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

The collection company has illegally reported THE SAME ACCOUNT TWICE WITH TWO DIFFERENT OPEN DATES on my report which is against federal laws! 


I have reported that an investigation be done for this collection account under the name of XXXX XXXX XXXX XXXX. I've never had an account with the company nor XXXX. I asked the debt to be validated and they failed to do so within 30 days. I sent a copy of that to the 3 major credit reporting agencies and they failed to remove the account and said the account was verified AFTER i sent in all proof of this account being fraudulent. More importantly it is illegal to reage debt and list the same account twice on a report with TWO DIFFERENT OPEN DATES. I HAVE ATTACHED PROOF OF THE CPAMY DOING THIS AND THE 3 MAJOR CREDIT COMPANIES STILL DID NOT REMOVE THIS FRAUDULENT COLLECTION ACCOUNT
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was alerted via email about a XXXX  transaction for {$190.00} sent to an XXXX XXXX on my device. As I go to open the email I receive a second email for a transaction of {$95.00} to same person. So I quickly open my Wells Fargo app to double check and sure enough I have some fraudulent activity on my account. I instantly contact Wells Fargo 's Fraud Department to report the transaction. The gentlemen over the over quickly closed and canceled my old account and opened me a one. He claimed the transactions were still pending and he would put a hold on them until further investigation. I told him no investigating needed, because that's the reason why I'm calling you, to report this fraud. He proceeds to give me a case number and tells me I should recieve my money in about 5 days. It is now XX/XX/2022 and no email or phone calls from Wells Fargo. So I decide to call and check up on the status of the case. Over the phone with representative XXXX, he takes down my information and looks into my case. He eventually tells me the case isn't in my favor and that the transaction was completed due to authorization even though I called a week earlier telling them I did not authorize it. I explain to the gentlemen what happened and he says there is nothing the bank will do about the situation. Stating regulations and laws that protect the bank, he claims no fraud was committed but I should have my phone checked because it could have been hacked! And if I have nothing else to say then he has completed his call with me. Tells me sorry for the loss of money.
Product: Student loan

I have tired to get my loans permanently discharged due to my XXXX  XXXX  which basically bars me from a career in my field. I had asked when I applied at the college if a career would be possible with the XXXX  and was told yes. I have not been able to find gainful employment since.Over 10 years out of college. I have debt from XXXX XXXX University   XXXX, The University of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have been sued for loans I don't think I even own from XXXX XXXX in XXXX County. I just got a letter from Student Loan Deptartment from the US Department of Education stating I owe {$170000.00} with interest of {$48000.00} and fees of {$27000.00}. I had filed for a discharge years ago and have never received an answer to having XXXX  for a loan discharge before I ever went to college. They have also taken the loans off my credit report and then relist them under new names for the same debt. They are getting ready to try this again.
Product: Credit card or prepaid card

i called today and was put on hold endlessly as i did yesterday in the last week i charged XXXX dollars or so XXXX XXXX i was overcharged. they were supposed to adjust price and did not please dispute XXXX  dollars which represents how i was overcharged wrong prices they are not following policy i am a good customer and cant wait on hold forever i should get soemthing for my time. i told reps i could not hold thanks. 
They are with heavy accents hard to understand did not understand me please dispute XXXX dollars from XXXX XXXX charge
Product: Credit reporting, credit repair services, or other personal consumer reports

They reporting account that can't prove my original signature. Have not hear back from them. And sent them a 609 form. XXXX XXXX 3 times and XXXX XXXX XXXX that I did not even apply for inquiry
Product: Debt collection

My complaint is due to the neglect of the FCRA of 1970XX/XX/XXXXby the company XXXX in reference to my credit report. The company neglected the following two stipulations by this act.

