23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I have had an open MyWisely account open since I worked at XXXX last year for a couple months. They provided me with this debit card by mail as a way to get paid early. Just today XX/XX/year> I have contacted customer service through the chat option in the app, and had a conversation with a rep who confirmed they closed my account but clearly they didnt. No email confirmation and still my account shows active. I attempted to connect with an agent again but coincidentally I was in queue for over 30 minutes, compared to the literal less than 1 minute wait time I experienced in my initial contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to fraudulent activity with my personal information I am having to go through months and months of back and forth with companies that will not comply with the laws. At this point I am absolutely speechless at how I am being treated with my disputes. I have completed a FTC for the issue and submitted a CFPB complaint before. I have given the company plenty of time to contact me with any results but they have failed to do so. According to the Fair Credit Reporting Act, I have completed my portion by completeing the FTC and CFPB, but still this item remains on my account with out proof of a wet signature. I would like this to be my final time trying to get this issue resolved. Remove the account immediately because the company has had plenty of time to recover and provide documentation. The FTC was filed at the end of XX/XX/2021 and the first CFPB was completed in early XXXX, as a result of being ignored, by these same companies. I have rights as a consumer and these companies must respect that.
Product: Debt collection

I have been contacted multiple times by a collection agency that goes by Ability Recovery. They are trying to collect on a medical debt that is a result of identity theft. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens.
Product: Credit reporting or other personal consumer reports

They have this XXXX loan on my credit over and over and over and it's the same repeated and repeated and repeated and it's killing my credit score killing my credit and it's supposed to be forbearance anyways so I try to talk to them about it at the XXXX but it's very difficult to try to apply for a person you meant to talk to and they're not fixing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt does not belong to me and is showing on my credit pass 7 years. XXXX & Experian is showing a XXXX XXXX inquiry on my credit and should be deleted and removed from my credit report. two accounts are affecting and hindering my credit and opportunities greatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding the disputed accounts that currently appear on my credit report. On multiple occasions, I have raised the issue of inaccuracies related to these accounts and have consistently requested that they be thoroughly investigated. Despite my repeated efforts, I have not received any resolution or corrective action. 

These erroneous accounts are severely damaging my credit profile and hindering my ability to live a normal life. The negative impact of these inaccuracies has caused immense hardship, and I am left with no choice but to urgently seek your assistance in rectifying this situation. 

I kindly request that you conduct a comprehensive investigation into the reporting of each of these disputed accounts. It is imperative that you take the necessary steps to update and correct my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and to take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Specifically, cash app felt 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 and regulation E. The actions have caused significant inconveniences and financial loss, and I seek appropriate redness for these violations.
Product: Credit card or prepaid card

XXXX XXXX I apply for Discover secured card for amount {$1000.00} after submitting application The company Discover sent email requesting I sign IRS consent form 4506-C which I completed the IRS form and submitted it. I followed up with Discover and was informed that I was denied for unable to verify my identity. I do not understand the process of verification but my identity is not the problem. I feel discriminated and understand my rights to fair credit.
Product: Payday loan, title loan, personal loan, or advance loan

I needed to get my car fixed and couldn't get a bank loan. Got approved with Crane finance for {$500.00} not realizing they charge an APR of XXXX. I'm paying {$1500.00} in charges. That's XXXX x my loan amount. Should have read my loan agreement better.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and another company has XXXX recent hard inquiries on my credit report that I did not authorize
Product: Payday loan, title loan, or personal loan

Speedy cash offers payday loans. 
The amount was about {$500.00}. 

I paid already {$360.00} or so. 

The amount due last week was {$540.00} left which was still High almost double the original amount borrowed Now today after speaking with them About payment options and help I now see the balance went up to {$780.00} So {$1200.00} for borrowing {$500.00}? 

This doesnt seem to be something thats fair. In addition the original loan mentioned an installation payments- not sure how payments are {$340.00} a month? 

I believe the fees are in question here, and the companies unwillingness to work with me at all. Telling me that there gon na draft it out of my account I was calling ahead about a weeks time to find out hardship payment options whether I could pay at least {$100.00} now and spread the payment over time? Or any assistance- they said no. 

I am reaching out because we are about to loose our home and car, and cant afford for any accounts to be overdrawn- especially when I am trying to communicate the financial hardship I am experiencing I suffer from XXXX and am on XXXX- this is a lot of pressure on me alone
Product: Debt collection

We have been receiving calls for a debt owed by someone that we do not know who may have had my husband 's cell phone number before. I didn't know that the company was looking for someone else until today when the calls started all over again and this time the caller mentioned the person 's name but I couldn't understand what he said. The calls come to my husband 's cell phone from NCC Business Services, XXXX XXXX XXXX, XXXX, FL XXXX or NCC Business Services XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX from XXXX. I called the number back and got a message that " If you are? person, ( couldn't make out name but not ours ) press 1 for an agent '' The first time we filed a complaint our ID for complaint was XXXX and we got a message back that the president was sorry he had bothered us and that it wouldn't happen again and that we had no debt but this time we suspect there may be a debt belonging to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the CFPB due to the fact that I have previously disputed fraudulent accounts that appear on my credit report with TransUnion directly and have not received any written confirmation or response of the investigation. I hope this matter will be taken seriously this time.
Product: Consumer Loan

The car was given back and it was a recall on the car and i should n't have to pay {$3000.00} for a car i do n't have or be responsible for the car. The company has the car back, i tried to make an agreement to see what was my options with this car and there was none at all .try to get help or can we get a hold on it, the refused.The engine beauty cover detach from the engine and come in contact with the catalytic converter.Also there was an hidden fee from the car dealer i was told my car note was suppose to be lower.
Product: Student loan

I 've recently read about how XXXX College was listed as a predatory school and feel that I was highly pressured into enrolling. Now I 'm in a sea of student debt that I can not repay and am unable to find a job. I was told that I would receive help, but the one time I was able to return for help I was told that there was nothing to be done. 

I 've tried to return in order to receive more help to find a job, but the campus I used to attend is no longer available and has changed names.
Product: Debt collection

M & M has been attempting to collect a debt that was my vehicle insurance responsibility in the first place as this was part of a hit and run accident where the other vehicle was never found. A police report was made due to the issue, but it was never followed upon. As Michigan is a no-fault insurance state, this bill should have never fallen on my shoulders and M & M is a very deceptive and aggressive agency on their collections tactics. 

Even when I did not accept responsibility for the debt, I made an attempt to make a settlement which they refused. After that their agents started asking for personal information such as my employer, my payment day, my banking institution, and other job-related questions.
Product: Credit reporting or other personal consumer reports

became aware of this fraudulent account on XX/XX/year> and immediately took steps to report the identity theft to both the creditor and the relevant authorities. I have also provided a copy of the identity theft report for your reference. 
I request that you conduct a thorough investigation into the fraudulent account and promptly remove it from my credit report. The presence of this account is damaging my credit score and financial reputation, and I believe that its removal is necessary to restore my creditworthiness.
Product: Consumer Loan

Keybank in XXXX offered me a promising solution to consolidate all my credit card payments which required for me to laon XXXX in order for me to pay off the following : XXXX XXXX XXXX XXXX XXXX XXXX The reason why I agreed to applying for loan is due to XXXX of my XXXX cards at XXXX and have never gone over 40 % of my credit limit and wanted to come up w a fast solution this way, my credit score would not be compromised. 

I was approved for XXXX loan and instead of paying of the credit card we agreed upon, the payment was made towards the incorrect card which has left me in a lurch and now I have been receiving credit alerts through XXXX and my score has been affected tremendously. This is now leaving me in a very awful situation, knowing I have always had great credit ( almost excellent ) and now I am at good due to the error of Keybank. 

In addition to the error, they never followed up with me to set an automatic deduction for my monthly payments due to them so I have been paying staggered by sending wire transfer from my bank. I now received a letter stating I owe Keybank for late payments but have been actually paying them off Just not through automatic deduction. So I am now left with a low credit score, an alert that I am not paying my bills in which I have been and a high credit card payment still due to XXXX. What a disaster it has been. 

They never gave me a solution to help rectify and backtrack to ensure they payed of the accurate card but instead, pushed me to use my home as collateral for another loan and pushed me to refinance in which we started the process than later on realized, I was being scammed yet again so they could sign me up for another loan with a high interest rate. 

I have not only had issues with the bank, XXXX score that is now at XXXX, being pushed to take on loans to pay off cards in which was never done to no one HELPING me resolve these matters. I have had to take a day from work today to work on this as it has reached a point wherin I will be unable to apply for credit cards for my start up business since my score is now at a poor XXXX. 

Please help rectify this for me as I am in desperate shape due to how this has impacted me finacially and personally. 

Below is an email from the bank confirming they did NOT pay off the XXXX XXXX. 

Lastly, they put in / processed XXXX inquiries against my account w out my consent which also affected my score. We were told they would need to do this JUST once which is standard and when I checked my update on line, it stated Keybank inquired XXXX ; XXXX XXXX to XXXX, XXXX, XXXX, me Hi XXXX, I called and left you a message. I spoke to my back office and the XXXX card was not sent for payoff. The only debt we paid was the XXXX XXXX with the low balance, the other card and Keybank. I spoke to XXXX and he stated that he told you the XXXX payment along with the rest of yours and XXXX debt was going to be paid off with the Refinance and Home Equity. The loan proceeds were not enough to pay all debts. 

If you have any additional questions, I will make sure XXXX calls you when he gets in on Tuesday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending presenting this complaint on my own behalf, as a natural person, consumer, and without any connection to a third party. There are late payments inaccurately reporting on my credit report and file. It is your grave responsibility to be reporting correct and accurate information on my credit report and file. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes late payments- resulting in CRA violating my federally protected consumer rights. Additionally, I did NOT give CRA written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). The inaccurate reporting of these late payments has caused me and my reputation severe harm and discrimination. Please correct your records and have ALL of these inaccurately reporting late payments changed to the correct status of PAID AS AGREED immediately. I was the victim of a scam and I'm still having trouble because of that.
Product: Debt collection

Received XXXX plus calls on cell, work phone, and house phone. First time I answered I asked what this was in reference. They would n't tell unless I verified my social, which I would not do over the phone with some strange company. The second time I asked them to forward the information in the mail. I recieved nothing. The XXXX time I asked them to stop harrassing me at work, home and my cell. Then they continued to call on all three lines almost every day 2 times a day for 6 weeks. I spoke to a supervisor at Southwest credit XXXX XXXX XXXX id # XXXX and asked to stop and asked why it has n't stopped.
Product: Credit reporting

XXXX I opened a account and put a cruise on the account but I never got my credit card in the mail. I found out it went to the wrong address it went to a XXXX XXXX does not even have my right phone number or my right email these charges are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. AMER HONDA account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( AMER HONDA XXXX )
Product: Debt collection

I noticed that a derogatory mark appeared on my XXXX credit report in the amount of {$91.00} with the open date XX/XX/2019. A similar mark appeared on my XXXX credit report on XX/XX/2019. The reporting company was listed as " DIVERSIFIED CONSULTANTS INC. '' I do not believe I owe this alleged debt. 
I have not been notified of any alleged debt by this company - via correspondence or otherwise. I believe this company is required to notify me of any alleged debt prior to, or no later than 30 days after, furnishing negative information to a credit reporting agency. It has been 30 days since this company furnished negative information, and this has not occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the XXXX Credit Bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX  XXXX Balance : {$510.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}
Product: Student loan

I graduated from XXXX XXXX XXXX in XXXX of XXXX. I began making payments to XXXX XXXX XXXX in XXXX. I am unable to find my payment history from XXXX until XXXX of XXXX. As a result, I was denied forgiveness through the XXXX program. I recently found payments from when I was with XXXX and have just uploaded those to Fed Loan Servicing. But the payments from prior are missing. I have XXXX payments counting toward forgiveness and XXXX ineligible so I know that these payments were made. My account states " no payment due '' from XXXX through XXXX. That is inaccurate as I made payments. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am consumer and I am submitting this complaint without any other party or credit repair organization. I submitted several request for XXXX XXXX  compliance to the Fair Credit Reporting Act XXXX XXXX XXXX ( a ) ( XXXX ) instructing XXXX XXXX  to cease furnishing and remove my nonpublic personal information associated with Equal Credit Opportunity Act XXXX XXXX XXXX account from any and all consumer reporting agencies, to include Transunion, XXXX, XXXX. XXXX XXXX  has dishonored my right of privacy and confidentiality in disregard of 12 CFR 1016.15 ( a ) ( 1 ) and the congressional findings of 15 USC 1681. Enclosed is a consumer report dated XX/XX/2022 received by Transunion as evidence of violation whereby any authorization or approval of a specific extension of credit ( XXXX XXXX XXXX account ) directly or indirectly by the issuer of a credit card or similar device ( form XXXX ) is to be excluded from a consumer report. 
XXXX XXXX XXXX also specifies that a consumer report excludes report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries and accounts and I asked for them to be removed and the credit bureaus didn't do ask i asked. I'm attaching a copy of the ftc report that i filed
Product: Debt collection

I did not use this credit card but the company of this card charged the amount to me and my credit score is low now.
Product: Debt collection

Me and my boyfriend moved into XXXX XXXX XXXX on good standings.We paid our rent every month and never gave our neighbors any problems. My boyfriend is in a XXXX and we explained that to them. Everything was ok in the beginning until things started going bad with my neighbors upstairs apartment. The people upstairs had a bad leak that took them days until they decided to come fix it, they did n't treat the problem properly just covered it with paint and the problem kept coming back. We asked time and time again we put in work order after work order for them to fix the problem but they just brushed it off. Well due to their brushing the problem off, the walls accumulated mold which caused my boyfriend to catch a XXXX XXXX that put him in the hospital for many months at XXXX XXXX. We were not the only people that had mold and the apartments knew that. We stayed in our lease and told the leasing office about our situation and they still did not want to fix the problem or work with us. We did n't leave because we just wanted to, we left because it was a XXXX emergency We had proper documents from the Hospital and Doctor appointments. Not only that allot of crime was going on inside of the apartment complex and the leasing office felt like it was ok not to inform the residents on what was going on, my neighbors right next door and upstairs apartment got broken into and a lady three doors down got XXXX  and when I asked the leasing office what they were doing about it as far as safety, they told me it was none of my business and they did n't feel like it was a concern. Not knowing that I knew already that the man who did it stayed there and still had a gate card and a key due to another neighbor telling me what was going on. They had people running through the bushes running from the cops and one of the guys ran into my apartment as I was going in with my niece, when I told the leasing office about it all the lady said was " Awww I 'm sorry to hear that '' .The gate was never working and security was just letting anybody in. I 'm a female and my husband is in a XXXX it just was n't safe for us. Even though we was right down the street from the jail the police still take their time to get there.