23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I took a loan out with the company on XX/XX/2021. 
Due to covid I was in a really bad spot financially. 

In XXXX I spoke with At the time name XXXX XXXX. And I told them my situation that I wasnt able to pay them back just yet due to my work situation and looking for a new job. 

I recently just had XXXX back in XXXX and have been off work since XXXX of XXXX and I told them directly once I get my XXXX and can fully return back to work I will pay them back slowly. 

But Ive been receiving threats from them to take me to court. They have been calling my entire family looking for me which is crossing the line, they have my number and email. Obviously the representative lied because I wouldnt be getting threats After I spoke with them in XXXX. They told me they would put my account on a hold so I wouldnt get charged interest fees but they lied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I tried to set up a credit report freeze with Experian through their website. After providing personal information they had several security questions to answer and based on each question I answered them. When I submitted the answers it locked me out and I could not proceed to freeze my credit report. 
I attempted to call their phone number for Contact Us and after trying no less that 15 times each after entering automated options the call would end with a thank you and I could not speak with a real person in customer assistance. 
I tried every number listed just to try and speak with someone to unlock my access so that I could create an account to freeze and unfreeze my account as needed. 
They seem to make it EXTREMELY DIFFICULT to contact them which is unacceptable.

I even tried to set up a free account and it it only gave me an option for a paid account. 
This is unacceptable and your agency should be aware and investigate because I am sure that there are a lot of other consumers that are facing the same issue.
Product: Debt collection

Due to me losing my job i turned in the keys to my old apartment I knew that I could not afford the place any longer me and my child have to go from home to home of a few friends until I was able to get back on my feet once I got back on my feet and I had a stable income I had to get a private owner do to the Judgment of my old apartment being on my credit as soon as I have stable income coming in I reached out to the old apartment to try to set up some sort of payment arrangement on the remaining {$700.00} balance that I left them with they then let me know the account was with results Unlimited I reached out to results unlimited to set up some sort of payment arrangement when I called them they told me my balance was over {$1000.00} and between XXXX {$40.00} or so due to the interest that was added Now the account has not even been in collections that long to have that much interest on it they wanted me to pay the balance in full or set up some big settlement that I could n't even afford at that time I gave results unlimited my address my workplace and my personal information because at this point I 'm not trying to hide I want to take care of my debt I was told I will be called in regards to a payment plan before I knew it I receive a garnishment letter to my address I 've been garnished for a balance of {$1200.00} on a {$700.00} judgement against me for an apartment .I paid {$1200.00} through a garnishment through the courts to results Unlimited now that I assumed my balance was paid off because that was the balance I was told that I owed originally I was told that I had a much lesser balance I called about 5 months later my balance is at {$1200.00} I attempted to file bankruptcy to clear up some of my dance I decided to not go through with the bankruptcy and try to just clear up my credit report my judgement against me for this old apartment was {$700.00} although results unlimited was trying to collect almost double that amount allowed for garnishment to go through it instead of continuing with my bankruptcy now that the garnishment is paid I am now being we garnished again for the same exact bill that I had before it 's now a much less her balance XXXX and {$23.00} or what they 're asking for now stating that a {$600.00} credit was applied to it and there 's lawyer fees and court fees now added to it. Through this whole process I have already lost a home due to the garnishment being last minute I was n't aware of it ahead of time so that was my rent money that was taken out of my current income this forced me a single mother to move into a room and board with my child I know this sort of thing does not concern collection companies that it 's just it 's about doing it the right way as far as notifying people and as far as me trying to rectify what I did by paying the balance it but now for me to be sued on the same balance twice is unethical I know there has to be some sort of law against this with my consumer rights this has to be against the fair debt collection practices.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I checked my credit report and discovered discrepancies in the following accounts : XXXX XXXX XXXX ( account number : XXXX ) XXXXXXXX XXXX XXXX XXXX ( account number : XXXX ) XXXX  XXXX XXXX  ( account number : XXXX ) XXXX XXXX  ( account number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. 
I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Checking or savings account

Wells Fargo from XXXX to XXXX, charged me thousands of dollars in overdraft fees. Many of them were double charges for the same check, many of these double charges were charged the day after I put a deposit into my account despite my having made a deposit before the check posted. In XXXX, I was also pressured into opening an account I had absolutely no use for. The customer service representative just told me she was going to open it for me and made me sign something. Then, when money would be sitting in the other account, they would charge me overdraft fees on that account. Now, they were supposed to make this right. When I filed a claim, they sent me a XXXX dollar check and said that would be sufficient repayment and that my NSF fees were on account of my account being low. This was a lie! I'm a veteran and receive VA XXXX. Sometimes, Wells Fargo would take hundreds of dollars in a month out of my check. I have attached just some of the overdraft fee and Non-sufficient funds errors that need to be corrected.
Product: Credit card or prepaid card

In early XXXX I received in the mail a Chase Freedom Unlimited credit card in my name indicating my card was ready for activation. Problem is I never applied for said card and immediately had my suspicions that it had been fraudulently applied for. I never activated it and have kept it in my possession until I learned more about why it was sent to me. 

