23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my SEVERAL 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XX/XX/2023
Product: Student loan

I initially checked my credit report and saw a balance for {$12000.00} for XXXX XXXX XXXX XXXX. I contacted the company on XX/XX/XXXX and requested a copy of the loan agreement with my signature, and the agent agreed to send the information. He also stated that the loan was opened back in XX/XX/XXXX. I told him that I don't recall signing for the loan. Instead of sending the document I requested, the agent emailed a docusign settlement statement, which I didn't sign for. I will not agree to a loan that I never signed for. I am requesting an original copy of the loan terms, which they will not provide to me. I will also file a complaint with the credit bureau.
Product: Debt collection

XXXX XXXX XXXX consistently calls after I ask for signature proof of me a agreeing for a debt with CAPITAL ONE to be sold or signed off to XXXX XXXX XXXX  which I did not do.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding my credit report. Upon reviewing my credit history, I discovered several inaccuracies that have negatively impacted my credit score. It appears that there are discrepancies in the reported information, which do not reflect my financial behavior accurately. 

XXXX XXXXXXXX XXXX is reporting a Charge off on XXXX and XXXX of XXXX through XXXX. There aren't any indications on this report showing missed payments of 30,60, or 90 days. Report shows good payment history and then goes right to charge off. This account was paid in full durning this same time frame. 

Furthermore, Equifax and XXXX XXXX are stating a charge off but reports reflect " none reporting '' for the entire term. 

I kindly request that you conduct a thorough investigation into these discrepancies and take the necessary steps to correct the inaccuracies promptly. 

I understand that errors can occur, but it is crucial to rectify them as soon as possible to avoid any further repercussions. I appreciate your prompt attention to this matter and your cooperation in resolving it efficiently.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I sent a request for the method of verification to Experian via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the account XXXX I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.
Product: Debt collection

I contacted Medical Data Systems, Inc regarding XXXX medical accounts. I was asking them about settlement/payment options. I was told that I could not choose which account I paid first. They told me if i sent in a payment that they would apply it towards the oldest account first. I asked again if I could pay the smaller accounts first and again I was told no that it would be applied to the oldest larger balance and I did not have the option of choosing which account I paid. Under section 810 of the FDCPA it says that I have a right to choose which accounts I pay.
Product: Credit card or prepaid card

So I got a job in XXXX Idaho employers name is XXXX XXXX  long story short I never received pay and still havent received pay from my work. Apparently all my earnings were put on a prepaid card that I have never been able to access that I was never physically given a card I have called at least XXXX times trying to get my money ending up going nowhere each time except for the last time a gentleman told me that they would be able to send it to XXXX and I could pick it up that someone would be calling me within the next days this was on XXXX XXXX I spoke with Payactiv customer representative I believe I started XXXX sometime in XXXX of this year 2023
Product: Credit reporting or other personal consumer reports

i sent Experian a Dispute letter on XX/XX/year> and my profile is still not updated. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report.
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. 

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. 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

I sent The Bureaus a letter on XX/XX/XXXX, to the address reported on my credit report. That mail was returned to me. I don't know who they are or why they are on my credit, and now I can not request validation of the debt pursuant to the FDCPA. They have reported incorrect information on my credit report, substantially in the form of THEIR OWN ADDRESS! They are required by law to report 100 % factual information, can they be trusted to do this when they can not even update the credit bureaus with their own address?
Product: Credit card or prepaid card

the law offices of Frederick I Weinberg is debt collector suing me under XXXX XXXX XXXXXXXX. They are saying they are a lawyer under XXXX XXXX XXXXXXXX but haven't provided me with any of the information that I have requested under the Emergency Banking Act of 1933.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax about this " XXXX  XXXX Acct # : XXXX '' fraudulent account. I provided ; FTC report, Police report, Statement of facts, along with other verifying documents. Equifax & XXXX XXXX refused to remove the fraudulent account from my name.
Product: Debt collection

My auto loan through Ally Financial was paid numerous times but the company always called trying to collect late fees 2 days after the bill was paid up to date a fee of {$32.00} and then WANTED AN ADDITIONAL {$32.00} LATE FEE BOTH ON THE SAME DAY. tHERE WERE TIMES WHEN i PAID THE LOAN AMOUT AND PAID ADDDITIONAL MONIES BUT 2 DAYS LATER RECEIVED A LETTER STATING THAT A LATE FEE OF {$21.00} was still due. This went on the entire time for the loan. Mostly it was phone calls requesting {$32.00} late fees after the bill was paid up to date two days prior but I did finally receive a notice two days after it was paid requesting additional late fees. I have documented proof of both, additionally these letters and phone calls were generated a few days after the bill was paid. The car was repossed and I tried to pay one payment which Ally would not accept. I feel that I was a victim to a SIMILIAR CASE THAT INVOLVED A MAN NAMED XXXX, WHICH i SAW ON XXXX. wHILE THERE IS PROBABLY NOT TIME TO SAVE MY VEHCLE XXXX XXXX vin #  XXXX, XXXX title # XXXX, lein held by ALLY Financial XXXX XXXX XXXXXXXX, XXXX, XXXX   XXXX. Debt was collected from PO boxes in XXXX, XXXX. I am sharing my stories so that you can prevent other consumers from experiencing fraudulent activity from ALLY Financial. I have documentation that could not be scanned at my local library but will and send in addition. But Ally also has copies that were sent to me, if they are being honest. I will file other complaints and forward documentation to you with the file.I prefer correspondence in writing and duplicates sent via email, I have had numerous problems with my XXXX account and emails disappearing or not sent to my inbox, another complaint for another time. Thank you in advance for your time and attention.
Product: Credit reporting or other personal consumer reports

I have been sending disputes to the credit bureaus since XX/XX/year> and not once have I had any deletions nor have they even sent me any documentation that they are even processing my disputes. This is utterly sad that the credit bureaus are NOT DOING THEIR JOBS!!!!!!! I am going to the XXXX  XXXX. 


See attached
Product: Prepaid card

I was given five prepaid cards as a gift. They are for {$500.00} each. They were purchased at XXXX, and the cards say they are from Vanilla. I have receipts from XXXX for each of them. I tried to activate two of them at XXXX, as directed on the card. I got a couple of different error messages, that the system was down, or there was a problem with my card. I then called the company. I went through each of the five cards with the representative. He told me two work ( I have not tried them yet ) and the other three are invalid or have been flagged for fraud. He took my address, phone number, email address, but could not explain why he needed that information. ( I did not purchase the cards, they were a gift. ). He then said I had to submit a complaint to an email address - XXXX. I have to include photos of the card, receipt, packaging, which seems OK, but also my drivers license, which concerns me. Again, the representative could not explain how they will research the matter, or why they need my personal information to do so, including a photo of my drivers license. 
The cards were purchased for me on XX/XX/XXXX, and I have admittedly been slow to activate them. But they dont expire until XXXX, so this should not be a problem. 
I will initiate the dispute process, but will not send them a photo of my drivers license. I will write back if they insist on this, or if I am unable to access the funds. In the meantime, flagging this incident in case many others are having problem accessing funds that this company is holding via prepaid card purchases.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to demand the immediate removal of unauthorized items related to XXXX XXXX and XXXX XXXX XXXX from my credit report. These items were added without my authorization and remain in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which mandates the deletion of information resulting from identity theft or fraud when supported by an FTC Identity Theft Report. My FTC report has already been filed and submitted.
Product: Student loan

On XX/XX/2019 I called in to make a final payment for the full amount of my loan ( approx {$4100.00} ) and need to use my VISA Signature rewards cards to gain the points. They are refusing to accept my payment via cc. This is how I need to pay the balance in FULL. They keep bouncing me around to " supervisor '' to " supervisor '' and are not very helpful on the phone. The last supervisor I spoke with is XXXX with employee ID XXXX. I'm still on hold for another " Supervisor '' but I'm not hopeful. I'm literally trying to pay the balance in full however they will not accept the payment.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 put hard inquiries on my credit report when they told me it was just soft pulls I would like to remove from my credit report immediately
Product: Debt collection

Latest call on my cell phone from XXXX ( Midland Credit of Michigan, although their XXXX XXXX is in XXXX XXXX, CA ) on XXXX XXXX, 2017 looking for someone not related to me as usual. Many calls are " hang-ups '' and never a message is left. Other calls come to my home phone. I am not a research service willing to give any debt collector any information about myself or anyone I may or may not know. I 'm certain that just a call back to direct them never to call me again will result in my phone number being added to their database and sold by them to databases all over the country. There is precious little federal protection from this sort of data theft. Such calls, where the caller KNOWS you are not the person for whom they are searching are harassing, hurtful and unethical. When these mountebanks call you, ignore them, NEVER give them ANY information and report them immediately to the BBB and sites like complaint.consumerfinance.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stolen identity someone opened credit cards accounts using my identity Open accounts XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX Total value XXXX Closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that COMENITY BANK are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed
Product: Debt collection

On XX/XX/XXXX I had received a email from XXXX XXXX that my credit score has changed and when I went to check it dropped quite a bit from where I was at. I searched to see what the issue was and I seen that Jefferson Capital Systems has put a collections on my account for {$2900.00} and some change, from where? I have no clue at all. I don't recall me owing that kind of money to anybody. No information has been sent at all, somehow they have my social security number but when I went on their website to try and see what mess this is, there isn't even an account when I look it up with my last name, lat 4 of my social and my phone number, but when I call the automated system and I put in my full SSN, that is when the amount of {$2900.00} was said. No customer service, no actual line to speak to someone... nothing. This " company '' has poor reviews of doing the same thing to other people pulling debt from years ago making it into a collections account as of present day which is highly illegal. I have no clue what this debt is for, I tried to reach out 5 times and nothing yet. I can't buy my new house or car yet thanks to this lovely " debt collector ''. I want this collection removed ASAP! or I will sue if I don't get answers!
Product: Debt collection

I have a tax levy on my account with Wells Fargo. Not their problem. However, I only had {$650.00} in the account and they released the money to the state even though I am in California and it was a XXXX XXXXXXXX. California law says you cant take out money if theres less than {$1800.00} in the account. XXXX XXXXXXXX says you cant do it if less than {$3000.00}. My balance is {$0.00}. And now its negative - {$400.00} by tomorrow because of bills due. I have zero ability to deposit money because the levy is good for a certain amount of days. The levy is not the banks problem but they are not supposed to execute that order with insufficient funds. My attorney agrees. I received zero notice from Wells Fargo. That should be against consumer law. We should all have the right to correct situations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and XXXX XXXX XXXX. They have informed me that they have reported the accounts as closed and the accounts should be deleted month ago. I have called the credit reporting agencies. The only thing that has occurred is extension of investigation, despite additional information not being received. They have also granted me letters stating that they have deleted the accounts, however the accounts are still showing up on reports as unpaid collections. 

Additionally, I have submitted online documents showing that XXXX XXXX is reporting innacurately reporting a lease break. I provided documents showing the Contemplated Lease signed as part of the application process. I provided Lease Disclosure on Page 52. that states that this Contemplated Lease is not approved until the Manager signs it. The manager has not approved or signed it. I withdrew my application prior to approval. The manager ignored my withdrawal and charged me with a lease break.

I provided 1 ) Contemplated Lease ( mandatory-part of application for apartment XX/XX/2018 2 ) Email- The email withdrawing application XX/XX/2018 3 ) Invalid Lease ( See time stamp on last page-Manager signed online XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all required documents to have any Fraud alerts removed from my account. Please see the attached letter.

XXXX  sent a letter stating they updated an extended fraud alert on my XXXX  Credit file.

I did not request this.

I want the Fraud Alert Removed!

