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

I reached out to all 3 credit bureaus after initial contact with the creditors to correct issues and fraud on my reports. I have not received a thorough investigation on who the suspect behind these charges are, as well as the validity of the charges. I have been a victim of extreme fraud and ID theft in which has caused me several denials and undue hardship for the past 3-4. years. I have sent in my ID, police reports, notarized statements, alert letters that all of my personal information has been sold on the dark web, etc to no avail. 

I was able to get a few things rectified but there are still some very huge amounts of debts that I did not create that are still on my report. I have disputed several times for the last 8 months and the CB 's have done nothing but ignore my claims with no proof that the fraud accounts are mine. Please see the following information from each of the credit bureaus and the accounts in question : Experian- XXXX- An illegal re-insertion placed on my account for a XXXX fraudulent loan that was previously deleted. IAW with the FCRA 623 ( a ) there are quite a few things that the bureaus have failed to correct on my file, to say the least. 

XXXX XXXX-Verified account but I've never missed a payment. Account in deferment due to COVID-19 at the moment but should not account for it being late. Contacted creditor and verified the error. Bureau notified ( supposedly ) and should have corrected this oversight on their end. 

XXXX XXXX- I have never had an account with this company and have requested numerous times for the investigation of this from both the bureaus and creditor. I have received nothing. Therefore, as there is no proof of ownership, it must be removed IAW FCRA 623 ( A ). 

XXXX Utility bills- XXXX XXXX XXXX ( Online Services )  that have been charged to my account under collection status in a geographical location that I don't even live! I reside in California and we don't have XXXX here, nor do I live in a home that a security system is installed such as XXXX. 

XXXX Fraudulent. I do not own a credit card from XXXX, only XXXX and that account has been verified as accurate. 

XXXX XXXX XXXX ( Online Services ) that have been charged to my account under collection status in a geographical location that I don't even live! I reside in California and we don't have XXXX here. 

XXXX XXXX Fraudulent ; again, I only have ONE credit card. This is not my account. 

XXXX XXXXVerified account but I've never missed a payment. Account in deferment due to COVID-19 at the moment but should not account for it being late. Contacted creditor and verified the error. Bureau notified ( supposedly ) and should have corrected this oversight on their end. 

XXXX Fraudulent. I do not own a credit card from XXXX, only XXXX and that account has been verified as accurate. 

XXXX XXXX- I have never had an account with this company and have requested numerous times for the investigation of this from both the bureaus and creditor. I have received nothing. Therefore, as there is no proof of ownership, it must be removed IAW FCRA 623 ( A ).
Product: Bank account or service

BANK OF AMERICA CHARGING ME FOR AN ADVANAGE ACCT.AT A RATE OF XXXX A MO.OF WHICH I DID NOT REQUEST NOR WAS I ELIGIBLE FOR STATED ACCT.THIS TYPE ACCT.REQUIRES A MINIMUM OF XXXX BE MAINTAINED IN THE ACCT.AND I DO NOT QUALIFY -- THIS HAS BEEN GOING ON APPOX.20 YEARS AND I ESTIMATE OVER XXXX IN EXCESS CHARGES -- ACCORDING TO THE BANK MANAGER THIS WAS MY FAULT FOR NOT CHECKING MY MONTHLY STATEMENT -- I THINK THE BANK AUDITERS SHOULD HAVE CAUGHT THIS MANY YEARS AGO AND CORRECTED THE SITUATION -- HOW MANY OTHERS DOING BUSINESS WITH BANK OF AMERICA ARE AFFECTED??? HELP!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  act # XXXX, XXXX XXXX XXXX act # XXXX, XXXX XXXX # XXXX, XXXX XXXX act # XXXX, XXXXXXXX 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  Act # 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: Checking or savings account

This company continues to make their banking services online and through withdrawals via atm inaccessible because of system maintenance. There should not be disruption through any hours of banking services. Withholding funds is in violation and should be investigated.
Product: Debt collection

I received notice in the mail by a Credence XXXX XXXX XXXX that I owed them {$2400.00} showing account number XXXX and creditor number XXXX This is a fraud account this is not mine. I already contacted the creditor and fraud was placed and investigated under my name. I have been with XXXX for the past 3 years so there is no way I owe XXXX XXXX XXXX as this is showing up on my credit stating it was opened XX/XX/2022 which again is fraud I am with XXXX. I submitted an identity theft report and contacted local authorities along with XXXX XXXX XXXX to have this investigated and removed. Credence did not send notice that they were placing this on my credit 5 days before like stated in FCRA meaning they violated my consumer rights along with XXXX XXXX XXXX not sending me notice either. When I called them I told them this is a fraud case and they ignored me and went ahead and still placed this on my credit report. I am purchasing a home this month and this caused a BIG issue with my lender. I am upset and irritated of the irresponsibility of this company and how they failed to notify me of this account before adding it to my credit when the account does not belong to me. Attached please find my identity theft report along with identification and the letter I received in the mail by the company above.
Product: Debt collection

This company Orian Management from XXXX, CA employee by the name of XXXX called my job stating that he had some papers to serve for court and do he want me to serve them at my job or at my house. He also continues to call my cell pone harassing me over and over again. I DO NOT want them to call me again.
Product: Credit reporting or other personal consumer reports

I sent my dispute letters and uploaded proof of Address. I need all negative accounts remove immediately. 
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have worked hard on my credit ever since learning about it 's importance. I was very naive on my private student loans. I thought they were all the same. It is only years later, that I am fully understanding these things. A couple years ago, I began reaching out to companies holding my student loans to get them on the road to paid. Unfortunately, this has been a terrible experience, that I am losing. When I called for the Federal Student Loans, they were easy to work with and easy to contact. For the private loans, it has been an impossible dance around obstacles. I have been " disconnected '' and found not able to reach the holder. Then, whenever I do reach a person, if I do n't agree to an outrageous payment plan, they are not interested in setting me up on a payment plan. If I say, I can only pay {$25.00}, they want {$50.00}. If I say I can pay {$50.00}, then want a {$100.00}. And, the merry-go-round continues. All the while, they are docking my credit like crazy. Every year, they are selling and reselling my debt. The next collector calls and the dance continues. I get every other hour roto dialed calls ( and when, I go on the site to select not to be texted or auto-called, it never saves - so it appears I am accepting these calls ). When I answer, the dance continues. I tell them I want to pay. They say without agreeing to their terms it is useless and they are unable to enter me into a repayment plan. This is impossible. Even when I am not working ( currently ) they are not willing to hold my loans or accept any payment other than their bottom line. HOW DO I END THIS NIGHTMARE THAT LOOKS TO BE FOR THE REST OF MY LIFE!!!!! If I only had known how much this was going to affect my life, I would NEVER HAVE SIGNED MY NAME FOR THE LOAN!!!!
Product: Debt collection

Nonstop, repetitive calls everyday about every hour. Calls from mulitple differnt numbers, I have blocked many numbers trying to stop the harassment and they call on a new number. I have told them I will make payments online and they try to force me to give them my information to pay over the phone. Company name is Credence. I have asked them to stop calling me mulitple times a day everyday and the calls continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have requested actual proof of ownership, proof of contract from XXXX XXXX / XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX Taking assignment of Debt ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. ( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. I believe all these are inaccurate and is in violation of both FDCPA and FRCA.
Product: Credit reporting or other personal consumer reports

Was over charged fees and other things due to my account
Product: Credit reporting

I only have one Employer. I work full time for XXXX XXXX XXXX since XX/XX/2014. All other employers listed on my Report should be removed. Thank You.
Product: Checking or savings account

I have never been late on a payment and always have money in my account. 
There is a Pay Now button to pay your credit card and there is a Pay Now details Button.

For what ever reason i choose the detail button and saw an icon of my credit card with a ballance an a Pay Now button so I put in the amount I wanted to pay and hit the Pay now.

Turns out that the Pay Now is a Transfer Of Funds action and my Payment that should have went to the my Credit Card went back into my Bank Account.

I was not aware that I did not make the Credit Card Payment, I got no email, no notification, no phone call that the payment was not made.

I took screen shots of the Bug on the Website showing the Credit Card,
my payment and how it did not match up to the right account. I have filed a Dispute with the Credit Companies and talked with the bank. The bank said that it was unfortunate that website was not working properly and Refunded my Late Fee but my credit dropped XXXX Points. The Banks Argument is that there are other ways to Pay, so if that was not working than why did I not pay with another option, My stand is that because the Money did transfer there was no way I knew that the Credit Card was not Paid.? No email letting me know I was late, No phone call. it was not till I saw the XXXX point drop on my credit that I that the credit Card in the Month of XXXX of XXXX was not paid. Please help. 

I printed a copy of the WebPage and showed everyone the Miss Match on the Hunnington Bank webpage. No one even bothered to want to look at the webiste where the problem is and how it happened. Its a bug and it can be repeated on a desktop on there webpage.
Product: Debt collection

Zwicker & Associates mailed me a Judgement For Plaintiff notice on behalf of XXXX credit card. Zwicker & Associates claims I was served a summons on XX/XX/21. I was never served a summons. Total amount payable to plaintiff is XXXX, XXXX, according to this default judgement. I was never notified of a court date. Zwicker & Associates claims the complaint was filed on XX/XX/21, and a copy of the complaint and summons were served to me, XXXX XXXX, on XX/XX/21 " as appears from the officer 's return. '' I was never served.
Product: Consumer Loan

I have been an American Express customer since 2007. Today I was notified that a credit limit was placed on an otherwise unlimited account. 

I have not missed any payments and nothing has changed financially for me. 

Working for a XXXX, it is important that I actively manage my account. Additionally, I am up to date with institutions misrepresenting and misleading consumers. 

I contacted AMEX and they said they made the determination based on a credit bureau. I find this hard to believe since my credit score has been improving and consider very good. 

AMEX has damaged me and my reputation.
Product: Credit card or prepaid card

I opened credit card account with BMO Harris bank in beginning of XXXX XXXX interface of that credit card site is very complicated and not easy to monitor your activity. 
As of today, XXXX my current balance that BMO want to take from me is {$1200.00}. 
But money that I ACTUALLY spend by using that card is {$1100.00}. 
Simple math based on posted amounts on BMO Harris bank gives {$1100.00}. 
This company fraudulently increases money that credit card customer owe to them. 
Please stop them to steal my money and force them to post actual usage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had multiple cards opened in my name and used!!
Product: Student loan

I received a student loan from XXXX XXXX XXXX of XXXX in XX/XX/XXXX for XXXX. It was my XXXX year and I had run out of money to attend and exhausted all of my choices. I was told by the school that I would be able to roll this loan into my XXXX. Also, the rep from XXXX stated that that would be the best way to handle my loans. Well, I graduate, start on the paperwork and found out that I can not do this. What really caught me off guard is that this loan is basically treated like a credit card, with a variable rate. I am XXXX years old, divorced with a child ( XXXX years old ), and XX/XX/XXXX is my payoff date! I do not know what to do. I 'm trying to by a home, but need to take care of my family. The job I have does not even come close to paying my loans off. I do work for a XXXX and have over XXXX years in the XXXX. I qualified for loan forgiveness on my XXXX, but not on my private loan. I did not even know I was receiving this type of loan. Any help or advice would be appreciated.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I initiated a dispute on credit report to the credit bureaus asking if they report bankruptcies to the credit bureaus and I got a letter stating The company that reported the information has certified to XXXX that the information is accurate. To date, I have not heard back for the dispute with the other agencies. How did the credit bureaus verify my bankruptcy as 100 % accurate? I do not believe a fair investigation was conducted according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The credit bureaus also violated several other of my rights. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My last statement balance was {$370.00}. Best Buy/Citbank is showin a last payment on XX/XX/XXXX. They are showing a last payment made on XX/XX/XXXX. Yet I have made 3 subsequent payment after receiving harassing emails and phone calls. You can see from the attached that I made XXXX subsequent payments and am now overpaid by about {$500.00}. I also se that the money has been paid to Best Buy from my XXXX XXXX bank account. I am currently applying for a mortgage, and while Best Buy can see the payments, they can not explain the credits have not been applied to my balance. This is their error not mine, and I've overpaid by {$500.00} due to constant threats and badgering. What has me most concerned is that when I call customer service, they can see the payments, but can not do anything to stop reporting to credit reporting agencies. I want this issue resolved, a credit for my overpayments, and any progress with credit reporting agencies stopped.
Product: Debt or credit management

I have roughly {$40000.00} in debt with credit cards and loans due to being un-employed for the past 9 months. Freedom Debt Relief advsed me to stop paying my creditors and that I was approved for {$60000.00} to wipe out my debt. It turns they don't wipe out the debt. The negotiate on your behalf, in which most of my key creditors XXXX XXXX, XXXX XXXX do not negotiate. I have had legal filings and the my debt amoount remained the same even with the payments that have been made to Freedom Debt Relief.
Product: Credit reporting or other personal consumer reports

Re : Request for Damages Pursuant of Fair Credit Reporting Act ( FCRA ) due to willful negligence According to my records of previously submitted disputes/documents via USPS, CFPB, and/or your online portal, you were in receipt of my prior communications and were obligated by law to investigate my claim for action within 30 days of receiving notice of dispute. Knowing that this is a lawful obligation of yours, you both knowingly and willfully failed to delete the disputed information. Additionally, you have not communicated any probable error that would prevent you from completing this as everything that is NEEDED to fulfill my request was included in my initial dispute. There was no cause for you to stall or reason for you to stall, procrastinate, or refuse your duties. Therefore, I am now demanding the immediate removal of the disputed information. Under the provisions of the FCRA, you are also liable for damages, as outlined in 15 U.S.C. 1681n-1681o. In addition to removing the disputed information, you are required to issue a payment of {$1000.00}, made payable to my name as indicated in the letterhead above. For your convenience, I have included a completed IRS W-9 form to assist with your accounting or legal tax obligations.I want to be explicitly clear that this is not a notice or attempt to start a new dispute. I've already attempted to rectify this affair with you. By law, you are only allowed 30 days from day of receipt to dispute, and that time has since elapsed.I expect you to remove the disputed information immediately, provide proof of its deletion, and send the {$1000.00} payment to my mailing address listed above. This must be completed no later than fourteen ( 14 ) days from the date of this letter. Failure to comply within this timeframe will result in my referral of this matter to a consumer attorney to evaluate potential legal action in federal court. Receipt of the deletion confirmation and payment will constitute a full settlement and release of my claims.
Product: Credit card or prepaid card

I can not get my limit on my netspend debit card
Product: Vehicle loan or lease

I am writing to inquire about my eligibility for a refund related to non-sufficient funds ( NSF ) fees, and other fees that were overcharged to customers in the past. I understand that Wells Fargo had a practice of charging multiple NSF fees for the same transaction, a practice which has since been discontinued. 

Could you please check my account history to determine if I was affected by this practice and if I qualify for a refund? I would appreciate it if you could provide any details about the next steps I should take or any documentation I might need to submit to support my inquiry.
Product: Credit reporting or other personal consumer reports

15 U.S. $ 1681c-2 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 days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete this items IMMEDIATELY! This account should not be furnished on my consumer report as its in violation! Under, 15 U.S Code 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL SUBMITTED to subsection ( c ) any consumer reporting agency agency may furnish a consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protection consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed XXXX XXXX XXXX