Today I called the Chase Customer Service number ( XXXX ) to find out what was going on. ( I got this number from one of frequent emails I have received from Chase in the past week or so. ) After being bounced around on automated phone mail, I finally spoke to an agent who wanted to know my password (! ) and my mother 's maiden name (! ) so she could access my account. I explained I did NOT have an account and never applied for one. She passed me on to a supervisor who again asked for private information I was not willing to share. She passed me on to a third person who explained that someone else may have applied for the card in my name and that they possessed enough of my personal information for Chase to issue the card. He said he would cancel the card and inform the proper credit authorities. That's where things stand at present. 

I thought I should report this experience to someone to find out if this is a current scam going around and to warn others about what I had experienced.
Product: Debt collection

Opened - XXXX XXXX Creditor Name - University XXXX XXXX   Remarks- Placed for collection Amount - {$240.00} I received a derogatory remark on my credit which is when i realized i have debt collection from 2 years back. I was not aware of the debt ( since it was not communicated, there was an address change and i did not receive any information ). I am willing it pay it off in full right now but wondering if i ca negotiate the settlement by removing my impact on credit score since i was unaware and it was not my mistake.
Product: Checking or savings account

I requested for account to be closed on XX/XX/2024 through customer service. The agent confirmed the account had a XXXX balance and would be closed. On XX/XX/2024 I was charged a monthly fee and the account was not closed. I requested through customer service on XX/XX/XXXX that the fee be refunded and account closed and agent lied and said they show no request of it even though I called their customer service number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times with the credit bureaus and Net Credit. I have submitted the documents to prove account is not 120 days late and they refuse to update reports and every month I continue to get an alert saying 120 days late. The account balance is wrong and they refuse to update the account balance on credit reports. They have signed an agreement to settle my account for less than balance and my debt management company has made payments every month since XXXX of 2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are negatively impacting our credit scores, if we win a dispute against a credit company. I won a dispute against XXXX XXXX, after it was proven that they cheated & defrauded me. The account shows as Legally Paid in Full. Yet, the credit reporting agencies insist on making ME wear the Scarlet Letter for 7 years! <P/>The credit reporting agencies instructed me to contact the company to ask that they send a correction. XXXX will not help me! I proved them to be cheats & liars! They are laughing at the fact that the credit reporting agencies are helping them to XXXX me, by rubbing salt in my wounds! <P/>It is not fair, that I fight against someone trying to XXXX me over, I win, I prove them cheats & liars, and my reward? I am forced to carry the dreaded SERIOUS DELINQUENCY on my credit record for 7 years! How is that fair? I was a victim, and now, I am a victim again! For 7 years, I am a XXXX, because I refused to allow someone else to cheat me?? <P/>
I just finished a call with Experian. They insist on keeping the bad mark against me, even though they know all the material facts, that I had won a dispute against a company trying to cheat me. They insist on making me pay the price for something I did nothing to deserve. This is just wrong.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request your assistance in resolving an issue regarding the account listed on my credit report under the name XXXX XXXX XXXXXXXX XXXX This account was opened on XX/XX/year>, and appears to have been reported inaccurately. Specifically, I was not of legal age at the time of opening this account and therefore, I should not have been permitted to open the account. 

Despite multiple attempts to have this matter corrected directly with the reporting company, they have refused to remove the account from my credit profile. Additionally, the account has been listed on my credit report for more than XXXX years, far exceeding the legally required time frame for account retention under the Fair Credit Reporting Act ( FCRA ), which mandates that negative information be removed from a consumers credit report after XXXX years. 

According to the FCRA, any information reported to credit bureaus must be accurate, and any incorrect or outdated information must be corrected or removed in a timely manner. The inclusion of this account on my credit report constitutes a violation of these provisions, and I am requesting that you intervene and ensure that it is removed promptly. 

I appreciate your prompt attention to this matter and request that you contact the relevant parties to ensure the immediate removal of this inaccurate account from my credit report. 
. 

