23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX i got sick and spend a few days out of work two weeks after i was told that i needed to have surgery i spend two months at home after the surgery and receiving a short term XXXX check which was less that the haft of my check a wasn't able to make my payment on time. XX/XX/XXXX i was able to go back to work and started pay off my bill and getting all up to date and when i check my report i saw how much this ad affected my report.
Product: Student loan

My federal student loans have been serviced by three providers since the start of the COVID pandemic. Great Lakes to XXXX on XX/XX/XXXX, and then to XXXX at the end of the XXXX contract with the US Dept of Ed. On XX/XX/XXXX, I requested a refund of student loan payments made during the COVID pandemic. On XX/XX/XXXX, XXXX responded and refunded the {$2800.00} that had been paid to them since becoming my servicer. Their response stated that the additional money paid through other servicer would come from the Treasury after processed by the Dept of Education. After 120 days, I received a portion of this money from the XXXX Treasury - A check for {$10000.00}. This represents the money paid via XXXX after XX/XX/XXXX. I contacted the Dept of Education to request payment of the refund from payments made to Great Lakes between XX/XX/XXXX and XX/XX/XXXX - an amount of {>= $1,000,000}. I received a response to contact Great Lakes. Great Lakes now no longer services loan and I can not contact them. Ultimately my loans and payments were the property of the US Department of Education. I did not chose my servicers. I can not contact some past servicers. I am missing over {$62000.00} that an agency of the federal government owes me.
Product: Credit card

When I signed up for my Chase Freedom Visa credit card on XXXX XXXX of XXXX there was a promotional offer of a bonus, if I spent more than a certain amount of money. On XXXX XXXX XXXX after or close to what I thought was three month mark from the time I opened the account I contacted Chase to see when or how this would be applied to my account. The customer service representative said she would forward this to a specialist and they would get back to me in writing. On XXXX XXXX I received a letter by mail from Chase stating that I did not meet the spending requirement of the promotional offer. The offer they stated in the letter was I would receive {$400.00} or XXXX points if I spent {$3000.00} in the first three months from the opening date of the account. I certainly have complied with the requirements in the first two months of opening this account by spending over {$4000.00}. I contacted Chase on XXXX the XXXX XXXX and spoke to a XXXX XXXX a supervisor in the XXXX XXXX, TX call center and explained to him what has happened. XXXX said at the time I opened my account there were no offers available and that they would not be honoring the offer. He went on to state that had, I called in on or before XXXX XXXX they would have applied the offer that they stated in the letter. I assumed that when I signed up for the card this offer was to be applied and that there was no more action needed on my part or any reason to have to contact Chase to receive the promotion offer. When I called in on XXXX XXXX I asking when the offer would be applied to my account and at no time was I informed that I would have to contact Chase to activate the offer since the implication was that it would applied when I signed up for the account. The letter they mailed me clearly states the offer and the documentation of my account statements enclosed with this complaint clearly states clearly I have meet and exceeded the requirements set forth in their letter. No where in the letter or when I signed up for this account does it state that I was required to contact chase prior to the three month mark of activating the account.
Product: Checking or savings account

They have had two send me three different debt cards because my card was charged with my authorization. 

I dont have my account anymore I have moved and due to a XXXX
Product: Debt collection

I received a copy of a XXXX phone bill in the mail via XXXX XXXX XXXX which stated that I owe an alleged debt in the amount of {$630.00}. ERC stated that the phone bill was a " validation of debt '' letter mailed to me in response to a dispute that I initiated with credit bureaus. A copy of a bill is a not validation of debt, under the FCRA I have the right request a contract from the original creditor that states I owe ERC this alleged debt. 

Account number : XXXX
Product: Vehicle loan or lease

XX/XX/XXXX Car payment is due however I was out of the country due to a death in the family. During the time I was gone I received multiple text messages to my telephone. I receive text and telephone calls multiple times per day. No bill in the mail. 
XXXX Your XXXX payment is now 4 days past due and we don't have anything scheduled! 
XX/XX/XXXX You are 5 days delinquent. 
XX/XX/XXXX account past due XX/XX/XXXX Contact Prestige to get your XXXX payment scheduled ... 
XX/XX/XXXX XX/XX/XXXX Your account is now in active collections. we must have your arrangement secured immediately. The longer you wait to pay the more money you are adding to the loan ... 
XX/XX/XXXX Prestige is a second change lender. 
XX/XX/XXXX Is there a problem ... 
XX/XX/XXXX We are running into a pretty substantial problem ... 
XX/XX/XXXX If there is a problem or you need help with arrangement or a reduced payment ... 
XX/XX/XXXX You have options including a reduced payment ... 
XX/XX/XXXX I would rather keep this between you and I but collections efforts continue unless I can show that we are working .... 
XX/XX/XXXX sorry but if you aren't going to make these payments I can not help ... 
XX/XX/XXXX I am sorry but if you aren't going to make these payments ... I can not help this is your transportation and should be a priority .... 
XX/XX/XXXX Normally your account is paid by now ... 
XX/XX/XXXX I you are struggling I have options ... 
XX/XX/XXXX You have put this off until the very last day and now we only have a few hours to resolve the delinquency. 
XXXX Effective today your contract with Prestige has been forwarded to XXXX in Collections due to non payment .... 
I returned to the US on XXXX when I went through my mail I did not find a billing statement. Also I have been making payments of {$370.00} monthly for years but my balance is higher that the original balance. I think Prestige is stealing from customers and they threaten instead of allowing clients to pay off their vehicles. The more they threaten the more they charge and the accounts never get paid off until they repo the cars making them more money. Its a horrible unethical company and I wish I never purchased a vehicle through them.
Product: Debt collection

Conn 's text me early this morning offering a settlement of 85 % against my outstanding balance of over {$3500.00}. I immediately, call XXXX to a take advantage of the offer. I spoke with the representative then calculated amount that was only much different than my calculations. I told them that 85 % would be much greater than the outstanding balance. She kept quoting the remaining balance of around {$2900.00} or so. After going back and forwards, I told her that I could send a screen shot of the offer which I did. My phone begin to act up and I had to restart it and the call was disconnected. I explained to them that the settlement was incorrect and that according to what I perceived the offer if 85 % was stated incorrectly, but they said it was not. File will not upload, but I can send in an email?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows XXXX XXXX XXXX XXXX as write off on my credit report and I made a agreement with the collection company to pay it off for XXXX. Both other credit agency have removed it. I have did to disputes with XXXX and gave them proof it was paid off and it still on my credit,.
Product: Debt collection

Account was placed on my credit.I have no knowledge of the account. I disputed the validity of the debt and I have been ignored. I discovered account number XXXX  from a company called National Credit Systems on my credit report. I never received a notice from them nor do I have any knowledge of the debt. I discovered the item on my credit. I sent them a certified letter on XX/XX/2019 and XX/XX/2019.... to date I have not heard back from them however, according to the bureau's they continue to verify the debt belongs to me- they wont even respond to me!!!
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 Number : XXXX XXXXXXXX Account Name : XXXX XXXX Account Number : XXXX XXXXXXXX Account Name : XXXX XXXX  Account Number XXXX XXXX XXXXXXXX 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My private information was released as part of the Equifax breach. I demand that Equifax overhaul and drastically improve their digital security to protect my personal information in the future. Their handling of this breach has been absolutely ridiculous and, as far as I can tell, borderline criminal. If there was a way for me to take my business elsewhere, I absolutely would.
Product: Credit reporting or other personal consumer reports

My personal information was compromised in the XXXX data breach, which occurred in 2017, As a result, my credit report contains multiple inaccuracies and fraudulent accounts that were opened without my authorization. 
I have reviewed my credit report and have identified several items that are not mine. These inaccuracies are directly linked to the data breach, and I am requesting that they be removed from my credit report. 
Inquiries XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Collections XXXX. XXXX XXXX {$1100.00} XXXX. XXXX XXXX  {$460.00} XXXX XXXX  {$790.00} Credit Cards XXXX XXXX {$31000.00} XXXX XXXX  XXXX {$2300.00} XXXX XXXX XXXX {$260.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th 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. 
XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes XX/XX/XXXX, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX XXXX never late XXXX   XXXX XXXX never late XXXX XXXX not mine XXXX   XXXX XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XXXX not mine XXXX not mine
Product: Debt collection

Credit Card Debt FRAUD from XXXX XXXX purchased by Asset Acceptance LLC c/o Midland Credit Management , Inc. ( Judgement or Decree ) I am trying to refinance current home. 
Title agency pulled my social security number and said it NEEDS to be resolved in order to complete the refinance. 

They are Trying to collect a debt from myself that does NOT belong to me. 
FRAUD alert. 

Case # XXXX Amount of {$3200.00} They are requesting payment in full.

Address is INCORRECT. Never lived at referenced address.

Date of Birth INCORRECT. 

XXXX XXXX XXXX XXXX dated XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report. Thank you. 
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 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 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 opened an account with XXXX in XXXX to the best of my knowledge I closed it in XXXX when I moved. I paid all of my bill due at the time I moved. Well from what I am understanding they then charged {$49.00} for disconnecting the service after I paid the last bill. I never knew about that charge, nor was I ever contacted, my phone number is still the same from back then. So in XXXX when I learned about credit reports and how to check them I learned this was on my credit report. So immediately I paid the account no questions. It now shows a late payment on my account in XXXX and is damaging my credit score. There was no effort to contact me what so ever, and there is no record of positive account payments either, only this one negative remark that is harming me because I paid it. It doesn't seem right to me that a {$49.00} fee that came from out of nowhere after I paid the final bill should be able to harm me for 7 years. This is not indicative of who I am as a person nor consumer and is the only negative info I have on my credit report. I would ask at minimum that this be removed from my credit report so that I can have a clean credit report going into buying a home. My interest rates can be effected by this account and just doesn't seem fair in my opinion. Thank you for your time and hopefully this can be resolved quickly!! 

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

I decided to reach out to the XXXX in regards to late payments that are showing on my credit report because I knew that I was in forbearance and the late payments should have never been reported. I was told there was nothing they could do for the information was correct stating that they reached out to me several times. I never received anything from XXXX in regards to me being out of forbearance. After searching through my emails, it was brought to my attention that my loans originated with XXXX XXXX and XXXX took them over fall of 2014 therefore my late pays from XXXX of 2014 do not fall under XXXX they fall under XXXX XXXX and should be removed. How can XXXX Report to the credit bureaus late pays that were never really theirs? They are reporting false information. As of today I am current on all my student loans.
Product: Debt collection

XXXX XXXX XXXX signed us up for Greensky and XXXX Bank handles Greensky lender program. On XX/XX/year> XXXX XXXX came into our home and destroyed two bathrooms trying to reduce a standup shower and another tub/combo shower. The issue here is after everything was done horribly wrong I called owner XXXX XXXX to talk about issues and he gave me excuses for XXXX weeks. Went to see him and asked about moisture barrier and he kicked out the showroom at XXXX XXXX XXXX XXXX XXXX XXXX. During this time XX/XX/year> called Greensky to open dispute and they said we will hold XXXX XXXX monies until the company made efforts to fix all issues. None of this happened and I found out the merchant was paid same day and greensky lied to us. Greensky has had this under XXXX reviews and still hasn't done a single thing. Me and wife have spent XXXX now to reduce everything but Greensky just laughs and says what else can I help you with. The bad part of the job their merchant did was to use plaster poured inside my septic and both shower and tubs had cracks and were leaking causing XXXX mold. I need serious help with this issue. XXXX months later still no resolution with either company. XXXX XXXX  owner XXXX XXXX just laughed in our faces saying we are a XXXX star company and I told you how to use a showet. Accused us of destroying the units and he stated we were closing shower doors backwards and this isn't possible. Turned XXXX XXXX into XXXX and they received a XXXX fine for not having a license. Also never pulled proper permits in XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX Requested a copy of my Credit Report to open an account & was done w/o my permission & consent. I asked them to remove the Hard Inquiry because it was Fraudulently obtained with a Fraud Alert on my Report stating not to release my Credit Report w/o my consent or permission, but they did it anyway & w/o my consent & permission & cant get them to remove the Hard Inquiry because the Company want report it as fraudulent even tho they already stated a prior request was fraudulently obtained. All I want is the Hard Inquiry removed that I never requested to be done & was obtained w/o my permission or consent & this has been going on over 9 months & had no problem w/the companies removing any other inquiries because they determined it was obtained Fraudulently & Without my knowledge. Please help me get this Hard Inquiry removed because its messing up my credit & my score preventing me from obtaining a home loan & credit line increases on credit cards I actually obtained a few years ago! Please help me get this Hard Inquiry removed, so I can get my credit straight! Thank You So Much for any & all of your help! I only want my Hard Inquiry removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion customer service would not help and take care of the Unauthorized negative inquiries reporting to credit report. 

Unauthorized inquiries desired to be deleted XXXX XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX   XXXX Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX National Credit Cards/Airlines Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX   XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions XXXX  caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

When I first found a new collection on my account from XXXX XXXX for a XXXX bill that I never had I immediately started disputing it. But every time I did they would just send me a copy of a bill that had my name on it. No signature or social security number provided. When I tried to tell them that this is not my account they just continually replied that the debt was valid. Which it is not. I have been trying to talk to them for over a year now about it ; And they refuse to cooperate with me or show me anything besides a bill that had my name on it. This is tremendously impacting my credit ; And this need to be addressed immediately.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX Account Number XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE XXXX BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.