23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

phone message doesn't state what kind of debt they are collecting and I don't have any outstanding debts. Receiving phone calls and messages almost daily.
Product: Checking or savings account

I didnt authorize this charge and I contacted chime to report the issue and they never looked at my investigation
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX U S DEPT OF EDXXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$7500.00} U S DEPT OF EDXXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$4100.00} U S DEPT OF EDXXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} U S DEPT OF EDXXXX ( Original creditor : XXXX XXXX ) XXXX Balance XXXX {$4200.00} XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Debt collection

Aggressive agency continues to call a phone number that is registered to my XXXX XXXX XXXX mother asking for me. I have no idea who these people are the gentlemen that keeps calling is very rude, loud and has attempted to intimidate me and my mother with loud talk and aggressive voice tone, leaving messages after I have told them I don't know who they are I dont owe anyone any money and cease calling and to take my moms number out of your phone they have refused to do so, calling from multiple numbers from various area codes, the recent call was today XX/XX/22, where by this person once again left a message attempting to intimidate a XXXX XXXX XXXX again this is her phone, not mine and I don't owe any money to anyone when asking this person to show proof I owe any money the person attempted to trick me into saying its my debt when in fact it is not. I dont know these people I signed nothing with them or there client whoever that may be and I am being harassed and so is my mother by these people calling a phone that belongs to her top calling trying to collect on debt that doesn't belong to me I checked my credit today these people placed this on my credit report saying its bank of the west I dont have any credit accounts with bank of the west there is no wet signature with said company and otr bank of the west. cease and decease, remove the erroneous reporting and or show proof its my debt I didn't sign anything for credit with bank of the west or this agency
Product: Credit reporting, credit repair services, or other personal consumer reports

After I filed a dispute ( online ) with Trans Union on XX/XX/2021, for some reason account information on all of my accounts would not properly update. The dispute was closed on XX/XX/2021. During this time, my XXXX, XXXX XXXX, and XXXX  accounts were updated on XXXX  and XXXX  with no problems. 

I called Trans Union twice and nothing was done. 

XXXX said they would do an off cycle update- they did on Monday. XXXX  and Equifax were promptly updated ' Trans Union did not. 

Thus, Trans Union reflects account information from XXXX. If my accounts were properly updated, my credit score would increase like my XXXX  and XXXX  scores per recent account pay offs. Moreover, Trans Union is the most oft used credit report and this problem can lead to credit denials and/or higher interest rates. 

Simply put, I want Trans Union to fix whatever is causing this and to properly update my account information/balances on a monthly basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently done an investigation into my credit report and I don't believe the credit reporting agencies are 100 percent accurate and so I would like this account removed.

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX US DEPT OF ED, XXXX XXXX  XXXX XXXX XXXX, PA 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 an account without my written instructions.
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 1681XXXX 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 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. 16815-2 ( 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: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found some inconsistencies in the late payment section, which doesnt match my regular payment habits.
Product: Checking or savings account

Someone did fraudulent stuff to my account so they closed my account and I cant pay back my loan at all
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX  XXXX, XXXX XXXX, XXXX OF XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

Complaining about Loan Depot Mortgages, Never got a delinquency letter from the company! Eventhough I had it all set up on my end for payment. 

Poorly handled by previous agent. When I started my refinance with Loan Depot from Other mortgage company on XX/XX/20. I have set up an autopay assuming it will be automatically deducted from my bank.

On XX/XX/2020 I got a message from Loan Depot through email about late payment and deregatory mark was immediately was reported to my credit bureau. I immediately called LOAN Depot regarding my concern. After speaking with customer service agent adviced for me to ignore the messages about the non payment as she can see that I already have the payment drafted in her system and that it should go through anytime. 

Long story short : the payment was never deducted even though i had set it up and funds are ready. i have never received any delinquent letter from Loan Depot! 

Called loan depot again and spoke to these agents : According to their Agent XXXX AGNT NUMBER XXXX And Agent named XXXX agent number XXXX There was a-glitch in their system. They informed me that they will move forward with this and retract the bad report on my credit. Unfortunately they never did. 

I have wrote them multiple email and faxes! Unfortunately no response. 

My credit went from XXXX to XXXX! 
I have been always meticulous with my credit and this is what I get after refinancing with Loan Depot. Very disappointing.
Product: Checking or savings account

At approximately XXXX XXXX2020 I tired logging on to my Chase online account. I received the notice that it was locked due to suspected fraudulent activity and was given a number to call. As of XXXX XXXX2020, I am now on my third call with Chase. The first time I called I waited 2 hours and no one picked up after the front line customer service specialist transferred me to the security specialist. I tried again and this time I waited another 2 hours after a 30 minute wait to be transferred to a security specialist by the front line customer service representative. After the 2.5 hours, the phone rang but no one picked up and my call was dropped.Currently it has been another 45 minutes on my third call to even reach a front line customer service specialist. I need to access my account online to be able to verify that payments will go through on time to ensure that I will not be charged any interests or fees.
Product: Student loan

I have been repaying my student loans via Navient and XXXX XXXX XXXX ; the loan was issued by them, NAVIENT PRIVATE LOAN TRUST and XXXX. They 're both a variable interest rate that has NOT adjusted to my income or basic principals of adjustments. The payments are insanely high whilst the loan itself will not reduce as the years tick away. The school that the loan was issued for is now going under as well ( XXXX. ) I have issued both federal and private loans for this school. I finished my education at XXXX University and am understandable with the federal loans provided. My concern is the the XXXX private loans I have, XXXX from Navient and XXXX from XXXX that are impossible to sustain and pay off. I have tried to address this several times and am struggling to find a way. I was told they should 've been forgiven given the circumstance but no point of contact is available for both the school or providers.
Product: Debt collection

They keep calling my job and home on a daily basis 2-3 times a day. using different numbers. threatening to sue me for an old debt. 

I've asked them to send me a letter but they want. They have all my personal information so there is no reason for them to keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

To remove items from my transunion credit report
Product: Debt collection

During COVID there was a lack of communication to address this debt. I never received notification that a potential writ of execution was going to take place which left me no opportunity to try and arrange for payment. With this said even making several calls, leaving messages, offering a reduced amount, staying on permanent holds, and emailing I dont get a response anyway. Its almost as if this firm purposely ignores you to make the situation more complicated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This alleged company ( XXXX XXXX   ) state thati have a banking account with them although I don't I have no idea on where this bank is located at, I've sent in my ID, certified affidavit form, with a police report, and ftc identity report, I've reported this to my credit bureaus and yet its is going 3 months of a constant investigation every time its gets to the 30 day mark is just automatically re-investigate and take my credit score down please assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I reached out to the bank and they told me they would remove the late dates from the account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account : XXXX XXXX
Product: Vehicle loan or lease

TD Auto Finance continues to harass me via phone, email & by mail. This vehicle was sold at an auction & theyve received more than worth the car was worth. They claim I owed a difference in the loan of XXXX & they have been illegally charging interest & reporting to all 3 credit bureaus as if I still have possession of the vehicle & now  reporting that I am behind in car payments & that I owe {$18000.00} they have also threatened to sue me in attempt to get a judgment made on my account. My next steps is to counter sue for harassment. This is absurd. They're manipulating me as a consumer & their business should be closed immediately
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 that a consumer reporting agency can not furnish my account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed on XX/XX/XXXX both by phone and filed on line with Transunion. Reporting that my loan with XXXX XXXX XXXX XXXX was incorrect. TranUnion has not shown a payment since XX/XX/XXXX. The 1st excuse in improper credit reporting was XXXX XXXX not reporting. 2nd excuse It takes Transunion 90 days to show credit payments. It is now XX/XX/XXXX and I have not received a correction of result.
Product: Checking or savings account

I have banked with Marcus for several years now with no issue. 

On XX/XX/XXXX, I received a phishing phonecall with someone trying to gain access to my account. I immediately changed my password. 

on XX/XX/XXXX, I attempted to log back in to my account, and it had been frozen due to fraud investigation on XX/XX/XXXX, I called Marcus support, asking for more information on what had happened, whether my funds were safe, and how to regain access to my account ASAP. I was given no explanation, just told that the information was " locked '', and to call back in 5 days XXXX, I called Marcus support again, asking the same questions. Was told again by agent that my account was locked, and they were unable to provide an estimated resolution timeline, or any additional information. Just to be patient and wait for a phonecall/email with next steps ( that they could not provide an estimated arrival date for ) While I appreciate the protections put in place to guard against fraud, I am extremely concerned about the way this is being handled. No one has been able to even tell me if my deposits are safe or when/if I will be able to access those funds again? As you can imagine, this is a major issue for me.
Product: Money transfer, virtual currency, or money service

I buy and sell items on XXXX and use PayPal as my virtual wallet for transactions. I have used this account for about 10 years and it has been in good standing the entire time and is still in good standing. Recently, I had some transactions on XXXX that were normal transactions and Paypal randomly decided to restrict my account without warning holding {$1200.00} in funds in my wallet hostage. Paypal will not give me any explanation as to why the funds have been stolen by Paypal and refuses to allow me to withdraw my funds. 

I have provided all information requested by Paypal but they refuse to respond to me through all available channels. I am attach a printout of all of the ridiculous documentation Paypal keeps asking for that has been provided. There are about 20 documents they have requested at this point, all of which they already had prior to their requests so they were second requests for documents they already had. 

Paypal has stolen my money and will not release it to me. Paypal knows that I am a long time customer and that this is normal activity. 

When I call PayPal they are using COVID-19 as an excuse not to provide customer service but they conveniently have enough people to staff stealing my money yet none to respond to me and fix the issue. It is sad that Paypal is using the death of Americans to make a profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When you have a credit card why, put a hard inquiry on your new card use.it go use from 234pt down why douse help are give a bad wrap thats not helping.i pay on time.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair trading act my rights of privacy has been violated with my consumer rights disclosed without knowledge. 
I have 7 hard inquiries I didnt authorize due to my information on the far web. 

The bankruptcy was not reported accurately. The date listed on each item listed as negative impacted by credit report was paid off prior to the bankruptcy filed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  sc XXXX has never been an address used by me XXXX XXXX XXXX XXXX XXXX ga is 1 address. It is the same address as 3 or 4 other addresses like this on my credit report. They were disputed but they have the same address just given 3 or 4 more times I lived at the address shown above. 
That is correct. 
I m currently unemployed, on XXXX.