23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I contacted professional collector corporation back in XX/XX/XXXXXXXX XXXX XXXX They are saying that at the time I owed a bill to XXXXXXXX XXXX XXXX for {$4000.00} dated XXXX XXXX  said they didnt have this bill. Pcc they are reporting a total of 14 bills on my XXXX and XXXX now I am sure there are more credit reporting agencies that they are putting these fake bills on. All of these bills are fake. They put doubled the fake dates and the amounts. All of these bills are not legal. Professional collector corporation is putting these bills on my credit report when not one of these bills is legitimate. I have tried 3 times in the last 3 months to get these bills off of my XXXX and XXXX. I keep getting letters from XXXX saying the one bill was legit. These bills are not part of any lawsuit. These bills are past the statute of limitations of Wisconsin which is 6 years. Most of these bills are dated from XXXX and 1 bill from XXXX. If this company is doing this to me. How many other victims are out there that they are doing this to? They are trying to collect money that doesnt exist to anyone. They are trying to steal money from the American people. The sad thing about this if the Wisconsin department of financial institutions would had done there job they would have had there license taken from them and would not be doing this to me.
Product: Checking or savings account

Date : XX/XX/2023 Issue : Account Limitation My account in Paypal is new but When I received 1 transaction my account was permanently limited.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, are not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have used my XXXX XXXX credit  card  since XX/XX/XXXX, but closed this account in XX/XX/XXXX after paying a final balance whihc was under {$10.00} due to an annual fee. I have been trying to refinance my home and was advised to pay off entirely and then close this credit card in early XXXX. I used the card for the final time to purchase gas in XX/XX/XXXX. I then paid the entire balance in XX/XX/XXXX down to {$0.00}. I called the company and notified them I wanted to close the account and I was advised I had to pay the XX/XX/XXXX annual fee. I was then charged an annual fee of {$8.00} in XX/XX/XXXX with .XXXX cents in interest, I made a payment then of {$8.00} to pay off the balance entirely again on XX/XX/XXXX and again stated I wanted to close the account. I do not receive e-mails or hard copy mail from XXXX XXXX Credit Card Company  and other than monitoring to make sure my balance was 0 on my credit report I did not check the company website for statements as I had requested twice that the account be closed. Then without any notice the company kept my account open and on XX/XX/XXXX charged me another annual fee of {$8.00} and also a late fee of {$8.00}, again I received no billing, no statement was sent to me, I was not using this card, and had closed the account. Then this company charged me another series of late fees including a {$25.00} late fee and more annual fees totaling a {$59.00} balance ( none of which was me actually using the card on this supposed to be closed account ) and then reported to the credit agencies that I was delinquent in the payment. I have been in the hospital at XXXX XXXX XXXX in XXXX XXXX for XXXX complications since XX/XX/XXXX as my XXXX XXXX at XXXX  XXXX XXXX. It was here in the hospital, where I will remain for another 2-3 weeks until the XXXX of XXXX XXXX, where I was notified by XXXX credit monitoring that this account was never closed and this company has been charging me repeated " annual '' fees and late fees and reported my account as delinquent. I have not used this card in months and have repeatedly made attempts to close it and have always paid every balance to {$0.00}. I immediately paid the balance of {$59.00} despite believing it to be fraudulent in the hopes of protecting my credit and having the negative reporting reversed. I have called the company and spoken to numerous " supervisors '' and my requests to have this rectified have been " denied. '' I am attaching statements I got only from logging in to the website these statements are screenshots and were never sent to me in any form.
Product: Credit card or prepaid card

Since XXXX 2017 I 've been trying to resolve a dispute of {$2700.00}. My dispute has gone on deaf ears. I was charged {$2700.00} for a service that I 've never received. The company cancelled my service a couple days before The due date. They responded to the dispute credit card with a Copy of my signature on a contract that clearly stated if my XXXX was canceled by me they would keep {$100.00} of the money. Contract does not state what would happen if the surgeon canceled the XXXX. In my case the surgeon canceled the XXXX service. I did not cancel I was entitled to 100 % refund. Citi has not been helpful in my dispute. I Have sent several emails back-and-forth with the credit card company. including many calls. i was charged {$2700.00} by XXXX XXXX XXXX for a XXXX service that I never received and I 'm still required to pay. The credit card company is not crediting my account for that amount. Very same company named XXXX XXXX XXXX went ahead, without my permission and charge an additional {$100.00} of which I 'm also trying to dispute with the Credit card company and it still shows as processing. So far I 'm disputing two transactions that total {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a address in my credit report I have never lived XXXX XXXX XXXX XXXX XXXX, fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 CONSUMER ADJ CO added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA CONSUMER ADJ CO has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Bank account or service

Please see the attached cover letter. It pertains to significant fraud that has been allowed to go on within many of the largest XXXX. 

Please make a good faith effort to investigate and stop these practices in a timely manner. No disrespect intended but it would be unwell for the media to report in 2023 that these companies knew of this fraud 7 years earlier. 

