23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THERE WAS NO OPTION THAT CLOSELY RELATED TO MY ISSUE. I CALLED CREDENCE TO DISPUTE THIS ITEM AS I HAD DISPUTED IT THRU XXXX XXXX ONCE AND IT WAS REMOVED FROM MY CREDIT AND THEN RE-APPEARED. THIS ITEM WAS FROM A PROMOTION TO SWITCH FROM XXXX  TO XXXX. I DID WHAT I WAS SUPPOSED TO AND XXXX NEVER PAID XXXX. I DONT FEEL LIKE I SHOULD HAVE TO THIS IMPACT ME NEGATIVELY WHEN XXXX DID NOT DO WHAT THEY WERE SUPPOSED TO DO. I SPOKE WITH CREDENCE WHO SAID I SUPPOSEDLY RECEIVED A GIFT CARD TO PAY XXXX. I NEVER RECEIVED A GIFT CARD. IF SOMEONE IS WILLING TO INVESTIGATE IM SURE YOU CAN DETERMINE THAT ANY GIFT CARD THAT WAS SUPPOSEDLY SENT TO ME WAS NEVER USED ( THEY SHOULD HAVE THE CARD NUMBER ON FILE ) OR IF THE CARD WAS USED, THEN FURTHER INVESTIGATION WOULD SHOW THAT IT WAS NOT USED BY ME OR ANYONE THAT I KNOW. I OBTAINED PERMISSION FROM THE CREDENCE REP TO RECORD THE CALL. I WAS ASSURED COUNTLESS TIMES OVER THE COURSE OF OUR CALL THAT IF I SETTLE THE DEBT FOR LESS THE ITEM WOULD BE DELETED FROM MY CREDIT AND THAT I WOULD NOT REPORT AS " SETTLED FOR LESS '' OR ANYTHING TO THAT EFFECT. OF COURSE I GET A NOTIFICATION TODAY THAT SAYS THERE IS NEGATIVE ACTIVITY ON MY CREDIT AND THEY HAVE REPORTED IT AS " LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE '' I CALLED THEM TO ALLOW THEM THE OPPORTUNITY TO CORRECT THIS AND THEY REFUSED. AGAIN I HAVE THE INTITIAL CONVERSATION RECORDED AND CAN PROVIDE THAT IF YOU WOULD LIKE. I WANT TO MENTION AGAIN THAT I OBTAINED THE REPRESENTATIVES PERMISSION TO RECORD THE CALL. PLEASE PROCEED WITH AN INVESTIGATION BECAUSE IF I HAD NOT BEEN LIED TO I WOULD HAVE PAID THE BALANCE IN FULL WHICH IM SURE THEY WOULD HAVE WANTED. I CAN NOT AFFORD TO HAVE NEGATIVE ITEMS ON MY CREDIT AND THEY LIED TO OBTAIN A PAYMENT. UNETHICAL SHADY BUSINESS PRACTICES
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you thatthere is no third party involved in the process. I sent letters to Equifax Credit Bureau the dateof the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX andstill nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASEUPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDITREPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and I have asked for them to be removed. The credit bureaus did not do as I asked. Im providing a identity theft report, and I am requesting the Inquiries to be removed because they are inaccurate and not mines.
Product: Debt collection

I was a victim of id theft and this debt is a result of that
Product: Vehicle loan or lease

On XX/XX/2024 a Bank of West/ BMO bank new auto loan, no./ account XXXX was paid in full. 
( XXXX ) XXXX. I had called twice. The representative was irresponsive in providing any information as to whether XXXX was notified and when I would receive my title for this paid in full vehicle. Since attempting to contact them prior and having the same poor level of service I decided to place this complaint to resolve the lack of care and support that they provide.
Product: Debt collection

Professional Placement Services has committed identity theft using my information provided to them from XXXX XXXX XXXX. I have never been to a hospital in Wisconsin nor have I ever executed any paperwork using my information for XXXX to disclose in the state of Wisconsin where the claim originates. I live in Illinois. They have only been provided my name, birth date and social security number. NO address, phone number etc. 

