23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received repeated daily phone calls from XXXX with " Nationwide Debt Management Solutions '' at XXXX. I spoke with her the first time she called and informed her I can not receive personal calls at work. She refused to tell me who the original creditor is. I told her if I was disputing the validity of any debt with them and she needed to send proof to my home address. I also provided her with my cell phone number. She continues to make repeated, frequent, and harassing calls to my workplace. She has contacted several of my co-workers and my manager. She has been numerous times to stop calling my place of business and refuses to do so. If someone answers and asks her what it is about she refuses to say, only stating that she needs to speak with me about a personal matter. If they say I am unavailable, she yells " RUDE! '' and hangs up. in addition, because one of my co-workers would not transfer the call to me, she called another co-worker asking to speak with their manager so she could discuss their lack of professionalism on the phone. The person who spoke with her simply told her I was unavailable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute through XXXX XXXX and XXXX to remove my auto loan Global Lending Service and even though its paid off they didnt remove it.
Product: Student loan

Edfinancial keeps reversing my student loan payment every time I attempt to make a payment. They don't notify me when they reverse my payment, nor do they give me any reason as to why it is reversed. On my bank account, it appears that they never even attempted to take out money at all ( I continually check and there's never any mention on my bank account about a pending payment to Edfinancial. Nothing at all ), even though it says " processing '' on Edfinancial. When I attempt to call them to ask the wait times are 4+ hours and you can't get a hold of anybody. And their call line is only available weekdays 9-5, which is when most people are working, so most people having this problem wouldn't be able to wait that long on the phone. I select the " have somebody give you a call back '' option but they never, ever call me back. And there's no option on their website to pay another way ( like pay-by-phone, etc ), so I really just have no way to make my monthly payment in spite of multiple attempts on my end. Meanwhile interest is still accruing. It's messed up and it still has not been resolved. And yes, i've verified that all my bank and contact info is correct and accurate on Edfinancial.
Product: Debt collection

Received a call from this debt collector. They demanded paperwork that they refused to provide and refused to offer an alternative when informed that I could not fill out said paperwork or even find it. When I requested assistance, all XXXX persons spoken to refused to provide it and refused to provide any information on any XXXX assistance. They also refused to accept proof of XXXX and refused to make any accommodation stating that the phone was breaking up on my end ( and that they had " perfect phones '' ) and they did not understand me, but responded to statements easily and only claimed phone problems when I was attempting to explain my problem with them. They also heard all other dialogue excepting what they did not wish to ( e.g. that the amount they were demanding was a fraudulent transaction ). No names were given, when I indicated that no classes were taken nor permission to initiate what the representatives called a " loan '' the statement was ignored. I stated this XXXX times. In addition, no letters were sent indicating this debt even existed or that I had the right to dispute it. All XXXX representatives also threatened ( not stated, but VERY clearly threatened ) to not only report the debt if not paid today ( XX/XX/2015 ) but that the report would ( NOT could, but would without any doubt ) prevent me from obtaining a " mortgage, loan, credit card, and even cable/satellite '' in those exact words. Finally, the recorded portions of conversations were partial and started at varying ( and terribly convenient ) times. 
The company provided only the name " Malcolm S. Collection '' and additional information was requested but never provided. I requested no further contact from them but XXXX additional pre-recorded calls were made after the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complait to you today to follow up the previous CFPB complaints that I have been submiting to fomplain regarding the removal of the fraudulent accounts and information from my Credit Report. On XX/XX/XXXX, I sent a letter addressed to the Credit reporting Agencies to remove the disuted accounts and information completely from my Credit Report in accordance with the FCRA section 605b. The Letter I sent was already my twelfth ( 12th ) Dispute letter I have been sending. But despite all the letters and efforts I excert, the Credit Reporting Agencies grew ignorant of their duty and chose to neglect their responsibility with the FCRA section 605b. I have read enough to uinderstand my rights which is clearl beoing violated by the Credit Reporting Agencies. I am now submitting this CFPB complaint for another request of the removal of the following disputed accounts and information completely from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX WY XXXX XXXX, CA XXXX 13120 XXXX XXXX # XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

XXXX XXXX  sold their accounts to Citizens and the transition is supposedly in progress. I had an XXXX XXXX account and tried to enroll in Citizens ' online banking on XX/XX/XXXX in the morning. 

The system did not recognize either my SSN, or my XXXX account number. 

