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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Product: Debt collection

I have been writing letters to Chase Bank stating that they are reporting on my credit report a debt that I do not owe. They have sent me letters back stating that the debt is mine and that they will not update the record reflecting that I do not owe this company. They are stating that I owe {$3800.00} which is false. I have asked them to bring forth any original contracts bearing my original signature and they have not been able to do so.
Product: Debt collection

I received a phone call yesterday, XX/XX/2023 and approximately XXXX from First Credit Services . After speaking with them, I was unaware of the debt they stated I owed. I explained that I would like to dispute the debt. The person on the phone gave me my file number and an email I could send information over to. Immediately following the conversation, I wrote out a dispute letter asking for all the information about the debt, wanting proof they can collect debt in the state of North Dakota, etc. If I know my rights correctly, they are not allowed to attempt to collect the debt after the dispute has been made. The gentleman I spoke with on the phone also stated he was making note that I am disputing the debt. Today at roughly XXXX, I received an email from the company with an attempt to collect the debt. The email is a copy of what they would send me in the regular mail to attempt to collect.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX as well as Equifax on multiple occasions regarding Hard inquires that I was unaware of on my consumer report throughout 2023 when I started to assess my reports due to starting the homebuying process in XX/XX/2023. XXXX and Equifax refused to remove these inquires after being told they were unauthorized and that the companies furnishing this information is not able to give me any deletion letter to provide to the bureaus due to me not having an active account. These companies informed me to reach out to the bureaus to dispute with them directly. Over and over XXXX and Equifax have directed me back to the companies even after me providing the information I was given. I was then informed by XXXX XXXX XXXX XXXX who provided me with a file # XXXX as well as XXXX XXXX in XXXX XXXX and Equifax that I had to file a complaint in order to have the inquires removed. Creditors can not lawfully pull your credit report without your written permission until you indicate a desire to get a credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I'M SUBMITTING THIS COMPLIANT BECAUSE MY MORTGAGE IS NOT BEING REPORT TO THE CREDIT BUREAUS AND XXXX XXXX  STATED THEY HAVE BEEN REPORTING IT EVERY MONTH.
Product: Student loan

This has been going on for years now. I try to get my monthly payments lower and they can only give me the the interest only options. My loan was XXXX now is XXXX my monthly payments are too high {$280.00} XXXX asked to pay {$200.00} but was told no on more than one occasion. They say lets look at options lower my interest rate or interest only. Both options keep my payments going up instead of down. I am never paying the on the loan. I have been told by Navient employees to borrow money. get another job, take out a loan and the best one was move in with people to pay my bills. I have felt for years I have had no recourse against them. My only choice has been to stay in this cycle of interest only because that is all I can do. I have submitted twice loan documents to have my loan forgiveness because I went to XXXX and sold a bunch of lies. Twice they have told me they have record of my documents. on XX/XX/XXXX though I was told my documents were there but on the XXXX of XXXX told they don't have them and I should resubmit. Then when the company went with Mohela I felt like it was a bait and switch. Got the news my account was being services by Mohela so thought things would change. Nope when I called on the XXXX found out the person said they are still Navient was just a rebranding. That was not what I was told or sent. Nothing said Navient was being rebranded as Mohela. So now I feel like I was lied to again by Navient because you can never calll there and get the same answer twice. The supervisors are jokes and just as bad as the normal employees if not worse. They have built their business on fear that is why people continue to take their abuse. By the way it is XXXX this loan was disbursed XXXX and repayment started XXXX. This loans should be paid off it says XXXX say refi the loan but you cant because this loan gives you bad credit. This has been goin on for years and no end in sight XXXX is a joke. There job is to keep me owing them and never able to pay it off. My car loan interest is lower and has been than this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CAN NOT BELIEVE THIS I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. These accounts have violated my rights! 
XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violating so many rights!! 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. Please provide original contract with my signature or I expect these accounts to be deleted within 30 days!!!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX is a fraudulent account that XXXX XXXX XXXX keeps reselling and the credit bureaus keep reinseting it without prior notification to me along with not taking into account that this is the same fraudulent account that was already removed from my credit reports. All of the documentation has been submitted to the credit bureaus along with the involved companies and the credit bureaus has failed to bock this account. XXXX, XXXX, Experian. XXXX has had fraud paperwork, along with police reports and identity theft afidavit for over 2 months and has not completed the investigation. It has been over 60 days and XXXX refuses to remove these fraudulent accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. in accordance to the FCRA. Both XXXX and XXXX has removed these accounts and blocked them. XXXX has not completed this investigation in over 60 days
Product: Credit reporting or other personal consumer reports

My XXXX XXXX Account has been paid in full as of XX/XX/24 and has been updated correctly on my XXXX credit file. Equifax and XXXX are still showing a high balance of over {$10000.00} even though my account has a XXXX balance. After speaking with XXXX at XXXX XXXX today ( confirmation # XXXX ), I've been informed that XXXX XXXX has already updated the information to the bureaus, and it's correct, and they have no control over what Equifax and XXXX are showing on my report. She was also unwilling to transfer me to XXXX XXXX credit dispute division and stated they do not speak to customers.
Product: Bank account or service

I have called Chase on multiple occasions to confirm their process on overdraft fees and was consistently told pending charges process at XXXX eastern ( one person even said XXXX ). I have on at least 3 occasions now been charged overdraft fees for charges listed as pending after this time and for which a deposit was made. excuses range from 'that shouldnt have happened ' to 'your deposit was pending '. I have never been charged an overdraft fee or been denied access to funds when my direct deposit hit, so I do n't know they are consistent in answering this. To date I have paid at least {$170.00} fees in this manner, where a charge is listed as pending after their processing time, a deposit is made, and I am still retroactively charged an overdraft fee. I have also paid fees, even after Chase 's settlement, for their stacking of charges to maximize overdraft fees.
Product: Mortgage

When I logged in to the NewRez website to make my XX/XX/2021 payment of {$850.00}, I realized that I had missed making my XX/XX/2021 payment. I immediately called NewRez and made a payment over the phone for both XXXX and XXXX authorizing an amount of {$1700.00}. The representative made a mistake and processed the payment of {$1700.00} twice but immediately cancelled the duplicate payment. Since the correction, my online payment history, principal balance and escrow balance appear to be incorrect.
Product: Credit reporting or other personal consumer reports

Hello, I am reaching out to request an investigation into these accounts, as their accuracy on my credit report seems questionable. These accounts had been removed before but were reinstated without my knowledge. I was neither informed of this reinstatement nor received any correspondence about it via mail.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house and noticed i had damages on my credit report and according to 15 US c 1681 law there should not be any damage to my report this is defamation of charater
Product: Money transfer, virtual currency, or money service

Western union is irresponsible, not calling me back when the money transfer make was not deposited into my account on the date they promised. XXXX usd was transferred and they still could not trace the money after 5 days has passed. 
XXXX XXXXXXXX
Product: Credit card or prepaid card

The following information is in response to a charge dated on XX/XX/XXXX on my American Express card in the amount of {$2000.00}. This charge was processed with intent to defraud and processed by another unknown corporation. The services purchased were from XXXX XXXX XXXX, XXXX, XXXX XXXX and services were never provided. The company who charged our American Express card, I have never heard or done business with - XXXX XXXX. I have attempted to chargeback with American Express but the merchant provided fraudulent information to American Express and the dispute was denied and closed. 

On XX/XX/XXXX - XXXX XXXX responded to my inquiry and emailed me from the domain email address 'XXXXXXXXXXXX ' and provided me with information regarding credit services. Please take notice at the bottom of his email, it also states ; " To Stop Receiving these E-Mails, please Unsubscribe by clicking the Link below : XXXX XXXX XXXX XXXX XXXX XXXX ' A copy of the email is attached - exhibit 1 XXXX XXXX XXXX is the corporation that owns and operates XXXX based on their own website Terms of Use. 