They have now told me two times that they have removed the credit reporting of this collection which is false. They have REPOSTED IT THREE TIMES!! AN IDENTITY THEFT LAWSUIT WILL BE FILED AND ARRESTS WILL BE MADE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

About a year ago I was robbed at my home and a lot of personal belongings were taken from me including money, jewelry, credit cards along with my personal information..
Product: Credit reporting

I disputed this account several times within the last 6 months. It is not mine. Transunion keeps saying the account was verified and updated. However, it has not been properly verified accpording to FCRA law. In the last 6 months, no documentation or contract signed by me has been sent from this company. According to law when the company can not provide documentation within 30 days, the account supposed to be deleted. Transunion has faild to comply by law which is forcing me to pursue action according to law. 

XXXX Acct # XXXX Unverified Account
Product: Money transfer, virtual currency, or money service

I had a PayPal account and went to get money out of an ATM XXXX I was informed to call PayPal. I called PayPal XXXX they told me there was fraudulent activity on the account XXXX that I needed to wait 180 days before being able to get money from my account. The end of the first 180 days was XX/XX/XXXX. PayPal then told me I needed to wait another 180 days. I asked why XXXX they told me to continue to wait. 
I was so angry XXXX mad that at that point I cut up my card XXXX dispose of it. To this day XX/XX/XXXX I have not asked for or received a new card. 
I have called back many times since all this began XXXX still have not been given a reason why my account is closed. 
I talked with XXXX yesterday XXXX XXXX he told me the same information as everyone else has told me. THEY CAN'T/ WON'T help me. XXXX informed me that if anything changes on my account that I would be notified by email or text. 
I have heard this since the very beginning XXXX I still haven't gotten an email or text. 
I am beyond fed up with PayPal XXXX their not giving me any reasons as to why I can't get my money. 
I am submitting this complaint to you hoping I can at least get a straight answer from you. 
I will be waiting to hear back from you in the near future.
Product: Debt collection

I keep getting unsolicited calls from a debt collection agency who claims to be located in XXXX tx named SANtander. They claim I have a XXXX XXXX and keep calling for XXXX XXXX or XXXX. I have told them my number is not asicaocatied with these people and to not call me anymore XXXX. It happened back in XX/XX/2018 I thought I wouldn't receive anymore calls then yesterday at XXXX I get voicemail asking for me to call her back XXXX ( XXXX ) XXXX she's there till XXXX. They want to run my credit card and only want a debit card and XXXX XXXX  is how the payment is applied. Last time they said they were the law and and used XXXX ( XXXX ) XXXX This number. I have registered my number w do not call list yet they keep violating the rules an think it's joke and it's illegal to solicit money in fraudent ways. They claim to be a debt collection agency
Product: Debt collection

I have never received a bill from the hospital, nor any type of communication from the collection agency regarding these debts from Transworld System. I first learned of the accounts when they appeared on my credit report. I first disputed the debts on approximately XX/XX/2021 with no resolve. I requested verification from Transworld System and they sent me itemized statements from the hospital which state THIS IS NOT A BILL. I re-disputed the information with XXXX and submitted the documentation from the collection agency and they still did not remove the accounts from my credit record.
Product: Vehicle loan or lease

I was going to use my business checking account or personal debit card to make payments but was advised that I can not use any account that is not under my name or a debit card. Debit card because it will cause payment failures. From my understanding making a payment via debit card is faster as the funds are withdrawn immediately and there would be no concerns with a payment return like it happens with checking/savings account as it takes days to withdraw and can be disputed afterwards. If I came across an issue where I needed assistance and family wanted to help with payments I would not be able to get help to make the payment online as I have to have the bank info under my name. This causes for additional struggles and additional interest to accumulate on my loan. I could be making the payment same day with a debit card if the payment fell on the weekend but because they won't accept it the payment moves to the next business day causing more interest that I was trying to avoid. When getting this loan through this company there were no indications that I would be tied on how I could make my payments. They don't think about making it easier on the customer or try to aid in making improvements for a better customer experience.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I have viewed a copy of my most recent consumer report and have found accounts reporting in. 
LIST OF ACCOUNTS WITH LATE PAYMENTS : XXXX account # XXXX As a credit reporting agency you have assumed a vital role and are obligated to report the most accurate and up to date information. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 1 am aware that you have 30 days to complete your investigation. Please send me an updated copy of my consumer report reflecting the changes made. 
Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved
Product: Mortgage

