23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ehanced Recovery Company, LLC has been contacting me repeatedly, XXXX, XXXX times a day, calling and hanging up. Calling and hanging up. They leave a message and then they call back. They never have anyone on the phone. Every time I attempt to answer the phone, the other side hangs up. Its very aggravating, as they call me while I 'm at work, and they just call and hang up.
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Please delete all other addresses. I can not receive mail or any correspondence nor do I have access to any other address. Please delete outdated addresses and update the addresses with the ones above. 

My only Phone number is XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

See attachment.
Product: Money transfer, virtual currency, or money service

My phone was stolen and sim card was removed, my phone was found and get on it an cash app ( which I was get direct deposit from my to cash app ) my money was gone an send out. I reported my cash app card stolen and they cancelled card send me a new card and as soon as I activate new card ( cerebral ) which I wasn't sigh up for take XXXX dollar out of my account on a new card lol cash app has did nothing they haven't blocked not one place I've ask them to that trying or has took money out with out my authorization authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX to notify them that I would be late on a payment due to a personal emergency I was going through. I called XX/XX/XXXX and XX/XX/XXXX. The rep that I spoke to assured me about 10 times that I would not be getting a 30 day late notice on my account. Today I woke up to a 30 day late notice on my account. I am in the process of trying to buy a home and this has destroyed my credit score. 

XXXX falsely informed me that I would NOT be getting a 30 day late notice. The representative I spoke to today said she listened to my calls and it seemed like a miscommunication on the reps end but refused to remove the 30 day late notice from my credit report. 

I asked for the call to be sent via email for proof that they lied to me and I was told I needed a subpoena.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I had fraudulent accounts on my report. Please remove these accounts they are hurting my ability to obtain credit.
Product: Student loan

I co-singed on a Sallie Mae loan for my son while he was attending XXXX University. He has struggled to find a job after XXXX and we were allowed to set up his loan on a loan modification program. Payments were set up on a direct debit out of his account. After 4 or 5 months the direct debits stopped. After calling and inquiring why this was the case we were informed that they had removed him from the program because " he was enrolled in school. '' He has never been enrolled in school after XXXX. For the last 6 - 8 months I have been calling Sallie Mae and fighting to reinstate his loan modification. Each time I all I am assured that he is still in the program, they do n't understand what happened, they need to research the problem, and someone will call me back. This never happens. Sallie Mae has a record of all of my phone calls and they know exactly what is going on yet they refuse to honor their commitment and follow through on the loan modification program they set up. This is affecting my credit and my sons.
Product: Student loan

For over 2.5 years I have been trying to get FedLoan to correct my payments for the PSLF program without any success. They payments have been incorrectly not counted after multiple attempts at resolution. Finally the counts were corrected, the issue is that I could have applied for PSLF in XXXX/XXXX XXXX XXXX, but the payment number was not corrected until late XX/XX/XXXX. I received a payment count update in XX/XX/XXXX which was missing around 17 months of payments. I then received another updated payment count in XX/XX/XXXX, showing the correct number of payments after almost three years of regularly communicating with FedLoan and getting nowhere. 

After all of that, they forgave one of my loan sequences, but then " inadvertently missed '' ( their words ) the other two large loan sequences for no reason. They simply didn't process my other two loans and have done nothing to ameliorate the situation.
Product: Credit card

I had closed my Macys credit card years ago because of high interest rates, so I currently do not have an open account with them. I received multiple emails stating my email had been changed on my Macys account, my shipping address had been changed and that two purchases totaling nearly XXXX had been charged on this card. The purchases were for two diamond rings for men, XXXX gold rings. At the same time my husband who has a discover card was receiving the same emails on his fraud messages for his discover about purchases thru Macys. It appears that someone used my husbands discover card account to open a guest Macys card and use my name, change the shipping and email addresses and charge these purchases. My husbands card had to be shut down and will be automatically refunded, but I have to wait to have macys receive their product back and have that money credited to that account before my credit is resolved. This affects my credit score.
Product: Credit card or prepaid card

To Whom It May Concern : Im writing this letter to express my gratitude as a long-time customer of Capital One and to discuss a concern regarding my account. Specifically, I would like to discuss an item posted to my credit report regarding this account and request that it be revised. I would like this item to be removed as it as be on my credit report for XXXX plus years and I would like it dropped.
Product: Debt collection

This specific debt collection agency ( United Accounts ) is refusing to  provide validation of the debt owed and the origin of the debt. I've sent numerous certified letters and my attorney has tried to obtain validation of the debt. The company is refusing to provide the information nor are they returning calls. They are claiming that I owe over {$8000.00} which they're reporting to mine and my husband 's credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This reporting agency received a request to suppress ALL information. The following information is to be suppressed until further notice. 

- XXXX XXXX Report - Any Address - Name or Alias - current or previous address * I requested no information be provided since I was a victim of possible identity theft and data br
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I submitted paperwork for a loan modification on my home. All paperwork was excepted. I was then told that all that was needed was my bank statements. I sent the statements four times on the fourth time I was told that the statements was excepted and that it would be added to my modification package. I received a letter from the company ( Salene Finance ) on XX/XX/XXXX that I had until XXXX XXXX, 2015 to have all paperwork in. I called Salene and was told the sale date ( XX/XX/XXXX ) was placed on hold because of my being in the modification.I called three times XX/XX/XXXX to check on the modification and was told that it was being reviewed or that it was in under writing. I received a letter on XX/XX/XXXX and was told by a foreclosure Attorney for Salene that the house was sold on XX/XX/XXXX. I have not heard from salene as to what happened with the modification. I am now being evicted from my home. the home was sold back to salene. 
I want to stay in my home I have been in this house for 9 years, I would like to have the modification that was promised to me. The have offered cash for keys XXXX and 30 days to move. I am XXXX and have no where else to go. 
.
Product: Credit card

On XX/XX/2016 I purchased a couch from XXXX, and on XX/XX/2016 the couch was returned. The couch contains 90 % polyurethane foam which contains XXXX toxic chemicals, and I am extremely allergic to the couch. 

I contacted discover regarding the situation, and discover provided me with credits. On XX/XX/XXXX Disc. Reversed the credits stating they had contacted the vendor, but the vender never responded to Disc. I provided Disc. With a copy of the email from XXXX stating they would refund the money, and still nothing. 

So now I have no couch, and I am out {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please validate this information and provide me with copies of any documentation associated with these inquiries, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 





XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   declines to remove these unauthorized inquiries ... creditor stated that their company could not remove and apologized for the trouble .... 

Transunion is no better ; they have 11 unauthorized inquiries that they decline to remove ... and will not forward me any documentation bearing my signature ... creditor stated that they have no power and do not encourage bureaus to keep reporting unauthorized inquiries ... 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A XXXX transaction was made! After a scammer stole my identity pretending to be a credit repair agency! He logged into my account and transferred himself XXXX dollars! In to payments of XXXX dollars! When I filed a claim for fraud they said they couldnt help me. Get my funds back! That I had to contact XXXX directly! XXXX told contact the bank! Between 2 weeks of total disappointment with no solution u was told they couldnt help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from purpose financial that was not authorized.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit file, I found the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/scrub>XXXX XXXX XXXX- Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX - Date of Inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX- Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX - Date of Inquiry : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # : XXXX FCRA Section 611 requires that information be accurate and verifiable. Credit report shows {$0.00} for monthly payment and balance. If the account was active and had payments or balances, reporting {$0.00} might be incorrect. Accurate reporting of balances and payments is essential under the FCRA. Under this FCRA laws I demand this inaccurate account be removed immediately for reporting inaccurate information on my credit report and I demand a written letter once this account is removed.
Product: Credit reporting or other personal consumer reports

I had spoken with XXXX ( XXXX XXXX ) today. Their reason for not honoring my fraud dispute with police report, fraud affidavit, etc. was not sufficient enough. As a result, I settled the account to get it off my credit report. This dispute has gone on long enough. Im ready to put this behind me.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft, which has resulted in the unauthorized addition of fraudulent accounts to my credit report. Under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts : 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 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: Money transfer, virtual currency, or money service

on XX/XX/24 Capital One is engaged in violation of Federal Code 229.10 and sending messages on my email that the money was ready to transfer.Pursuaint to four previous claims XXXX XXXX. Capital One Is retaliation for complaining about theur policies.
Product: Checking or savings account

On XX/XX/20 I ordered a " bill pay '' from the bank of america website. This order shows a completion date of XX/XX/20 or in their words " processed. Now on XX/XX/20 nothing has been removed from my account, the balance is the same. The order is designated cfm # XXXX in the amount of {$840.00}. Also cfm # XXXX and cfm # XXXX. None have been completed. I wish to close this account with no penalties or fees and the bank is dragging its feet. There is also the matter of {$3000.00} in a credit card account they haven't released. I thought the CFPB was formed to regulate these thieves. You have a long way to go.
Product: Student loan

Nelnet continues to return payments even though my bank account has the amount to cover the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank XXXX XXXX XXXX / XXXX $ XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX / $ XXXX XX/XX/XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX and XXXX / XXXX / {$420.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX XXXX XXXX XXXX XXXX Bank / {$250.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have 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 : also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

There are unauthorized accounts on my credit report that do not belong to me. I believe these may be due to identity theft or fraud.
Product: Checking or savings account

Contacted Bank of America in XXXX to advise we are being billed " Account Analysis '' fees for " Full Analysis '' checking accounts with XXXX. After advising Bank Of America that we have not used XXXX  for over a year and that our business accounts should be setup as business advantage instead of Full Analysis, I was told they would resolve this by changing accounts to business advantage and credit back the fees. 

We have 5 checking accounts with them. I advised we don't need that many accounts and I would be glad to consolidate some of them but was told it would not matter as they are all part of same relationship. 

I have had several email and phone exchanges asking for status updates. I have called their general customer service number and was told the fees would be refunded. Its been more than 7 months without this being resolved. 

I also learned that a PPP loan did not qualify as a credit or lending relationship and that I would have to open an additional line of credit / credit card if I wanted to have wire transfer fees waived which I applied for after learning of this. 

XX/XX/XXXX - Emailed my account management team about excessive fees totaling approximately {$500.00} and that we are not using the XXXX service and need it cancelled. 

XXXX - XX/XX/XXXX - I called their general customer service line and was told they were escalating the case and putting a request in for fees including XXXX. 

XX/XX/XXXX - They emailed me back stating the refunds are still pending. 

XX/XX/XXXX - They again emailed me stating the refunds were still pending. 

XX/XX/XXXX - I replied to the email that they are still charging me the fees and I had noticed new fee charges. 

XX/XX/XXXX - They credited back the fees charged on XX/XX/XXXX but none of the fees before that. 

XX/XX/XXXX - I emailed my account managers stating the credits were not processed. I have not received any response or follow-up. 

I am attaching one of the email chain threads to this complaint. 

Total fees were {$2900.00} for several months. 

The amount Bank Of America has yet to credit is {$2200.00}. They should have the case details as I had opened at least 2 cases about this, one with my account management team and then one with their general support team.
Product: Debt collection

SIMM ASSOCIATES has been calling my phone for months and never leaves any message except this last time on XX/XX/2018 wanting me to call back at XXXX. This company is illegally " Caller ID Spoofing '' meaning they randomly show in your phone a local number which belongs to someone else. The number changes with each call.
Product: Checking or savings account

Someone with possible subscriptions in my name are illegally drafting my account. My efax account is XXXX I was drafted XXXX illegaly and XXXX illegally XXXX XXXX XXXX XXXX XXXX prime illegaly and so e others when I cancelled in the trial period time frame. My efax number account is still active XXXX. There might be another one in my babe trying to draft a chime card of mine which is not the card on file. Or a payroll company illegaly drafting or trying to access my account. Labor finders XXXX Al people ready XXXX Al or XXXX Al or at XXXX XXXX XXXX Al possibly volunteer s misusing my identity.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I notice an incorrect public record on my Experian Credit report. XXXX XXXX XXXX, Record type Bankruptcy : XXXX Files Original Filing date is XX/XX/2024.
Product: Credit card

On XX/XX/XXXX, I reached out to Navy Federal Credit Union to dispute a company called XXXX XXXX XXXX XXXX because they had authorized my card for an amount that I did not give them authorization for. They also had no proof to backed up their claim. I sent all the information over to Navy Federal. On XX/XX/XXXX, Navy Federal closed the case saying that I had not sent over information as of a certain date, which was not true. I sent over all the information when I initially filled the complaint. 

I have also included the complaint that I made towards XXXX XXXX XXXX XXXX  : I talk with XXXX and told her that this was not the curriculum my XXXX  I needed and I told her I did not want to continue the program. She told me I had an appointment and since I didn't cancel within 24 hours it would be a {$50.00} fee. I told her ok. I didn't have my credit card at the time. She called me and asked for my credit card the very next day. I told her I didn't have it at the time. She sent me a form in my email for authorization of my card. I filled it out around XXXX XXXX. Around XXXXXXXX XXXX she charged my card for {$120.00}. I tried to call her when I saw the charge, but they closed at XXXXXXXX XXXX. I waited the weekend to ask XXXX why did she charge my card for that amount, she said I missed a section in XXXX, I told her we had not missed no sections and I only authorized her to charge my credit card for {$50.00}. She then stated that my credit card decline for XXXX, but did not have any proof. I told her we had been back twice since XXXX and it was never mentioned and I did not give her authorization to charge my card for that amount. She said when you signed the authorization form, I did! The authorization form had no amount on there. I asked her what was the last four off the card or could she show me proof and she said No!
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were victims of identity theft in 2017. We then froze our credit and placed a fraud alert on our credit. Now my wife and I are applying for a mortgage but after talking to all 3 credit bureaus they have assured us that all freezes and fraud alerts are off but only XXXX did what they said. XXXX cleared my wifes but not mine. Equifax assured us that they took them off both but today we tried to get reports again and were not able too.
Product: Credit reporting or other personal consumer reports

I received a telephone call asking me if I applied for a XXXX XXXX Credit Card on XX/XX/XXXX. After reviewing my Transunion Credit Report, I also see other inquiries I did not authorize : XXXX XXXX  Credit Card on XX/XX/XXXXXXXX XXXX XXXXXXXX inquiry for XX/XX/XXXX XXXX Card XX/XX/XXXX