23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Account became overdrawn and before I could bring account current my account was closed. Tried to open it back and it said it couldnt verify my identity. They refused any further information and wont open my account back
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a latter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX- Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete these accounts.
Product: Debt collection

I had an account with XXXX and my original monthly bill was for {$250.00}, but they 'll charge as high as {$500.00} sometimes XXXX double billing ), I 'd have to spend hours with them on the phone every month to fix the billings issues. I finally got tired of it and switched to XXXX. I received a final bill from XXXX which I paid them in 3 installments XXXX receipts and final bill is attached ). To my surprise, I received a credit monitoring report saying there 's a collection in my account and the original Creditor is XXXX. 

I went to their corporate store to settle the issue and they directed me to call their XXXX number, I called and they directed me back to the store. I also tried to reach the collection agency and they again directed me to XXXX which was just playing games. 

This is running the credit I 've spent years building and I 'd highly appreciate anything you can do to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. It is showing again as XXXX XXXX XXXX. I have sent in copies of my ID and SS card several times and they did correct it however, it is showing again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ATTEMPTED TO RECTIFY THE ISSUE WITH EXPERIAN. THEY ARE CURRENTLY REPORTING FALSE, INACCURATE, AND UNVERIFIABLE INFORMATION REGARDING A NEGATIVE ACCOUNT WITH XXXX XXXX. AS A MATTER OF FACT, XXXX  AND XXXX WAS ABLE TO GET THE ACCOUNT REMOVED. I HAVE ATTEMPTED TO RESOLVE THIS ISSUE WITH THEM ON MORE THAN SEVERAL OCCASIONS, AND NO ACTION HAS TAKEN PLACE REGARDING THIS MATTER AND IT IS VERY CONCERNING TO ME. PLEASE HELP ME RESOLVE THIS MATTER IMMEDIATELY, I GREATLY APPRECIATE IT.
Product: Credit reporting or other personal consumer reports

To whom these concerns, my name is XXXX XXXX, and this personal statement is being composed by me. The accounts mentioned in this
report should not be reflected on my consumer report as they violate the Federal Credit Reporting Act (FCRA). According to 15 U.S. Code 1681-BPermissible purposes of consumer reports (a) in General subject to Subsection (c) any consumer reporting agency may furnish a consumer report under the following circumstances and no other: (2) By the written instruction of the consumer to whom it relates. I never gave consumer reporting agencies my written/verbal consent or instructions to report anything on my consumer report which violates my rights as a federally protected consumer. No Consent Is Identity Theft. As a federally protected consumer, I am Demanding the deletion of these listed accounts. 

Additional
unauthorized hard inquiries: 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In the interest of my Name and Property, Nationstar Mortgage LLC, dba Right Path Servicing, Mr Cooper, Community XXXX XXXX formally XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and Authorized Rep XXXX XXXX attorney/debt collector. Have taken actions that are a violation of the FDCPA, FCRA. In relation to their collections practices of an alleged debt. The companies addressed here have violated the cease and desist notice sent their respective offices by registered mail that the debt is disputed and ordered to cease reporting misleading information on my consumer reports and communication with me unless they were to provide proof that a debt was valid and the law that relate to the alleged debt was not followed applicable in dealing with such a matter. By further mailing of statements and harassment letters from the attorney 's office listed above and unauthorized furnishings of transaction history and experiences between myself and the parties violates 1681 ( b ) 1681 a ( i ) permissible purposes and exclusions of certain information on a consumer report. I am holding these companies accountable for violation of 1692 e ( 2 ) The false representation of the character amount, and legal status of a debt. 1692 e ( 4 ) The implication that nonpayment of any debt will result in seizure or sale of property, 1692 d, 1692 f by communicated use of the attorney, listing my property and name in public notice of foreclosure as a delinquent debtor, has caused damages to my reputation as a natural person consumer, that will grossly affect my ability to do business and be provided housing whether it be lease rent or owning without being denied as a consumer. Under the XXXX usc 1692 and 15 usc 1681 s-2 ( a ), 1681 c, 1681 n, 1681 o, 15 usc 1681 n ( 1 ) ( A ), ( B ) ( 2 ), and ( B ) ( 3 ). These companies have caused injury and have failed to deliver the name and address of the original creditor so that I may be able to validate their claims to a debt and actions. I have not given any consent to the actions being taken against myself or personal property.
Product: Debt collection

