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

XX/XX/XXXX started XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX for XXXX  XX/XX/XXXX received notification for no payment though XXXX  bank statement showed other wise Contacted Support and they blocked my login closed my account Reported to XXXX  MONEY NETWORK merchant services about the difference in credit scores between XXXX XXXX XXXX Not resolved. The scores are still different I placed XXXX year freezes since XX/XX/XXXX XXXX notified me of another breach this relationship with XXXX XXXX Business accounts and commercial partnership SSN on the dark web Insurance and Driver 's license. Under this report stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX  XXXX reported breach XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number XXXX land line XXXX. 
XXXX reported breach XXXX XXXX by XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX along with XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX insurance Benificiary accounts Health insurance changed without knowledge consent or authorization XXXX XXXX  account had sim swap that took place with a added Email tracker placed on my device XXXX XXXX XXXX XXXX made changes to my account and was not authorized to do this a XXXX XXXX is listed in XXXX  a path under my account as we speak I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing up under my XXXX XXXX pay. XXXX  I tried reopening once I received my new device however with my new XXXX XXXX bank account opened kept popping up a number unknown same thing on my XXXX XXXX bank account XXXX XXXX  opened XX/XX/XXXX. I have received notice of XXXX deposits NOT reflecting in my XXXX  account. My credit card builder at XXXX  is listed as XXXX XXXX  XXXX debit card savings account listed as XXXX XXXX  XXXX, then apparently I have a secured account in which I have assets however can not receive information related to it where it is or which bank institution partner of XXXX  is holding these assets. I have disputed XXXX charges that I don't have nor do I have access to XXXX and XXXX XXXX charged were made I didn't and couldn't have made were charged, Along with Employer payroll checks denied due to the post date however when I deposited it was a reverse payment applied by stop a minute nobody can explain this my phone XXXX kept showing up under a XXXX XXXX and over XXXX dollars saved in the XXXX  app was transfered the XXXX team once again just blocked my access and closed the account as a solution. I don't know what kind of XXXX bank is participating however retaliation and dilebarte interference and locked assets results from this I am showing a XXXX dollar loan or line of credit I have no idea where this is what account but it isn't mine. I'll never be able to accomplish operating a entity with this XXXX allowed also XXXX XXXX  is showing up on my device also however denial of any accounts relationships etc with me?
Product: Debt collection

Paramount Recovery SyS is a third party debt collector who is not registered to do business in Florida. Which is violating code 15 usc 1692 b ( 2 ).

Second, This is also identity theft because know one got my consent to do anything with my debt.

Last but not lease they also have reported inaccurate things on to my credit report. For example investigate : XXXX doesnt even have it reported at all, column last reported is inaccurate, as well as column last active.
Product: Checking or savings account

The bank I trusted with my money : Santander. On or around XXXX XXXX XXXX I had noticed strange unauthorized activity withdrawing money from my checking account. My card was charged {$92.00} plus an international charge of {$3.00} on XXXX/XXXX/XXXX. Another charge in the same amount was posted to my account only 14 days later. On XXXX/XXXX/XXXX my account was charged again in the amount of {$92.00} with an international charge of {$3.00}. I spoke with a branch employee reguarding the issue and we then set up a complaint and attempt to retrieve money back. My card was replaced at that time. Within about three business days one of the charges had been refunded. The amount refunded was {$92.00} plus the international charge of {$3.00} was refunded to my account on XXXX/XXXX/XXXX. I was still waiting for the remainder of the refund. The amount I was waiting on was {$92.00} plus {$3.00} international charge. On XXXX XXXX XXXX my account was over refunded two refunds in the amount of XXXX and an international charge of {$5.00}. My expected refund was only in the amount of {$96.00} total. The over payment was not my fault and was in the amount of {$96.00} plus {$5.00}. On XXXX XXXX XXXX I had noticed the overpayment was taken out of my account in the amount of {$92.00} and {$3.00} the international charge. Then on XXXX XXXX my card and account was debuted yet another {$92.00} with another {$3.00} international charge. It also caused my account to drop to a negative account balance. I have sat down with several bank representatives who have seen the wrongful amounts withdrawn from my account and they have told me they could not help me. Over the course of the rest of XXXX I refused to put money in my own account for fear they would allow wrongful withdrawals again. I asked them to close out the account and it had since aquired addition overdraft fees each being {$35.00}. And then once more a sustained overdraft fee of {$35.00}. A total of {$170.00} in overdraft fees. Im hoping that they can adjust the amount that I owe so I can once again open a bank account as I have not been able to because it has been reported against me. This situation is not fair to me and my time. Its been very stressful for me and as a mother of XXXX children I need a bank account to keep my money safe. I do refuse to pay money that I do not owe in the process of this reselution.
Product: Checking or savings account

Hi, I have an account with chime that has been closed. I owe a balance of about {$47.00} and they give me no way to pay this amount. They assure me that this debt does not have to be paid and will not affect me in anyway. I dont believe this is accurate and makes no sense that a debt you owe a company wont affect you in say, going on your credit report or being in XXXX system where other banks can see it. They refuse to give it to me in writing stating that I dont have to pay them. This whole situation doesnt make any sense. I just want to pay what I owe!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX2022 i sent a letter regarding inaccurate and unknown things om my credit report to this day over 60 days later i have not received a response yet. i feel like im being taken advantage of and being ignored of my disputes, Section 611 ( a ), it clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into hands of the wrong person
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 confidentially under 15USC 1681 XXXX  accounts listed below 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. 




XXXX XXXX XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX XXXX. XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX  XXXX Acct. # XXXX XXXX XXXX BANKRUPTCY DISCHARGED Acct. # XXXX ( HARD INQURIES ) ( SOFT INQURIES )
Product: Checking or savings account

i went and got a car wash from a company which i paid with my debt card from wells fargo when i got home i saw the damage done to my car and the fallowing morning it was apairent that they soaked my carpet and a very bad smell was coming out of my car i called the car wash company and they didnt want to help so we called the bank that we have been with since 1996 and gave them everything they asked for but today i recived a letter that they are going to deduct the money from my account and that they show that some one with authorization used this card this bank claims to have protection for its clients and that it will protect them from fraud and theft are they not aware that theft by taking is the worst kind of theft
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 Avant XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXXXXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I looked at my Equifax credit report on XX/XX/year> and noticed somethings are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation, and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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

An account from Midland Credit Management, originally from XXXXXXXX XXXX XXXX XXXXXXXX, is reported on my credit file with a balance of {$320.00}. The account is marked as paid off but also shows as " past due '' as of XX/XX/2024. I sent a debt validation request to Midland Credit Management requesting proof of their legal right to collect the debt, a detailed account history, and documentation verifying my obligation to repay. Despite allowing sufficient time for a response, I have not received the requested information. The reporting remains inconsistent and inaccurate, which I believe is unfairly impacting my credit profile.
Product: Debt collection

In XXXX after 2.5 years of negotiating while considering bankrupcy, we finalized through our lawyers and XXXX XXXX XXXX XXXX XXXX of XXXX & XXXX for a Settlement Forbearance on our 3rd mortgage with XXXX XXXX of XXXX settled for XXXX with XXXX down and 60 payments of XXXX. 

We have made every payment on time and continue to do so as recorded on every statement of ours through XXXX XXXX and showing in all XXXX XXXX records. 

XXXX XXXX has transferred servicing of loans to a company named Dovenmuehle Mortgage Inc. ( DMI ) representing XXXX XXXX. 

Since this transfer occurring in XXXX of XXXX we have received through mail and multiple phone calls from XXXX/DMI, requests for, with total disregard or acknowledging a former agreement ( with payments made and accepted to and by XXXX XXXX ), for the full amount. 

There is no longer any communication available or successful with our former contact of XXXX XXXX or a successor on any XXXX XXXX phone line, extension or email. 

Our payments of XXXX are being made directly now through cash payments at the XXXX XXXX XXXX in XXXX WI and are showing as accepted by XXXX/DMI. 

With every phone call the XXXX/DMI representative will again start over and request setting up payments on a full due amount of over XXXX. This is unsettling and we are told by our lawyers this is in violation of the FDCPA. 

We are requesting by XXXX/DMI, validation of the Settlement agreement in progress, a confirmed process of future payment, a reliable and consistent contact to work with towards a successful completion of the agreement, consistent credit reporting as " charged off '', " paying under partial payment agreement '', and as of a last payment monthly or upfront to reach XXXX as " settled '' or " paid in full for less than the full balance ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Still having difficulties with Experian!! I call every day and get the same answer. call back in 24 hours. I have let them know I am victim of identity theft, and the thief has logged in and changed my secret passwords and used a new id. Every day since this happened, I have tried to gain access to my account. I get told every day to upload forms and I call back every day after I try to upload forms. When uploading forms, it gives error message. I have tried on numerous devices and used numerous browsers to send but it will not upload. I was told by XXXX on XXXX and she said its not her issue if the upload want work. 
XXXX talked to XXXX, XXXX spoke to XXXX, XXXX, XXXX spoke to XXXX and XXXX XXXX spoke to XXXX I can not even upload my police report. Ever time you try to upload something the error message comes up and states no file chosen even though one was chosen. I have also on multiple occasions told them the username has been changed. No one will help me and I am trying to prevent more damage to my credit. Only sending 2 uploads but hvae many more with different days and times
Product: Credit reporting or other personal consumer reports

On the above time and date of XX/XX/XXXX i reached out to XXXX XXXX to remove a Fraudulent XXXX  case. This is a fraudulent XXXX  account that I never applied for so I have no idea of how it still can remain on my account I never lived in the state of Indiana. As well as I also provide proof of active police report. I Have been disputing this account for the past year on my Experian account also the account have so inaccurate dates of it being open to support my claim for this being a fraudulent account and it dose not show on my XXXX report Account name : XXXXXXXX XXXX XXXXXXXX XXXX IN REFERENCE : XXXX Also the dates the fraudulent XXXX  was filed are different as to inaccurate Date open : XX/XX/XXXX. XX/XX/XXXX
Product: Checking or savings account

Bank of America has stolen money from my account since I opened it in XXXX. When I deposit money or receive money they subtract transactions that occurred in the past from that amount although my account isnt negative. they make it as if transactions are always pending to make this possible. I do not have direct deposit and I have a small income besides this is not my primary bank account so I can easily monitor my account to recognizing this happing. I believe Bank of America have an employee working on my account in this way making such adjustments especially diasplaying certain amounts in my balance relative to people whove stalked me and invaded my account. I want Bank of America to stop helping people like XXXX XXXX harass me and whoever is associated with her and other cyber XXXX  whove invaded me through electronic means. Its not okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting that I owed a balance of XXXX $ until XXXX of 2021. I began payments thru their collection agency, XXXXXXXX XXXX in XX/XX/2021, with XXXX $ monthly payments for 3 months before settling in XXXX for XXXX XXXX Actually paid XXXX $ and settled. The account balance carried thru XX/XX/2021 is incorrect, and has been disputed with no result. They are in violation of the FCRA for false information. All 3 credit agencies, XXXX XXXX, and Experian have failed to investigate.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I saw accounts that dont belong to me, and I dont understand how this happened. Ive always kept track of my credit report, but this time, things didnt look right. I tried refreshing the page over and over, praying it was a browser issue, but the errors didnt go away. Im desperate for someone to take the documents I provided seriously and check them thoroughly. I need to know this will never happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent accounts : XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX   {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX ) Unauthorized Hard Inquiries Equifax ( XXXX ) Unauthorized Hard Inquiries Collection XXXX XXXX XXXX XXXX {$150.00} ) Its been XX/XX/2019 3 Years 0 Months In accordance with The Fair Credit Reporting Act Convergent Account Has Violated my Rights. 

15 U.S. C1681 Section 602A States, I have the Right to Privacy.

15 U.S. C1681 Section 604A Section 2 It also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions or Consent
Product: Debt collection

Third party collection agency has been harassing me for years over a dept. They came to my home and threw paperwork into the doorway when anyone answered the door. They garnished my bank account taking {$17.00} of my last {$20.00} ~ all the money I had to my name. I finally contacted them and worked out a payment plan, they were not flexible on the amount and insisted on {$100.00} a month ~ the only way I was able to do this was to stop filling one of my prescriptions. I paid off the entire balance of the principle ~ informed them in writing that my dept was paid in full. Now they are coming after me for there fees & fines and again threatening to garnish me. The harassment has gone over the top ~ it 's unfair and needs to stop immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XXXX XXXX XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$910.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$990.00} XX/XX/XXXX XXXX XXXXXXXX {$9800.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$14000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

I was selling my daughter last crib on XXXX, a lady contacted me to purchase it. She said she sent a payment thru Zelle but I received no payment & got an email saying funds are frozen because of the amount being sent. It said I needed to send {$250.00} to the buyer to unlock the funds. It still didnt unlock so it said to do it again and so I did another {$250.00}. I was confused why it wasnt working so I called the bank and they said that the transaction already went through and couldnt be reversed and I had been scammed out of {$500.00}
Product: Student loan

In 2013 I received a XXXX and asked for a forbearance while on XXXX. I was never told that my interest could be held from a accruing while recovering for 4 months this made my loan increase by {$50.00} only to find out that interest should not have been charged while I was on forbearance for my subsidized student loan. Navient is my loan servicer. I 've also recently called to lower payments ( down to minimum payments ) and the servicer said that this was not possible.
Product: Credit card or prepaid card

My Discover card was taken by my boyfriend and completely maxed out. I never authorized him to use my card. When I found out about the charges I called discover and disputed them. They told me they would take care of everything and get back to me within 30 days. I filled out all the forms they sent me and they asked for a police report. So I filed the report. The investigation came back as me owing the money with the explanation of frequent vendors. I disputed again and send screen shots of my ex saying he would make the money right. They would not reopen the investigation even though I gave them proof. The failed the watch the cameras that would also prove him using my card. Now I'm stuck with {$3800.00} dollars and a 29 percent interest rate..
Product: Debt collection

a company called Portfolio Recovery Associates , LLC. just recently started calling my home phone and sending me letters saying I owe a debt. They are in a class action lawsuit with me as one of the plaintiffs. They use threatening language and other menacing tones. Even the letters they send say they can not do anything to me but persist on trying to collect money. Just want them to stop harassing me.
Product: Debt collection

I contacted National Credit Systems attempting to pay off debt until I found out I was a victim of identity theft. I called to inform XXXX XXXX the collections agent there and obtain identity theft paperwork only for him to fax and return only for him to continue to make threats. XXXX XXXX accused me of lying about being a victim and there is nothing that can be done to help me. I felt very offended by his actions. I asked to speak to manager and his manager said and did the same things. The manager even told me that there is nothing that well every be done to get rid of debt so deal with it.