23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today,   XXXX   XXXX   notified me that a collection was on my account from  Persolve. This is not my debt more did I receive any notice of a debt from Persolve in writing prior to it being reported to the credit bureaus.
Product: Student loan

I have sent numerous Email to Nelnet regarding inaccurate reporting of a late payment, my loans was transferred over to Nelnet in XXXX of XXXX, On XXXX I called Nelnet to advise them that due to covid -19 and I'm on umemployment that I can not make payment, the representative put me on a a unemployment deferment. ON XXXX I received a notification that I have a 90 days late payment on my credit that is impossible because I was under the unemployment deferment, I wrote them a letter and also sent them proof of my phone records that I spoke to them on XX/XX/XXXX, XXXX they stated that they dont have any records noted on my account. This is unfair and unlawful against my consumer rights to make me pay for someone else negligence for not noted the account. I have attached my receipts along. I spoke with a Representative name XXXX on XX/XX/XXXX at XXXX and he stated that there is nothing he will do and that it will remain,
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XXXX  as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given TRANSUNION permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ). Both together and separately my consumer and privacy rights are being violated. Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information, please remove the above mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to TRANSUNION resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations. 
Warm Regards, XXXX XXXX XXXX Authorized Representative for XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Product: Checking or savings account

XXXX rep horrible Manager by the name XXXX manager escalation department is incapable on resolving an issue and extremely rude I request upper mananger to contact me
Product: Credit card or prepaid card

On XX/XX/2021, a FRAUDULENT TRANSACTION posted to my account : XXXX XXXX Other ... XXXX {$580.00}. 

I did not authorize a XXXX transaction with that merchant on that day or on any other day. 

This FRAUD was immediately reported to Capital One. The Capital One agent stated on a recorded line that a FRAUD REPORT had been completed and that new credit cards had to be sent to me as well as to my authorized users. I was also told by the Capital One agent on a recorded line that there would be NO MORE FRAUD allowed on this account by this merchant and that in no way would the amount be charged to the account again. 

Despite those assurances by Capital One, the FRAUDULENT transaction of {$580.00} again posted to my account. This time as a " purchase adjustment. '' I immediately called Capital One the moment that I discovered it. I was told by Capital One " FRAUD Transaction Agent '' XXXX that the reason for this is that the previous Capital One representative mistakenly filed my complaint as a " dispute report '' instead of as a " FRAUD report. '' This is very disconcerting as I was previously told by Capital One on a recorded line that. FRAUD report had been filed and that was the very reason that all of the credit cards associated with this account had to be replaced. 

XXXX then transferred me to XXXX a FRAUD Investigative Specialist who told me that this time, they would have the month-old FRAUD claim processed properly. When I asked if Capital One would be FRAUDULENTLY reporting s {$580.00} balance to the credit bureaus, she responded, Yes, Sir. 

When I asked how long the {$580.00} credit would take to post she responded, It might take a while. This response was entirely unacceptable. I asked to be transferred to someone in charge. After a long wait, XXXX, her manager told me that the credit would post in 2-3 business days. 

This is the same thing I was told over a month ago when I was also told that no purchase adjustment would ever appear on this account and no additional FRAUDULENT charges would appear either. This has not been the case.
Product: Credit card

I had an email get sent to me from capital 1 stating that I opened up a new card, which I didnt. Found it was tied to my social security somehow so Im trying to figure out whats going on.
Product: Checking or savings account

I received my report from XXXX XXXX stating that I owe Citi bank XXXX which this account does not belong to me an is unauthorized
Product: Mortgage