I believe this is a way of discriminating against people who are requesting a credit card. I have applied for credit cards, and have been denied because of the fraud alerts on my account. 

ADDITIONALLY, THEY SENT THE REQUEST TO FOR AN EXTENDED FRAUD ALERTS TO XXXX AND EXPERIAN. 

I WANT ALL FRAUD ALERTS REMOVED FROM MY CREDIT REPORTS1
Product: Credit card or prepaid card

On XX/XX/XXXX, I went online to purchase concert tickets through XXXX  XXXX. I had the site show me the best values and purchased what I thought were best value. Immediately after purchasing the tickets I went back to XXXX XXXX to purchase an additional ticket in the same section and the same row and found the prices were drastically lower. They were 50 % less. Wanting to really go to this show, I purchased the additional ticket but a few days later I couldnt bear the feeling that I had been misled into buying overpriced tickets. 

I called American Express to dispute the charges of the first ticket purchase. They said to call XXXX XXXX   and call back if they can not resolve the issue. I called XXXX and they told me the tickets were non-refundable and would not budge on the issue of misleading purchases. I called American Express and the said they would dispute the charges. Several days later, I was credited the full amount. 

Couple months later the show was nearing and I quickly looked into buying tickets that I was able to dispute through Amex. I found considerably cheaper tickets of the same section and row on XXXX. After the show, I downloaded a statement from American Express showing that the dispute had been charged back on XX/XX/XXXX. I looked through the account activity on the main homepage and it did not show anything in regards of chargebacks. 

I called to inquire about this. Feeling frustrated, they kept reiterating the same line over and over again. I am sorry but XXXX has a no-refund policy. 

My complaint here was first with XXXX but more so with American Express now. I was never notified of the chargeback on the dispute. Never received an email, document in writing and the website account activity page shows no mention of the chargeback. I went to purchase replacement tickets under the pretense that the dispute had been resolved. The show is over, the tickets went unused and I am left with XXXX dollars in charges. I asked the American Express supervisor to send me in writing of their policy in regards to the date confusion of the chargeback and she told me there was nothing in writing that she can show me. I feel misled and cheated and their excuse for their policy is nowhere to be found for me to know prior that this was the case. 

XXXX and American Express are two large companies that have taken advantage of an average concert goer and turned what was to be a great experience, one filled with frustration and disappointment. 

I feel that XXXX should manage the sale of the tickets more carefully, make sure that their algorithm for their website is accurate. I believe they should not allow selling of tickets on speculation and tickets that are not currently in possession. 

I feel that American Express should have written policies of their disputes, one that clearly explains and informs their customers. I believe they should also have a website that clearly identifies with accurate dates of the dispute chargebacks. Their policies that phone representative reiterate over and over should be available in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed the following inquiries that I never authorized : XXXX XXXX  Dba XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX
Product: Mortgage

I set up auto pay directly with select portfolio mortgage company after previously making them through my bank. I was told that the set up would be quicker and could even make real time payments that could be applied real time to reduce principle. This would allow it to be properly applied- sending extra from my bank would not ensure that they would apply it correctly even though memo would state how I wanted it to be applied. I HAVE HAD NOTHING BUT PROBLEMS WITH THEIAUTO PAY. They have missed payments, not applied the extra correctly and I have NO confidence in them. I have had extensive conversations to resolve. The last straw was that I saw a credit file alert stating late payment EVEN THOUGH I HAVE AUTO PAY THROUGH THEM. I believe that this companies has deceptive billing practices, is derelict in their management of funds and falsely reports to credit agencies based on their errors. I have no way of confirmation that thary are processing things correctly and would like for them to be fully invesistagated as an organization.
Product: Mortgage

Attached you will find the new public records report with the documentation of the lower square footage as I stated in my complaint, given to me by XXXX XXXX of the XXXX county assessment office in XXXX Pennsylvania. 

If you have any questions in reference to this you may contact him his name is XXXX XXXX his phone number is XXXX, his email address is XXXX. 

I will also be sending this to the CFPB.