It is estimated that at least XXXX XXXX consumers have been adversely affected by these bad actions.
Product: Mortgage

1. I have been trying to get refunded from over-payments that I had sent to XXXX via XXXX XXXX in XXXX, NC. XXXX XXXX office acknowledged that I did make the overpayments to them, but they had sent it to CORELOGIC an associate company with XXXX. XXXX said that they had put all of the money into my escrow account, but there was nothing there except {$250.00}. I have had the home for over 8 years, yet on my yearly receipts it showed that the mortgage of {$110000.00} remains the same ; therefore, I owe XXXX the same amount of mortgage as I had borrowed -- despite years of paying my mortgage. Anyway, I tried to get my refund from XXXX, and was asked to speak with XXXX XXXX who has been nothing but an XXXX. He keeps twisting my words, talking over me, etc. He is refusing to acknowledge the documentation that I sent him including the cancelled checks that XXXX XXXX had cashed. He acknowledges that I am owed monies, but he refuses to give me a summary and check. He wants me to tell him how much I am owed. 

2. Also, I want to know why my mortgage of {$110000.00} has not changed since I purchased the house, or why I have never had any monies in my escrow account except for {$250.00}. He wo n't explain that to me. I did do a XXXX refinance of {$4000.00} last year to save my home from foreclosure, but it still does n't explain why I had no monies in my escrow account and why my mortgage has never been reduced despite paying my mortgage for the 8 years I have had the home. 

3. Also, I need to find another mortgage holder to take it from XXXX.
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 USC 1618 section 602 states I have the right to privacy.

15 USC 1618 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite having credit freeze and fraud alert, Equifax placed XXXX hard inquires on my account. They refused to conduct an investigation or even provide details on who made the inquires. Here is what they placed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX - XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 2022
Product: Credit card or prepaid card

I spoke to credit card representative in regards to a late payment and was discriminated again based upon my card being a secured card and I was basically told by the representative that because of this card my financial status that I was not able and couldn't get any information in regards to my account and she basically told me if I didn't like it to go somewhere else. I asked to speak to a supervisor in regards to this and was told that I could not. I was hung up on and unable to follow back up with
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX account XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureau 's expected or damages will be sought after. 

All accounts in dispute listed below.
Product: Debt collection

Due to underemployment and XXXX XXXX XXXX and XXXX, my part-time work earnings could no longer pay my mortgage as of XX/XX/XXXX. I am seven months post-XXXX hearing and the judge on my case can not make a decision. I never dreamed I would be waiting this long for back pay owed me under XXXX after working full-time over 43 years of my life. I started collecting Social Security on XX/XX/XXXX which is helpful added to my part-time salary. XXXX is the debt collector for Chase who holds my mortgage. I applied and they denied me mortgage assistance this spring. I spoke with XXXX XXXX and participated in a lengthy financial counseling session with XXXX XXXX XXXX as advised. I also applied online and traveled to HUD onXX/XX/XXXX for a XXXX XXXX grant. While visiting my only surviving relative, XXXX mailed threatening paperwork for a Trial Period Plan demanding payment of {$1100.00} by XX/XX/XXXX or my home would proceed to foreclosure. I found it odd that XX/XX/XXXX would be a deadline date in this country, but I called XXXX that day after arriving home and no one answered or returned my call. When I spoke with XXXX, the newly assigned XXXX Relationship Mgr. days later, she was abusive, threatening to assign a sale date to my home if I did n't cooperate. She said, and I quote : " You 're not taking this seriously. '' I was crying and in XXXX XXXX. I explained that I had a HUD meeting for a grant to cure my mortgage loan coming up onXX/XX/XXXX and she said government programs take a very long time, I 've seen many denied and just remember, get the money in by XX/XX/XXXX or your home is for sale. I spoke with XXXX XXXX and they told me to report XXXX. She is NOT the Sheriff and is NOT in a position to threaten to sell my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received i letter from Car Mart stated I was granted a settlement of {$4200.00} for a vehicle I had repossessed. The agreement was to have that amount paid by XXXX XXXX. I paid it off XX/XX/2022. The company will not updated my information to the credit bureau even after dispute. I have proof of letters and receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Student loan

My complaint is in regards to the way Navient handles cosigner release. Their system is highly unfair and places unrealistic expectations onto borrowers, only to potentially be rejected anyway because application decisions are made at Navient 's discretion ( which I am certain means they have every right to reject any application simply because they feel like it and not for a legitimate reason ).

I applied for cosigner release once in the past, only to be told that I was ineligible for it due to my enrollment in an income-based repayment program ( which Navient itself does not offer ). I believed at the time this was due to my federal loans being enrolled in Income-Based Repayment ( IBR ) prior to my federal loans being serviced by XXXX. 

However, upon taking a closer look at the terms and conditions of cosigner release, I am also ineligible for this service currently because of the fact I am enrolled in an Extended repayment plan rather than the XXXX repayment plan. On top of this, I would also be expected to make twelve consecutive on-time payments, which is the only reasonable stipulation they have.

This is very unfair to borrowers. They and their cosigners should not be punished with ineligibility for cosigner release just because of the plan the borrower is enrolled in. Navient places too many obstacles in the way because they want to ensure that their borrowers never have the opportunity to release their cosigners. I can not speak for anyone else, but my cosigner is in their XXXX and they should not have to worry about having this hanging over their heads. 

In addition, it is my understanding that cosigner release, once the application is received, can take up to two years to go through and for the cosigner to actually be released from the borrower 's account. This is a wholly arbitrary and unnecessary period of time with no basis whatsoever in logic. There is no reason at all that simply removing a name from an account should take 24 months on top of everything else.

Furthermore, Navient requires a copy of the borrower 's credit report, college diploma, transcript. Again, more unnecessary documentation. It should not matter what my credit score is or whether or not I graduated college. Neither of these has any bearing at all on the debt someone holds with Navient.

I fully believe this is yet another attempt by Navient to discourage borrowers from trying to free their cosigners. This decision-making process should take no more than 6-8 weeks maximum. I have never once heard of anyone successfully having their cosigner released, either from Navient or any other student loan lender, so why is it even offered when no one can make use of it?

It also seems highly unnecessary for Navient to need to know things such as my employer, my income, my rent and my other monthly payments, as well as requiring proof of income and tax forms. Their only concern should be whether or not I make my payments to them every month. They have no need for this additional information, yet they require borrowers to fill out a form including all of this before they will even consider releasing the borrower 's cosigner.
Product: Credit reporting

# 1 XXXX XXXX finance I have paid this for almost 5 years they refuse to show my payments says balance? and paying as agreed. 
# 2 XXXX bank this account is a XXXX balance it should reflect that # 3 XXXX bank this account is a XXXX balance it should reflect thatNj Federal court says under investigation and has for over a year correct me if I 'm wrong but if they can not verify an account under the fair credit reporting act do n't they have to remove
Product: Prepaid card

I was given a {$15.00} online American Express rewards card, and I am unable to use it. I have tried ivermectin and over again to make various purchases, but the card is always declined. I know I have the card number and ccv number correct, but it still will not work. I read over the instructions on the American Express website, and they didn't help me at all. I have not contacted the company directly yet, but I shouldn't have to. Using a prepaid card should be easy. I've had countless prepaid XXXX cards in the past and never once had nay issue. Hopefully I won't be gifted an American Express rewards card again.
Product: Debt collection

XX/XX/2022, Southwest Credit Systems opened a collection account in my name. 
The account info is XXXX. The amount owed is {$780.00}. 
I have never signed any written documents stating that I owe any debt to this company. 
My rights are being violated under the FCRA as a consumer. 
I have never dealt with this collector before and have not given my written consent. 
It has not been verified that I owe this debt to Southwest Credit Systems. 
My hope is to have this collection removed from all three credit bureaus. 


XXXX XXXX
Product: Credit card

On my Capital One credit cards ending in XXXX and XXXX there was multiple fraudulent purchases. Capital One denied my request for reimbursement for these charges despite sending in a police report showing the charges were not made by me. These charges should be reversed right away as Capital One advertises a XXXX dollar fraud liability guarantee. In addition to this Capital One sent me a letter on XX/XX/2024 saying that the case was resolved thanks to it's {$0.00} fraud protection guarantee. When I checked the charges on the account, all the fraud was wrongly rebilled to my account making me responsible to pay a bill for items that I never purchased and have no knowledge of buying. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report incorrect and illegal information on my consumer report. I have been trying to get this information corrected and they refuse to make the corrections. I have again sent a certified letter to Equifax with Exhibits highlighting the personal information and the accounts that are all reflecting incorrect reporting. They have been tarnishing my reputation and hindering me and my credit worthiness. This false reporting has been causing me undue hardship as I have not been able to successfully obtain a vehicle and affordable domicile. It is their grave responsibility by law to report correct information on a consumer 's report and also do their due diligence in verifying the information that is being reported to them from creditors before even reporting anything on a consumer 's report. Had this been done, most of these accounts would not have been reported to being with. There are multiple accounts that are have inconsistent information being reported across all 3 credit reporting agencies including personal info, account numbers, open date, closed dates, amount owed, payment history. I have attached the documents to this complaint that have been notarized and certified mailed to Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on a credit report with one of the credit reporting agencies. 
After applying for a credit card with XXXX XXXX XXXX, I was denied a credit card because of the following reason : You have a closed account with an outstanding balance from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Number : XXXX This is not mine. 

XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX Account Number : XXXX This is not mine. 

XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX i disputed with creditor over falsely claiming to report to the XXXX major credit bureaus after acount had been open more than 6 months. I requested to have account cancelled and pay of the remaining balance without further interest accumulating. After agreeing verbally by phone the account immeadiately went to a collections account, XXXX managment services, with full interest. The XXXX XXXX account then shows up only on my transunion report as a charge - off which i find completely un acceptable to the terms agreed to especially after falsely advertising their product