A copy of the website - Terms of Use webpage is attached - exhibit 2 On XX/XX/XXXX - Email containing copies of American Express were sent to XXXXXXXXXXXX. 

A copy of the email is attached - exhibit 3 On XX/XX/XXXX Email sent to XXXXXXXXXXXX regarding no response for over a month after the original purchase date. 

A copy of the email is attached exhibit 4 The agreement and purchase was only with XXXX, owned and operated by XXXX XXXX XXXXXXXX XXXX based on their own website address and XXXX Terms of Use. Services were never provided. 

My American Express was charged by XXXX XXXX which is apparently an entirely separate corporation. No authorization was issued and no representation was ever made authorizing payment to XXXX XXXX. Im disputing the entire {$2000.00} charge and requesting the CFPB to intervene.
Product: Credit card or prepaid card

Today  XXXX / XXXX /  XXXX  , I tried to contact the compa ny US  Bank to settle all the charges in my account, do not agred with all the interest charges they charge me twice on the same day, have me in collections for late fees, when been making my payments on time.     Any help, I appreciated it. Thanks.      XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AND XXXX  ARE IN COLLUSSION TOGETHER, INTERFERING WITH THE FINANCIAL CREDIT APPARATUS, OR TRIANLE, CONSUMER, CREDITOR & CRA. XXXX XXXX MUST CONTACT XXXX   TO UN BLOCK OUR CREDIT FILES IN ORDER TO RE-INSERT LOAN NO.XXXX, GET A FORM TO RE-INSERT.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed two accounts that were not reporting accurately. one was XXXX for XX/XX/2024 and the other was XXXX XXXX on XX/XX/2024 that were in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. Both accounts have not been late on payments and I've attached a copy of my report to this complaint on the following dates, I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

USAA BANK WILL HOLD MY DEPOSIT UNTIL AFTER NSF FEES HIT MY ACCOUNT ; THEN THEY WILL DEPOSIT MY FUNDS. I BELIEVE THEY ARE DOING SOME DECEPTIVE PRACTICES WITH NSF FEES.
Product: Checking or savings account

I got a email XX/XX/XXXX stating I need to call NetSpend about my account being restricted and I have been calling since XX/XX/XXXX no one gets on the phone. Then I got a call from someone stating I needed to submit my ID and a piece of mail proving who I am I did that on XX/XX/XXXX and every since then no one responds I can't access none of money. I contacted Social Security to see if they can get my funds back that was deposited on XX/XX/XXXX they explained to me that once it's deposited they can't do anything but they will make sure no future payments will go into the account. I have notified any and everyone associated with NetSpend no one will help me just says call NetSpend I have contacted attorneys and my local news station waiting to hear back. I will be evicted from my home and loose my car can't pay my bills buy food for my family. I will be filing fraud charges pain and suffering and anything else I can do I need someone to help get my funds so I can be done with NetSpend. Please help me
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I visited a local auto dealership to inquire about obtaining a larger vehicle. Credit was denied. ( see attached correspondence from XXXX XXXX XXXX XXXX ). 

In XXXX of XXXX, I was granted full bankruptcy relief as a result of being a XXXX and XXXX to a daughter with XXXX XXXX Our/my debts were the direct and indirect result of her medical condition. She passed away in XXXX of XXXX. 

In XX/XX/XXXX, I secured full-time employment with XXXX XXXX XXXX XXXX My starting salary offer was {$83000.00} and in XX/XX/XXXX, when this credit report was obtained my salary was {$100000.00}. 

Despite these verifiable facts, I was denied credit. Citing " excessive obligations in relation to income '', the credit bureaus are continuing to wreak havoc on my reputation and finances. I have one car loan, I rent, have no credit cards/debt, or student loan debt, yet, I was denied credit.

PLEASE HELP ME/US. The credit bureaus are archaic and ineffective and are hurting millions of American families.
Product: Credit card

I paid my Capital One credit card payment on the due date of XX/XX/year>, using the Capital One credit card website. Because the payment was made after 8 pm, they considered it late and charged me a late payment fee of {$25.00}, as well as an interest fee of {$49.00}. 

Capital One has agreed to waive these fees this time, but the policy is unfair and misleading. If a payment is made anytime before the end of the due date, it needs to be considered an on time payment.
Product: Debt collection

I was in the hospital in the summer of 2021. I was paid my hospital soon after my release. In the last 60 days Ive received communication a collection agency called stallings financial on behalf on XXXX XXXX XXXX XXXX. I found out out that theyre a separate bill from a XXXX that i saw that i did not receive. Upon talking to the XXXX of the employees the specialists office ; i was told that the bill was sent to the wrong address since i moved a couple or so after the hospital stay in 2021. Upon calling my insurance, i was told that the bill was not submitted to the insurance unlike the other bills that were reviewed. I contacted the specialists office to let them know they need to resubmit the bill and talk to the debt collector so they can remove the reporting they made on my credit. The office wont do a thing until they hear back from the insurance meanwhile the debt collector keeps on contacting me and telling me to tell the XXXX infectious XXXX to call them and give them an update. I dont think it make sense for these individuals to hold my credit XXXX for their mistake of not billing the insurance and not communications properly that i would receive XXXX different bills from the hospital.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports, and I noticed these inaccurate accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, 15 U.S.C. 1681b ( a ) ( 2 ) stipulates that a consumer reporting agency may not furnish a consumer report without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 1 ) Account Name : XXXX XXXXXXXX Account Number : XXXX Amount : {$780.00} 2 ) Account Name : XXXX XXXX Account Number : XXXX Amount : {$660.00} 3 ) Account Name : XXXX XXXXXXXX Account Number : XXXX Amount : {$5100.00} paid by my insurance I also have XXXX insurance with them at the time 4 ) Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$150.00} 5 ) Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$760.00} 6 ) Account Name : XXXX XXXX Account Number : XXXX Amount : {$730.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you
Product: Student loan

AES is servicing debt from a XXXX but I never signed anything from XXXX, I have no proof that they still own the debt which is required. I have asked for proof but AES claims they only service the loans but they should have that information before they collect any money from someone. I need proof that AES is suppose to collect on this loan and all negative credit marks should be removed by law since no one ever inform me that XXXX purchased this debt. I talked with the credit bureaus and they told me that AES must have this information in order to collect on this loan. I never received and I have recorded calls to prove it. I also recorded other calls and they did not give the mini Miranda on the last XXXX calls with them which I have recorded as proof because I do not trust AES, they are criminals and should be arrested. AES often gives out bad information, their automated system gives out the wrong amount which I have recorded and the supervisor on XXXX/XXXX/15 acknowledged the system was incorrect but they never fixed it. This is illegal per federal law therefore all credit marks should be removed. I need all of the credit marks removed so I can get the loans consolidated with a new company that I trust. XXXX XXXX keeps claiming that I am lying even though I have the recorded calls to prove it. The reps clearly do n't know what they are talking about, XXXX told me they did not have to send me proof that XXXX owns this debt even though they send letter saying I owe every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for one from them. 
I was told this inquiry would be removed and still hasn't XXXX and XXXX were also gon na remove it but still have yet to do so.
Product: Payday loan, title loan, or personal loan

I took at payday loan out for XXXX and I'm paying 780 % back! I didn't realize they were charhing me that much of a percentage and i think its ridiculous. This company is making over XXXX back for a XXXX dollar loan I took out. Its a year long loan. I pay XXXX bi weeklyb had i known it was that high percentage I would've borrow money from a friend! Please look into this matter as they should not be charging 780 %