Last XX/XX/XXXX when the Covid Virus hit, we learned that we could contact our servicer and ask to have our payments deferred if we were impacted by the virus. I called to asked to have our payments deferred because my husband was barely making 30 hours a week, we have 6 people in our house. We were making half of what we normally make. I was told I would have to prove we were having issues in making our payments. Sorry, I do not know how to do that, and they did not give me advise on how to prove it. So, we had to start making our house payments late. Finally in XXXX of XXXX I made my last late payment and have been caught up ever since. If they had deferred our payments like the President said we could, I could have refinanced late last year and had a good interest rate. 
In XXXX of XXXX I started looking into refinancing our home. Only to find out that Mr. Cooper did not report our payments correctly in XXXX. They reported it as a 60 day late instead of a 30 day late. I have been calling and calling to have them fix the issue. I finally got a hold of a manager and they put in an order to have it fixed. The kicker is it takes 30 days to get it taken care of. I also found out that they do not report our monthly payments till a MONTH later of being paid. So, if you make a XXXX payment it does not show up till XXXX. 
I feel my refinance is being held XXXX because NO one wants to do their job correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCELERATED FINANCIAL XXXX IS APPEARING ON MY EXPERIAN FILE. 
ACCELERATED FIN. IS AN AGENT OF XXXX XXXX XXXX   THE DEBT BUYER WHO OWNS THE DEBT.THE ORIGINAL CREDITOR IS XXXX XXXX. 

THIS SAME ACCOUNT WAS DELETED BY XXXX  ON XX/XX/2018, BUT THE DEBT AMOUNT HAS BEEN CHANGED BY XXXX DOLLAR AND THE CREDITORS NAME HAS BEEN CHANGED TO THEIR AGENT 'S NAME WHOM THEY EMPLOY.IT WAS XXXX XXXX XXXX   ACCT NO XXXX. 

FOR XXXX TO PERMIT THIS FRAUD TO OCCUR IS A CLEAR FCRA VIOLATION.
Product: Debt collection

Schrier Tolin & Wagman clients are reporting inaccurate information about me on my credit report i have requested validation and they sent me copies off a loan application with different account # s as to what being reported different loan amount different loan type every piece of validation supplied was incorrect and invalid
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  ( Account # XXXX XXXX XXXX XXXX. ) ( XXXX XXXX  XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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
Product: Credit card

I received a letter from Citi BANK on XXXX/XXXX/14 its stated that they would not refund my money on the circumstances that services were rendered but the initial complaint was not that they did not provide service but the service was provided did not do as they promised, please ask the bank to provide me with documentation of every attempt at resolving this issue with the merchant on my behalf. I am very upset and irate & I need this to be taken cared of ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a address that showed on my background report that I never was a resident at. 
Please advise and remove.
Product: Credit reporting

I refinanced my Loan in XXXX of 2014. We bought the sales promotion of XXXX and tried to do a refinance through them, only to find out that every time XXXX of the banks called they would pull a credit report without permission from us, thus lowering our credit score. Making it more profitable for the banks because they would now be able to give us a higher interest rate ( conflict of interest ) So my issue with the credit reporting companies is the use of the review or a credit as a part of the formula for a credit score. This is creates a vicious circle and allows the credit companies originally developed by banks to keep you with or in your current loan. When a customer shops for a loan, they need to talk to a bank, the credit score is then pulled, lowering your credit score. 
We finally received our loan but now the credit score because we shopped to get the best interest has gone against our insurance for our home. This should not be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well, Experian always uses the lowest score cs the other bureaus and Experian is always updating late information. 

One company told me that experian uses scores 2-9 most use the highest score on a scale of 8. This practice I find is highly unconscionable to hard working citizens. Mostly all of the bureaus have been confiscated of our private information in some way shape or form. Yet, experian is the only bureau that will report rental history and updates behind and uses the last lowest score above all the rest. Can anyone look into this and do something about these bureaus reporting incorrect information?
Product: Credit card or prepaid card

In/around XX/XX/2020 I purchased what was supposed to be a new rug shampooer. The XXXX XXXX  company sent a pre rented unit that was filthy and does not work. I disputed the claim with SquareUp, Inc, owner of the debit card company. Several customer reps, in writing, told me that it would take 2 days to look at my claim. and give me at least temporary credit. When I called back after no word in two days, a rude car told me 60 days. I complained and asked to speak to a supervisor and this person XXXX said no you cant and I am going to hang up. ( No I was not screaming, being rude or yelling. I sent pictures of the non working machine and the serial number with a metal plate saying rental, please return. This information was ignored by SquareUp.
Product: Credit card or prepaid card