1. Furnishers must also notify a CRA if the information is being disputed, if an account is being closed and if an account is delinquent. There are special considerations for financial institutions who must also notify the consumer within 30 days if they are sending negative information with regards to delinquent accounts to a credit reporting agency. 
2. Every collector must send you a written validation notice telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you dont think you owe the money
Product: Mortgage

I am in the process of refinancing with quicken Ioans, it 's been over 45 days and still do not have a closing date. They keep giving me the run around and its been nothing but a headache.
Product: Credit card or prepaid card

I used Capital One 's VentureOne to transfer XXXX miles to XXXX XXXX XXXX on XX/XX/2020. The transfer should be instant but the website does say it might take up to 24 hours. 3 days later and the miles have not shown up in my Aeroplan account. I've called the customer service line multiple times but they do not understand and either can not or will not remedy the situation. As it stand, I am out XXXX miles currently.
Product: Credit card

On XXXX XXXX, 2016 I initiated XXXX balance transfers with American Express. Money was successfully transferred to one bank ( XXXX ), but the second transfer was unsuccessful ( XXXX ). American Express transferred {$1000.00} to XXXX and these funds never posted to my XXXX XXXX credit card. I have waited and waited, and inquired continuously about the funds. Each day, I am told ( by AMEX ) that the check has cleared and XXXX is responsible for the missing money. 

Since AMEX insists that the check cleared on XXXX XXXX, I drove to a XXXX branch thinking I 'd be able to clear up the misunderstanding in person. The problem was still not resolved, as XXXX insisted that all they could do was call their " credit card department '' and inquire. On that day, XXXX said that they do not accept electronic transfers and that they are not holding the money. I phoned AMEX with the new information, but nothing happened. In fact, they 've claimed on two different occasions that they would open an investigation and have not followed through. After supposedly opening the last " investigation '' or trace, I was told that there would be no further investigation because the check was showing in the system as cleared. With each call, however, no one can find any disputes or open investigations on my account. Please note that they have also disabled the " online dispute '' feature for this issue as well. After nearly a month of this back and forth, getting transferred from one department to another, and hung up on, I have decided to file this complaint. 

I have called XXXX and American Express everyday with no resolve. I have asked AMEX to confirm receipt of the check by communicating with XXXX. They insist that the receipt is the fact that the check cleared. As well, I have asked XXXX why they have n't notified AMEX, with regards to not accepting this particular electronic transfer. They insist that I must ask AMEX to trace the funds with their bill pay department. After repeated calls to both companies and no help, I would like to hire an attorney. I am beyond frustrated. Unfortunately, I am caught in the middle of two corporations that rely solely on computers and foreign call centers for all their work.
Product: Debt collection

I was told I was delinquent on rent and that I owed money for damages and cleaning fees from an apartment complex, XXXX, which I lived in last year. On XXXX XXXX, 2015 I provided the collections company, U.S. Collection West , Inc., a receipt from every month I lived there, showing that I paid rent every month. On XXXX XXXX, 2015 I asked them to not contact me regarding that debt since it is not valid. On XXXX XXXX, 2015 I received another letter from them dated XXXX XXXX, 2015 again asking me for money which I do not owe. Additionally, they contacted an associate of mine asking for my phone number, telling her they were calling from a collections company.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of this year, I requested and was denied a loan through NetCredit. I am not disputing being denied a loan then or a recent application in XXXX XXXX. 

On the site there is an option to be removed from partner solicitation and the submit button is faulty, I asked for more information on how to be removed from partner solicitation. When I pressed the submit button it ask for a second step that was not available on the website- it asked to complete a recaptcha option that was not listed anywhere on the website. 

Additionally, I went on the website and attempted to remove my personal information including my bank account details. The website posted the phone number to change bank information. When I called the number, I was instructed that it was impossible to remove the personal bank account information from the website. 

As I was uncomfortable having my personal banking information on the website, I asked for my entire account to be closed and they outright refused.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX Inquiry : XX/XX/XXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

The SBA approved my business for a loan in the amount of {$13000.00} that was disbursed on XX/XX/2020. The funds were sent to Bank of America erroneously however to date Bank of America has not returned the funds back to the SBA. I've contacted Bank of American numerous times requesting to have the funds returned to no avail. I've also contacted the SBA for help in this matter ; unfortunately the SBA was unable to contact Bank of American on my behalf. I have attached a copy of my loan agreement as well as communication that I received from the SBA legal department. I am reaching out for help in this matter because my business is still responsible for repaying this debt that interest is accruing every month while Bank of American is holding on to the funds while my business is in desperate need of the funds. I thank you in advance for your help in this matter. Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION continues to report a collection account on my report despite of me disputing it for the third time now. The collection account has many inaccurate information thats being reported. I also requested method of verification and got no respond. Collection agency reported account account without contacting me and said it can not be disputed. Collection agency also re-aging this account
Product: Debt collection

Since XXXX, after I returned from working over 3 years in XXXX, I have been trying to resolve an issue of Asset Acceptance Corporation, LLC to stop reporting a fraudulent account on my personal credit report. I tried yet again in XXXX of XXXX to which a dispute was filed at the credit bureau 's and the company is still refusing to stop reporting this fraudulent account by simply stated that they verify that they account is mine when the originator of the account which is XXXX has clearly stated that this account that they are referring to does not exist and that I do not owe them any money relative to they account that they are claiming that I owe. 

I have tried contacting the company previously and presently tried to contact them again using their number listed on my credit report but the number does not work. XXXX stated that they have no such account for me on file and that I have no outstanding balances and they just issued me a new credit card just last month. How can I have XXXX credit cards open for the same company especially when I settled on XXXX before? You can only have XXXX personal credit card open with the same company respectfully. Asset Acceptance Corp, LLC is intentionally hurting my credit score and they need to stop it immediately or I will try to sue this company.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the credit reporting agency Transunion for failure to comply with the provisions set forth in Section 611 of the Fair Credit Reporting Act ( FCRA ). XXXX has reported incorrect information on my credit report, and despite my efforts to rectify this error, the agency has failed to fulfill its obligation to investigate and correct the disputed information.
Product: Payday loan, title loan, or personal loan

I just joined navy federal through my niece And now I see all of our account have been frozen. XXXX my niece and my sister XXXX tried to use their checking line credit to do repairs and purchases and tried to write a check but were told that they used the incorrect check that belonged to a closed account. So my niece asked can she transfer the funds to my account since she could n't transfer it to hers or her mothers since they are getting ready to close in a house and ca n't have any credit or loan put into their account. She transferred the funds to be but shortly after all of our accounts were frozen. No call to use to confirm anything. They just closed everything down. I have an auto loan and credit card and checking account. How could they do something like this to our family? Especially my niece who always suggest navy federal to everyone.
Product: Debt collection

I have disputed accounts # XXXX, XXXX, XXXX, XXXX, XXXX with Medical Data Systems, Inc on XXXX/XXXX/2016 and I sent my dispute certified mail requesting validation of this debt. Medical Data Systems failed to provide me with a copy of any viable evidence, bearing my signature instead they send me a copy of itemized billing statements that is a HIPAA violation. A second certified letter was sent XXXX/XXXX/2016 and only XXXX removed all accounts, XXXX still reporting XXXX ( XXXX ) account and XXXX still reporting all accounts as accurate. A third certified letter was send XXXX/XXXX/16 and today I received a letter that is attached above. 
They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove these listings from all the credit bureaus. If you refuse, I will take legal action immediately!
Product: Credit reporting

I have disputed XXXX XXXX XXXX with Experian on several occasions due to the numerous errors reported. Most recently, I checked the update of the last dispute to find that not only was the same information there, but that they are now being listed as a Collection in XX/XX/XXXX and XX/XX/XXXX. This account was paid off in XX/XX/XXXX. I called and spoke with an Experian representative on XXXX/XXXX/16 to find out what was going on and was told that this was the information reported from XXXX. I asked her how it could possibly be a collection in those months when it clearly stated it was paid and got the same response of how they can only report what they are sent, essentially making their " investigations '' irrelevant if all they are doing is reporting what they are given without actually reviewing it for accuracy. Since this call to Experian was made after speaking with the representative from XXXX, XXXX XXXX, I already knew that their stance is going to be that they provide the correct information and it 's the CAs that report it wrong over and over.
Product: Student loan

Student Loan Servicer, Mohela, Improperly Recalculated My Payment and Changed My Payment Plan Mohela improperly changed the repayment plan and repayment amount of my student loans upon receiving them from XXXX XXXX. Mohela wrongly assumed that my recertification deadline was missed because Mohela does not have any information regarding my successful IDR recertifications since XXXX, Mohela confirmed that they do not have information regarding prior successful recertifications from XXXX XXXX after XXXX. It is unknown why and the extent to which Mohelas information regarding my loans is incomplete. 

I received a letter from Mohela in which Mohela incorrectly states that the monthly payment amount for my income based repayment plan changed because I did not renew my prior IDR plan. Mohela also incorrectly states that my repayment plan has changed because I did not renew my prior IDR plan. 

I have been on the Income Based Repayment plan continuously since XXXX and have never missed a recertification deadline. My last required certification was in XXXX. The Cares Act paused all recertifications after XXXX, XXXX XXXX. I was not required to recertify in XXXX as my recertification date was XX/XX/XXXX which fell after the enactment of the Cares Act. I recertified prior to the deadline in XXXX and received confirmation from XXXX on XX/XX/XXXX ( see attached photos of XXXX letter confirming recertification in XXXX ). 

The Department of Education explicitly states the earliest you are required to recertify is XX/XX/XXXX. You wont be required to recertify before payments restart, and the earliest you could be required to recertify is XX/XX/XXXX. You may still see a recertification date that is earlier than XX/XX/XXXX on your account Aid Summary. We are working to get those updated, and we thank you for your patience. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. 

https : XXXX # when-to-recertify ). 

I have not been required to recertify since XXXX and the earliest date I will be required to recertify given my last required recertification date of XX/XX/XXXX will be XXXX of XXXX given the language of the Cares Act If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

My experian account has been compromised despite me having a freeze and pin on my account. Experian 's technology is compromised and hackers are able to steal accounts without any passwords or pins. How is this legal and no concern on their end and they suffer no repercussions? I need access to my account in order to open a specific line of credit I need. I am no longer able to log on or have any access to my account. I tried contacting Experian 50+ times via 4 different phone numbers and their automated service hangs up on you and does not recognize me since the hackers changed my information. I am baffled how this is possible and they need to do something about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to CitiBank for a XXXX XXXX XXXX. The letter of denial is 100 % lies or incorrect information. They say XXXX  is saying all that ; however, XXXX and XXXX  don't have a direct person that can help me. I also have a XXXX CitiBank Visa. I have 100 % payments on time record. My score with Equifax is XXXX! 
CitiBank is falsely saying : XXXX. I have filed a bankruptcy, I NEVER HAD! 
2. CitiBank says I have existing and previous accounts with XXXX that have a history of late payments ; this includes credit cards.

3. The credit privileges on my existing accounts ( s ) are currently restricted. 

All of the above reasons are all false. CitiBank says the information is based on XXXX XXXX XXXX 2002, XXXX, TX XXXX. I have tried to contact XXXX and Experience ; however, they are not reachable. I've even tried to contact corporate, XXXX XXXX XXXX. And when I requested a report, XXXX told me I have already a login. I tried to login and they told me it was incorrect. I requested the password and login, but XXXX never sent the email I gave them XXXX.
Product: Credit card

dispute an ongoing issue with the handling of my dispute related to two transactions charged to my account on XX/XX/year>. The total disputed amount is {$1400.00}, which was mistakenly duplicated by your team in the dispute process. To clarify, I made two separate transactions of {$1400.00} each, which were for the purchase of a total of XXXX tickets. 
Instead of disputing the correct transaction, your team disputed both transactions for the same amount, thereby complicating the matter further. 
For the past two years, I have made numerous calls to your customer service department to resolve this issue, yet there has been no resolution, follow-up, or proper documentation provided to me. Additionally, I have requested the manifest that should detail the flight information to demonstrate that the flights in question were not completed, but I have received no clear response or follow-up emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Affirm Loan XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with a collection and inquiries I did not authorize and they are fraudulent, please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a home loan and my agent informed me of collection accounts which I was unaware of. After looking over my credit report I noticed these charges did not belong to me nor did I recognize any of them. Someone has used my information illegally to obtain credit such as a rental property from XXXX and credit cards from XXXX. I also see medical collections from XXXX  and XXXX when I have insurance and haven't needed any medical care in over 7 years. Please I need your assistance in getting these accounts removed to proceed with home buying process.