23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is an approximately {$200.00} debt that XXXX XXXX XXXX claims that I owe them. I disputed this with XXXX XXXX XXXX as I did not authorize the account to be created. They 'accidentally ' created another account in my name when moving several people off my own account to their own. XXXX XXXX XXXX refused to rectify this. As a result XXXX XXXX XXXX has sent this amount to a collections agency. I disputed this through the credit agency and the information was subsequently removed from my credit report. A few weeks later I have been contacted by a new debt collector for this same debt. The representative contacting me was one XXXX XXXX with Triversity. This individual refused to inform me what the call was regarding or that any information could be used to collect a debt. The individual became irate when I would not verify my identity until I knew who they were and what agency they were with. I did not discovery that Triversity was a debt collection agency until I reverse searched the number in XXXX. 

In essence, this debt should not be owed, the debt collection strategies are inappropriate, and the matter should of been previously resolved.
Product: Credit card

I recently opened a new credit account with Kay Jewelers and was approved for a {$1000.00} credit line. After the account was approved, the available credit was subtracted by {$530.00} for a previous Chargeoff account that was sold to XXXX in XXXX. I satisfied the balance IN FULL with XXXX XXXX XXXX on XXXX/XXXX/XXXX and I showed Kay Jewelers XXXX XXXX XXXX ( XXXX Virginia ) location a copy of the payment confirmation letter on XXXX/XXXX/XXXX. The representative called Kay 's Credit Authorization department and confirmed with the department that the previous account balance was paid in full. 

I contacted Kay customer service department today XXXX/XXXX/XXXX after confirming that the available credit has not be restored via their company 's online account service and phone XXXX. 

I spoke with the customer service representative XXXX, she contacted the Credit Authorization department who advised that my account available credit will continue to reflect incorrectly on the consumers side ( online account and phone XXXX ) but if I needed to make a purchase I would still have my full available credit available to use despite the inaccurate representation online and in the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company failed to respond to the dispute, and by law if they fail to do so within the time frame by LAW they are required to remove the tradeline. Im writing this 4th complaint in regard to this information. They have violated my rights as a consumer and they have violated FDCPA laws. Ive turned this information over to my attorney XXXX XXXX to either proceeds with filing a lawsuit against them for the violations or to resolve this issue outside of court. I am giving them the opportunity to do the right thing which is to remove the negative inaccurate item frommmy credit otherwise I will advise my attorney and legal representatives to move forward with the lawsuit process.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter to XXXX XXXX XXXX requesting validation for a debt that they say I owe. In response I received a letter from them on XX/XX/year> with a final account statement and a lease that did not correspond with one another that they say was the evidence that verified this debt. Upon looking at the information that XXXX 's provided I notice that the final account statement lease dates does not match the lease that was provided. The lease that was provided states that it is a renewal lease in which I never signed a renewal lease. I only lived in the apartment for one year. They wouldn't allow me to renew the lease until I had allege balance paid off which was incorrect. On the renters ledger account, they have fees and balances that are inaccurate which I sent all the proof to show that this account thats reporting is inaccurate. I resent another letter on XX/XX/year> to XXXX 's letting them know that the lease they provided is not the accurate lease for the term I stayed in the unit. It is now XX/XX/year> and XXXX 's have not responded. I then take this situation to the CRA 's and sent them all the proof that this debt is reporting inaccurating and the debt collector is trying to collect a debt based off of false paperwork from the original creditor. In response, Experian and XXXX has responded that the debt is accurate and will remain on my credit report. With all the proof that I've sent them that clearly shows that this debt is not accurate, they are still reporting that it is which is a huge voliation to the FCRA. Neither XXXX XXXX XXXX or the CRA 's are willing or trying to fix this sitiuation in the right way which is deleting this inaccurate information from my credit report which is affecting my ablity to obtain credit. I have sent you all the proof that I've gathered up to show that this account is inaccurate and needs to be removed promply.
Product: Checking or savings account

In XXXX 2017, Bank of America took adverse action by unilaterally [ without consulting me beforehand and without a hearing or notice before the account was frozen ], by closing/freezing my several bank accounts with them, for all three-credit card, savings, and checking-after over ten years of loyal patronage with them as their customer and cardholder. 
I followed up with them throughout the months since then, the latest was in person in XXXX, NY at the XXXX XXXX Branch, but they refused to reopen/reinstate my account or let me open up a new account. When asked from time to time, during my appealing and petitioning, they said it was a 'business decision ' but did n't elaborate further.
Product: Credit card or prepaid card