I have an issue that requires your offices attention. Im a premier client and have maintained a 25+ year relationship with Bank of America . I recently refinanced my existing JUMBO home 1st mortgage with Bank of America and also maintain a HELOC with BofA. During the refinancing process ( for the mortgage ) I requested a modest increase to my unused HELOC ( figuring it would be easier to get it all done at once ). I was told by my mortgage banker ( XXXX XXXX XXXX NMLS # XXXX ) that it would be easier to increase the HELOC after we closed the first mortgage. Now I am being told ( post closing of refinancing ) that an increase to my HELOC would require an exception that BofA can not accommodate. This would have been helpful information to know prior to closing and paying nearly {$50000.00} of closing and refinancing costs. I find it unconscionable that after working with Bank of America in good faith and incurring massive costs that I now find myself forced to seek out an alternative HELOC AFTER Bank of America effectively locked me into a mortgage refinancing at a significant UPFRONT cost to me. I was clearly mislead. My refinancing business was sought after by several competing institutions but I decided to stay with BofA given the long relationship. 

Again, my HELOC request was raised during the 1st mortgage home refinancing process and I was told we will handle it after the mortgage is closed. At no time was I made aware there may be the need for exceptions.
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX Balance : {$5100.00} US DEPARTMENT OF EDU Original creditor XXXX DIRECT LOANS XXXX Balance : {$3000.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$4300.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$1600.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$3300.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$2200.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$7000.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$3700.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$2700.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$5400.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$3700.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXXXXXX XXXX  XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021 XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/202 XXXX  Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 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: Payday loan, title loan, personal loan, or advance loan

I have had a loan on XX/XX/2023 I went on a payment plan of 30 weekly payments. I made the final payment on XX/XX/2023 of {$30.00}. I was told that I can re-loan after this is paid off. I decided to reach out to customer service to see what the waiting period is to reapply. I was told that I can reapply over the phone but I wont get the funds until 3 to 5 business days. I went to apply over the phone I was told that I was denied. I went to apply online. It said that I was approved for {$1200.00} and that I will get the funds by XX/XX/XXXX and the application online shows pending when I went to reach out to customer customer service I was told that I would get a call back. I never got a call back I try to reach out. I was told that I was denied but online it is saying that I have a pending application, I spoke with someone named XXXX and he told me that my application was denied and the only way since Im returning customer is to withdraw the application and wait 30 days or do an express application I just feel like as a returning customer customer that is unfair because I have made payments on time and then for me to just get denied and then being given the runaround is not fair at all I feel like this company takes advantage of people that are struggling and going through hard times. I received a call at XXXX XXXX from Makwa finance and it was a voicemail was left. When I heard the voicemail, all I heard was background noise when I tried calling back at night, I get a call from Lendumo that is a completely different company I have made payments, and then I just turned around and get denied and just have my time wasted that is not fair at all.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$44000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

XXXX government issued checks from the XXXX XXXX XXXX XXXX Accounts were deposited on XX/XX/year>. {$70.00}, {$75.00}, {$300.00} Only the {$70.00} check funds was made available on XX/XX/year>. 

The other XXXX are held until XX/XX/year>. 

Have spent several hours on the phone with Bank of America agents and informed there is nothing that can be done. 

I desparately need access to the funds to allow me to register for upcoming spring semester, the purpose of the state issued checks.
Product: Money transfer, virtual currency, or money service

Hello Sir, Today XX/XX/2023, I received the final resposne from Wise after complaining through your platform. Their response is similar to what they provided to me on XX/XX/2023. Today they just added some TOS. In their previous final response, they didn't mentioned I was a victim of a scam and I forwarded that complaint to XXXX XXXX amd XXXX XXXX didn't upheld the complaint due to wise lack of information which they provided now. But, XXXX XXXX has said to me now, they will not consider the same complaint. Wise again waisted my 1 month of time from XX/XX/2023 to XX/XX/2023. And previously they waisted my time from XXXX XX/XX/2023 to XXXX XX/XX/2023. And they didn't do anything or reveal where my money goes and how to recover it. Now, they are saying I am a victim of scam and now I can recover those money after 14 months? Here Wise shows professional negligence. 

Sir, I am a XXXX XXXX. I am XXXX XXXX and I can't do day-to-day work. I haven't been able to see doctors for due to lack of money which I lost on Wise platform. I have asked wise so many times from XX/XX/XXXX to recover or reverse my transections and asked them before moving my funds there on my Wise account. But, Wise didn't do anything to safegurd my money when XXXX XXXX is transferred to another Wise account name " XXXX ''. I didn't authorize those payments and my account logged in from a different country. I don't have this kinds of large funds transfer previously, which Wise should have detected. 

Sir, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Sir, I will not be able to bear this pain anymore. If I knew this could happen to me, I would never-ever transfer my funds to Wise. Sir, I am an XXXX XXXX  and those were my only fund left which I have been looking to get reimbursed for the last 14 months!!! 

I have a XXXX XXXX and we don't have any health insurance or govt. helps which can support me to see a doctor. It was hard earned money of me. I am needy person and from XXXX XXXX XXXX. I really don't know how this happened. 

Sir, I with this XXXX XXXX  and XXXX and tension for my lost money, XXXX XXXX XXXX XXXX. I am unemployed. 

Wise attached a transection history where it shows my money goes to XXXX XXXX XXXX XXXX. I don't know anything about this. My money goes to another Wise account holder named " XXXX ''. I am not technically sound to understand this and I don't have any family member or support to discuss this. 

XXXX XXXX said they will not consider my complaint again. Sir, where I will now refer my Wise second final response to?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies keep putting delinquent information saying that I either have a collection for child support or have late payments. I am constantly trying to get them to delete the errors with no luck. I just have a review of my credit and didn't know that this item was put on my report and credit was not extended to me because of it. I have an order deleting all child support and abating me of any types of responsibility of child support that was signed in XX/XX/XXXX, how can I have late or delinquent charges? I have an order directly from the state of Texas dated XX/XX/XXXX stating that I owe no money in child support, nor do I have any arrearages of any sort. In fact, the state of Texas is working to get me back 4 years of child support that was overpaid.
Product: Credit reporting or other personal consumer reports

I am formally requesting the REMOVAL OF LATE MARKS ONLY from the following accounts in my credit profile, as they are misleading and erroneous. Under the Fair Credit Reporting Act, 15 USC sections 1681i, you are required to complete your investigation within 30 days ; failure to do so will result in a violation of the Act and potential investigation by the Federal Trade Commission : Experian : XXXX XXXX XXXXXXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$13000.00} XXXX : XXXX XXXX XXXXXXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$13000.00} XXXXXXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}. Additionally, please provide evidence that these accounts belong on my report and ensure that my rights have not been violated. If no record exists, update the inaccurate account information as soon as possible.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Student loan

STUDENT LOANS ARE NO LONGER WITH NAVIENT PER NAVIENT ALL MY STUDENT LOANS WERE TRANSFERRED TO XXXX XXXX AND ALL 20 SEPARATE LOANS WERE PAID IN FULL PLEASE REMOVE NAVIET OFF MY REPORTS OR WILL BE SUEING, CREDIT REPORTING COMPANIES ARE NOT INVESTIGATING, ESPECIALLY XXXX, KEEP REPORTING THE SAME INCORRECT INFORMATION, ATTACHING DOCUMENTATION ONCE AGAIN PROVING THAT NAVIENT DONOT HANDLE MY STUDENT LOANS & THAT ALL 20 SEPARATE STUDENT LOANS ARE PAID IN FULL WITH AID ADVANTAGE THAT HANDLES ALL 20 OF MY STUDENT LOANS, PROOF SENT BY NAVIENT.