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

On XX/XX/XXXX I completed a Student Loan Consolidation with XXXX XXXX XXXX XXXX XXXX. Every month since then the monthly payments are automatically deducted from my checking account. On XX/XX/XXXX I  received a Credit Alert stating that my score had dropped from XXXX to XXXX because my student loan payments were 90 days late. I contacted the XXXX XXXX XXXX and they said that my account was due for a recertification. I asked why I had not been notified and the representative did not have an answer. On XX/XX/XXXX XXXX XXXX XXXX sent me a notice to recertify. 

The payments have been made every month and yet a report was filed with the credit reporting agencies stating that I was 90 days behind. I believe that XXXX XXXX XXXX XXXX XXXX is responsible for this negative action. In addition to my monthly student loan payments I pay them to handle my account. They failed to do the work and notify me when it was time to recertify. This resulted in a drop of over 100 points on my credit reports. I need them to take care of this and get my credit standing to where I keep it.
Product: Debt collection

On XXXX/XXXX/2016 I started the process to get a debt from AFNI , Inc validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX. XXXX XXXX XXXX, IL XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 { 15 USC 1962e ], which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. Within the 30 days as allocated by the aforementioned statute. they sent back copies of a phone bill totaling {$890.00}, and a letter stating ways to pay them. NO SIGNATURE ELECTRONIC OR OTHERWISE was contained in the response from AFNI , Inc . Anyone can make a phone bill with enough know how with Photoshop or many other free programs on the internet, I can take the same bill they mailed me and change it in about 5 min to make it look like THEY owe the bill. That to me is NOT validation of a debt, and none of the forms mailed to me contained any signatures of mine electronic or handwritten. They did mark their trade line on my report as " Disputed ''. Already with no proof of MY signature validating the debt, they have already broken Federal law, by not supplying it within 30 days. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, that they have broken Federal law, as good will giving them one last chance to have them to validate the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been one response from this agency. My follow up letter has been ignored, I have all documentation of my attempts of correspondence with AFNI , Inc, and will also be attached with my complaint. This is LEGALLY unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies : XXXX, Experian & Transunion. These companies continue to list old debts of mine that should NO longer appear on my credit reports due to their age. 

This has made my reports look much worse than they really are ...
Product: Checking or savings account

Fraudulent withdrawal from an ATM in North Carolina of {$1000.00} at XXXXXXXX XXXX, with a debit card that I did not know I even had that had been sent to a fraudulent address. Bank refused to block transaction. I'm starting to believe that this is an inside job by an employee of Wells Fargo. Bank is very unhelpful. Will not reverse the charge and give me my money back. I have a negative balance created by this transaction which is fraudulent and my deposits are at risk of being taken by the bank to cover this amount. Customer service representative kept saying I don't know. The banker from my first phone call kept getting upset. This was all recorded at Wells fargo. So they should have a copy of it on the date XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I enrolled in university XXXX XXXX I was told complete WRONG information and was lied to. One I was not explained properly about the grant and loan process. I thought they were grants that I would n't be paying back. When I talked to an advisor about enrolling I did n't know what I was doing so I was trusting the information they were providing. I had told them my goal was to become an XXXX, they told me I could start my degree online with them then later transfer to any school. So I started this process. School was easy and not a challenge they gave you most of the answers. I did this for about a year. I then reached out to XXXX XXXX XXXX XXXX PA asking if i could transfer my credits to start the process of doing the schooling with them for the XXXX program. They had told me that NONE of my credits would transfer and I would be starting all over. So I then reached out to XXXX XXXX College and even did the preadmission testing. Once my testing was completed I sat in an office with a women who looked over my transcript and completed credits with university XXXX  XXXX and stated NOTHING would transfer and I would have to start over. The whole reason I started with university of phoenix was to get my general schooling done and transfer over to a local school. WHICH THEY TOLD ME BY EMAIL and I still have it, and by phone that I could do this.. WHICH was a LIE. Due to the frustration of all of this I dropped out of school. I didnt know anything about credit, I was a single mom all those years just trying to better my self and they scammed me just as they did others. This aparently happened alot in XX/XX/XXXX-XX/XX/XXXX the years I was attending school with them. They had me applying for loans that I did n't realize was actual loans with the government. THey should be paying these loans and I will be processing a borrowers defense, as I just learned about this. This is effecting my credit because of them scamming me. I am now more educated about my credit and want things done right. experian has removed these loans off my credit but they are still on my XXXX and XXXX have multiple of the same loans on my credit report. I have copied and pasted some of the emails.. I received alot from them.
Product: Debt collection

I received a letter stating that I owe {$20.00} for XXXX issues of XXXX. I received mail from XXXX unsolicited and did not subscribe to this publication. I did not receive their magazine and am not interested. I do not owe them any money. 

The debt collectors are called : North Shore Agency XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX Ph. XXXX ext XXXX
Product: Credit card or prepaid card

On XX/XX/20 my husband was scammed by phone. The caller impersonated a local law officer and convinced my husband a family member would be arrested if he did not immediately post bail in the amount of {$6500.00}. Under duress, my husband made three separate purchases of {$500.00} each of XXXX XXXX XXXX XXXX XXXX  with his Discover card which I own at the XXXX IA XXXX XXXX totaling {$1500.00} on XX/XX/20 at XXXX, XXXX, and XXXX. 

