroughly and I don't have any past due debts. 

The person on the phone said the company was Financial Asset Management Systems Incorporated and that his name was XXXX XXXX. The phone number was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I was shopping for mortgage rates online and submitted my info to a couple of lenders- one of which was JPMorgan Chase Bank, since I have an existing credit card relationship with them.

I was told that the online application is a soft pull and not a hard pull. However, when a customer representative called me he said he has my score and didn't have an appropriate response as to how he pulled my credit without my permission.

Following this, I got a letter in the mail from JPMorgan Chase Bank as well stating that they got my credit score from XXXX Consumer Relations. I had at no point authorized them to do a hard credit pull I need this expunged from my record, since I may need to apply for a mortgage loan in the future and do not want this hard pull to dent my score
Product: Checking or savings account

On XX/XX/XXXX, I wrote a check ( # XXXX ) in the amount of {$1200.00} On the same day, I put a STOP PAYMENT on the check. 

On XX/XX/XXXX, the bank paid out on the same check ( # XXXX ). 

On XX/XX/XXXX, I walked into my branch ( Bank of America XXXX XXXX ), and spoke to the branch mgr. I explained the situation. I told her that I was surprised that the check was paid by the bank. 

Her response was, " it should not have been paid for 2 reasons ; 1 ) its a stale check and 2 ) a stop payment was put on it '' With me in the room, branch mgr called customer service. She was surprised to hear that STOP payments expire after 6 months. And checks do not go stale. 
She was very surprised. And I was too, of course. 

I was not informed that STOP payments expire. 
Also, the check was presented months earlier, and block by the bank. So the thief waited for the STOP payment to expire. 

I was not notified that the check was presented earlier easier.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 XXXX : XXXX service charge - XXXX XXXX XXXX Original Creditor - XXXX XXXX XXXX  ( Account XXXX ) Collection Agency - Wakefield & Associates ( W & A ) ( Account XXXX ) Have had major medical expenses over the past year and did not realize that a charge with XXXX XXXX XXXX  was unpaid until the following events : XX/XX/21 - Received alert via XXXX Credit Monitoring Service that W & A had flagged my account for collections on XX/XX/21. Credit score drops XXXX points. 

XX/XX/21 - I checked my balance with XXXX and see that I have a {$0.00} balance ( see attachment showing image of balance ) so I thought it was paid. I immediately submit an Experian dispute ( # XXXX ) on XX/XX/21 with statement and attachment showing XXXX balance with CEP/Vituity. 

XX/XX/21 - Response to dispute was received the same day w/ no mention or explanation of what happened. I was on vacation and by the time I saw the dispute was responded to, it was XX/XX/21. 

XX/XX/21 After not seeing any statement in response to my dispute, I immediately call W & A directly. They confirm it was for a service charge of {$460.00} that was never paid. After confirming this was true via my bank records, I pay via telephone to W & A ( requested that added service/interest charges be waived which W & A employee granted ). Attached picture of Discover card transaction history proves the charge was processed on that phone call XX/XX/21. 

XX/XX/21 Receive alert via XXXX  Credit Monitoring Service that W & A has again flagged my account for collections on XXXX. 

XX/XX/21 I submit a second dispute ( # XXXX ) via XXXX  explaining that I paid balance on XXXX. 

XX/XX/21 Response received via XXXX shows that balance still had not been paid as of XX/XX/21. No statement in response to my dispute was included. 

XX/XX/21 Credit Score drops by an additional 19 points. 

Both Experian dispute reports are attached. As well as proof of payment.