In early in XXXX, I received a call from Kohls collections letting me know that I had an overdue payment due. I told the representative that I was surprised to hear this and I must have overlooked something. I have a perfect payment history with Kohls and all other creditors. I asked the woman on the phone that if I made a payment on that day, would it be reported to my credit score? She verified with a supervisor that as long as I made the payment on that day, it would not be reported to my credit score. I was relieved to hear this and gladly made the payment. When I checked my credit score a month later, I was shocked to see that Kohls had indeed reported it as a delinquent payment. I immediately called Kohls and spoke to another representative. I explained the situation and how the first rep assured me it wouldnt be reported. She then also checked with her supervisor and said that they would redact the negative credit report. I was relieved to hear this and was pleased Kohls was honoring what the first rep told me. Today, I received a letter in the mail telling me that they have decided not to honor what either rep told me and the negative credit reporting would stick. I immediately called in and spoke to a supervisor named XXXX and told him the story. He then says to me, Maam you know this is recorded call right? Well we have you on recording admitting that you missed a payment My complaint is this : I was lied to by the first representative when she said it wouldnt be reported to my credit. Then I was lied to AGAIN when I was told that it would redacted. But worst of all, your supervisor XXXX THREATENED me by saying you have on recording that I said I know I missed a payment. This is disgusting and insulting to a Consumer. My issue is not with your credit reporting practices. I understand the need for that to be consistent. However, it is deceptive to the customer to have representatives lie or provide false information to them. On the second call, the rep could have easily let me know there was a decision making process and I could expect to receive a decision in the mail.
Product: Credit reporting or other personal consumer reports

After making numerous attempts to resolve the issue of erroneous information listed on my report experian has still failed to fix the problem. Farther more it appears that the company continues to display negligence bypassing the issue to hinder my ability to access and utilize my credit by internally limiting my ability to lift freezes anytime I do so it states that I have removed the freeze but companies have responded that they are unable to access my information due to a freeze I have recorded the most recent attempts oddly hard inquiries are still being listed
Product: Credit reporting or other personal consumer reports

This is very worrying, it's causing me XXXX. Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score and possible identity theft. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX IS WELL AWARE OF THE FRAUD THAT IS REPORTING ON MY ACCOUNT. THEY HAVE RECIEVED POLICE REPORTS FTC REPORTS AND THEY HAVE DONE THEIR OWN INVESTIGATION. DURING THAT TIME THEY FOUND VIDEO EVIDENCE OF THE PERSON COMMITTING THE FRAUD. BUT YET AND STILL THEY CONTINUE TO REPORT THIS FRAUD TO TRANSUNION, DAMAGING AND HARMING ME. MY CONSUMER RIGHTS ARE BEING VIOLATED IN MULTIPLE WAYS, AGGRAVATED IDENITY THEFT [ 18 USC 1028 A ] AND WILLFUL NON COMPLIANCE. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] THE LAW SAYS IDENTITY THEFT MUST BE BLOCKED WITHIN 4 DAYS [ 15 USC 1681 C-2 ] XXXX XXXX ACCT # XXXX .I will also be seeking XXXX per VIOLATION IF NOT DELETED ASAP 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1682g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civilliability for willful noncompliance [ 15 U.S.C.168in ]
Product: Credit reporting, credit repair services, or other personal consumer reports

A few days ago I received an email to XXXX saying I opened up a credit/debit card at NetSpend.com I contacted the company they said someone had opened up an account under my name and for me to contact FTC. A few days later I received another email to my second email XXXX saying that I had opened another credit/debit card at NetSpend.com when I went to my aunt 's house to pick up my mail. There was only one NetSpend card there. And I have never applied to either one.
Product: Debt collection