I applied for a secured credit card ... i was approved ... .but i can not make a payment to fund the account ... .the amount was for XXXX dollars, ... ..the company never answers the phone with a live operator ... .wont accept ach deposit to fund the account ... .wont accept payment from a debit or credit card ... ..and no way no shape can i fund it as to no fault of mine ... .now the credit card company is reporting this account on my credit report and soon its gon na show i m late but i m not they wont let me fund it no matter how many ways i try to get the account funded ... ... please help i dont wont a bad mark on my credit report cause the arent letting any make any payment be posted to open the account but the account says there is XXXX available to purchase but when i tried to use it, even though i havent funded because of them it says user not authorized.. dont know what that means and cant find out any thing from calling credit card company
Product: Prepaid card

My card was COMPROMISED by UNAUTHORIZED Charges and it was DISPUTED with a Case Number : XXXX and I WON the DISPUTE, of which a REPLACEMENT CARD was sent to my Address, but on ACTIVATION of the REPLACEMENT CARD by calling the number on the card, I found out my card was placed on HOLD and unable to use it, and I was profile with a New Case Number : XXXX, told to verify my IDENTITY by uploading my ID, Utility Bill with Front & Back of the Replacement Card and send to XXXX, I did that but each time I call XXXX to confirm if the documents were RECEIVED, Im been told nothing was received and I sent documents for over 3 times. Please I need help on getting my Replacement Card Un-Hold & so I can use it at Walk-In stores or Online. 

I will upload all the DOCUMENTS on this report, Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

M.A.R.S. INC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Additionally, I exercise my right to opt out of any and all authorization I, the federally PROTECTED consumer, may have given MARS INC whether it be written, unwritten, verbal and nonverbal, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Credit reporting 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

: I XXXX XXXX XXXX of XXXX, XXXX non legal fiction have been back and fourth with this corporation for years as : I have stated in the past that Equifax inc has XXXX reporting inaccurate information on me for some time causing me to pay higher interest rates, being denied Credit opportunity XXXX over wrongful scores as you can see in recent weeks Equifax has been reporting millions of wrong scores to consumers for some time. 
putting : myself into a bind for my credit worthiness. 

pursuant to 15 usc 1681 ( a ) ( XXXX ) Equifax assumed their role in assembling and evaluating consumer credit and other information about consumers, : I XXXX living man never gave Equifax permission nor consent to report anything about : myself to report any information about me to said Equifax report. 15 usc 1681 ( a ) ( XXXX ) states there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to a consumers right to privacy. 
Equifax consumer report about me with alleged accounts that were never verified through personal family members, neighbors, and close relatives is unfair and impartial because i was never consulted to verify if the information was accurate nor even asked if i wanted alleged accounts to be reported at all. ( this is aggravated identity theft, for enjust enrichment ) Equifax has not exercised there grave responsibility as evidence by hundreds of inquiry and accounts by sending fictitious scores to millions including : Myself. and including fictitious accounts that have never been verified. this corporation has shown lack of respect to my privacy and never had my consent to buy and trade my personal information this is acts of war and treason. these actions are as well violations of Gramm-Leach-Bliley Act, refrenced by 15 usc 6801 and 15 usc 6802. 
( accounts and all inquiry must be removed immediately with a copy of my updated report thru mail at address XXXX XXXX XXXX XXXX, XXXX NH XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent several letters out to XXXX, Equifax and XXXX about not having the accounts verified through electronic verification and provide me with documentation showing the validity of these items. Two letters have already gone to XXXX, Equifax and XXXX asking for personal verification and not electronic, and all 3 credit bureaus continue to verify it as correct through electronic verification. They did not contact the creditors personally, but did it though electronic verification after I requested that they do not use that form of verification and to verify my signature. They have failed to do this request. I do not have the correct account numbers since all they have is X and not the correct numbers. The bankruptcy is incorrect and they will only verify thought XXXX and not personally from the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

