23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX I realized that I had negative credit reporting from Loan to Learn. I called the number on the credit report which lead me to XXXX XXXX ( collector for loan to learn ) I asked what I owed and why I had not received notification that I owed a debt. XXXX XXXX stated they did not have an account on me and gave me the number to Loan to Learn ( XXXX ). I called Loan to Learn and spoke to the rep and was told that I have one outstanding loan balance and that the law firm was collecting on it not XXXX XXXXXXXX and that is why I had not heard from them. I contracted the law firm ( XXXX ) and was told that they do not have access to the account to collect. I stated that this was being reported to the credit bureau and that I needed a resolution. They stated they are not reporting the account and they could contact me when they could collect. I waited for a call back never received one. XXXX I received notice again that I had negative credit reporting, I called loan to learn ( XX/XX/XXXX ) back and was told that they would reach out to the law firm and they could contact me. When I did not hear something, I called back on XX/XX/XXXX. I requested to know a status he said if they dont call you back tomorrow I will. I asked about my credit report he stated well you signed the loan documents we have the right to report. I stated I have never received so much as a bill he stated they did not have to give me one I know I owe the money. I asked when the last communication was sent out he stated that it was sent out in XXXX I stated I was under bankruptcy then and did not have to pay since they were included In the bankruptcy. I stated that I have not received anything since. He stated that they may not have the documents to show they have contacted me because things get purged but I knew I took out the loan. I asked for the most recent notice he stated they have not sent one but they still have the right to collect because I signed the loan docs. To date I have not received anything, I know they know my address because it was public record during the bankruptcy. I also know that they have my phone number I called everyone involved in XXXX. To date no one with the ability to collect a payment has contacted me and they are still reporting on my credit report.
Product: Checking or savings account

Hi! 

Our household is coming off having one member of the former two income household being laid off for a year and a half, so all meager savings and unemployment benefits had dried up. I was trying to find something, and I had to borrow a lot of money from both sets of parents. At times our account would go into the negative, but I would transfer money the same day to cover it. I was able to find a job, but at a pretty hefty pay cut. 

We are trying to catch up on our obligations ; yesterday I couldn't transfer any money in to cover a negative balance with XXXX, so I tried having a parent paypal me. I was able to get cash from another bank account ATM to cover the rest of the amount, but my debit card wouldn't work, and when I called customer service, I was referred to a customer protection department that was closed. 

I called back early in the morning on the way to work, and was offered nothing but, " our terms and conditions dictate that we can close your accounts with us at any time, so as of now your accounts are closed and we no longer have a business relationship with you. '' The only thing I can think of that may have made them nervous was me going overdrawn one too many times even though I always found a way to cover it. 

This causes further problems though ; the first rep I talked to said things will likely be cleared up quick once I call the next morning and that I didn't have to worry about charges being returned and fees accruing with the bank or with these other companies. 

Since I probably won't get the account back, that's okay, their fraud and risk are too sensitive at the worst and most inappropriate times ever ( ex. : I bought some bread at a supermarket and spent less than {$10.00} and they stopped everything and worked their tails off to verify me, yet when my card was skimmed and I was at work, they let hundreds of dollars be spent at XXXX XXXX XXXX and I had to call it in and alert them to the theft ). 

There was NO warning ; my husband used to travel for work a lot. What if they pulled this stunt when he was out of town and he had no way back home? What if they did that and we were one of the many people affected by the multiple weather disasters that are KILLING PEOPLE?! 

So I am hoping, if they really paid those merchants, that it sticks and I will pay it back, without them tacking on additional fees for service that they've withheld indefinitely now. I'd love for them to also be on the hook for any returned payment fees with merchants, but I know that's a long shot. 

This is Bank of America. We've tried to stick by them because we got comfortable, and every bank has its issues, but we really should've seen the numerous red flags over the years and not gotten complacent. We were with them for 30 years and they dump us like this! Our whole family banks with them! I think it's time to change that. Their tech has been years ahead of the competitors, but their customer service and the disconnect between their acquisitions over the years ( Countrywide, Merrill Lynch ) has really pushed them to the back of the line. Eww.
Product: Credit card

i never had credit and i want to set up for a credit card but it shows i have or had one and it's not showing any application for a credit card
Product: Debt collection

was not contacted at all whatsoever about any debt owed. I found out by checking my credit report and finding a collection agency account by ad astra in regards to a seriously past due loan obtained from speedy cash/rapid cash. For 5 months i received no mail no calls or any form of communication from XXXX XXXX or ad astra
Product: Debt collection

Received call from FMS at work on XX/XX/XXXX and called that following day before there office closed and spoke with one of there representatives that I can not receive calls at the workplace. They advised me the number was removed. I Received another call on XX/XX/XXXX at work from XXXX XXXX. I then Contacted FMS XXXX XXXX XXXX ( FMS ) again since it was the weekend that following Monday and spoke with XXXX on XX/XX/XXXX advised XXXX to remove my work phone number from there list and advised them my workplace does not allow personal calls. I then received another call from another Male from FMS after my co-workers advised them I can not take those calls at the workplace. The company refuses to listen to my requests on having the company remove my work number since i can not take personal calls in the workplace. XXXX also threatned that if i didnt pay up there was going to be a nasty report sent to the major credit companies. She was short and rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS ON THE PHONE WITH XXXX # XXXX AT THE TRANSUNION LLC HE WAS THE 4TH PERSON I WAS TALKING TO AND HE INFORM ME THAT I CAN NEVER EVER GET MY CREDIT REPORT ONLINE, HE ALSO INFORMED ME THAT I WILL NEVER EVER GET MY CREDIT REPORT ONLINE AND I PURCHASED THE SERVICES AND I AM NOT SURE IF I GOT A CREDIT BACK ON MY VISA. I DO NOT KNOW WHAT TO DO BUT SUE THEM FOR I HAVE SUFFERED GREATLY AND THIS IS AN OUTRAGE AND I WANT TO BE SETTLED BY COURT ACTION ...
Product: Checking or savings account

after opening a checking account with " Discover Bank '' on XX/XX/2022, they froze my account on XX/XX/XXXX, XXXX took me 7 days to get my account unfrozen. ( they could have asked photo ID at the opening of the account ) I had a few scheduled payments during that time they all got returned and other companies charged extra service fees. I asked discover to cover those service fees, but they declined. so I decided to close my account with them, and they told me it will take 60-90 days to get my money back. This is beyond acceptable please help me get my back soon. if you look at XXXX and XXXX  reviews you will know this is not a unique case they have been doing this to everyone, please stop this predatory behavior from big companies like discover. I want to tell everyone that do not bank with discover. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are.

I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15U.S.C.Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts XXXX XXXX XXXX : Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Report XXXX XXXX XXXX XXXX : Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXXXXXX XXXX  XXXX Account # XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX : Account # XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX I also read where I can get the updated report after you investigate this from the Free Lawyer guy. 
Could you please send it to me Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Product: Debt collection

Debt collector Convergent sent me a collection notice for XXXX from company XXXX. The account is fraudulent. Previously I worked with the company to clear this and they confirm and acknowledge this account was opened fraudulently back in XX/XX/2021. I provided my Drivers License Account statement and SSN. They removed it from my credit report ; however bow they have sold it to another collection company Convergent
Product: Bank account or service

I have had an account with BB & T since before XX/XX/2007 with no fees. I had no activities so I rarely looked at my account statement. After 8+ years of no fees some time this year my account has been assessed fees greater than {$100.00}. I feel it bad practice and possibly against banking regulations to arbitrarily begin feeing a customers after years of no fees. 

I made no changes and was not notified of the new fees placed by the bank. With the XXXX XXXX scandal I want to make you aware to make sure your bank is not following the same path. 

I feel I was robbed of my money just like a bank robber now it seems the bank is the robber.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to inform you about an error I noticed on my XXXX credit report XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Portfolio Recovery-XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of item being disputedXXXX I have disputed this accounts several times over the past few months. I never received any response from these companies. I have asked for validation and repeatedly stated these accounts are fraudulent. 
I am requesting that you remove this information from my credit report. 

Thank you for your help
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I wrote the bureau requesting clarification regarding the interest rate that was applied to my account. The information they provided regarding the outstanding balance only lists dollar amount without specifying the interest rate used to calculate the amount. I ask the following information be provided. 

XXXX. The interest rate applied to my account. 
XXXX. Is the interest rate same as charged by original creditor? 
XXXX. The method used to calculate interest charges, including whether it is a simple or compound interest rate. 
XXXX. The date ( XXXX ) from which the interest began accruing. 
XXXX. Any additional fees or penalties that my have contributed to the total balance. 

Despite multiple attempts to contact the bureau, I have not received any response.
Product: Debt collection

In XXXX, my family began using XXXX sell phone service until XXXX XXXX. That was no contract service with easy pay in place. 
After we changed the mobile phone provider with XXXX wireless, XXXX did not stop to charge my wife 's credit card for XXXX /months. I e-mailed XXXX and they stopped the charge. 
On XXXX/XXXX/XXXX, I received a letter from " Enhanced Recovery Company LLC. '' three months after they reported it to the credit bureau. The debt is not mine and this damaged my credit score tremendously. This cost me to have higher payments and interest fees. This needs to be fixed in a quick manner.
Product: Debt collection

I submitted a previous complaint about Ressurgent Capital Services, complaint # XXXX. 

On XXXX  they responded that they would cease communications with me. On that same day they also sent me letters looking to collect a supposed debt that is not owed to them. So they are obviously telling the CFPB XXXX thing and doing another.
Product: Credit reporting or other personal consumer reports

Trans Union, XXXX, and XXXX are reporting an account transaction from XXXX XXXX XXXX which is a result of identity theft. I am not engaged in any business with the collection company and have never signed any contracts with the collection company. I have already notified the credit reporting agencies of the identity fraud and they are willfully failing to block and permanently delete the account transaction from my credit report and file. The reporting of this transaction is causing injury to my household and hindering my access to credit.
Product: Credit reporting or other personal consumer reports

Transunion refused my dispute letter and said it appeared to be someone else when I sent it by certified mail. These accounts must be deleted immediately, and my attached letter needs to be processed according to the FCRA. I have also cc 'd my lawyer handling this on the attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the XXXX time, my name is XXXX XXXX and not XXXX XXXX XXXX! 

I want the information on my credit report to reflect MY CORRECT NAME. Ive provided you with a drivers license and social security card that says XXXX XXXX and STILL this has not been changed. 

This is the last complaint I make about this issue, the next step is court so that a judge can tell you what Ive been telling you for the past 4 years. MY NAME IS XXXX XXXX.
Product: Credit card

I called Capital One to see if I can lower my interest rate which is currently 25 % and 23 % ( I have XXXX cards with them ). The first lady was very rude stating that it was nothing she could do and if they was to lower it the rate would be temporary.. This is XXXX I have been with this company for at least 2 years and my credit score is around XXXX, never missed a payment, and keep my balances low.. I informed the supervisor that I will be making a large purchase soon and WILL not pay them 25 % in interest.. The lady said she could n't lower my rate and to lower the rate is based on some standards.. I asked her what they were she could n't explain.. I asked her why I could n't receive the lower rate she could n't explain.. This is a XXXX way to run business with people and not a fair to their customers.. She could not give me any explanation on to why my request could not be granted.. I asked to speak to another manager she stated she was the highest that 's XXXX too.. This company is very unprofessional and love to scam people with high interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is intentionally misreporting negative information on my credit reports to keep my credit score from recovering. I went through financial difficulty about 4 years ago and I am trying to move on but I can't get my credit to recover because of the continuous misreporting by XXXX bank. I have attempted to resolve this issue with all three credit bureaus to the point where now when I attempt to dispute this account I get an automated message that says they will no longer investigate this account. I am going to list all of the incorrect information that is being reported and I am going to attach images directly from their sites that show what I am talking about. 
The first thing that XXXX is reporting is an available credit amount on a charged off account so that it will impact my overall credit usage which hurts my credit score. XXXX is reporting that I currently have a {$3000.00} credit limit on an account that has been closed for four years. 
XXXX bank is also reporting a new charge-off each month which adds new negative information to my credit report each month instead of allowing the account to age properly and therefore impacting my credit score less as time goes on. 
On the XXXX credit report, XXXX XXXX states that account was closed on XXXX. However, the payment history reports that XX/XX/XXXX is 120 days late and XX/XX/XXXX is 120 days late. It is not until XX/XX/XXXX that the account is reported as charged off. XXXX XXXX is also reporting that there was a {$3000.00} credit limit between XX/XX/XXXX and XX/XX/XXXX even though the account has been closed since XXXX. 
On the Equifax payment history, XXXX XXXX reports XX/XX/XXXX as 90 days late and reports XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as 120 days late even though the account was charged off in XX/XX/XXXX.
Product: Debt collection

Not only have I not received any information pertaining to this XXXX bill, nor was I notified that I could dispute this debt. It's also currently being reported by 2 different collections agencies on two different reports. They said the original debt was from XX/XX/XXXX. 


Both Companies are reporting the same thing below : XXXX Report Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : Avante USA Opened : XX/XX/XXXX XXXX  Report Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Opened : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a problem with my XXXX XXXX and a false delinquent payment on my account. I contacted Lowes ( the company who reported it ) they investigated and determined it was incorrect and sent me a letter that they removed it. XXXX months later it has not shown in my credit report.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX and XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX and XXXX XXXX XXXX. They also did not provide me with the original contract as requested. I would like for there to be a correction to my credit report. I demand that these items be deleted immediately. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Student loan

Used my information without my consent and wasnt aware of them making a report and my information has been used in identity theft.