About 30 minutes later he purchased five more XXXX XXXX XXXX XXXX XXXX  of {$500.00} each of with his Discover card in a single transaction totaling {$2500.00} at the XXXX XXXX at XXXX. 

Still under duress and still not with substantial funds my husband proceeded to the XXXX IA XXXX and attempted to purchase XXXX XXXX XXXX XXXX XXXX  of {$500.00} and the purchase was declined. 

I received a text from Discover notifying me of the decline allowing me to freeze my credit card - which I promptly did. 

Discover has refused to reverse the charges. 

I told Discover that I have been a customer for over 20 years and that is not normal activity for my card. As such, I should have received a text after the 2nd {$500.00} purchase. If Discover had reacted properly, I would have suffered a scammed debt of {$1000.00} versus over {$4000.00}.
Product: Checking or savings account

I have maintained an account with Truist/Suntrust for over a decade. This issue has happened once before and I did not learn my lesson. I have now. 

This morning, I attempted a perfectly innocuous XXXX transfer -- a feature of my account and something I have done dozens of times previously. Indeed, I initiated the transaction from the Truist app on my XXXX which has face recognition. 

For inexplicable reasons this resulted in the bank placing a lock on my account. For inexplicable reasons, the lock can not be released unless I walk into a branch office. 

I can not walk into a branch office because I am presently in XXXX. I live most of the year in XXXX. The CFPB 's online form requests my account number. I CAN NOT PROVIDE IT because I am locked out of my accounts. Instead I have provided my Debit Card number. 

This is absurd. There is no security issues or challenges. I will happily abandon the XXXX transaction so I can access my accounts in order to close them. 

This bank has denied me access to to my funds on a fraudulent basis. 

I just want to regain access to my money.
Product: Student loan

I have filed for a discharge of my loans and Fedloan keeps adding interest to my account, while it is in dispute and has been for over two years. XXXX XXXX has been refusing to review loan discharges from from fraudulent schools, such as XXXX XXXX, which I attended. My loans are in deferment, but the interest is adding up @ over {$800.00} per month and being reported to the credit agencies. This is unacceptable and needs to be remedied. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting different last payment information on each credit report. Creditor is inaccurately reporting the last payments as being on XX/XX/XXXX XXXX Transunion XXXX and, XX/XX/XXXX XXXX XXXX XXXX The last payment I made on this account was on XX/XX/XXXX for {$650.00} via XXXX. Creditor is falsely trying to reset the debt statue of limitations for North Carolina by reporting inaccurate payment information and activity.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted a dispute through Experians online document submission form, requesting a detailed description of the reinvestigation procedures for items they had verified as accurate on my credit report. I provided the necessary documents, including my photo ID, social security card, and proof of address, to ensure proper identification. 

To date, I have not received any response from Experian regarding my dispute. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation and provide information on their procedures when a consumer disputes the accuracy of items on their report.
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 Account NumberXXXX 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: Bank account or service

My debit card was used to make fraudulent ATM withdrawls and the bank issued a provisional credit in the wrong amount. I ca n't get them to fix the error. Their Fraud department says that the transaction was disputed in the correct amount ( which it was ) and that Customer Service needs to fix the credit amount. Customer service says that I have to file a new fraudulent transaction report to get the right credit amount. The Fraud department says that I ca n't file a new fraudulent transaction report because I have already disputed the transaction. My local branch says that I have to call the Fraud Department who sends me to Customer Service who sends me back to the fraud department. I just want to get my money back. The credit should have been issued more than a month ago.
Product: Credit reporting

I went on XXXX and ordered my annual free credit report from all XXXX CRA 's. I reviewed the report from XXXX but the site crashed before I could go on to review the reports from Experian and XXXX. The site then said that I had used up my free report review for the latter XXXX companies. I tried to write to them on their site but after emplaining the problem in the " contact us '' space I was unable to submit the request and received an error message. I would like to review my free reports asap.
Product: Debt collection

XXXX XXXX has claimed I owe them for a fictitious debt for YEARS. Allied interstate is just XXXX in a long line of debt collection companies that XXXX XXXX has hired to act as their agent to continue this pattern of harassment. I have contacted Allied Interstate in writing and disputed the debt, They have not provided any source documentation as requested within the thirty days I allowed them to respond. Allied Interstate has continued to attempt to contact me by phone continuing this harassment, despite the fact they are unable to provide me with proof of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. Equifax and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting

I am a victim of identity theft. Someone stole my personal information and opened up a XXXX checking account and money market account back in XX/XX/XXXX. The following checking and money market account are fraudulent and unauthorized : XXXX Checking Account : XXXXXXXX : XXXX. I have never opened a checking or savings account with XXXX.The accounts do n't belong to me.
Product: Debt collection

I requested validation of the {$570.00} owed to Millennium Financial Group, LLC. On XX/XX/XXXX I received 14 pages of account history from XXXX XXXX XXXX XXXX including names and dates of children and their procedures not associated with this bill. These are clear violations of all three minor children with appointments dating from XXXX inclosed. I have reached out to both Millenium Financial Group and XXXX XXXX office on Monday XX/XX/XXXX without a response back.
Product: Debt collection

I was getting contacted at my door and on the phone constantly to make appointment in regards to my approved pace application. I accidentally was outside after work and XXXX XXXX salesman for cat exteriors arrived around XXXX he didnt leave until late hours went by. Him and the fortifi girl snd another woman he had contact the lender on demand, timed a series of docu signs and phone calls he even shipped out a fax and printer. I asked if my payment Will go up to fund the escrow account per the pay program and XXXX told me out right now. Your payment will not go up. Nothing will change. I asked him again. Are you sure? No he lied to my face he also said hes giving me a special deal I have three quotes in the XXXX for the same thing but top of the line system they were like XXXX XXXX and XXXX Im paying XXXX XXXX for a {$15000.00} system. I know this because the work was completed before Christmas I believe XXXX XXXX contract states they Will get all necessary permits well when they started harassing me on the phone this last XXXX weeks I thought that they needed to come here because their building inspector needed to inspect to close out the permit so I asked them. Can you bring a copy of the permit they went XX/XX/XXXX and got a permit from the city of XXXX in the name of the installers company for the amount of the work the payment of {$15000.00} so they pay it didnt pay enough money to city of XXXX XXXX they build me double that also started threatening me via text XXXXXXXX XXXX XXXX I never said I wasnt gon na pay I dont start making payments till XXXX XXXX. They said that they didnt get funded so XXXX in violation because I didnt tell fortify work was complete, missing items theres no smoke detector. Theres no carbon monoxide. The work is incomplete and why do I have to tell them that the installer took pictures and I signed these people are running a scam. Everything was finally tuned. Precise to the second when his phone would ring when the facts would come in and I couldnt get a word I couldnt breathe. I couldnt get away from him in my face on on on on on please help me please make them stop. I see they did this in XXXXXXXX XXXX now Im probably gon na lose my house. 
My contact intro is outdated
Product: Debt collection

I purchased a vehicle and within the first week the engine caught on fire and the car was totaled. I had never made any payment for the vehicle. And the dealership commuter cars was supposed to nullify the deal. Instead they went and XXXX XXXX a payment in my name illegally trying to make me responsible for a vehicle I never received ownership of. They have put the debt on my credit report trying to collect a debt I don't owe. And have been u reachable yo try and settle the matter. As they know what they did was illegal
Product: Credit card

I was denied for a XXXX XXXX credit card. The reasoning stated " The credit privileges on your existing accounts are currently restricted. '' I don't understand this reasoning and asked via phone call about that as well. The phone call said that it was based on Business credit card rules, which were not explained in any detail to me. 

I currently have a working store credit card that Citi services, has a credit limit and that I am able to use. Also this was for a Business credit card, which I don't believe should be affected by Personal credit card rules.
Product: Debt collection

OnXX/XX/XXXX I received an email from a collection representative stating my account was past due. Upon receiving the email, I noticed that the email was not only sent to me, it was sent to other customers with past due balances and our names were included. Also the mini Miranda was not mentioned anywhere in the email. I contacted Coastal Credit and spoke with a collection manager by the name of XXXX XXXX on XX/XX/XXXX and made him aware of what the representative had done. XXXX stated that he had to contact the Vice President in reference to the issue and would get back with me the same day. On XX/XX/XXXX I contacted XXXX because I had not received a return call and he stated that they were handling the issue internally and there was nothing else they could do. I informed XXXX that I was aware the punishments that could apply to a creditor for violations of the FDCPA and I would like to be compensated for being violated. He stated that would start a formal complaint. OnXX/XX/XXXXI received a call from XXXX XXXX ( a supervisor with Coastal Credit ) and he stated that the company knew the agent had violated the FDCPA and it was handled internally but after speaking with their legal counsel I am due any compensation and I could move forward with my complaints and any legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

The following laws prove that the accounts have to be removed from my credit report : - 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Payday loan, title loan, or personal loan

THESE XXXX FIRST HACK MY BANK TO COLLECT THE FULL AMOUNT OF A LOAN I WAS MAKING PAYMENTS ON WITHOUT NOTIFYING ME AND NOW THEY CLOSED MY ACCOUNT FOR 60 DAYS BEFORE, SO I APPLIED AGAIN AND THOSE NASTY JEALOUS XXXX STALKING MY ACCOUNT BLOCKED MY ELIGIBILITY FOR NO REASON AGAIN.
Product: Debt collection

A relative opened a Credit card and Made me a Beneficiary Or another Recipient of this account. A purchase of {$440.00} was made on my behalf in 2018. I was called and harassed numerous of times to the point of having to change my number, i was receiving threat 's of debt collections and a decreased credit score. I've emailed called and written letters To get this removed from my credit report to no avail. They have claimed to resolve the problem and i the consumer just Disagrees