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Product: Debt collection

A person by the name of XXXX XXXX, contacted my place of business informing the Office Manager that he is filing a complaint against me, but addressed me with my former married name, which I have not used since my divorce became final eight years ago. He informed the Office Manager that he is going to garnish my wages. The Office Manager asked this person from what company was he calling from, and he stated he was calling from Nelson Cruz and Associates. The Office Manager then referred this person to our HR Department. However, I have never heard of this company, nor do I have any outstanding debt or loan. I believe this company obtained enough information about me to scam and fraudulently attempt to collect money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX XXXX I submitted complaint XXXX against Wells Fargo Dealer Services for inaccuracies on our account. On XXXX XXXX they clearly printed there response to our case and due to the outcome of our evidence. They decided to no longer pursue this debt. And said it would be wiped clean and reported to all 3 credit agencies and off of our credit report within 30 days. Today is XXXX XXXX, And today we received a notice from XXXX stating they were n't removing the debt off of there and it would stay on until XXXX. We are having the same problem with XXXX regarding this account. They refuse to remove it. I have submitted the paperwork showing that indeed this debt is not valid anymore. And it clearly states in the letter that it will be removed off of all 3 agencies. We have already tried our part with the agencies by faxing over that letter. And they still wo n't respond or just give a general vague response. XXXX removed it very quickly. And we are n't going to keep going back to the other agencies. Overtime we do that they start a new case and use that crutch for another 30 days to resolve. Right now there are 3 separate cases with transition and they are all regarding the same debt and issue. Same with XXXX. They say upload the proof to them on there site. But the site will not let you upload the docs. Both companies have verified on a recorded line that I have in my possession that they indeed receive all of the info But again keep using there 30 day cushion window to keep messing with our credit. Its been beyond the 30 days from the time this letter was typed up. We were told end of XXXX is the allotted time period. We are almost in XXXX. It is not our job as the consumer to chase down and talk to the 3 agencies and spend hours on hold. To get a debt removed that the company has clearly said is not a valid debt and they have also said that all 3 agencies were already notified and should be done by XXXX XXXX. Our job was to jump through the hoops and get ourselves our debts paid and removed. They are in direct violation of FDCPA laws. And at this point we can start seeking damages that are related to this matter.And any other violations that fall under the FDCPA laws that pertain to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowing several accounts to remain on my credit without deleting. 

XXXX  XXXX : No credit limit being shown on paid off credit card. This needs to be deleted XXXX XXXX : This account was paid & its showing the last active date was 2018 which means that Equifax never even investigated this issue. Delete from account
Product: Credit reporting or other personal consumer reports

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

1. DPT EDXXXX / Account # : XXXX has violated my rights. 

2. DPT EDXXXX / Account # : XXXX has violated my rights. 

3. DPT EDXXXX / Account # : XXXX has violated my rights. 

4. XXXX XXXX XXXX / Account # : XXXX has violated my rights. 

5. DPT EDXXXX / Account # : XXXX has violated my rights. 

6. XXXX / Account # : XXXX Wrong Name And Addresses. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( 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 reports by more than seven years. 15 U.S.C 1681 S-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, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.Pursuant to the Fair credit Reporting Act ( FCRA ) 15 U.S.Code 1681b its my consumer right to have these entries removed from my credit file. Block and remove these entries pursuant to 15 U.S. Code 1681c-2. Failure to comply is civil and criminal non compliance pursuant to 15 U.S. Code 1681n-o.
Product: Debt collection

Good afternoon, I recently reviewed my all-credit bureau Credit Report and I see on my report a collections debt XXXX XXXXXXXX  for {$270.00}. I am oblivious to having this ; it's listed as " Credit Services XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. '' I sent this institution a certified return receipt mailing ( letter ) to inquire and validate the debt with some formal evidence or contractual obligation and they have not responded.
Product: Debt collection

I don't owe this company this company is not licensed in the State of Az