I tried to call the online support line at XXXX. After being barraged with irrelevant messages, the hold time was disclosed as over 60 minutes. 

I tried to enroll again at XXXX. The system did not recognize either my SSN, or my XXXX account number. Contacted tech support. After being forced to listen to useless drivel for XXXX minutes, the hold time was disclosed as " over XXXX minutes ''. 

I tried to enroll again at XXXX on XX/XX/XXXX. The System did not recognize either my SSN, or my XXXX account number, or the XXXX account number. 

Evidently, Citizens has failed to manage the acquisition competently or diligently and as a result I have lost access to my funds ( I don't have a check book for this account, nor did I get sent one from Citizens ).
Product: Checking or savings account

Ok so I owed Wells Fargo account {$170.00}. I recently paid it off and want to reopen my checking and savings account
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a dealership and they said they wouldnt do any hard inquiries but they would be eligible to show me my credit without it affecting me in the long run. 

XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX and XXXX XXXX XXXX. # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

attached is the CERTIFIED MAIL FROM USPS XXXX. Experian is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXXXXXX 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  These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Credit reporting

I have an unknown address with a 2007 bankruptcy that does not belongto me I have never lived in California and you have an address of XXXX XXXX, XXXX XXXX XXXX XXXX, California listed on my credit report. 
Could you please help me correct this?
Product: Credit card or prepaid card

I DID NOT CHARGE ON MY CREDIT CARD.I 'M DISPUTING THE WHOLE BALANCE {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RMP Acct XXXX XXXX XXXX XXXX XXXX I had an Emergency Room visit with XXXX XXXX XXXX XXXX for an injury. Being a medically retired XXXX XXXX, I have now and did then have both XXXX and XXXX. However, the hospital did, and later admitted to, only billing XXXX, the supplemental insurance company, when they should have first billed XXXX. This error resulted in XXXX denial of coverage, the creation of a debt, and hiring of the above named collections agency. When finally made aware of the issue, in XXXX, I was assured that the issue had been resolved by the healthcare provider, and that no debt is, not ever was never due. XXXX has assured me numerous times that I have never owed them anything, that my insurance covered the visit when eventually properly billed, and have apologized for the error. I have attempted to reach the collections agency, RMP Services, on numerous occasions, with no response, in an effort that have the collections accounts ( there are two originating from the same visit ) removed from my credit reports. The account number associated with the two bills is listed above.
Product: Debt collection

I get calls 2-3 times a day from NCB MGT SRV INC with different numbers, like XXXX or XXXX. No message is left and noone speaks if I answer. 
I looked on line to determine what the letters meant and found it was a debt service. 
I do not have any outstanding debts and see no need to be harrassed by the continual calls.
Product: Credit reporting or other personal consumer reports

I spoke to XXXX XXXX from XXXX XXXX About loan options. He asked me if he can authorize a soft pull of my credit to check my options I said Yes, and i asked many times if it was a soft pull in whitch he said yes to all the times making sure, since I am a realtor and I'm familiar with credit. I asked, he then told me he was going to speak with the underwriter to check what i qualify for and he will reach out to me. Later that day he sent me a message saying that I may qualify for home refinancing in whitch I said I wasn't interest.

Next morning I started to get many calls by mortgage companies asking if I wanted to refinance my home. I proceed then to make a report to XXXX, the other credit bureaus adviced me to make a Complain here.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed some credit inquires and accounts that do not belong to me! I have filed an Identity Theft Report with Fair Trade Commission for the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have spent over XXXX total hours of phone time, 1 hour of travel time, faxing VALID documentation on a debt which needed to be DELETED from my credit file, per the request of Equifax 's supervisors. I 'm in the middle of underwriting for a home mortgage and had a debt appear on my report, which was an ERROR on behalf of XXXX. 

XXXX submitted their error and request to have it DELETED from my report, TO ALL XXXX credit agencies, Control Number XXXX on XXXX XXXX at XXXX XXXX CST. ALL CREDIT AGENCIES need to delete it from their reporting. However, I need the reporting expedited due to the fact my underwriting is happening NOW. Transunion and Experian took care of the matter within 24 hours of notification. They were both very customer friendly and understood the urgency of my request. They appeared to care about my situation and knew it was n't something I should have experienced. 

