23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I attempted to open a investment account with Cash App on XX/XX/XXXX and got a message that there is already an account associated with my social security number. I followed the directions and emailed them and let them know that I did not have an account and my concern that someone was fraudulently using my social security number. I had to send them a selfie with my ID and social security card and pictures of my ID and social security card. I wasn't comfortable doing this but it appeared to be the only way to prove it was my SSN. I don't know why someone else was able to open an account so easily without the same verification. I emailed my ID on the XXXX and my SS card on the XXXX and haven't heard anything. I emailed them for a status update on XX/XX/XXXX and was told they are looking into it. I find it alarming that someone is able to use my SSN and they have been aware for almost a month and have done nothing. Thanks for you help in resolving this matter.
Product: Credit card

On XX/XX/XXXX, I noticed some unauthorize charges on my Self Finacial Credit card app from XXXX and XXXX XXXX. I contacted Self financial and informed them that I did not authorize these charges and that my credit card must have been breached. I was informed that my credit card would be cancelled, and I was given an email to reorder a new card. I never reordered a new card because I wanted to have the issue resolved before I continue to use their services. Initially after an investigation I was informed that the charges would be removed. I then received a letter in the mail that the charges would be reinstated because self has documentation that I authorized the charges and if I would like the documentation, I could call the number on the letter and receive a copy of the proof. I contacted Self on 2 occasions requesting this information. The only thing I receivds was a copy of the first letter ( I have attached ) 5 times with no proof of authorization. I am requesting to have this investigated. 

XX/XX/XXXX XXXX XXXX {$59.00} XX/XX/XXXX XXXX XXXX {$53.00} XX/XX/XXXX XXXX XXXX  {$21.00} XX/XX/XXXX XXXX XXXX  {$37.00} XX/XX/XXXXXXXX XXXX XXXX {$39.00} XX/XX/XXXX XXXX XXXX {$36.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX XXXX XXXX XXXX to review my credit report. I have a extend fraud alert on my credit reports. XXXX XXXX XXXX XXXX did not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and Experian reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.
Product: Debt collection

I 've been having harassing calls from XXXX management companies for months. My insurance company informed me to file a formal report with them because this was a known scam to them. These calls have persisted and they have some how gotten more and more person medical information about me and even now know where I live. The calls went from just other states to right here in my home town. Some of these numbers pop up on google with some pretty scary web links. ( I never open them ) My problem started after I started rejected there calls and after telling them I had reported them. Insurance company told me to tell them this. I then started getting calls from RPM, Receivables Management Performance. At XXXX I thought it was the same scam XXXX from before so I did n't answer. They started leaving numerous messages stated they were RPM a debt collecting company trying to collect a debt. Knowing that All my debt is paid off I immediately went to check my credit score. There it shows I XXXXwireless XXXX. How ever the phone account is n't in my name. Never has been. Nor under my social. So I found this very odd. It then said the original company charged me in XXXX XX/XX/2014 for the XXXX but never received. So I went to our phone statements knowing were not behind looking for this charge. XXXX never charged XXXX for any services additional to our normal bill. Payment history shows every payment has been made on time. I also never received calls from XXXX. I have tried answering the calls from RPM. They either announce who they are and then hang up, Hang up the XXXX I answer, or speak some other language real quick then hang up. Either way they never actually try to collect nor let me dispute the charges. They call every day between XXXX times. Different numbers. This is the absolute only debt I have showing on my credit and like I said before XXXX is not my account. I 've never had any wireless company account in my name. I looked this company up. There are many complaints about RPM. Hang ups, harassing calls, fraudulent charges for items people have never had. Even filed through the BBB people have these complaints and yet they still receive a XXXX star rating. Im not sure how these people are allowed to be in business. I would like this inaccurate debit removed and investigated so hopefully they do n't try again.
Product: Student loan

Original Inquiry : My compliant is with Nelnet. Apparently they handle DOE cases but I have compliant which needs to be heard. My case was opened on XX/XX/XXXX to discharge my federal student loan based on my XXXX-confirmed by the Social Security Administration. I changed my status to Veterans Administration XXXX XXXX. It has been seven months since changing my XXXX status, nine months since my case was opened and three months since I supplied additional documentation. Nelnet has responded, in an unprofessional manner, confusing correspondence and an extremely slow response. It is painful working with Nelnet. They have the VA and Social Security XXXX form Please advice Sent On - XX/XX/XXXX I  appologize for attachingidentifiable info but it's important to see my VA rating Case Number
Product: Debt collection

On XX/XX/2021, I sent in a request for validation to said company Hunter Warfield , Inc Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I also sent another request for validation on XX/XX/2021. I have not received any correspondence back from company! It is now XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries that I do not recognize. I have contacted all 3 CRAs and they refused to dispute or investigate the inquiries. Attached is a FTC report, indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681b ( c ) furnishing reports and connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries : except as provided in the section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not in initiated by a consumer.
Product: Credit reporting or other personal consumer reports

While I paid this debt off in full, the company is still reporting this XXXX as a XXXX XXXX. I have {$0.00} balance and I paid them in full. So the account status is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax about the information they had in the system on my current address. they show my current address as a place I have not lived since XXXX. They had the current address as a Colorado address I left in XXXX and when I disputed the info they did not look at my documents showing my current. I attached a bank statement showing current address but they did what they do, screw things up. I tried to dispute the info again and now I am unable to attach any documents. I emailed the documents to their ETsupport and am still waiting. XXXX and XXXX have already fixed the address change but Equifax will not. I figured I would contact you first before I hand it over to an attorney to sue them for reporting false information. I just need it fixed so we may buy some property. PLEASE HELP
Product: Debt collection

We moved from XXXX XXXX XXXX XXXX in XXXX 2015 due to noise and trash complaints ( I have photos and video ) and was sent an unverified debt 6 months later of {$4400.00}. It has been brought to my attention that national credit systems is not licensed to collect in the state of Texas. 
I have attached a photo of so much trash my husbands white truck was blocked in. 
And a video of our neighbor playing drums, these things happened multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is on my credit report. This account does not belong to me. Here is the information : XXXX XXXX Account # XXXX, opened XX/XX/22
Product: Credit reporting or other personal consumer reports

Credit Bureau filed to comply with me and company to prove ownership of debt and correct amount for companies on all three credit bureaus and my personal credit files ... .No proof ... no contracts..
Product: Debt collection

On XX/XX/2024, I was served a complaint in the District Court of the county that I live in by the Plaintiff identified as Midland Credit Management , INC ( MCM ). MCM filed a lawsuit claiming that they had purchased a debt that I had and is trying to claim damages on the account. MCM failed to do the following, which is a violation of the Fair Debt Collections Act and a consumer protection act in my state, 1. MCM never validated the debt with myself and I never had a chance to do so. 2. MCM never sent a notice to take legal action and did not include this notice in their filing.
Product: Credit card or prepaid card

XX/XX/22 Top of the day, I tried to make a payment for services via XXXX  when my card declined. I than contacted Amex @ XXXX and got transferred to a rep named XXXX, she asked me a few verifying questions and stated " your card is unblocked now ''. I stayed on the phone to see if my transaction would go through and it declined, she than stated " Please get the account holder on the phone there are things in the account she can not talk to me about '' ... I advised that I was labeled as account manager on a previous call how's so? She than stated not for everything. I proceeded to get the account holder on the line and prior to me even greeting the account holder she rudely cut me off .... : :at this point I am startled by the treatment : : She than stated to the account holder about the usage on the card and now there is a new limit on the card : :by the way this is a no preset limit card that balance was once as high as $ XXXX with no payment issues : : She stated the limit is now $ XXXX and you are over the limit so how would you like to make your payment today? Of course the account holder not moved by the payment amount but moved by how suddenly the account is now over the limit and now that makes and effect on how the XXXX will look. I advised to the rep did she know what that does to the company? Are ability for future lending will be compromised and not only that we've already paid our hefty membership fee to be apart of your " exclusive club '' and had NO prior payment issues. The rep than stated AMEX is taking a loss too ... .I asked how so? Are you assuming I'm not making the payment and now closing the account?. The rep stated she will get a supervisor on the line... ..We still haven't spoken to a supervisor and time is passing
Product: Credit card

I have had automatic payment option in place for years now and I have recently been charged late and other fees by American Express and its affiliated claiming my payment were late. My payment can not be late if an autopay is in place for at least 5 days before my payment due date. I have requested proof and waiver of any and all fees charged. Yet American Express much like any other big bank bulldozers over customers and they simply dont care because they always get away with it. I want Amex and other companies to pay a hefty fine yo see how does it feel for them robbing customers off their hard earned money. I have been American Express card member since 2006 and I have never s en this level of unfairness until this past year upto now. This big merchant and banks need to be taught a lesson
Product: Credit reporting, credit repair services, or other personal consumer reports

Infiniti financial reported me 30 days late in XXXX/XXXX 2020. I contacted the company about the credit reporting of 30 days late. They informed me that they never reported me 30 days late. Despite them denying the fact that they reported me 30 days late in XXXX /XX/XX/2020, my credit report still reflects 30 days late in XXXX/ XX/XX/2020. Also, I filled out a credit dispute on the 30 days late with XXXX, XXXX, and XXXX. My credit reports reflect that dispute was resolved, yet I still have 30 days past due showing on my credit report for XXXX/XX/XX/2020. This issue never was resolved. 
My credit score dropped over 60 points from this misreporting/ error on my credit report. I'm suffering greatly from this misreporting and have been denied for car refinance loan and debt consolidation loan due because the 30 days past due and my credit score dropping over 60 points. Lastly, I contacted Infiniti in XXXX and XX/XX/2020 via phone and letter. I never received any correspondence from the letter to Infiniti at all.
Product: Money transfer, virtual currency, or money service

XX/XX/year> XXXX hours Ive arrive to the Well Fargos in XXXX XXXX, New Jersey. I plans were to deposit a check with the desk. As I am standing on line, a male employee ( possibly a manager ), came up to me to attempt to service me. I expressed to him that I had a check I wanted to deposit. He replied, you can do it at the ATM. Which were located in the front of the building. My rebuttal was that, It was a lot of money. As someone who is suppose to service me, looked me up and down. Then proceeded to say, There is only a limit on the app. 
Furthermore, I was forced to deposit XXXX XXXX dollars into an ATM. An hour late, my lawyer contacts me because the Wells Fargos fraud Unit contacted him on behalf of the check. They need credentials from him and his law firm, they also froze my account. This all could have been avoided if I was properly serviced. I believe that this man racially profiled me, didnt want to service me, and didnt believe I could have that much money on me. Would if I had bills due? Now I cant even touch my money. I am very upset!
Product: Credit card or prepaid card

Bought an engagement ring last XX/XX/2018 through syncrony bank. They constantly took payments from my bank account yet claimed they never got them. Made multiple double payments which they claimed they never got. They raised my balance that was paid down to XXXX dollars to well over XXXX which i never even spent that much to begin with. Put my account 90 days late, closed they account and sent it to collections even showing them proof all payments were paid. I provided them with dates over the phone that payments exites my account. The bank then closed my account due to it looking like fraud as payments were taken out but they never got them. 3 payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all disappeared. Ive never had a late payment on any credit card or mortgages in over 13 years except from this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

remove negative accounts From Experian. 

Both medical accounts are fraudulent. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I wrote to XXXX requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.
Product: Student loan

I was making payments and then my account was sold to another company and I was not forwarded any information on where to send the other payments to. This has now resulted in them trying to garnish my wages. I barely make any money now and have XXXX kids that I am responsible for. I feel like this is unfair because I literally have tried to contact someone to try and set up payment arrangements but every time they just say, we do n't own the account anymore and give me a new number and contact, just for them to say the same thing. It is really unfortunate and the fact that I took out student loans to help for college feels like the worst mistake I ever made. I feel like a prisoner. I am scared. My private student loans are with national collegiate student trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters over 120 days ago to this this bureau ( XXXX XXXX XXXX XXXX XXXX ) and the Collection Agency ( XXXX XXXX XXXX XXXX ) and they are disregarding a regular consumers disputes. 
I am very stressed and have been sending letters prior to this and have yet to receive a response. 
This has consistently severely impacted my credit report and hindered my familys progress during this global COVID Pandemic.

Account Number : XXXX
Product: Credit reporting 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 U.S.C 1681, I advised XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX  - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX 

However, the credit agencies all stated everything was complete, and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Also another violation is 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Hello Team, Due to the pandemic my credit profile was damaged as there were lo of errors and inconsistencies in the credit report. To fix this i joined a credit repair company named 90 days credit repairs. They falsely claimed me and said they will give XXXX points increase warranty in 90 days. Also they tricked me and put me in a contract spanning for 1 year and i was asked to pay {$100.00} per month for their services. I agreed and started paying them monthly {$100.00} and i paid for 3 months. However they did not show any results not even a single point of increase on top of that they did not communicate well or did not showed any transparency as what were they doing. Even after multiple attempts nothing changed and their claim of XXXX points warranty in 90 days went false. 
Since this was my first time to work with a credit repair company i still gave them a chance and waited for more 90 days but still there were no meaningful results. 
During this period they put a contract account by name XXXX XXXX on the Credit Bureaus and started reporting Negative acitivity on my credit profile damaging my credit badly since i had stopped paying them. 

Now XXXX XXXX team are Harrasing and Threating me that they will file a lawsuit against me in the court for a amount of {$700.00} +. they are giving me regular phone calls and harrasing me also they re asking XXXX to settle down this contract by paying {$700.00} + amount. 

I need immediate help to get out of this situation, Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have violated my rights : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 15 U.S.C . 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 years.

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

On XX/XX/year>, I called Bank of America ( BoA ) to close a savings ( XXXX ) and checking account ( XXXX ). The checking account is the reasons for this correspondence. In this endeavor I was told by a BoA rep over the phone that I could avoid the XXXX maintenance charge on the checking account by direct depositing XXXX into this checking account monthly. I specifically asked if it was a total XXXX for the entire month and they replied yes. I asked the question again to clarify and confirm, I was told yes again. 
BoA has been deducting XXXX out of my account because they say it needs to be a one time deposit of at least XXXX. This fraudulent banking and lending practice resembling a hook and reel tactic of sharing wrongful and inaccurate information can not be accepted. 
I request XXXX require the phone call on XX/XX/XXXX be audited and reviewed to resolve this matter and resolute to not charging my account XXXX because I have been direct depositing a cumulative of XXXX from the point of call. 

Ive had to make phone calls after XX/XX/year> for them to correct this fee. XX/XX/XXXX XXXX and XX/XX/XXXX XXXXXXXX XXXX  and on XX/XX/XXXX to where I was denied a credit for this fee.
Product: Payday loan, title loan, personal loan, or advance loan

I've had a personal load set up for XXXX for over a year, and todayXX/XX/XXXX they sent me an overdue notice. Upon checking my account they decided not to process my autopay for this month for no reason and send my account into past due so I had to pay it manually.