Thank you for your time and assistance. 
.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. National credit system # XXXX has violated my rights. 15 U.S.C 1681section 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, credit repair services, or other personal consumer reports

I requested the removal of inquiries that I did not solicit or authorized and I was told that they were facts of records and that they were permissible records. 
The following inquiries I did not authorize/solicit or give permissible authorization to access my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX. & XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX
Product: Debt collection

On XX/XX/18 I informed this company of my Medicaid information. I provided my policy and member number. I have spoke with my local Medicaid office and was informed their responsibility was paid and that I am not responsible for the bill and that it is against federal law to report this account against my credit. I advised this company that I wish to dispute and open an investigation which are my rights as a consumer. I've done my part by providing all information to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency is violating my rights under the No Surprise Act of XXXX. I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the conditions of the FCRA I am allowed a fair and accurate credit report. Please see details below : Online Information Ser XX/XX/XXXX in the amount of {$150.00} Online Information Ser XX/XX/XXXX in the amount of {$760.00}
Product: Credit reporting or other personal consumer reports

I have a late payment on my credit report that not accurate Ive never paid this account late, Ive wrote the company and the credit bureaus several times reffering to this late payment and have not gotten any results!! The date of the late payment is for XX/XX/year> from XXXX XXXX XXXX its one late payment and ive never had any late payment history ever!!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

During XXXX of XXXX, I called Sallie Mae and told them I wanted to figure out payment options because I have been having a difficult time since COVID and deaths in the family that have altered my life completely, mentally, emotionally, and financially. I am now in the process of XXXX XXXX XXXX  who lost her father who was my uncle, which has taking a financial toll on my finances while I am still recovering from the impact of XXXX. I have explained this a Sallie Mae representative who talked me out of doing a forbearance stating that it would not be in my best interest because it would cause more of a financial burden and that Sallie Mae wasn't close to reporting my account to the credit bureaus and I had time to make a payment. I made a payment a few weeks later to which Sallie Mae took out a partial payment not the full amount, once I called several representative could not give me a explanation as to why that occurred and nothing was notated on my account. I sent a complaint to Sallie Mae via mail and I did not receive a response on. 
I then spoke to XXXX XXXX who said once I get only a payment plan which included my defaulted amount that I would not receive any calls or emails because of the plan. That was not true. Since then I have continue to get harassing phone calls with people telling me different things every single time. I then received a letter threatening to take me to collections if I didn't pay by the XXXX when my payment plan was set for the XXXX. I called and spoke to XXXX and she said they wouldn't send me to collections as long as I made a payment on the XXXX ... which doesn't make sense. So I called and spoked to another representative who told me that the payment plan didn't cover everything which I was no aware ... she suggested I make a {$66.00} ( week of XX/XX/XXXX ) payment to stop it from going to collection which I did and told her that I did 't want to be contacted by representatives because I am continuously being misled. The following week I still made the {$85.00} ( XX/XX/XXXX ) payment that I agreed to which put me in a financial bind. I think I got contacted the following week after making the two payments that I needed to make {$130.00} payment, I told XXXX that I asked to stop being contacted because I don't even know what I am paying and nothing is making sense. She refused and said they are allowed to contact me. I continued to ask questions about my account and she transferred me to another representative who then couldn't explain anything and couldn't transfer me back to XXXX. Not once did or was she able to explain any explanation... again something that I continue to receive from the representatives.
Product: Credit card or prepaid card

I have tried numerous times to log into https : //www.marcus.comXXXX to access my credit card account info including the current payment due so I can pay the card. The web site does not work. I then called the credit card number provided, XXXX, and could only obtain my balance information ( after 2 disconnects on their end ) and could not get payment due nor could I get a real person to talk to. My credit account transferred to Marcus by Goldman Sachs in XXXX. I had an issue last month as well ; couldn't log onto the site and couldn't get anywhere with trying to call customer service. This is unacceptable and frustrating. I shouldn't have to file anything about this.
Product: Money transfer, virtual currency, or money service

I feel foolish that I even fell for the scam. I sent money to someone intending to buy a product and while the amount was not a great deal, I immediately reported it same day when I realized it was a scam. It cost me {$48.00} and {$100.00} respectively. PayPal responded almost immediately saying that it was not anything they could do. It was not even 3 hours did I send and then report the issue. The email almost felt auto-generated and not even looked at by a real person.
Product: Debt collection

I had financial hardship, and contacted XXXX XXXX XXXX last XX/XX/2019. They said they have reached out to all my creditors to make arrangements to pay each XXXX. 
XXXX has refused to work with XXXX  XXXX XXXX. Recently, I have been receiving letter after letter, from local lawyers, that claim I have a summons to appear in court. I have checked, but there is no court case recorded. I have not received any summons, but several of these lawyers have a fake copy of a summons with my name, address, and credit card company. The lawyer letters have said this lawsuit could lead to a lien on my property, take over of my bank account, garnishment of my wages, etc. I in good faith have tried to reach out to my creditors. They have caused me additional stress to add to the difficulties I am now facing in my life. XXXX, and their Midland Credit Management, have publicly shamed me, and inundated me with countless lawyers contacting me daily. 

XXXX XXXX  turned my XXXX XXXX debt over my to Midland Credit Management for {$1600.00}, which I half of what I owed, with late fees, and interest charges doubling the requested amt. 
Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX