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

There are 13 accounts on my credit report that do not belong to me I am getting harassed by collections and other companies for these accounts. I have opened a dispute with all three bureaus as well as consulted the furnishers that these accounts are in no way mine I need them removed asap. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Debt or credit management

In XXXX someone other than me set up a line of credit in my name for {$350.00} and still had a balance of {$70.00} unpaid. I tried to find out some information about it and called 3 times. Every time the person I talked to was rude and didn't want to help and didn't seem to care. The last time the guy was rude and hung up on me.
Product: Student loan

I am a recent graduate of an Interpreting program and have currently begun working within my field. Accepting a position in my field resulted in a financial gap in my salary ( I took a XXXX % pay-cut from my last XXXX job ). Upon contacting my private student loan provider I alerted them of my financial change and requested other payment options. They refused to work with me in order to find a suitable repayment plan. I have been paying back my private loans since I was in college, never missing a payment, and their only solution to my financial situation was to allow my private loan debt to go to collections. I refuse to accept that they are unwilling to extend the term of my loans, making payments affordable for me. I understand fully that I am responsible for paying back my student loan debt and I am not trying to justify not paying what I borrowed. I am simply making a minimal ( entry-level ) salary and am need assistance on repayment plans. If my private student loans provider extended the term of my loans, my payment would become affordable. They have refused to do so because my total debt is {$2000.00} less than the acceptable amount of debt a borrower needs to extend payment terms. I graduated one year ago, and am finally perusing the career I dreamed of in college. Now my student loan providers have suggested I quit this job in order to work at a restaurant so I can make ends meet on an unfairly large monthly student loan payment. They are making it impossible for me to continue working in the field, that I went to school for in the first place, in order to obtain a higher paying job to pay them back ( at 10 % ) for the education I will not be utilizing. I ca n't believe that any student loan provider would refuse to give their borrowers alternative payment plans. I am simply looking for accommodation for entry-level salary borrowers that is fair.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports and I spotted unauthorized and fraudulent inquiries. I have not initiated any transactions with these companies.
Product: Mortgage

I sent an email to our account relationship manager, XXXX XXXX, on XX/XX/XXXX requesting a copy of the amortization schedule that matches the amortization table in the loan modification schedule on page 9. Per the loan amortization schedule and mortgage account statement, principal balance is {$570000.00}. The table in the loan modification on page 9, principal balance is {$530000.00} from XX/XX/XXXX to XX/XX/XXXX.
Product: Debt collection

I contacted Aargon Agency INC on XX/XX/year>, at XXXX am to receive documentation of ownership of debt I seen on my credit report for {$280.00}. The lady whom I spoke with told me she would not be able to send out any proof of ownership which violates the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit card or prepaid card

I am filing this complaint in regards to my credit report. Grain technology has reported my account past due even though I have paid my account off. I also disputed a couple of late payments that they reported to my account. When I reached out to the company I was told their was a system error that could have led to my account being un linked to their system. I explained due to my history of on-time payments today report those payments not late and requested a one time payment link to pay off my balance to avoid any more late payment charges the balance for this card was paid off on. XX/XX/2023 yet I received a dispute result from Experian XX/XX/2023 stating that I was 90 days past due on the same account, today I received correspondence from the company stating I had a balance of {$12.00} whereas they reported to Experian I had a balance of {$870.00}, I believe this is unfair and fraudulent against my credit account
Product: Mortgage

Trying for two years for modification. Turn down four times first time not enough money, sec time to much money, third time not XXXX days late, the last not enough money and I got XXXX days late. They took 4 months to tell me this, and I gave all doc. They ask for. I want to keep my house. I had XXXX hardships a XXXX XXXX and loss half of my income. They just play a game with u and string u along.
Product: Credit card or prepaid card

I've tried to call many times in the past but simply am not getting anywhere. I have a United Mileage Plus Card with Chase and should be earning mileage for my United frequent flyer program. However of the XXXX miles earned so far, none of them are being transferred to my frequent flyer account and thus I don't have access to use them. I called Chase today and they verified my frequent flyer account number and my email address. I was assured that if both of those were correct then the mileage would transfer over, they then proceeded to put me through to United, who then explained that they see no transactions for incoming mileage and confirmed that I don't have a credit card account attached to my account. The operator then connected us both back to Chase where I was given the excuse that their system was down. This was my latest attempt on XX/XX/2020 as I need to access the miles now for travel. On the Chase app from my phone I can see that I have a balance of XXXX miles that have not been credited, with the note that it will be credited on the next cycle. However the mileage hasn't been credited in many years. I've made several phone calls between the two companies over the past couple of years, but they have not been able to resolve my issue.
Product: Credit reporting or other personal consumer reports

national credit adjust account # XXXX, is reporting a date of last active on XX/XX/XXXX on XXXX and on XXXX its reporting the same account # XXXX of a last active date on XX/XX/XXXX, and XXXX dont have no repot of it at all please remove and delete from my report national credit adjust account # XXXX, from all of the credit bureau XXXX cause its hurting my chance to get a loan thanks
Product: Credit reporting or other personal consumer reports

Two years ago i was the victim of Identity Theft. I placed alerts with all three bureaus. Over time, multiple accounts with balances owed started appearing due to the ID Theft. XXXX and XXXX were great and quickly resolved the issues. I have had nothing but issues with Experian. There are almost 30 inquiries and a collections account waypoint. Ive disputed it over and over and the company certifies the information as accurate and Experian leaves it at that. Ive talked to the collection agency and its from utilities that were opened in my name at an address that I have never been associated with in a town Ive never been associated with. Different phone number everything. So I cant understand why information would be certified and why Experian would think its correct. Whats worse is I was in the middle of getting an auto loan and the fraud alert caused issues. I made attempts to remove it with Experian and they fought me and made the process extremely difficult. So they wont let me remove a fraud alert but fail to take action with it being on my report. This collections accounts and inquiries were removed by the other bureaus and my score with them is almost XXXX points higher than it is with Experian
Product: Debt collection

I do not recognize how this account is reporting on my credit report, I do not recognize the account number, the account status, the account high balances, nor do I recognize the late payments associated with this account, Portfolio Recovery Associates , LLC ( XXXX XXXX XXXX, XXXX, VA XXXX ), In the amount of {$5500.00}. I need the documents from this account with my signatures, from this company. Everything reported here does not meet the FCRA, through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. I appreciate your efforts in this matter and look forward to your response.
Product: Credit card

I called Chase Sapphire credit card repeatedly about how to get a refund. I spoke with Dispute and Customer service dept. I was told different information by every representative I spoke with and they kept transferring me to the other dept. I was told to file a dispute and cancel it once the merchant responded. Then I was told I received the refund, then I didn't receive the refund. A few weeks ago, I was told to reopen the dispute. Today, I was told I wasn't supposed to cancel the dispute and disputes can't be reopened. Also, it didn't matter that a Chase rep told me to cancel the dispute and didn't tell me the funds could no longer be refunded. 
When I contacted the merchant.They repeatedly said they sent a refund to my bank but it appears Chase will not credit the funds to my account because they don't know how after a dispute is closed. 

They also refused to contact the merchant to request a refund.
Product: Debt collection

MBA law placed two collections on my consumer profile totaling over {$6000.00} stating they were due and owing at the time. I then receive the " bill '' that showed a total balance due was only {$0.00}. After pointing this out the falsified debt was then placed with XXXX with different dates. This company recently admitted to being " XXXX XXXX  '' which is conspiracy and conflict of interest by itself. They have finally removed it after many disputes yet have since allowed access to this confidential information to other companies. This company has affected my financial health severely by submitting false accusations of debt with forged bills and polluting my consumer reports and is still requesting hospital release forms from 2017 and sending me private HIPAA protected information out such as financial responsibility forms in an attempt to justify the fraud they have committed despite knowing that the debt was paid by medical insurance as shown in their falsified bill. This company is causing me XXXX and mental anguish by not taking responsibility for their actions. I am severely worried about the financial statement as they have shared falsified bills enough times already and since they have cropped out the hospitals name on the financial release form, they might sell that form for other companies or even themselves to torment me even more. This company not only has caused me to lose faith in the economic system of the United States of America, but makes me no longer want to voluntarily participate.
Product: Checking or savings account

On XX/XX/XXXX I transferred a total of {$6000.00} from my joint savings into my personal checking. 
This had been discussed between both account holders. 
The following day the person I shared my joint checking and savings account with filed a fraud claim and closed both accounts. Shortly after Bank of America put a {$880000.00} freeze on my personal account. When I spoke to their customer service department I was told an investigation would be held and could take up to 10 business days. 

The 10 business days are now over and I have been told that a hold will be placed on my account for up to 45 days which would make my account active on XX/XX/XXXX. 

My credit score has gone down by 12 points since XX/XX/XXXX. I  have creditors calling my phone non stop. 

I have taken my birth certificate, social, and id into a branch to prove my identity. I have faxed over documents stating where I work and verification that I am authorized on this account. 

Page 7 in their disclosure proves my rights and is being broken with no solid answer as to why.
Product: Credit card or prepaid card

XXXX XXXX Comenity Bank is harassing me regarding a small credit balance that I owe. I am currently not working and informed them of this. We are going through a COVID 19 pandemic as well and they are calling me from several different numbers and Unknown. The calls are coming in at least 20 times a day over and over. It is very stressful and they are not trying to work with me during this time. 

