23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

About 2years ago I was contacted by XXXX as my name was used to open 10 different cable accounts fraudulently at the same time. They had sent my name to collection agencies. After going through they concluded that it was fraud wrote me a letter apologising and promising they will erase the fraudulent accounts. However going forward I see this was not done. I still get calls from the collection agencies for debt even though XXXX said they were going to remove them. I have contacted XXXX  severally and they even said in some occasions that it is not showing in their system that I owe.I have contacted the collection agencies and they are stating XXXX has to send them a letter. I have contacted XXXX and they are saying they have no record of debt but however the collection agencies are keeping the debt as a ding in my credit reports. Please save me from these wicked souls
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX I had credit freezes with all three Credit Reporting Agencies in place since as an XXXX XXXX XXXX I don't normally apply for any new credit. I was switching XXXX service providers and they needed to run a credit check. 
When I tried to sign on with each Credit Agency they made me change my existing passwords ; then they each steered me to a website page that tried to upsell me to a higher level of constant credit monitoring. Nowhere on the page was there a box for freezing or unfreezing my account, nor was there a query search box available. 

Finally, I did an internet search and saw that XXXX Bank had information on how to lift a freeze with credit agencies and provided links. I was able to temporarily lift the freezes with XXXX and XXXX. Equifax was the worst. They couldn't identify my account using my user name or email address, gave me a phone number, where a computer asked me a dozen related, multiple choice credit usage questions. Then the computer said I would have to mail in or fax the request for a temporary unfreeze. 

Total time, over XXXX hours and still don't have the temp unfreeze from Equifax. 

By placing an upsell page 1st on their website, I am sure many inadvertently are signed up for their more expensive services. The FREE services should be prominently shown on all their web pages and the Freezing, Unfreezing service easily found. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information or fraudulent .This is discrimination based on gender race and financial capabilities. I want to file lawsuits against XXXX XXXX and Equifax for libel and slander.
Product: Prepaid card

I will submit XXXX complaints, one for each pre-paid Amex gift card. 
XXXX ) Ends in XXXX, balance {$1600.00} ( Complaint Number XXXX ) XXXX ) Ends in XXXX, balance {$2500.00} ( Complaint Number : XXXX once I submit this form ) In XXXX, I received XXXX {$2500.00} American Express gift cards ( prepaid business gift ) in leu of an awards trip through my employer. 
I was able to use the first card ( ending in XXXX ) XXXX time at a hotel on XX/XX/XXXX. I was unable to use the card after that. Working with AMEX, I was able to have restrictions removed and made another purchase on XX/XX/XXXX to purchase a ski pass at XXXX XXXX XXXX XXXX. Now the card is not working again. There is a balance of {$1600.00}. 
The second card ( ending in XXXX ) has never worked. It has a balance of {$2500.00}. I tried using it to make a purchase at a hotel XX/XX/XXXX, on XXXX in XX/XX/XXXX, in-person at XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX, and in-person at XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. 
I spoke with a customer service representatives several times. They said the cards should work if I used the cards in-person. They do not. 
I had the company send me replacement cards in XX/XX/XXXX, hoping that would resolve the issue. It did not. 
On XX/XX/XXXX I called Amex again because I was trying to make an in-store purchase at an appliance store. The AMEX customer service representative said it must be the magnetic strip ( on the recently replaced card ) and recommended replacing it a second time. I do not believe that is the issue. 
I am tired of not being able to use my cards. The AMEX site says they can be used anywhere AMEX is accepted. This is not the case. I would like my money please.
Product: Debt collection

XX/XX/XXXX : Called the 4th time and I returned the call in which I asked for the XXXX guy who keeps reaching out to XXXX XXXX. I did n't reach him, but I explained this was n't the person number they were looking for and to drop the number. They said it will be taken care of. 

