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

This is a formal complaint against Jared Galleria Of Jewelry located in XXXX, OH. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Jared Galleria Of Jewelry has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Debt collection

I disputed this account MJ Atlman Companies, which is unknown account to me on XX/XX/XXXX. I disputed with XXXX, XXXX, and XXXX credit monitoring reporting agencies advising all XXXX agencies that this was unknown account to me and that is what not my debt. On XX/XX/XXXX I received the investigation results back from XXXX which stated that the account had been updated and removed from my credit file. However, XXXX and XXXX both stated to me that there investigation concluded different results. Both agencies we 're unable to remove the account, because it 's was verified as accurate.
Product: Debt collection

This is in complaint against collection agency Midland Funding. 
Accounts in reference are all held by Midland Funding- XXXX for {$470.00} with XXXX ( original creditor ) In XX/XX/2016, I became aware of some old collection amounts that were generated from an unauthorized user pertaining to the above mentioned accounts. I was told by local police jurisdiction that not much could be done but that I could file an affidavit stating my case for the purpose of record. 
I spoke to XXXX on XX/XX/2016 and requested itemized charges relating to the time period in question. He said he would get them out to me in 7-10 days. 
On XX/XX/2016, I received a response from manager XXXX XXXX stating that a determination was made that this is my debt but that a police report or affidavit may be submitted for further review. I responded back by mail that I needed itemized invoices and signatures of purchase or any other means by which to differentiate actual charges from unauthorized charges. I have received nothing. 
I have subsequently raised the dispute issue with all XXXX credit reporting bureaus requesting conformity in trying to obtain this information as well. My understanding of the attempt to dispute resulted in nothing more than the bureaus validating common and general information of my identity to validate debt ... .and then subsequently standardized a generic dispute response that " creditor meets FCRA requirements ''. 
This process is broken and unethical and heavily favors the relationship between bureaus and collection agencies, lenders and creditors.
Product: Credit card

Complaint regarding Wells Fargo. We DO NOT have an active relationship with this bank. On XX/XX/year> I received an email stating, Your Wells Fargo credit card has shipped. They further stated it should arrive within XXXX days. 

Today, XX/XX/year>, we received a signature card for myself and my husband with a stated credit limit of {$20000.00}. 

We DID NOT request a card. Again, we DO NOT have a relationship with this bank. 

This appears to be the same bad behavior this bank was doing by opening accounts that people did not ask for and without their knowledge or authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of account which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} IXXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I was removed from the HAMP Loan Modification Program and foreclosed upon, inadvertently. This statement was in a letter sent to me from Wells Fargo. Please help me, they ruined my families life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX should only sell large Appliances through dealers and discontinue selling online. I purchased a XXXX XXXX online because it listed a {$400.00} discount. It was a total disaster. Later, I learned XXXX offered the same discount although they didnt advertised it. 

1. Defective Product. The large appliance was a refrigerator purchased online from XXXX. It was delivered by XXXX, a delivery and repair service for XXXX. XXXX made XXXX trips to my home and spent 3 months before the refrigerator was acceptable ( XX/XX/XXXX- XX/XX/XXXX ) : dented doors, wrong model doors, two right doors shipped together, etc. ). 

2. Incorrect Fee Charges. I accepted a deferred interest payment plan. I bank online and requested online statements ( see item 4 ). I set up all payments in XX/XX/XXXX, when the refrigerator was finally acceptable, of {$150.00} per month for 11 months and a final payment of {$110.00} on XX/XX/XXXX ( total {$1700.00} ). This equaled the total amount due on the shipping & billing document given to me by XXXX ( see documents 1 & 2 ). Apparently, I missed something as my account was charged {$290.00} on XX/XX/XXXX for deferred interest ( over 30 % average monthly outstanding? ). 

3. Bad Customer Service. XXXX banking partner, TD Retail, is impossible to communicate with. I have been working on a resolution for 3 months. I called XXXX and the automated attendant did not offer any option to speak with an individual. On the 3rd call, I tried using 0 for the operator and after a 20-minute wait, was successful in talking to a live person. That person instructed me to go to the web site onlineaccount.net '' and fill out a dispute form. I did that and filled in the form, sent it snail mail as requested and also emailed it to TD Retail ( see document 3 ). I have since dialed XXXX selecting 0 many times. Invariably I get the following results : a. Sorry, I dont have the authority to make adjustments or b : The line is dropped transferring the call to another person to assist me. Never any answers. 
4. Major Deficiencies in the Customer Service Portal. Getting the site to open is problematic. Sometimes anti-virus warns not to open the site and other times the system is down ( see document 4,5,6 ). Statements can not be rendered to the screen or downloaded ( document 7 ). An incomplete list of transactions can be rendered ( document 8 ). I have called concerning these problems, but those answering do not know how the system works and phone transfers to a knowledgeable staff invariably result in dropped calls.
Product: Debt collection

On XX/XX/XXXX, I received a text message from my mother with a " Receipt number, XXXX for {$240.00}, paid in full, XXXX balance '' indicating that she had paid a bill for me. She was contacted by someone, then returned a call to the number XXXX for XXXX XXXX XXXX. My bill was already paid at my XX/XX/XXXX visit in order to be seen on date. I wasn't even aware of a pending bill until I presented as my last insurance should have provided coverage on my first visit of XX/XX/XXXX. 

I contacted the office for XXXX XXXX XXXX  and she verified that my bill had been paid in full, and she didn't know how my mother 's number was used, as they only had my number on file. She indicated they use Wakefield & Associates for collections. 

Wakefield violated my privacy by contacting my mother to discuss an account where there was already a XXXX balance, and through communication not authorized by me. I don't know how they got her information, but she was never on the radar of my medical treatment. This has caused so many concerns for me. My mother is on a fixed income and now an impression that I can't pay my bills and she needs to do this for me " as a XXXX present, '' and it is embarrassing.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Student loan

i took out a career training loan in 2005 aprox {$26000.00}. i'v been paying on this loan since a total of over {$40000.00} and still owe round {$11000.00}. this loan is a variable rate and i called Navient to see if the interest rate could be converted to a fixed rate being that i have paid over {$40000.00} on this loan and they flat out told me no. Seriously, i have paid well over what was borrowed and they are not willing to work with me to try and get this loan at a fixed rate. i was not even asking for a loan forgiveness. i was told i would need to re-finance through another banking institution.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, an Agent for Principal XXXX XXXX XXXX, and Affiant ; Attorney in fact, for ANY and ALL derivatives thereof, for the surname/given name. I have been APPOINTED and ACCEPT being the executor, both public and private, for all matters proceeding, and I, hereby, claim that I will autograph for my given name, XXXX XXXX XXXX, and as the Agent and Administrator in fact. 

Congress finds there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.Code 1681 ( b ) The Consumers right to privacy 15 U.S.Code 1681 ( a ) ( 4 ) Upon reviewing my consumer credit report, I have noticed several inaccuracies. You have a DUTY pursuant to Fair Credit Reporting Act to report ONLY accurate and fair information. In accordance with the Fair Credit Reporting Act, XXXX, has violated my rights. 

I have a right to privacy. 15 U.S.Code 1681 section 604A Section 2 : states a consumer reporting agency can not furnish an account without my written consent and instructions. I AM DEMANDING SUCH PROOF for the following accounts : 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 AMOUNT {$430.00} DATE XX/XX/year> The consumer credit report, pursuant to U.S.Code 15 1681 ( a ) ( 2 ) exclusions-except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to Section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; late payment entries identified on the consumer report are a VIOLATION OF MY RIGHTS AS A CONSUMER. 

You are in non compliance of the Fair Credit Reporting Act by reporting this inaccurate and false information. It is causing me SEVERE harm. My report should be updated to reflect MY correct and accurate information. 

Thank you for your prompt attention to this SERIOUS manner. Please feel free to contact me with any further questions. 

Sincerely, XXXX XXXX XXXX XXXX living man )
Product: Credit reporting or other personal consumer reports

Im providing this info one last time and hopefully equifax XXXX and XXXX are able to fix my credit report with all the negative accounts that are fraudulent Im attaching the police incident number which is the police report
Product: Credit reporting or other personal consumer reports

this account was paid in full in the department store in XXXX. The payment was misapplied and later credit ed back about 30 day later .The late payments are incorrect. XXXX  was paid directly I never heard of Comenity Bank. The store is out of bossiness and the bank has failed to respond to my correspondence. they have violated FCRA LAWS THEY NEVER INFORMED ME THAT THEY WERE PLACING ANY NEGATIVE ACTIVITIES ON MY CREDIT REPORT.THE ARE REPORT ON ACCOUNT THAT PAID COMPLETELY OFF WITHOUT LATE PAYMENTS. I HAVE DISPUTED AND THE VIOLATED FDCPA LAWS BY NOT ADDRESSING MY CONCERNS AND DISPUTE
Product: Checking or savings account

On XX/XX/XXXX two {$500.00} transactions were debited from my checking account without my authorization. I contacted Regions Bank for information regarding these transactions. I was told I could not file a dispute because the transactions had not yet posted to my account. My bank statement showed that these transactions were done through XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX and spoke with XXXX. She was unable to refund my money. I received an Email from XXXX XXXX on XXXX from XXXX XXXX and he informed me that my case was being transferred to a specialists, I need to provide more information and that it could take 45 or more days to complete the investigation. 
I completed 2 disputes with Regions bank In hopes of being refunded my money and was denied each time. According to the bank, the reason for denial is that the transaction verified with my card credentials. No report of card loss, theft or compromise. Transaction passed fraud analysis. My debit card was never loss or stolen. My checking account/debit card information is linked to my XXXX XXXX. According to Regions Bank I sent the money to myself. Yet, I didnt receive {$1000.00} credit to my account. They also reported that the money was sent to my XXXX XXXX card. I dont have a XXXX XXXX card. I have requested copies of the documents used to make the determination and have yet to receive it. 
I received a text message from XXXX XXXX informing me that my phone number had been delinked from my XXXX XXXX account. I did not authorize this. This was around the same time the unauthorized transactions were done. Also, I was using a Chase ATM around this time and I received a text message from Regions seeking to verify if I was actually the person requesting cash at the ATM. I did request cash for the ATM. I would make no sense for me to send {$1000.00} through XXXX XXXX  to myself and withdraw cash from an ATM. I contacted XXXX XXXX and they were not able to verify the delinked account and I was instructed to create a new account. My cell phone or debit card was never out of my possession. I never requested my phone number to be delinked from my original XXXX XXXX account and I did not send {$1000.00} through XXXX XXXX.
Product: Student loan

I am seeking the legal dates of first delinquency on my former XXXX XXXX, now Navient, loans. Navient 's website, my recollection, the Navient phone reps, and my credit reports all disagree. Despite emails to Navient and phone calls and multiple requests to speak with a supervisor, I am given multi-levels of conflicting and inaccurate information. I believe that Navient has purposefully misstated the original delinquency dates in it 's records/credit reports to manipulate me into paying the debts. I am currently paying their collection agency, but some Navient representatives say they do not even have access to the name of the collection agency, that the Navient website no longer works, that the Navient website does n't get updated anymore, that the Navient website is not updated for people in collections, and that the website works fine and there is no reason for someone to have told me that. No one seems to be able to access my records other than to give me inaccurate delinquency dates. I am trying to obtain a legal document in writing detailing my dates of delinquency for each loan. I have tried to reach someone to explain why I think that they have the dates wrong, and to discuss searching for the correct ones, but I have been unable to reach anyone who can help at Navient. Furthermore, I was told repeatedly that I could not speak with a supervisor. Eventually, after arguing my case for getting a supervisor on the phone for an hour, I was transferred to someone 's voicemail that was so garbled, I did not even understand the name of the recipient. I left a detailed message asking for a call back and have not received XXXX. Therefore, I am concerned that said document may be inaccurate anyway and would prefer to discuss live in addition to receiving a written letter ( not an email ).
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reviewed a copy of my credit report and there are some accounts listed that are the results of fraudulent activity. XXXX  XXXX Upstart netw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never entered into a consumer credit transaction with any of these companies. I requested an investigation with these companies and I did not receive any evidence of any of these alleged debts. I was also told by one of the companies that they do not have a record of any accounts in my name. So I want these items removed immediately. I have included a copy of my identity theft report as well for further evidence of this fraudulent activity a long with my identification.
Product: Money transfer, virtual currency, or money service

I was looking to buy a ticket for a concert as it had sold out on XXXX. A user ( XXXX ) reached out to me on XXXX about selling me their ticket. I was apprehensive but agreed to pay {$20.00} of the {$30.00} prior to recieving the ticket and the remaining {$10.00} after. I sent the money to their Zelle email ( XXXX ). They responded with a very clearly manufactured screenshot that claimed that the amount had been refunded to me due to an error. The user asked me to send the amount again. At that point, I challenged the fraudulence, and they stopped replying. I've already reported them to XXXX. I went on XXXX  XXXX XXXX to dispute the charge, but the bank claimed that no charges on my account were eligible. I tried calling next but I couldn't even get ahold of a real agent ( stuck with the automated machine ).
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing the following Inquiries on my credit report, I have reached out to them asking for a full investigation and proof that these in fact belong to me and i have yet to hear from they its been over 45 days i just want them removed from my credit file if there is not proof that i submitted my information for credit with these companies. 
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 XXXX XXXX
Product: Debt collection

I tried applying for an apartment this month. I got denied for this apartment because of a collection that is almost 7 years old and was disputed for misinformation and closed approximately 2 years ago but the apartment complex I applied for said it still showed up. They said to contact the debt collector and see what was going on. When I did this I spoke with a gentleman and explained to him this was closed due to misinformation. He proceeded to tell me that he contacted the other party of the debt ( my roommate ) and verified MY DEBT so now it will be reopened and back on my credit. He then asked for my mailing address and I denied this and hung up. Approximately 2 weeks later ( today XX/XX/22 I receive a letter for them attempting to collect the debt once again and saying I need to send information for my reasoning for disputing it. It was already disputed and taken off! And how did they/why did they get my mailing address to harass me more. I asked them 5+ years ago to leave me alone. This is very unacceptable to me, especially verifying my debt with a third party that has absolutely no say in this as they owed this debt too and just never disputed it. They also raised the debt by {$2000.00} once they obtained it from the original creditor and I believe that is illegal as it was damages and should not have gone up that much for any reason.
Product: Consumer Loan

The car loan had to be transferred to my daughter but the financial company does not want to transfer documents so that my daughter can register the car in her name in another state