23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contact your office along with all three credit bureaus Trans Union, XXXX  and XXXX  about the account named XXXX. On or around XX/XX/2021 it was removed from XXXX  and XXXX  but so some reason Trans Union is still reporting incorrect information which is in direct violation of the 15 USC 1692. Trans Union also keeps contacting me via post card stating person statements about my request to dispute this information which again is direct violation to 15 USC 1692 validating my right to privacy. 

Please have this item removed from credit report and also put them on notice that they are violating my right to privacy by sending post cards stating any of our business for whom ever hands and eyes can see and touch. 

also they are giving me hard removing name and addresses and employers that do not belong to be listed below 1. XXXX XXXX 2. employer ; XXXX  XXXX XXXX 3. employer : self employed
Product: Credit reporting, credit repair services, or other personal consumer reports

Please do not deny my complaint by stating that I filed this by some other means than myself ( This is completed by me 100 % ) and that you can't confirm my identity because you continue to send letters to my home address and continue to add accounts to my credit report, so if you can't identify who I am as you have previously said then you are illegally adding false inaccurate accounts to my credit report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
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 Names : 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 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

hello, I have been working with Navient on a lower payment plan. This is now my second time dealing with this same issue which was actually handled by CFPB last year. I spoke with a woman named XXXX at XXXX ( ext : XXXX ) on XX/XX/18 and we discussed numerous financial struggles I am currently facing. They had me set up on a rate reduction plan originally for $ XXXX/month which with debt/income ratio, it was putting me negative every month. At the time, the IRS depleted my bank account, my finance left me, and my co-signer passed away. On top of all of that, my parents went homeless. She was able to set up a lower plan. I have three loans : loan # XXXX, XXXX, XXXX. For # XXXX, we set up a forbearance ( {$50.00} ) until the end of XX/XX/XXXX ( confirmation # XXXX ) and for loan # XXXX & # XXXX, she set up a monthly payment for {$220.00} ( XX/XX/XXXX-XX/XX/XXXX) with a payment of {$78.00} what would be deducted for the month of XXXX XXXX. ( confirmation # XXXX ). This was a plan that I could work with. As of today, I received a phone call stating that said my program was not set up right, there was an error, it was not done right .... and I had no option but to pay another {$100.00} a month. A supervisor ( XXXX ) I believe her name was XXXX or close to that ( we spoke at XXXX ) said that XXXX set up the program wrong and that there was nothing else they could do. She quoted, " oh, XXXX did not set this up right ''. If a company makes a mistake, isn't it on them to try to make the customer comfortable not try and blame the problem on the customer?? Ironically, when asked to speak with XXXX, I was told " she no longer works for this dept ''. I am getting frustrated because every time I set up a rate reduction plan with this company something happens on their end and some how it's on me to come up with the difference. I need help because I can't afford to go negative again or destroy my credit because of ONE more mistake that they made on their end. I just don't understand why I have to pay more for a mistake that way made on their end. I don't feel valued with this company and I feel like they don't respect or care about their customers. Please help me.
Product: Debt collection

This company Phoenix Financial XXXX is attempting to collect an amount of {$830.00}. I do not owe anyone any money or have a reason for this charge.
Product: Mortgage

I sold my home and the mortgage company held the paperwork for the title release for 3 months. After numerous phone calls from not only myself but my real-estate agency along with emails and documentation sent. It still took 3 months and I was still making payments they did charge me interest on all of the payments and the payoff. My relator suggested I make a complaint for all the delays and expenses occurred to me. Is their anything I can do??? 
Thank You
Product: Debt collection

I continue to receive DIFFERENT collection agencies over an alleged debt owed to XXXX XXXX XXXX. Not my debt. I have said to XXXX XXXX XXXX many times and I continue to receive collections notices. I started to report this to the CFPB and there is a prior case number of XXXX. There is a clear pattern of going from one debt agency to another debt agency, in perpetuity. Perhaps the law has a loop hole that requires patching up since the consumer is still being harassed by the same alleged debt just by different collectors. Shame on you XXXX XXXX XXXX. I have already communicated with you on more than one occasion ( and each time I must bear the incredible wait time ). Each time I must wait for your associate to find the file, the information and these poor associates are clearly from another country trying to figure out what is going on. I then sit through a tricky session where I barely comprehend the XXXX. Then I repeat my story. Each time, promise to sort it out but I continue to receive collections letters. 

I have spent countless hours dealing with this. 

Sequium Asset Solutions , LLC is another collector sending me letters.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number:XXXX  Account name : XXXX Account Number:XXXX  Account name : XXXX XXXX XXXX XXXX Account Number:XXXX Account name : XXXX  Account Number:XXXX Account name : XXXX XXXX Account Number:XXXX  Account name : XXXX XXXX Account Number:XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Payday loan, title loan, or personal loan

Loan Number:XXXX Ace Cash express has charged fess that violates the State of Texas usury laws.