I spent hours working a circle with XXXX, their internal collections agency, and then back to XXXX. I received a letter for my lender advising this was XXXX 's error. Equifax told me to fax them the letter at XXXX. I did this at XXXX XXXX. Equifax also received the info at the same time as all other agencies. When I called, after spending an hour on hold and another 30 minutes talking to a " Supervisor, '' Equifax was completely noncompliant. They would not help me. When I asked to talk to another manager, I was told I could not. 

Every hour I spend taking care of an issue on my credit report, which should never have appeared on it in the first place, has cost me time and money. I '' m XXXX. If I 'm not in front of a client, I 'm not selling. If I do n't get this removed from my report, I lose this house, I lose {$4200.00} in earnest money, there are several people impacted from an emotional and financial situation and all because Equifax wo n't delete the erroneous information and they 've received PROPER AND PROMPT documentation. 

I should n't have to go through all these hoops, to have something deleted ... all due to an error by a company. Why is Equifax doing this and making it so difficult, when the XXXX and XXXX can do it -- with the SAME DOCUMENTATION, and they understood the urgency? Why should a consumer have such a difficult time to remove something which is n't their fault, all because a company willingly chooses to be NON COMPLIANT? 

I can not spend anymore time on the phone fighting for Equifax to DELETE XXXX from my report, this report directly impacts my credit SCORE, and I need someone to fight for my rights as a consumer. This is absurd, when I 'm doing all the right things and this situation was a billing ERROR on the part of XXXX. Equifax 's experience is leaving me emotionally, mentally, and physically distressed -- -over an ERROR. Please help. 

The letter from XXXX is attached. All I asked of each agency is to DELETE it so my lender will write the loan. Its not that difficult.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-off Report I am writing to challenge and urgently request the removal of incorrect and unauthorized charge-off entries listed on my credit report by a third-party collection agency. These entries have significantly compromised my financial status, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It is important to note that I have no contractual ties with this collection agency. Their reporting of charge-offs on my account, which I never authorized, lacks any legal basis and violates several laws concerning credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : Charge-offs reported on my credit are without my agreement, constituting a breach of the legal standards governing credit reporting. 
XXXX. **Failure to Furnish Form 1099-C** : The agency did not provide the Form 1099-C required for accurate tax reporting, exposing me to potential tax compliance issues.

3. **Privacy Rights Violation** : Reporting my personal financial information without consent is a direct violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ), which safeguards against such unauthorized disclosures.

4. **Absence of Contractual Relationship** : I have never consented to any agreement with this agency, making their report an infringement on my consumer rights.

5. **Opt-Out Rights** : I am officially opting out of all implicit permissions for the sharing or reporting of my credit information, as supported by regulations 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805.

Given these concerns, I request a prompt investigation into these inaccuracies and the removal of the disputed entries from my credit report. I expect a written confirmation of these corrections. Please be advised that I am prepared to pursue further actions, including legal remedies, to correct my credit information and defend my rights. 
I appreciate your immediate attention to this critical issue and await your swift response and resolution.
Product: Credit card or prepaid card

I took a trip abroad, I came back home and I was charged with over 100 dollars in fees. I have had Amex for over 10 years and I have never had any issues like this in the past. 

I called customer service, asked to speak with a supervisor. The supervisor was " unavailable '' at the moment to speak with me in regards to these fees.
Product: Debt collection

I was guaranteed a loan at a fixed interest rate that if I paid it off in 1 year, then I would be refunded the interest paid on the loan. 

The loan was taken out on XXXX of XXXX. I made payment until XX/XX/XXXX. I called the company and ask they take I pay in full the remaining amount. Which was less than {$800.00}. I wanted to pay in full because 1. I wanted to refund the interest. 2. I am on XXXX in XXXX. 

I was unaware that they stopped payments AND started sending late notices. They can only be contacted via phone and have not been responding to my voicemails. Every time I call, it's always busy. 

I am worried that not only did I try to pay off my loan, that they are malicious saying that I stopped paying, which would affect my credit and let them not be able to pay me back the interest that I am owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to access my data at Experian but the information they have on file is incorrect and there is no way to reach a person to get help. The computer system is unable to help but there is no option to get to a person. 
I have tried many times without success. 
It seems Experian does not have any humans that can help with issues. 
If you could help me get in contact with Experian that would be so helpful. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit report per XXXX. Im requested the verification of the inquiry and the method of verification. SYNCB/LOWE 'S XXXX XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. This account must be removed in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not block this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.