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

Went to Free Annual Credit Report to get my XXXX  report. Once I had the report, no issues there, I tried to use the link in the page to purchase my Credit score. The site would not accept any of my credit cards and after a 3rd attempt provided a pop-up window with a phone number to get the issue resolved. 

I called the provided number and ended up speaking to a CSR who would not listen to what I was actually telling him. He then told me he needed to collect more information and only after he had the information did he tell me he was building a profile with Experian! Now, He didn't ask if I wanted to do this, I thought he was going through a verification process. Why he would need to build a profile to provide the credit score material that I was asking for was beyond me. Finally, thirty minutes later, he asked me to try to do exactly what I had done to be directed to him in the first place. I tried and it still wouldn't work. As soon as I clicked the link it took me straight back to the phone number I had called to get in touch with them in the first place. Didn't even try to go to a place where I could re-enter my credit card information. So he tell me I have to call another number, XXXX and that is all he can do for me. I ask for a supervisor. 

After another 20 minutes I finally get to a supervisor and get the same runaround. He tells me that the only way to get my score is to buy the credit report and score combo for {$14.00}. I say, no, I already have the credit report I just need the score. Much more XXXX   about that product not being available. If it isn't your product then why would you collect my information? If it isn't your product why would the EXPERIAN site have the pop-up phone number for this supposed help line? No answer. I give up in frustration and decide to call the other number they gave me. Disconnected or not in service. So they won't help and they deliberately direct me to a number that is not in service.I even asked them to just sell me the product I was looking for and they wouldn't do it. Now I have nothing but a lot of wasted time. Completely useless and these are the people that are supposed to be trusted to collect and provide accurate information for 320 million American 's to keep our financial systems running strong?
Product: Credit card

XXXX XXXX Canceled My Card and along with XXXX. ( XXXX ) Membership Rewards Points A month earlier the card was paid in full with no new charges. 
I have contacted XXXX XXXX multiple times and never received a response or any points or remuneration in any way. 
I just found out about CFPB please help me with this I paid this Account was paid in full and had XXXX. ( XXXX ) Membership Rewards Points Below is directly from my statement dated XX/XX/2013 Available and Pending as of XX/XX/2013 XXXX worth {$17000.00} XXXX XXXX Closing Date XX/XX/2013 Account Ending XXXX XXXX Account Summary XXXX XXXX Paid XXXX XXXX XXXX XXXX XXXX Payment Not Required Statement INFORMATION : Business Platinum Card XXXX XXXX XXXX Closing Date XX/XX/2013 Membership Rewards ( R ) Points Available and Pending as of XX/XX/2013 XXXX ( XXXX ) POINTS For up to date point balance and full program details, visit membershiprewards.com Previous Balance {$10000.00} Payments/Credits - {$10000.00} New Charges + {$0.00} Fees + {$0.00} Your account is cancelled. 
Regards XXXX XXXX Cell XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I made an early manual payment to my credit card ending in XXXX for the amount of {$4500.00}. On XX/XX/2021 ( due date ) I saw that another payment for the same amount of {$4500.00} was paid again on the card. I did not create this duplicate payment. 

I reached out to Bank of America on the XXXX to undo this duplicate payment as I had bills coming on XX/XX/2021 ( mortgage etc ). They refunded the money and said it would take 2-5 business days and not to worry that will be prior to XX/XX/2021 when my bills were due. On the 6th business day I called saying why the duplicate payment was not reversed and was told that because of the amount, it is going through fraud which will take up to 10 business days. More than 10 business days have passed and, as of the date of this complaint ( XX/XX/2021 ) I still have not had the duplicate payment reversed and I have had to deal with late payments on bills due on the XXXX of XXXX because Bank Of America refuses to refund the duplicate payment
Product: Credit reporting, credit repair services, or other personal consumer reports

*This item XXXXXXXX XXXX  is inaccurate because has multiple account numbers. I am requesting that this item be removed * This item XXXX XXXX is inaccurate because its paid not collection. I am requesting that this item be removed Enclosed is documentation supporting my request : copy of my credit report shows the accounts has inaccurate information. 

Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely,
Product: Credit reporting or other personal consumer reports

The accounts below are reporting missed payments which are incorrect. 

XXXX XXXX XXXX XXXX its saying i missed a payment XX/XX/XXXX. 

XXXX XXXX unsecured loan its saying i missed a payment XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX is reporting 4 incorrect missed payments. 

XXXX XXXX XXXX  reporting 3 missed payments incorrect.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX D.O.B XX/XX/XXXX : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Consumer credit reporting agency,, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of accounts in question the aforementioned accounts, appearing on my consumer credit report were not opened, made, or initiated by me. 1. XXXX XXXX XXXX 2. XXXX  XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX 11- XXXX XXXX. XXXX XXXX 12. XXXX # XXXX XXXX 13. XXXX XXXX XXXX 14.CXXXX XXXX 15. XXXX XXXX XXXX XXXX  16. XXXX XXXX 17. XXXX XXXX 18. XXXX XXXX 19. XXXX XXXX XXXX XXXX XXXX 20. XXXX XXXX XXXX 21. XXXX XXXX XXXX 22. XXXX XXXX XXXX 23.XXXX XXXXXXXX XXXX 24. XXXX XXXX 25. XXXX XXXX 26. XXXX XXXX XXXX 27. XXXX XXXX XXXX XXXX XXXX 28. XXXX XXXX XXXX 29. XXXX XXXX 30. XXXX XXXX XXXX All of these are a result of fraud. I have attached a copy of the FTC identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned inquiries are the result of identity theft and fraud.
Product: Debt collection

i was a victim of identity theft and received a fraudulent account on my credit report from XXXX XXXX XXXX XXXX XXXX then i received a collections notice from a lvnv funding. it has been damaging my credit report and i need it removed.
Product: Debt collection

The collection company keeps calling my office number. Looking for a person we do not know here and had never work for us either. I keep asking to take the number off their list and nothing happens.
Product: Checking or savings account

For over a year, I've been getting hit with a XXXX XXXX monthly 'service charge for paper stmt fee ' even though I have online statements enabled. Every time I contact the bank, they confirm my online statements are active and reverse the fee, but then it reappears the next month! This is clearly a recurring error on their end, and I need a permanent fix. ''
Product: Student loan

My student loans have been discharged under sweet v. cardona. My loans should be in administrative forbearance until the discharge is complete. EDFinancial has taken them off of forbearance and has a payment due in XXXX. I have called the federal student aid and EDFinancial. Federal student aid says they sent the information to EDFinancial. EDFinancial says they have the information. However, they have not placed my account into forbearance. I understand that the discharge takes time. Im fine with that. But I should have no payments. Im worried that Im going to run into even more problems with getting my refund from the discharge with how this has gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect address on my equifax account.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting ACT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights.

15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPOERTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITINEN INSTRUCTIONS.
Product: Credit card or prepaid card

I have been trying to resolve an American Express problem since XX/XX/2022. I have been denied a months worth of points that should have been transferred to my XXXX XXXX  account. Numerous phone call have been made to American Express. Many case ID numbers have been given to me. Once a supervisor even promised to call me on XX/XX/XXXX and I stayed home all day so as not to miss his call with his praise of resolution. He never called. Today, XX/XX/XXXX I called again and was told now that resolution would not happen until XX/XX/XXXX. I have lost all faith in American Express because of these tactics. I have no way of knowing or finding out if they are telling me the truth. I am very upset that a supervisor promises to call and never does. How disgusting! American Express sent just XXXX points for one statement in which I earned many more points. They are blaming this on an internal transfer problem. Who am I to believe? This is poor customer service!!!!
Product: Consumer Loan

I had an auto loan with XXXX. from XXXX/XXXX/XXXX till XXXX/XXXX/XXXX. in excellent status. Please see letter attached from XXXX. 
However, I do not believe Equifax is reporting this information on my Equifax credit report. I would like equifax to correct this reporting and send me a copy of my credit report showing the new update. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, NELNET/US DEPT OF ED/GLELSI  # XXXX Opened On XX/XX/2010 Account Status : Open/ Education Loan Showing Past Due : XXXX This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation, and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior request for validation of debt ( proof, attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. 

This letter will again request that you follow FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware. Estoppel by Silence legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.
Product: Debt collection

have non stop mailed, called and harassed me after told not to. Abusive lamguage. Calles before and after legal hours and on sundays. 

have called my place of work and family after being told not to and tried to contact me on facebook messenger. Not my account. leave me alone.
Product: Debt collection

On XX/XX/2018 I a toll by mail toll booth on the XXXX bridge. I never recieved any bills by mail. On XX/XX/2018 I recieved a collection letter from Transworld systems requesting {$110.00}, {$17.00} for the toll and {$100.00} violation fee. I called Transworld to dispute this charge. Today I recieved a letter from Transworld stating dispute is resolved and that I do owe {$110.00}. 

My dispute is with XXXX XXXX XXXX XXXX for not sending any bills. I have tried to contact them directly to no avail. 

I have gone through the same toll booth on two additional times,XX/XX/2018 and XX/XX/2018. I have not recieved any bills. My fear is that I will be receiving additional collection letter from Transworld in the future.
Product: Vehicle loan or lease

I filed a lawsuit with XXXX XXXX and turner acceptance negligence XX/XX/XXXX I paid the note and bought the account current turner acceptance explain they had there own insurance on my XXXX XXXX  XXXX that was vandeled attached is contaminated fuel in a bowl according to Illinois statue the fuel should be sealed and sent to the department of transportation for examination once Illinois statue was attached to lawsuit ( filed ) turner called and said they would 5ake no further action
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on this account. The late payment shown is in error. Please check payment records and provide documentation why this is reporting as a late payment. This is a good standing account. Again, please verify this immediately and correct the reporting error!
Product: Student loan

In the Spring of  XXXX , I discovered from a colleague that, because we worked at a nonprofit organization, I was eligible for a ten-year payback plan, in which the government would forgive my loans after  XXXX  years of service and continuous monthly payments.  SallieMae  informed me at the time that I was ineligible for this service.     In Spring  XXXX  when I heard again that I should have been eligible, I called  XXXX . They informed me that I had to contact a separate agency who would enroll me in this process. However, none of my six years of payments would count toward then  XXXX  years.     Now this spring, I heard that there was a class action lawsuit against Sallie Mae/  XXXX   for the inaccurate information that they gave me in  XXXX .  Sallie Mae /  XXXX   has recordings of these phone conversations.
Product: Debt collection

This company is pure evil and sick. They harass you and your family and they have a record of doing it intentionally. They hunt down your family members and harass them with false information using your personally identifiable information. I suffered irreparable harm from their wrongdoing and it has caused damage between my family and me. My mother and I no longer have a positive connection due to the false and misleading, and deceptive trade practices this company uses against consumers. This company uses threatening and extortionate means in ways to collect an alleged debt. I the consumer am making this complaint to bring light to the harm that this company has been intentionally inflicting on thousands of consumers daily. They have no regard for a consumer 's right to privacy. It is time that the CFPB takes action against this company for its abusive debt collection practices. They conspire with other corporations to deprive consumers of their inalienable rights by using vigorous methods to extort consumers. They a well known for violating several of the acts that congress has placed to protect consumers. They willfully and knowingly will ignore your efforts to have your information corrected in their database. They even violate their policies and can not be trusted. If you are a consumer like me, the time has come to report this company 's actions to our elected officials to bring awareness to a seemingly endless black hole of deception.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account XXXXXXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XXXX XXXX, 2015 an employee of the Banco Popular de PR 's Consumer Credits Services Division called to my employer phone number requesting to talk with me related to the payment of a " just a few days late '' monthly payment of a personal loan. 

The name of the employee is XXXX XXXX and he identified himself to the receptionit as an employee of Banco Popular. 

The same date, I wrote the enclosed letter to the bank ( Banco Popular de PR - Consumer Credit Services Division, XXXX XXXX XXXX, XXXX XXXX PR ) notifying that that any debt collection call should be made to my cellular phone ( that already they have ) because my employer prohibit the origination and receiving of personal phone calls during duty hours and, they were calling me for a personal matter. 

A few days later, a supervisor of such division contacted me by phone to confirm that he had receipt my letter and provide appropriate apologies for XXXX XXXX 's actions. He also committed, in the name of the bank, to take my request in consideration on the future. 

However, today XXXX XXXX, 2015, XXXX XXXX XXXX XXXX, without first trying to contact me in my cell phone, called again to my employer 's phone number requesting to talk with me related to the payment of a " just a few days late '' monthly payment of the same personal loan. He directly identified himself as an employer of Banco Popular and use a phone number ( XXXX ) that many people in XXXX XXXX recognized as the Banco Popular 's Collections Office phone number. So, the receptionist again recognized this phone call as a debt collection call and for a second occasion, no matter my XXXX XXXX, 2015 request, the collecting bank disclosure to a third party, not related to the business relation between the bank and I, that I own money and are late in my payments. This actions definitively affect my image and reputation in front of my employer and other co-workers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the Equifax security breach in XXXX XXXX, I have no other option to protect my credit and my identity than to place a credit freeze with Equifax, XXXX, and XXXX. Theses bureaus charge a fee for the freeze despite the fact that they are profiting off of my personal information and fail to protect it. These agencies should not be allowed to profit from their own failings and inability to protect consumer data.
Product: Vehicle loan or lease

My name is XXXX XXXX I have my car finance threw XXXX XXXX XXXX Im in a financial struggling to pay bills I got behind in my car payments I called and explain to American credit they still came got my car when they came they broke a piece in my car I had to drive 30 minutes to get my car back they call my job harras me the company is American credit Acceptance I spoke to XXXX XXXX his number is XXXX American credit Acceptance number is XXXX
Product: Credit card or prepaid card

There have been multiple times that credit karma has advertised that i was eligible for a new credit card, so while trying to build my credit i would apply only to be denied those cards. They have been very misleading when it comes to applying for new cards.
Product: Checking or savings account

There are two fraudulent checks cleared from my Citibank account by the same criminal individual ( altered my paid amount on the paper checks and submitted those ) for which I immediately notified citibank 20 days back. Filed police report and faxed my affidavit forms immediately to Citibank and they confirmed me on receiving the documents. However the bank made no effort to return my {$800.00} even after knowing this is forgery.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$5000.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$770.00}
Product: Credit reporting or other personal consumer reports

After being notified of the XXXX XXXX data breach, and the offer to provide free credit monitoring services for XXXX years, I signed up with Experian for the free credit monitoring. 
I never agreed to them charging me after that XXXX year period. 
I have been charged since XXXX XXXX XXXX for recurring monthly payments of {$24.00} through my bank account. 
I do not recall ever giving them my banking information. In fact, if that would have been a requirement, I would not have done it. Nowhere on the website does it give the option to remove my banking information from their system. This is not acceptable. 
On Friday XX/XX/2024, the customer service operator that I spoke with at Experian frequently apologized that she was " sorry this has happened '', but provided me with no options other than filing a complaint. 
I was assured by the operator that someone would be reaching out to me regarding this issue. 
This has not happened as of today, XX/XX/2024.
Product: Student loan

I applied to enroll in the SAVE repayment plan in XX/XX/XXXX, and then XX/XX/XXXX, but both are still processing. That's 7 months of possible interest savings that I have missed out on. 

Communication sent asking what's happening to my application was never responded to, this was in XX/XX/XXXX. 

Calling is impossible, I can't get a rep on the phone. 

The SAVE plan would theoretically lower the interest I am paying so this is a huge deal to me.