***THIS IS NOT A DUPLICATE COMPLAINT ... I AM RESUBMITTING BECAUSE THIS COMPANY IS TRYING TO GET AWAY WITH BREAKING THE LAWS ... THEY CLOSED MY FIRST COMPLAINT STATING THAT I AM NOT WHO I SAY I AM WUEN I SUBMITTED A COPY OF MY ID SOCIAL AND A NOTARIZED LETTER FROM THE NOTARY PUBLIC. I started my disputes with experian back on XX/XX/2020. I put in a dispute for a XXXX account, a XXXX XXXX and XXXX XXXXXXXX XXXX. These accounts were reported " Verified ''. Previously to this i had reached out to these companies and they were not able to provide me with any information on either of these accounts.I reached out to all three bureaus to investigate why these accounts were showing on my report and I asked each company to investigate this matter. XXXX  and XXXX notified me within 30 days of their investigation that they could not get any information either and the 3 accounts were deleted from my file. I filed the same dispute in XXXX with experian and as I stated above it came back suprisingly " verified and reporting accurately ''. I found this to be unusual so I requested information from these companies that I was informed by the FTC commission ( I wrote it down ) that under section 611 ( a ) ( 1 ) ( a ) and 611 ( a ) ( 7 ) I could request the original documents that they had on file from these companies and the results of investigation ( section 609 ( a ) ( 1 ) ( a ) which I still have not received. These accounts are still reporting from experian and no one has given me any documentation of what I asked for. I received a response today XX/XX/2020. That under section 611 ( a ) ( 3 ) ( a ) they could not honor my request. I was very specific in my letter and what I asked for. I spoke with a rep and he told me that I was not allowed to ask for that information and that they did not have to provide it and that I must go to the creditor and ask for it. I did that back in XX/XX/2020 and was unsuccessful. Because they did not provide me with the requested documentation section 611 ( 5 ) ( a ) says that it has to be deleted. ( Yes I read this information provided by the ftc ). I refuse to be deceived in their tactics to not properly do their jobs. How can 2 bureaus find nothing but experian says something different? If the creditors reported the accounts to all three then they should have all been given the same information and removed from all 3 bureaus.
Product: Mortgage

I was going thought one broker ( XXXX ) then they said there was an indemnification issue and they needed to change to a new lender ) Mean While XXXX at RP funding talked to me be said the indemnification is not an issue he was also aware I was 90 past due over a year ago ( just shy of 30 now ) he offered me a great rate XXXX plus they were paying the closing cost.. Once the underwriter got the file the exact issue I told him about I was denied for after weeks of asking what 's wrong with no clear answer. Once they cam back to me they started to tell me all sorts of things like I was 5 months past due and it was a conventional not FHA loan neither which were not true. I feel that this was a stall Method in order not to have to give me the rate they offered.
Product: Vehicle loan or lease

I had financed with fifth third bank with amount of {$16000.00} for  XXXX   XXXX   XXXX . This financing on  XXXX   XXXX .  XXXX  monthly  XXXX  with late fees it would be {$320.00}. I found the loan was  XXXX .!!!!!!!  Want  more explain for this intersting. When I counted my payment it 's above {$1500.00} roughly. Paid off {$7000.00} with late charge {$340.00} and {$350.00} with last month of paid off before  XXXX   XXXX . I talked with them and how to calculate this payments they did n't explained or cerified my right. This financial institution I am not trust their process of this loan payment since I was starting my loan.
Product: Debt collection

I called XXXX XXXX XXXX in XX/XX/XXXX after receiving a letter that I owed them money. I agreed to settle for a less amount if they would delete. I just pulled my report over the weekend, and Ill be XXXX   if they are not still on my credit report. I gave them a call XX/XX/XXXX and asked why it hadn't been deleted and was informed by a young lady ( that has worked there for 14 years ) that they never delete trade lines, they only update the credit report as paid. I told her well I spoke with a guy years back and that was the only reason I settled, because I understood that it would be removed. I was transferred to a manager, very rude  by the way, and she stated they do not remove from credit report. I paid the debt off like they asked and now they lie and say they dont delete letters. I actually have a letter from a friend of mine that was sent to her, and they DELETED hers after she paid. WHY DID THEY LIE????? I also attached a letter that was sent to her, and they deleted her account!!!!!!!
Product: Credit card or prepaid card

Hi, I opened a XXXX XXXX XXXX XXXX XXXX card and completed the requirements to make {$1000.00} in purchases during the first 90 days to earn XXXX bonus points. However, when I tried to redeem the points, I was told that in order to redeem them, I had to first have a stay at a XXXX property. This was not communicated anywhere in the account disclosures, and in addition, the card landing page ( https : //www.commercebank.com/XXXX ) states " Earn XXXX Bonus Points Towards a FREE Night Stay '' which is a false statement because the points can not be redeemed without fulfilling other terms.
Product: Vehicle loan or lease

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 and 15 USC 1662. 

Account name : # 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 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.

15 U.S.C. 1662 no advertisement concerning consumer credit may state that a specified down payment amount is required in connection with the extension of consumer credit unless the creditor usually and customarily arranges down payments in that amount.

I have also sent the company a affidavit of rescission of signature and a cease and desist letter, both notarized.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint.
Product: Mortgage

I was behind kn my payments in XX/XX/2020 and a customer service representative called said that they would be able to set me up on a covid relief program. So we did and he told me not to make my payment for XXXX it would be fine and not show on my creidt report as.late. 
I have looked at my report and it IS showing late and I asked for it to be correct and I have not heard a other word about it
Product: Checking or savings account

Hello, On XX/XX/2019 we received several phone calls around XXXX XXXX ( total 5 phone calls in 15 minutes ) from the toll free phone number : XXXX to our home phone. The caller introduced herself that she is from the SunTrust Bank Fraud department. She stated that for two days there were multiple transactions attempted from our personal checking account to transfer money : traveler 's check or Money order for over {$4000.00} USD. She spoke with a heavy XXXX XXXX accent. She asked me for my SSN number but repeated it back wrong ( twice ), then she asked for my first and last name " to access my account. '' What stopped me from giving my name is the fact that the lady gave me the wrong card number and could not repeat my SSN that I gave her twice over the phone. I refused to give her my name and the lady became very angry with me. I told her that I am not comfortable to provide any other personal information and hung up on her. Afterwards, I immediately called the SunTrust bank and spoke with the representative name XXXX that confirmed the SunTrust does not use this number for phone calls to the clients.
Product: Student loan

In XXXX and XXXX I consolidated enrolled in income based repayment. During that process talked to XXXX customer service agents many times and was repeatedly assured that all my XXXX loans were PSLF eligible. This was not correct and I lost about 37 months of PSLF payments before realizing that not all my loans were accumulating PSLF credits. This was an awful experience, and made me feel stupid and helpless and angry. I cried after getting off the phone with agents because the interactions were so frustrating and there seemed to be nothing I could do about it. 

I re-consolidated earlier in XXXX and was told that all of my loans would be on the same payment plan, and would be direct debited, and I did n't have to do anything else. I called and asked about this specifically. 

Then I got a bill indicating that only part of my payment would be direct debited and the other part had a manual payment due. I logged in and changed my entire payment to direct debit and got an email confirming that a direct debit payment would be processed tomorrow, XXXX. I called to confirm this and was told that no direct debit would be proceed on XXXX. I was told to pay manually and ignore the email and the information on my account page stating that an electronic payment would be debited on XXXX. I was told that I could pay manually and then skip a payment next month if the electronic debit was actually processed ( missing out on yet another PSLF monthlypayment credit ) or not pay the bill and wait three business days to see if they process the electronic payment, and pay manually if they did n't. 

I asked to file a complaint about getting misleading information and the agent was sympathetic and said she would note the complaint, but I do n't feel confident in XXXX billing or the information I get from the customer service agents, as dealing with them has repeatedly left me feeling awful, helpless, and frustrated. 

I ca n't pause the electronic payment for this month because it is " already being processed '' even though it is supposedly not going to be withdrawn. I just want to pay my bills on time and not miss out on any more PSLF monthly payments.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>
Product: Consumer Loan

I took out a loan with this company called Loanme and every month, right after 1 day of delinquency, they start calling my cell phone incessantly from spoofed or fake numbers. They are located in XXXX XXXX, but they call from fake numbers from all over the state. Their main number is XXXX XXXX, but they call from various fake numbers including the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX