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

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$1900.00} on the XXXX STUDENT LOAN partial account number XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and Bank Statement for verification of my identity so the bureaus will investigate my complaint. ) I had been diagnosed with a XXXX   XXXX and was not able to attend classes anymore. I spoke with the college administrators and explained my extenuating circumstances and provided all documentation needed to show that I no longer could attend the program I was enrolled in. I was not XXXX  XXXX  to get to the school campus and/or classrooms. My request to drop the program and not be charged was granted and the school agreed that I would not owe for the remaining time. I was assured that this account would not go collections nor would it be reported as a collection on my credit report. Unfortunately, they did not hold up their end of our agreement. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Debt collector made the following statements - There are no false statements here other than those made by the consumer. The client has reviewed the consumers claims of identity theft and have found there to be no merit. The consumer has repeatedly communicated with me via email, sending upwards of XXXX emails. It's apparently the consumer doesn't like being told that they applied for and used the funds they applied for and are being asked to repay the loan they made. We're not going to tolerate false statements being made against us. We've fully investigated this matter and find no merit to the dispute. The consumer can take the path of refusing to pay, but the facts are that the consumer applied for the loan, and received it. The consumer is likely going to send multiple CFPB claims solely because he doesn't like the idea of taking out a loan and not repaying it, and is now blaming another for his failure to repay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Debt collection

In XX/XX/2019, I attempted to open a utility account with XXXX XXXX XXXX. They told me because of my credit report, I would have to pay a big down payment in order to receive utilities. I had a roommate so she opened the account in her name. They sent me a letter dated XX/XX/2019, which stated that I had a bad mark on there and a utility debt owed to XXXX XXXX. I called XXXX XXXX to see who and what they were. They told me that I had a debt of {$94.00} for services that I had received in XXXX XXXX Florida. I explained to them that I did not live in XXXX XXXX Florida and someone must have opened the account with my name. The people used my name and Social security number to open the utility account. They did not pay the remaining balance of the debt. Now it is on my credit report. XXXX XXXX told me that the perpetrators also used my information to open an account in XXXX XXXX Florida. The perpetrators were living at an address at the active account and XXXX XXXX said that they would immediately turn the energy off. XXXX also gave me information to report the identity theft. I started the process of reporting the identity theft. Due to the holidays and then Covid 19, I forgot about the process. I found the papers in my drawer and started the process again. I called Online Information Services and they told me unless they have the police report, they can not remove the account from my credit report. I called the XXXX Kentucky Police Department and they told me to call the XXXX XXXX Police Department to make the report. XXXX XXXX told me that I needed to call the XXXX Police Department to file the report. I then asked to speak to the police chief at the XXXX Police Department. The chief department told me I needed to call the FBI to file the report. I went online and sent a report and I have not heard anything back since. I have XXXX XXXX and do not have the energy to continue this process. I called the online information services and they told me that until I get a report from the police department I would not be able to get this written off. How do I proceed from here.? No one is helping me file a report. Can your service help me to get a police report so that I can file this and get this taken off of my credit report. This is the only negative report that I have on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not my account as stated in the multiple letters they has sent to numerous addresses to avoid me disputing the account within the time provided by the FDCPA. This account was placed on my credit report knowing it could not be verified as the account was disputed in 2020 by XXXX XXXXk and was removed because the company could not provide legal verification of the debt as per the FCRA. TransUnion and XXXX removed and deleted the account and all information last. The company now has in violation of the FDCPA placed the account on my credit and refused to provide the initial letter prior to the debt being placed on my credit per the FDCRFA. Debt should be removed immediately especially if the creditor states the account is in dispute as i would have done if I received notification under the FDCPA. Creditor has only provided statement and not legal documents bearing my signature I am the person responsible for this debt. If TransUnion and XXXX  doesn't delete this unverified and fraudulent immediately, I will have to file damages under federal and state law as this is damaging my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED EXPERIAN, XXXX AND XXXX SINCE XX/XX/XXXX. NO RESPONSE. My identity has been stolen you are hereby put on notice for a second time. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) In general. Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such XXXX, be sentenced to a term of XXXX  of XXXX  years. An identification of me has been used with out my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. YOU XXXX, XXXX, EXPERIAN have aided this Fraud by not verifying these XXXX. The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable. 
XXXX Case Number : XXXX This account contains false and erroneous information. I am prepared to take legal action. I demand an immediate removal of this account. 
XXXX. Unauthorized inquiry. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX DELETE!!! 
XXXX. Unauthorized inquiry. XXXX XXXX  Date of inquiry : XX/XX/XXXX DELETE!!! 
XXXX. Unauthorized inquiry. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX DELETE!!! 
XXXX. Unauthorized inquiry. XXXX  Date of inquiry : XX/XX/XXXX DELETE!!! XXXX. The presence of this XXXX  on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. 
Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable. 
XXXX. XXXX XXXX  Account Number : XXXX The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. 
Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable. 
XXXX. XXXX XXXX XXXX Account Number : XXXX This account contains false and erroneous information. I am prepared to take legal action. I demand an immediate removal of this account. 
This account contains false and erroneous information. I am prepared to take legal action. I demand an immediate removal of this account. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX Please update the status of this account to " paid on time. ''
Product: Checking or savings account

On XXXX/XXXX/XXXX my daughter was in the XXXX XXXX. I needed to visit her so i checked my online account balance and it said i had XXXX available. It also showed a debt owed to redbox. I withdrew XXXX dollars from an atm and went on about my day. So on XXXX/XXXX/XXXX i went to another atm and withdrew another XXXX dollars for weekly expenses grocery etc. On XXXX/XXXX/XXXX i withdrew another XXXX. So on XXXX/XXXX/XXXX i stop at a convenience store to get my child some things and my card was declined. I immediately check my online account to find my balance XXXX dollars. Upon looking at the transactions i saw that it stated that there had been and in branch withdrawal of XXXX dollars. I was shocked and immediately called to report fraud. During the call i got disconnected so i went to my local branch. Once in the bank they were able to provide me with documents showing that i had withdrawn the XXXX dollars from my account on XXXX/XXXX/XXXX. I then inquired about why was the information not up to date. I also asked why my overdraft protection did not protect me. I was given the all sorts of reasons as to why its my fault that i overdrafted my account. They said they the atm lets me know before i overdraft. I explained that it was not a bank atm. So they said it was at the banks discretion so i argued that it was set up so that i can not overdraft at all. I also stated that in XXXX of XXXX i had some issues and i went to a bank atm and i would not allow me to overdraft, and that reassured me that my overdraft protection worked. So i was able to get them to reverse a XXXX dollar overdraft fee. But im still in debt XXXX dollars because of them i feel ( XXXX dollar atm withdrawal x's2 plus another XXXX dollar atm withdrawal ). So i had the issue escalated i was asked how do you manage you account. I answered i checked my blance online and called on XXXX/XXXX/XXXX to assure i had those funds. I feel that Wells fargos system error and the problems caused as a direct result of that error have cost me and thats not fair especially considering i set up features to protect me from overdrafts. And when i finally spoke to whomever the issue was escalated to they blamed it on hurricane XXXX. They did not close the bank for XXXX. I mentioned the hurricane and they spent it as excuse for their mistake. I mean if that is not a slap in the face.
Product: Credit card or prepaid card

On XX/XX/XXXX, approximately around XXXX XXXX I was informed by my roomate that our mail box had been broken into and the mail inside was torn into and opened, including a randomly sent credit card application form that I didn't ask for. The card was taken, but not the application form. 

I called the company that sent me the application form but I was told nothing can be done until an attempt is made to open an account. 

I also called the credit bruea and placed a lock and fraud alert on my accounts. 

I was not able to call the Postal services number due to it being the weekend.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  PA sold me a lemon car and never give me answer with the warranty the car month ago take it brokedown a piid with my pocket month later again coming with electrical problem and them i decided released the bank have the status how reposition but its wrong i calld significat time and never recived any answer
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have a hard inquiry on my report from a company I did not apply for.
Product: Credit card or prepaid card

I applied for and was approved for a Sams Club master card on XX/XX/2020. When I received the card I also got a letter letting me know the interest rate of 22.9 % reflects my credit score of XXXX. I looked at my score and it was XXXX. I felt why give me a {$4000.00} line with a XXXX score. I called the card and was told that score was reported to them from the reporting agency, XXXX. I called XXXX  and was told they are wrong, the bank does not get your score, and not sure how they come up with this number. I chated with the bank again on XX/XX/2020 and no help reducing the rate. Currently, my score is XXXX. 
If the bank can just make up numbers to give you a high-interest rate, how is this fair to anyone? I work hard to keep a good credit score but  what is the difference if they can just make up numbers. Is this a common practice and ethical?
Product: Payday loan, title loan, personal loan, or advance loan

The loan company is continuously calling me and harassing me for payment even though the loan is not fullfilled. They put solar panels on my house and they no longer work and the company that serviced them went bankrupt. They said they would find another company to service the panels but they have not come out in over XXXX months but they continuously won't stop calling me for payment. They also repeatedly text me. I have asked for them to not call me and they stated they were going to continue calling me anyway.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an bank account opened at XXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX, and a collection account opened at XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Bank account or service

I overdrafted my checking account at sovereign bank a few years ago on a small charge. Shortly after I overdrafted I had my wallet stolen. I had overdrafted between XXXX and XXXX dollars and now I am being called by collection agencies looking for XXXX dollars. I went in to my local ( whitman ) santander branch to resolve the problem and they were not willing to wipe the charges. I am a college student and I am struggling to open a bank account because of this ludicrous fee that I can not pay off.
Product: Mortgage

Hello. Hope all is well. I received a modification last year of XXXX for six months. My modification started in XX/XX/XXXX amount XXXX. I completed my modification in XX/XX/XXXX. SPS send me an approved final modification for me to sign and send back. I have been in contact with SPS Mortgage about the modification because I couldnt get it signed because its two names on the mortgage. SPS told me that they was sending me some new modifications paper. Everything I received the new modification both names are still on there. I spoke with a supervisor on XX/XX/XXXX considering this problem I been having. She told me to take my Quit Claim Deed and have it notarize and she will give me an extension to send the modification back. I finally got XXXX XXXX to notarized and sent it back and they told me its in forclousre because they didnt received the modification paper back. I couldnt get it said until the supervisor told me how to do it. I spoke with another supervisor on XX/XX/XXXX. That supervisor said he going to ask them reinstate my mortgage because its out of my control and I so made all my modifications payments. I did what I supposed to do. My first mortgage payment was do in XXXX. The supervisor said they should have a response within 3 or 4 days. 

Please give me a call if you need any more information. Thank XXXX XXXX. XXXX
Product: Prepaid card

Purchased a prepaid Vanilla Visa gift card in XXXX XXXX. Card didn't work and customer service couldn't help. Vanilla sent me a replacement card that didn't work. Called customer service and they sent a 3rd card that didn't work. Called customer service again and was promised a refund in 3 weeks. It's been 4 weeks and no refund. Called customer service again today. Was told I'd get a " response in 7 to 10 business days. '' It's going on 2 months since I bought the card. I need my money back.
Product: Bank account or service

Wells XXXX. Still no resolution. Wells clearly accepted a bid from an investor posing as an owner occupant. The property at XXXX XXXX XXXX XXXX, XXXX, NH XXXX was put up for sale as a bank owned property. Wells clearly did not follow it 's own advanced ownership policy and sold a property to an investor who has no intention of living at the property for the next 5 years. I bid over the asking price as a homeowner and was beat out by the investor, who by his own admission to the abutting neighbor, buys houses to fix them up and sell them. No one seems to care. It 's very wrong. This buyer should be fined and Wells should examine It 's process or remove claims of Community and Homeowner Support from it 's website.
Product: Debt collection

LVNV is a debt collector who has purchased my charged off account from XXXX XXXX and XXXX XXXX Bank. Charge off accounts are considered income and cant be reflected on a credit file. Also I didnt have any control over them purchasing a past debt and i didnt consent or have a written or verbal agreement to pay them after they purchased the debt. They are not acting on the behalf of the original creditor, nor are they affiliated with the original creditor. I have several complaints that have not been handled and this company has thousands of complaints in your database. I have also sent a letter to this collector and the Attorney General and they have yet to comply.
Product: Debt collection

I called over the phone with customer service and made a {$110.00} payment in exchange for them to delete this from my credit report and they have not removed that account from my report.
Product: Payday loan, title loan, or personal loan

I'm currently working with XXXX XXXX to help me repair my credit and reduce my obligations so I can secure mortgage financing through the VA to get stable housing for my family. I'm the primary wage earner for my household and my credit tanked when I was on XXXX for XXXX XXXX XXXX. I'm currently stressed and experiencing physical symptoms of anxiety knowing I may be going back on XXXX again. The loan I have an issue with is with Lendmark Financial in XXXX, PA. I'm being charged 25.75 % interest and have paid them over {$4700.00} in the past 15 months and only {$760.00} has been applied to principal. XXXX recommended I use the little bit I have available in my XXXX and asked for a settlement to stop their collection harassment and get on pace to get my VA mortgage. My payoff on the original {$12000.00} loan is currently {$11000.00}. XXXX, the branch manager stated that my offer of settling the debt for {$9000.00} is in line with what has been approved for others in the past. For my request, I was denied claiming they can not settle until my income is impaired. I don't feel I need to give them additional pay stubs or wait until my income is reduced to settle if they have offered settlements similar to others who are using debt relief programs. I also have been subject to arbitrary fees. When one of my two vehicles used as collateral was totaled and insurance needed my title, they were requesting I pay an additional {$2000.00} to get the title back. They agreed to me just paying an additional loan payment of {$400.00} for them to release it. 

I feel I'm being taken advantage of and want them investigated for unfair lending and collection practices.