XX/XX/XXXX : Call after the 5th time and I tried to reach out to the company through the directory and that number does not allow me to talk to a representative anymore, it just disconnects.
Product: Credit reporting or other personal consumer reports

Experian XXXX. XXXX. XXXX. XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX Requested validation of accounts on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to obtain my annual copy and the company has refused to comply. I initially tried online but was denied due to me requesting a copy for being declined last year. They stated I can not do it online but once a year no matter what the situation was. I then faxed over a copy of my utility bill and id attached and they are not stating it is not legible. They refuse to validate over the phone. They are in violation of my right to obtain a free annual copy.
Product: Credit card or prepaid card

Every time I apply for a synchrony bank credit card I always receive the same decline response application as a risk factors that caused us to be on sure of your identity. Or unable to verify identity. This is synchrony banks, job to call me and verify the application it is not fair that I am using my inquiry to apply for credit with my credit score being in the 700s debt to income, low and income high for you to decline me for such frivolous purpose. I am including a copy of my drivers license, state ID card, Social Security card, and letter to verify that this is me I need for you to reconsider this application.
Product: Student loan

I am having trouble with my lender providing assistance to the freeze education offered by the president and education department. 
During the cares act AES claimed my loan was commercial only provided forbearance one deferred but with interest rate accruing.

During my investigation of my forged documents and illegal transfer of my loan by AES/ XXXX XXXX, the XXXX had informed me I was a federal loan and I was misinformed. 
I would like to know why the lender has overlooked this and now Im in delinquent account. 
I am still seeking answers from XXXX XXXX, of The XXXX XXXX XXXX  AES  XXXX XXXXl on my illegal forged documents and illegal transfer of my loans to Goal Financial. 

I have fully complied and submitted a XXXX page fraud package on XX/XX/2021. 
AES FRAUD DOCUMENTATION/ IDENTIFICATION THEFT / FORGERY SENT TO THEM via Certified mail on XXXX receipt enclosed * AS PER THEIR REQUEST AND NOTARIZED Adding to my case. Cyclical elusive tactics- The latest response from the service department PHEAA /AES PHEAA and AES are non compliant, elusive tactics and have ignored my case. I have been requesting assistance with AES since XX/XX/2021. After much frustration and run around by them, I finally requested the Fraud Package. 
I have sent them the fraud package in XXXX via certified mail. 
*See documentation on the pdf provided False certifications and forged signature forms. Affidavit, police report, notarized request of my signatures etc as AES requested
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2021 a fraudulent secured loan was opened in my name at XXXX XXXX XXXX XXXX. I have made several attempts to resolve this matter but this bank continues to report this fraudulent account to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in dispute letters requesting the company verify and validate information appearing on my Consumer Report. My consumer report is reporting erroneous information. Which is hindering me from obtaining higher credit limits obtaining higher credit limits and it's also showing me as a risk.

In accordance with the Fair Credit Reporting act, this company has violated my rights according to the following :

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 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
Product: Credit reporting or other personal consumer reports

Professional Recovery Management , Inc. dba Fox Collection Center has obtained my nonpublic personal information through fraudulent means and financial identity theft. Professional Recovery Management , Inc. dba Fox Collection Center is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization for the purpose of monetary gain through extortionate means. Professional Recovery Management , Inc. dba Fox Collection Center has intentionally and knowingly omitted and distorted facts regarding consumers nonpublic financial information in exchange for monetary gain. This misuse of nonpublic financial information for a fraudulent financial action was publicized by Transunion, LLC through a consumer file. In XXXX XXXX XXXX consumer received a letter from Professional Recovery Management , Inc. dba Fox Collection Center via U.S. mail service to defraud consumer which has caused consumer financial harm and brought injury to the consumer. This unauthorized publication has deprived me of right to privacy, caused significant harm resulting in financial loss, loss of opportunity, defamation of character, subsequent mental anguish, and has exposed me to the risk of further financial identity theft. Here is a list of Tennessee State statutes and United States codes that were violated by Professional Recovery Management , Inc. dba Fox Collection Center and/or XXXX, XXXX Tennessee Code 39-14-150 ( XXXX ), Tennessee Code 39-14-120 ( XXXX ), ( 18 USC 894 ), 18 USC 1028A ( a ), 15 U.S. Code 6802, ( 18 USC 242 ).
Product: Bank account or service

I am opted out of overdraft protection at BB & T. I have been charged an overdraft fee on numerous occasions, even as i have been opted out of all overdraft protection for over 30 days. I would like to launch a formal complaint against BB & T charging me when i have not authorized overdraft fees.
Product: Credit card or prepaid card

THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.
Product: Checking or savings account

XX/XX/XXXX received an email from XXXX regarding an order, clicked the link in the email as it turns it was a scam. The said they needed to issue a refund, attempted to refund and added an extra 0, than advised to me to give remote access to my computer. They Transferred {$44000.00} from my business account to my personal account and then wire transferred {$50000.00} to a bank account in XXXX. Went to chase bank location on XX/XX/XXXX opened a claim with Chase. Advised them of all information I had and then Waited until XX/XX/XXXX of XXXX when Chase said that there was nothing they could do to retain my business money and the claim was denied and the case was closed. I do not feel like Chase advised me well. I had to call several different numbers and keep getting different information. Cyber Fraud was committed on both my business and personal accounts and I was not given good advice or service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the large Equifax hack, I 've been put on the list for people who have potentially been affected. I 'm submitting a complaint because the fact that a credit bureau was hacked so severely is troubling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Remove all inquiries from my credit report - I DID NOT AUTHORIZE TO share with multiple companies
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX. XX/XX/2XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX applied a balance on my credit report of XXXX on XX/XX/XXXX, For a company call XXXX XXXX XXXX... last reported on XX/XX/XXXX
Product: Mortgage

Lis Pendens finally released after fighting with GreenTree/Ditech with the help of HUD, XXXX, XXXX and Florida 's Hardest Hit. However, the process was a nightmare with Ditech they did everything possible to foreclose on us luckily I had big guns behind me. The rep from XXXX ( HUD affiliate ) had to do a couple of conference call with Ditech and myself on the line to straighten Ditech messes up..after getting all the paperwork for re-modification which was submitted in a timely manner TWICE received letter from Ditech informing us we were denied modification as they did not receive paperwork on time. When the XXXX package of identical paper arrived at my house I contacted XXXX Our rep from Greentree, the only person I was allow to speak to at Greentree, Of course as always XXXX does n't answer his phone ever, left voice mail asking why do I have these same doc 's what should I do ... .No response ... called again ... voice mail to date I have not heard from XXXX ... NO letter no call just left me hanging so, another XXXX conference called got it straightened out to which Ditch admitted they Had all the paperwork needed for the re-modification but, we did n't sign the papers in the right way ... so DENIED!!!!. It 's been a total absolute NIGHTMARE dealing with this company..true bottom feeders. Re-Modification started XXXX 2015. When submitting XX/XX/XXXX payment via XXXX XXXX XXXX, ( can not trust Ditech website to actually process a payment as I can not Even contact them using their own contact form.on their own site, advised the company several times, no improvement ) noticed a fee of {$55.00} thinking that was a late charge I emailed the company using an email address from customer service, Ditech states it can take up to a month for an response. Today I received a letter from Ditech referring our account to a specific rep and contact her only, no answer to previous email. Called the rep today and asked why is my account being charged for XX/XX/XXXX and Now XX/XX/XXXX a {$55.00} fee, what is that for??? Informed that my payments went up an additional {$55.00} per month for the next 10 months for legal fees. Amazing that fee just occurred in XXXX 2015 and not on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XXXX 2015 started in XX/XX/XXXX No letter stating anything no correspondence of any kind alerting me to the increase of any fees ... After all the work to get our account current I am now behind exactly {$55.00} for fees that JUST Appeared ... Spoke to Ditech manager and lost it after all they have put me personally through I am going NUTS with this company and I can honestly say I hate them. Yet, here they are working with XXXX a federal government program for the people and XXXX is now connected with the lowest of the low, complaints reign supreme for Ditech so, ranting online about them is useless Yet, they giving out loans via XXXX I want to warn Americans STAY AWAY FROM DITECH. XXXX Pay attention to Ditech..they are the worst mortgage company out there
Product: Credit reporting or other personal consumer reports

Hello, I have tried several times to deal with the customer service reps to no end. 

My credit report is being affected by wrongly reported lates. Account XXXX is being reported late in XXXX, XXXX and XXXX. XXXX ( which is paid off ) is being reported late for XXXX, XXXX and XXXX of XXXX ( in which a XXXX payment was made on the XXXX ). but I am not being credited with a {$200.00} and a payment that was retried and successful from my account on XX/XX/XXXX. It is only showing reversed in your records on XX/XX/XXXX so technically the payment was made on time. 

Also, in XXXX being reported late but I made a XXXX payment on account XXXX and XXXX on XX/XX/XXXX. Also on XX/XX/XXXX and XX/XX/XXXX payments of XXXX were made and successful. on account XXXX on XX/XX/XXXX a payment was made and successful for XXXX and XXXX on the XXXX. So the late in XXXX and the late in XXXX are incorrect as I am also not having the XXXX payment on XX/XX/XXXX reflected as paid. I need to have these lates removed from my reports as they are incorrect and payments that were retried were not recredited to my accounts. I do believe there were more retries that we done and never credited to my accounts as well or put on the wrong accounts. I have been a long-standing client and would like to continue to be but these errors are affecting my credit rating and I was not late as payments are not being credited correctly. I see many complaints on here of the same issues from other people. SO this is a trend with this company. I am attaching all my bank payments to XXXX  here. Not all have been credited to my accounts and were marked reversed when they were not. I never had any lates before on my XXXX XXXX card accounts.
Product: Debt collection

On XXXX XX/XX/2023, a letter was sent to IC System in XXXX XXXX, MN to verify the debt they are reporting to the credit bureaus. The letter was received on XXXX XX/XX/2023 and signed for by a XXXX XXXX. As of today ( XX/XX/2023 ), I have not received any response from IC System as required by Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ).
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX Transunion XXXX XXXXXXXX is supposed to MAXIMUM POSSIBLE ACCURACY. This account violates these laws. 15 USC 1681i, 15 USC 1681i ( 5 ), 15 USC 1681 e ( b ). Please Delete Account
Product: Checking or savings account

On XX/XX/year> my Chime debit card was charged with {$1200.00} sent to XXXX and XXXX was purchased and sent to a user without my permission. As soon as I received notification of transaction I contacted Chime to let them know and they said I had to wait until the transaction was processed because it still was pending. I began the dispute with them the next day and they have yet to even contact me regarding this issue. Chime denied my dispute twice and states they can no longer reopen my case. I have never opened a dispute with chime in the past and don't understand how they investigate with no contact to me from support team. Chime has failed to provide temporary credit or even help at all with my dispute.
Product: Debt collection

I have disputed this debt several times. I have asked for proof that I owe it they just keep answering my dispute that this debt has need valadiated as owed. I have been asking for them to send me a contract or my signature on a contract they have refused to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7100.00}, XXXX XXXX XXXX Balance : {$4000.00}, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When these accounts were opened, I was a minor child at the age of XXXX XXXX XXXX. The accounts listed does not belong to me and are a result of identity theft. I have shown proof of my identity and that I was a minor child at the time the accounts were opened and the companies failed to investigate and see that I was a minor and could not have opened these accounts. They are failing to fully investigate and refusing to remove collection accounts that do not belong to me. I have no knowledge of these accounts listed on my credit report that is affecting my credit. How is this credit reporting agency validating that the account belongs to me and I was only XXXX XXXX XXXX? You are in violation of the Fair Credit Reporting Act. As a credit reporting agency under the Fair Credit Reporting Act, your responsibility is to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute.
Product: Debt collection

This is my fathers debt. We have the same name.

Please remove from all accounts. I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a  XXXX  or so check in the mail from a lender in  XXXX , OK I decided to use it for a short period of time. Paying it off quickly. I have good credit, and I am very concerned about anyone running my credit without my knowledge or consent., So, on  XXXX / XXXX /  XXXX    Security Finance  located at  XXXX   XXXX   XXXX  in  XXXX  ran my credit after my loan was all but paid off. I received an alert from  XXXX  stating these facts.      XXXX  at the lending agency stated she " accidentally pulled my credit while assessing another customers credit. '' I do not believe it was an accident.     I want this lending agency to write a letter to all three bureaus and undo any possible negative effect this might cause.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , OK  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have I sent out multiple request for the following accounts to be reviewed or removed from my credit report due to no response from the creditors : XXXX XX/XX/2021 AND XX/XX/2021 ( NO RESPONSE ) XXXX XXXX  XX/XX/2021 AND XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 AND XX/XX/2021
Product: Credit reporting or other personal consumer reports

Im asking for your help with the incorrect account listed on my credit report. This has affected my reputation, and I require your assistance. Due to your mishandling of the situation, my credit report has caused significant damage to my standing. You must eliminate the incorrect information from my report.