The current maximum interest rate that a creditor can charge for a loan in the State of Texas is 18 %. The current loan rate has an APR of 661.69 %. The terms are predatory and were designed as an attempt confuse and defraud borrowers. In XXXX and XXXX, Ace Cash Express settled a class action suit from the CFPB regarding this very practice. Ace Cash Express continues this practice today. Additionally, this creditor violates the Fair Debt Collections practices. They contact consumers from various telephone numbers ( with caller ID information hidden ) at multiple times of the day, without leaving any voicemail or identification of who they are and that their calls are an attempt to collect a debt.
Product: Credit card

Dear Sir/Madam : On or about XX/XX/year>, I applied for an American Express card XXXX The only bills that I have are my rental payment of XXXX} and my car payment XXXX XXXX XXXX XXXX I have approximately XXXX XXXX XXXX XXXX XXXX in my savings account and approximately ( {$15000.00} ) in my checking account. I am retired and I received approximately ( {$5000.00} ) XXXX XXXX XXXX  per month from my retirement. I NEVER missed rental or vehicle payment and I was NEVER late paying. 

American Express denied my application and stated that it was denied because of my debt. I believe that I have very little to no debt and that I am very much qualified for approval. 

American Express stated they would mail me an explanation for my denial, but they never mailed me the explanation for their denial. I would like to know, the realreason for their denial because I believe that I am very much qualified for approval.
Product: Checking or savings account

On XX/XX/2021 I received several suspicious msgs on my phone supposedly from " Chime '' so I took screen shots of said msgs and sent to customer service @ Chime. They immediately locked my account. After two day of calling and calling finally spoke to a supervisor ( which his name and notes are on my account ) " XXXX '' employee number XXXX conformed they had in fact received my email containing front and back photos of my government issued driver 's license, social security card and a utility bill in my name with corresponding address wwhich was at their request. No one @ Chime will explain why they will not " unfreeze '' my account. They just keep saying your account looks fine and should be unlocked within 24-48 hrs, since the XXXX. After much leg work on my end finally got deposits stopped to the Chime card but two deposits were before I could get all stopped so there's even more on my card now. XXXX XXXX XXXX Chime XXXX has basically stolen my money. PLEASE SOMEONE HELP
Product: Checking or savings account

On XX/XX/2022 I transferred money from my savings account to my checking account then withdrew the money. Fifth Third Bank determined this was suspicious activity and locked my accounts. On XX/XX/2022 I went to ATM and withdrew my savings. I spent 3 hours on the phone on XX/XX/2022 trying to straighten out unlocking my accounts. There were sufficient funds to cover all transactions. The bank kept hanging up on me. There seemed to be no more problems until XX/XX/2022 when I attempted to pay my electric bill via bill pay. My payment was held from XX/XX/XXXX through XX/XX/2022. I went to my local bank to ask why the funds were held. The banker told me it was not her responsibility to check into these holds. I was told to call customer service. When I stated that I did not want to be placed on hold for hours, I was told to find another bank if I wasn't happy. I left the bank and called customer service. After 45 minutes the person on the phone said I would have to be placed on hold for third time. I asked her to call me back when she got an answer because I was heading into a doctor 's appointment. I was then informed that they would not call me back and that if I called back later, I would have to start the whole process again.
Product: Money transfer, virtual currency, or money service

I attempted payment of {$5100.00} to XXXX on XX/XX/2018 for City of XXXX XXXX tax. My multiple attempts to use the free e-check option were denied. A customer service rep informed me that the e-payments were not possible to the City of XXXX at this time, but a fix is in process. I reluctantly chose to continue with a debit card even though there is a fee. After choosing the payment option of " Debit Card '', accepting the expected " convenience fee '' of {$5.00} and entering all required information, the error response was " enter valid card number ''. I tried several more times with the same result. I was on the phone with a second customer service rep and she told me that for debit cards with a chip, you need to choose the payment option of " Credit Card '' instead of " Debit Card ''. Notably, she stated that the XXXX system has " always been that way ''. With the rep on the phone I entered my information again using the same debit card, but selecting the " Credit Card '' option as instructed. This time the " convenience fee '' was {$120.00}. As I had been through this process several times previously with a stated {$5.00} fee for a debit card, I almost clicked through to complete the transaction. 
Clearly XXXX payment portal is designed to collect unjustified fees in the form of a percentage of the payment ( in this case 2.5 % ) for all debit cards with a chip, which must be processed as credit cards on their payment portal. In the case of my incomplete transaction, XXXX would have overcharged {$120.00} for the 'convenience fee '. There is no obvious indication on the payment portal that debit cards with chips must be treated as credit cards. It is my understanding that debit card fees can not be excessive and are in a different category from credit cards. I believe that XXXX is fraudulently charging excessive fees on debit card transactions by forcing the debit card with a chip to be reclassified as a credit card in order for the payment to go through.
Product: Debt collection

I submitted proof of insurance for this expense and the party received payment. I disputed this collection attempt with XXXX and it was removed from my credit report. It has now been added again. Please remove this, as the debt has been paid in full.
Product: Debt collection

Debt Buyer Subject : Dispute of Collection Account Reported by Debt Buyer Issue : I am disputing a collection account reported by Debt Buyer for {$1600.00}. I have no knowledge of this debt, and it appears on my credit report without validation or notification. Details : Collection Agency : Debt Buyer Balance : {$1600.00} XX/XX/year> Original Creditor : XXXX I have never had an outstanding balance with XXXX that matches this amount. I request validation of this debt, as required by the FDCPA, or immediate removal from my credit report if validation can not be provided. Impact : This unverified collection account is negatively impacting my credit score and limiting my financial opportunities. I request a prompt investigation and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Product: Prepaid card

I have a paypal prepaid card that was used in fraudulent activity, I filed a claim for the certain amount, two days later i received an email saying my claims are denied, So I call the paypal debit company to address the situation, they told me someone used my debit card which i never used one since i only used this account to deposit small amounts that accumulated over the years, so they tell me since it was my card they must deny the claim, and I explained to them that even if someone used my card without authorization that is still fraud and explained to them that I trusted my money in there bank, well then I ask them were was these transactions made which i didnt know since i abruptly called to close the account since my wife and I accounts were hacked they even called our phone providers and had our numbers changed without our knowledge so we were completely in the dark, well to end this off they told me the transactions was made in Florida and I live in XXXX Maryland , I cant understand if was even to consider committing fraud with paypal prepaid why would i fly to Florida to commit such a crime that would not be cost friendly, I am very upset that i trusted this company with the protection of my money and yet they still tell me to go to the XXXX store in Florida to prove it wasn't me seems that the scammers know exactly what stores to scam, Seems i have been a victim of a scammer and the bank, I hope that someone will understand and can help me to please resolve this unfortunate incident and get my funds returned thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX 
{$160.00} XXXX XXXX {$460.00} XXXX XXXX XXXX   {$830.00} XXXX XXXX XXXX {$170.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

This accounts are inaccurate and false reporting. Please remove it from my credit report. 



XXXX XXXX / XXXX / {$0.0XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  / {$190.00} Chapter XXXX Bankruptcy / XXXX / {$0.00}
Product: Credit reporting or other personal consumer reports

I just looked at my consumer report and noticed 3 separate fraudulent accounts and 9 separate fraudulent inquiries appearing on my consumer FICO credit report which are not related to any transactions made by me the consumer ; which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXXXXXX XXXX opened on XX/XX/XXXX, under the account number ( XXXX ), a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), and a Collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of ( {$1400.00} ). The inquiries are XXXXXXXX XXXX XXXXXXXX open on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX ; XXXX XXXX opened on XX/XX/XXXX ; XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX. These accounts have been reported without my expressed, written consent. therefore is a result of identity theft and must be removed. Please Investigate and provide proof that I authorized the reporting of this information to my consumer report. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : ( NATIONAL CREDIT SYSTEM ) ( XXXX ) XXXX : ( NATIONAL CREDIT SYSTEM ) ( XXXX ) XXXX : ( NATLORSYS ) ( XXXX ) XXXX : ( NATIONAL CREDIT SYSTEM ) ( XXXX ) XXXX : ( NATIONAL CREDIT SYST ) ( XXXX ) XXXX : ( NATLORSYS ) ( XXXX ) XXXX : ( XXXX XXXX XXXX XXXX. ) ( XXXX ) XXXX : ( XXXX ) ( XXXX )
Product: Credit card or prepaid card

I opened an Apple Card account in XXXX of XXXX, and I was assigned a paltry limit of {$250.00}. Since that time, I have used my card often, and every few days am forced to make a payment so I can free up available credit in order to use my card again. 

After asking to have my initial limit reconsidered, Goldman Sachs told me I must wait 90 days before I can request an credit limit increase. Yesterday, I requested an increase, and was denied because a payment I made was recently returned unpaid. 

The returned payments occurred on XX/XX/XXXX and XX/XX/XXXX. Neither payment was returned due to insufficient funds. The payment on XX/XX/XXXX was returned due to uncollected funds. A deposit I made the previous day was not made available until two days later. The funds were there, but they were inaccessible. The payment on XX/XX/XXXX was returned due to my account being frozen. Someone was able to obtain my debit card number, replicate my card and use it to withdraw funds at a non EMV atm. The bank froze my account to make sure no one obtained my account number to withdrawal funds. After it was confirmed that my account was secure, the account was unfrozen. 

I have made a diligent effort to demonstrate to GS that I am capable and willing to make timely payments on my account in full so that in return, GS increases my credit limit so that I can use my card regularly without having to pay the balance every other day. Through no fault of my own, this effort has been handicapped. 

My dob is XX/XX/XXXX. The last four of my SSN XXXX.