23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My XXXX  handled all of our bill paying up until XXXX XXXX XXXX  XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My XXXX  always got the mail, I never even had the XXXX XXXX XXXX XXXX XXXX  Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My credit report says these companies I also have debt with despite me not taking out cards or loans with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person..I am a living human being.. I have rights under the FCRA, 15 USC 1681. Experian and XXXX are governed by the 15 USC 1681, and they have violated my consumer rights numerous of times..Because of these violations and reportings without my written signature and consent, it's been hurting me, it's been hurting my payments, my credit utilization, i have high interest rates because of it and much more.. I demand these accounts listed below to be completely removed from my credit report.. According to 15 U.S.C. 1681b, section 604 2 ( a ) of the FCRA, it says a consumer reporting agency may furnish a consumer report with the written instructions of the consumer. I, the consumer, have not given Experian, XXXX or any other consumer reporting agency any written consent or instructions, nor have i signed my signature on anything to furnish my consumer report. According to 15 U.S.C. 1681 ( a ) ( 3 ) of the FCRA, it says Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. According to 15 U.S.C. 1681 ( a ) ( 4 ) of the FCRA, it says there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As a consumer, according to the FCRA, my rights have been violated and i've been taken advantage of..The law is the law. We must abide or face severe consequences..Please delete the accounts below from my credit report. XXXXXXXX XXXX XXXX-Act # XXXX XXXX XXXX XXXX- Act # XXXX XXXX XXXX- XXXX # XXXX XXXX XXXX-Act # XXXXXXXX XXXX XXXX-Act # XXXX XXXX XXXX-Act # XXXX XXXX XXXX XXXX XXXX XXXXAct # XXXXXXXX XXXX XXXX XXXX-Act # XXXX XXXX XXXX-Act # XXXX
Product: Credit card or prepaid card

On XX/XX/2018 my purse was stolen and someone used my NetSpend card and I didn't give them authorization to use my card I contact NetSpend and filed a dispute and explain the situation and my card being stolen NetSpend have not tryd to give me my money back and it's not fair I'm a single mother of XXXX lil girl which XXXX is XXXX and I need my card I filed a dispute for {$580.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another transaction for {$62.00} was ATM withdraw at XXXX XXXX XXXX XXXX I didn't give anyone authorization to use my card I called NetSpend they is stating there is nothing they can do about it please help me
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

received a call from one of XXXX  XXXX employee about an old account that I had with them the gentle went on to identify his self an offered me a settle which I accepted then he goes on to ask for my debit card information to pay settle which I verbal gave over phone then he then goes up to say that XXXX  XXXX will notify each credit bureau to removed the account from my credit report I have been dealing with XXXX  XXXX since may trying to get them to honor what they employee offered me also have emailed the ceo several times which the matter still has yet to be resolved I also ask them to go back an pull the recording since all calls or recorder and monitor still no luck
Product: Credit card or prepaid card

At the end of XX/XX/2021 my citi financial card was lost, and used. The card was at a zero balance prior to me losing it. I called and reported the card lost the moment I found out. Citi advised me NOT to make a payment during the investigation, and told me it will take only 2 weeks. That was 4 months ago. And they reported my account 120 days past due, RUINING MY CREDIT REPORT, I have spent HOURS TALKING TO OVER SEAS CUSTOMER SERVICE REPS THAT HANG UP ON ME, After promising return calls and resolve, NOT ONE TIME HAVE THEY ACTUALLY HELPED. I have called in at least 30 times and spent HOURS AT A TIME HOLDING AND EXPLAINING. I even reported to the credit bureaus but yet they havent been able to help either!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon applying for a loan for a mortgage, i have received at minimum 50 calls in 2days, while Im at work, acquiring about a mortgage loan. My only assumption is the national bureaus, XXXX trans union and XXXX have sold my information to these companies calling me. Its borderline harassment and stopping me from answering calls i actually need to answer for work
Product: Debt collection

Original creditor XXXX XXXX XXXX XXXX also known as Monterey Collection SV has opened a collection on my credit report for XX/XX/2020 with the amount of {$5.00}. I did my research on the company and it's on online program to further your education. I have not signed up to attend school ( during a pandemic ) to further my education. The education I have are through a university and are included in my student loans. I have sent out letters to this company on several occasions with no response and no information on where it shows I signed up for this service. This has been a hassle to get off and I have filed Identity theft with ftc as well. I really need this off of my credit as I am trying to buy a new home for myself and my kids.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and XXXX are furnishings and continue to furnish inaccuracies on my credit report after repeated disputes. The agencies would say that inaccuracies are verified. How did they do this verification process? For example XXXX XXXX has account charged off which is written off so it is considered income which should not be reporting on my credit report and have not received copy B of 1099 for tax purposes. Late payments are also experience I have with the company and should not be reporting, no such thing as late payment. Navy Federal Credit Union has a few accounts on my credit report with inaccuraciesas well. Charge off account written off which is considered income and should not be reporting on my credit report. I have not received any copy B 's of 1099s for tax purposes. XXXX XXXX reporting late payments as well which are the experiences and transactions between me and the company, so there should be no late payments. There is a collection account on my report from a third part in which I do not have a contract with. How is this company furnishing my information without my consent and they have to right to do so.
Product: Credit card

Lands End offers a {$20.00} reward if a new purchase outside of Lands End is made within a certain period. Despite my doing this, they did not send the reward. They sent a lower amount and made it expire quickly, and still have not sent the {$20.00} they advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cavalry SPV I  LLC ( Attorney 's Firm :  XXXX ,  XXXX   XXXX   XXXX  located at  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX , MD  XXXX  ) already collected a full judgment amount associated with a case number  XXXX  and sent me a letter " Satisfaction of Judgment '' back to  XXXX    XXXX  . However, Cavalry has n't filed a Satisfaction of Judgment form with  XXXX   Court  for  XXXX  County and the case still opens. In addition, Cavalry has n't submitted a credit report for this case after collecting a full judgment amount. It results in negative scores on my credit report.
Product: Debt collection

Convergent Outsourcing Inc Is contacting me by mail to collect a debt I do not owe as I am a victim of Identity theft. This is not my account.
Product: Student loan

My loan was transferred to XXXX by XXXX in XXXX of XXXX. Since then, I have been trying to get my account back on in school deferment. At XXXX, my deferment was good through early XXXX. Supposedly the terms of my loan stayed the same, but my deferment did not, and XXXX claims my deferment expired, which is not accurate. Regardless, I have called XXXX numerous times since XXXX to help get me back on deferment. The first few months I was placed on short term forbearance. However, by XXXX they stopped that and started to require payments, even though I am enrolled. I sent XXXX emails, minimum, to XXXX, none of which received a reply. I started to get a collection call once a month, so on XXXX/XXXX/XXXX I called XXXX and spoke to a gentleman who told me that there was a huge backlog at XXXX, so that is why I received no reply to my email inquiry. I asked the man if XXXX goes out to the XXXX clearning house to verify enrolled & he said yes, they did and placed me on hold & then came back and informed me that he could see that " they '' were currently verifying my enrollment status and to " not worry '', in a few days they would be done and my in school deferment would be placed on the account and backdated and my credit would n't be affected. So, I assumed the man representing XXXX knew what he was talking about. Then, on XXXX/XXXX/XXXX I got another call from XXXX stating my payment is delinquent. Of course, the in school deferment STILL is not in place on my account. I called XXXX again on XXXX/XXXX/XXXX and spoke to a lady who placed me on hold for quite some time to " review '' my records, only to come back and say that I had to fill out an request form and take it to my school. When I asked why they could not use the information provided by the 3rd party clearinghouse XXXX, she advised me that, contrary to what I was told XXXX/XXXX/XXXX, they do not verify via a 3rd party. I asked for a supervisor, and I sure got XXXX! Who informed me that the person before DID NOT say what she literally just told me about the XXXX, that customer service does not assist with these matters they request another department, she does not know what the other department did, the guy on XXXX/XXXX/XXXX submitted a request, and the status of that request is that there " is no update '', however, she was not saying the XXXX was checked, and because my payment was late and the length of time it takes ( even though I have been trying to get this done for months ) require me to take time off work to get the In School Deferment request completed by my school. I confirmed on XXXX/XXXX/XXXX with my schools financial aid office that they have reported my enrollment information to the XXXX, so the information is there, XXXX just is not taking the steps necessary to assist me, every call I make I get a new person with a different answer, their customer service apparently does not have the means to assist the customers, and their managers are more interested in being combative than trying to find a solution.
Product: Credit card or prepaid card

There are two accounts from Capital One reporting as a charge-off on my credit report. In XXXX, I submitted a dispute to the credit bureaus and pointed out a discrepancy in the date of last activity. I also submitted a direct dispute to Capital One. 

Upon checking my credit report again now in XXXX, the account has not been corrected or removed. I also see that a remark has been added " account previously in dispute, now resolved ''. I am in complete disagreement as I do not believe my issue has been resolved. 

If these accounts were closed because they were charged-off, how can they report a charge-off each month? These accounts are repeatedly reporting a charge-off every month. This is inaccurate and unfair reporting. 

How can these accounts be reporting without showing the date they were closed? If the date closed is not reporting, then it is unverified information. 

I am attaching a copy of my disputes to demonstrate that the Credit Reporting Agencies and Furnisher were notified that the Capital One accounts on my credit report are reporting inaccurate and incomplete information.
Product: Bank account or service

I am the the personal representative/successor trustee for my mother-in-law, XXXX, who died on XX/XX/XXXX. She maintained checking account and safe deposit box at Bank of America Branch located at XXXX, FL XXXX. 
On XX/XX/XXXX I went to that branch and spoke first with a XXXX and then with the purported branch manager, XXXX. I presented them with copies of pertinent parts of a will, pertinent parts of a trust document, and death certificate and asked to be permitted to search the safe deposit box pursuant to Florida State Statute 655.935. I was denied my right to search the safe deposit box pursuant to valid Florida law. This has caused me time and expense since I do not live in that state and now will have to spend time and money to travel back to Florida as well as retain and pay for an attorney to obtain a court order to force the bank officials to comply with the laws in Florida.
Product: Vehicle loan or lease

Greetings, I have financing my vehicle through Westlake Portfolio Managment. I pay $ XXXX {$590.00} with fees if Im paying it over the phone with an agent instead of automated system which takes longer. I have trying to get an extension because I have XXXX kids XXXX  XXXX XXXX XXXX XXXX XXXX  and a husband to take care for. Westlake always call my phone and threatens to repo my vehicle if I dont make a payment. When I request for an extension they told me I had to pay {$50.00} for an approved extension. So I waited until I had the {$50.00} which was a day after I spoke to West lake portfolio management. I called and made the payment for {$50.00} and was told by a supervisor that she will grant my extension. 2 weeks past I noticed my extension hasnt been granted but now my account says I owe {$1100.00}!! I been paying this company for over 4/5 years now and Im not even half way through paying this auto loan because their interests are so high, they wont lower my payment because they said they dont offer refinancing. Im struggling with this company taking so much money from me please help our family. Their customer service has 0 customer service skills. I just spoke to a customer rep and was told hes going to submit another extension request and this will be the fourth extension since that original one has been made!! There is something sketchy about this company and someone needs to put a stop to their scams. And I now have a {$400.00} late fees that I cant remove because they told me I have to pay it theres no way around it. Please help!
Product: Mortgage

I filed for bankruptcy 12 years ago that was discharge and XXXX/ XXXX XXXX XXXX transferred the loan to RCS ( Residential Credit Service ) and they are now reporting on my credit report and calling for payment.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft in which I properly reported. There is fraud that is reported on my credit report. I asked for signed written contracts stating that I committed these acts. I have yet to receive any contracts to prove that this is my debt. I ask that the errors that I report below be removed immediately. 

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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XXXX/XXXX/2024 bal. {$210.00}. Inquiries : XXXX XXXXXX/XX/XXXXXXXX, XXXX XXXXXX/XX/XXXX XX/XX/XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a dispute regarding the results on my credit results it has been well over 50 days.
Product: Credit reporting or other personal consumer reports

Transunion continues to all XXXX XXXX to report incorrect data on my credit report. They have placed my credit card as a charge off. Instead of delaying payments as discussed. They are also reporting a past due amount as well which is a violation. This is a violation of my consumer rights. I demand that the accounts be deleted off my credit reports Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit report pulled and saw a " Acct in dispute ''  for Citicards CBNA. The c redit report states that the account was closed back in  XXXX - XXXX  and even though I have had many many credit reports pulled since then, this is the first time " Acct in dispute '' has ever shown up.     The remarks on my credit report are : " Closed by Consumer ; acct in dispute ; acct in dispute under fcba/closed by consumer ; paid '' I am not sure what this is for or why it is showing " acct in dispute '' when the account is paid with a {$0.00} balance.     Please help me resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  Account Date Open : XX/XX/XXXX Account Amount : {$1000.00} Account name : XXXX XXXX XXXX Account date open : XX/XX/XXXX Account amount : {$170.00} Account name : XXXX XXXX  XXXX Account date open : XX/XX/XXXX Account amount : {$2100.00} XXXX Account list above 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears. 

15 U.S.C. 16815-2 ( 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: Debt collection

XXXX XXXX, debt collector, sent me an " ABANDONMENT OF ACCELERATION '' on XXXX XXXX, XXXX. However, Bank of America 's agent foreclosed on the property on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Instrument XXXX was recored and executed in the XXXX County Real Property records. 


CAN ACCELERATION BE ABANDONED AFTER THE FORECLOSURE SALE IS COMPLETED?
Product: Mortgage

I was applying for a credit card thru XXXX XXXX XXXX and i did get the c.c .However the agent asked if i was paying a mortgage & i said yes for 10 years. the agent said i may want to contact my mortgage co. because they have not reported it to the credit bureaus! I called numerous times and each time Nationstar employees gave me another dept. to call. The last call was supposely their bankruptcy dept., phone # XXXX XXXX XXXX. I spoke with XXXX and she was confused because they were a law firm that did do some work for Nationstar but was NOT their bankruptcy dept.! She did say that they have had similar calls from other people thinking that they were Nationstar Bankruptcy Dept.! 
I just want my payments to be reported to the credit bureaus but can not contact anyone to even report this to!!!! I am very aggravated.
Product: Credit reporting

As of XX/XX/2017 I have noticed an address on my Equifax credit report that I have never been associated with and would like proof my connection to this address or its immediate deletion.
Product: Credit card or prepaid card

I was approved a well Fargo reflect credit card of XXXX. I paid on time and out of the blue XX/XX/22 my card was closed without no warning explanations or good reasons. I logged in to the Wells Fargo website XXXX day and saw a message saying that my WF credit card account had been closed. No warning, no phone calls, nothing. I still have a balance on the card and they are still asking me to pay it off. The closure of course had a substantial negative impact on my credit score but I don't care about that right now. I'm focused on paying off all my debt and not looking to add any more. What should I do? Can I get them to reinstate my credit card? Should I even bother? Should I refer to the fact that they canceled my card without forewarning, calls, or anything?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account several times it has been paid and was never late. It shows a {$0.00} balance but is still derogatory. This account has been removed but it keeps getting added back to my report