They have gone added extremely high fees to my account and added it to my credit report. They are commenting and different fees to my credit report every week. 
This is causing so much stress and XXXX. I can't take this harassment anymore and I need help.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. XXXX to XXXX XXXX XXXX and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process a XXXX as unfair and deceptive, as they XXXX XXXX '' comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Checking or savings account

On XXXX p.m. on Sunday, XX/XX/2019, I completed all of my banking for the week because I was traveling for business the next day. I made sure I had enough to cover all of my bills and all of the upcoming expenses for the week ahead. Much to my surprise, I received an email from Bank of America on Monday morning, XX/XX/2019 at XXXX XXXX. reporting my account had insufficient funds. I was terrified and thought maybe my account had been hacked. When I went online to investigate, I noticed XXXX XXXX attempted to withdraw {$2100.00} from my checking account. I immediately called the Bank of America ( BOA ) Call Center to alert them to stop the payment to XXXX, that it was an error. They told me " there was nothing they could do and that because the payment was processing even a stop order would not work. '' I explained how I needed the funds for travel and repeatedly asked for help. The next day, after receiving four ( 4 ) alerts for insufficient fund charges, I again called the BOA Call Center. First they told me my car insurance was paid. Then they told me it was not paid. I again told them XXXX should not have been paid. After receiving THREE ( 3 ) MORE  insufficient or overdrawn fund charges, I then received an additional ( 1 ) overdrawn fee in my other checking account because a transfer could not be made to cover a check for my car registration. In addition to the {$280.00} in BOA charges for the week, I was left without money for food and gas for my car ; I received numerous late fees for the payments I scheduled ; I could not purchase my low cost, return home, airfare ticket, which has now more than doubled and I do not know how I will get back to Florida or retrieve my vehicle from airport parking. Additionally, I am now marked late to several creditors, could not pay my car payment, which resulted in another late fee and charges. I can not put a price on the emotional cost - being away from home without any money is a horrible and scary event. Sadly, this is not the first time BOA has done this to me. I am of the opinion that they process checks in a way that is self-serving to the bank and damaging to the consumer. I simply can not afford to use BOA and will be switching banks as soon as this is resolved. Lastly, I do plan on notifying the media because my friends and family complain about the same issue with BOA and what they refer to as " thievery. ''
Product: Student loan

I applied for repayment assistance and was denied and assistance with direction or options that could be available. Was given no explanation as to why I was denied.
Product: Checking or savings account

My name is XXXX XXXX. I'm a XXXX XXXX and XXXX XXXX and XXXX XXXX with over ten years of experience. Any work during these unprecedented times is a true blessing. I was fortunate enough to XXXX a XXXX XXXX XXXX last month and spread commerce by XXXX a couple local crew and vendors. I was paid {$6000.00} for the XXXX ( a bargain for the client! ) and I received the check on Saturday, XX/XX/XXXX. 

I deposited the check into my Bank of America account on Sunday, XX/XX/XXXX. I then received a notification that the money would be held in its entirety until XX/XX/XXXX, over 10 days later. I attempted to call Bank of America today, XX/XX/XXXX, as they were closed yesterday for XXXX XXXX. I spoke with 3 different representatives, including a supervisor in XXXX, who all told me there was absolutely nothing that could be done and I would have to wait until that day. I asked the supervisor if there's anyone else I could talk to and she said there was absolutely no one above her and no one could help me. Her name is XXXX and her employee number is XXXX. I explained to XXXX and the other representatives that I need this money to pay my back bills and my crew/vendors. I'm a freelancer, and this is how it's always worked. They told me because I've never deposited a check from this particular bank before, the funds would be held until that assigned date. I asked if any of them could please call the bank or contact them to verify the funds or at least make the date sooner if possible, and I was met with absolutely no help. I've been a customer at Bank of America for over 15 years, but it just doesn't matter. 

We are in a pandemic, and everyone is swimming upstream at the moment. I'm not trying to pull one over on anyone, I'm just trying to get access to this money to pay my crew. This is affecting my job, my reputation, my livelihood and my life. Please help me.
Product: Credit card

Capital One Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The XXXX makes the following findings : ( XXXX ) the banking system is dependent upon fair and accurate credit!! Even the XXXX collector is reporting inaccurate information on my profile!! Capital One never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( XXXX ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!
Product: Debt collection

In accordance with the Fair Credit Reporting act Afni , Inc # 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: Money transfer, virtual currency, or money service

am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Debt collection

Santander, Contacted me at work where I am not supposed to receive those kinds of calls and asked me about a vehicle that I have never owned in my life claiming that they were unaware that my name was not unique in the state. I finally got the person to understand that it was not my vehicle but the phone calls caused me severe stress and embarrassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ, XXXX XXXX Fair XXXX XXXX, XXXX, MD, XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 2022
Product: Student loan

Someone pulled a loan out in my name threw mohela for {$10000.00} Ive filled reports to the police and everywhere else even the fraud packet mohela is telling me its denied because I need to provide proof of the classes I took I never took any classes and they wont listen that someone used my identity
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.