1.Original Creditor - XXXX XXXXXXXX XXXX XXXXXXXX 2.Collection Agency - XXXX XXXX XXXX 3.Now Owned By - Tate & Kirlin Associates , Inc Two Different Amounts {$1200.00} - {$1200.00} Claiming Amount Owned Date Disputed XXXX - XXXX - XXXX Disputed Charges And Asked For VOD Validation Of Debt *** NOT Validation*** Resolution :XX/XX/2018 Per XXXX  : I Quote Account Information Disputed By Consumer ( Meets Requirements The Fair Credit Act ) Inaccurate, Unverified Accounts Per FCRA Sec. XXXX Using XXXX XXXXXXXX XXXX is an automated does not even begin to Constitute a reasonable Investigation.
Product: Credit card

- I opened an Amex credit card account in XXXX XXXX with offer to receive bonus XXXX XXXX if made $ XXXX in purchases in the first XXXX billing cycles. I did this as planned to make several purchases on XXXX over next 2 years with major life events happening. 
- My XXXX app is updated monthly ( around XXXX ) and shows amount of spend. 
- I called AMEX on XXXX at XXXX from XXXX to ask if had met my spend requirements or needed to make more purchases. Agent confirms I have met spend requirements. I thank her and move on using my normal credit card for purchases. XXXX call log shows call duration of XXXX min, XXXX sec - In XXXX I noticed my spend level on the XXXX app shows XXXX $ 3XXXX ( report date as of XXXX ) - I called AMEX on XXXX at XXXX from XXXX and speak to XXXX XXXX because had n't received XXXX credit when looking to book another XXXX trip XXXX She advised I had n't met spend limit, which is why credit was n't received. I advised of call in XXXX, she says no record of it and will submit request to retrieve call so could confirm what agent said/did n't say to me. She advised to give them a week to research. XXXX call log shows call duration of XXXX min, XXXX sec - I called AMEX on XXXX and speak to XXXX ( agent ID XXXX ). XXXX advises me that I already received credit and used it ( XXXX different XXXX redemptions I made ). I advised him those are not the same thing. He researches and then says I did n't meet the requirement, I had only spent $ XXXX dollars which was why I did n't receive credit. He said could open an inquiry into issue. I advised last agent had done that. He advised appear to have happened. I at this point ask for supervisor. 
- Call is transferred to Supervisor XXXX ( agent ID XXXX ). I provide synopsis of above described events. She looked and does n't see any account notations or record of call from XXXX. She sees inquiry opened for retrieval of call from XXXX. We surmise this to be a system date and tied to the inquiry I had made prior date. That inquiry is not complete and she is not certain who it has been assigned to for review. She reviews account and advises I had only spent {$1600.00} towards the min $ 2XXXX requirement and that was why XXXX credit not issued. She states that Marketing department makes no exception, even if AMEX agent made error in settling these issues. At this point I terminate call and advise opening CFPB complaint for XXXX review as AMEX had advised me of A ) financial actions taken on the account that were not fulfilled or fulfilled incorrectly and B ) engaged in an act or practice involving a representation or omission that is likely to mislead a reasonable consumer like myself in a material way. 
- It 's clear that AMEX agents are having a hard time answering basic inquiries here. From initial agent telling me I had met spend requirements, to subsequent agents telling me I had spent various amounts ( never the same ) or telling me I had received credits when it was clear I had not. 
- All I want is my XXXX. Seems their rewards process might need review as well.
Product: Money transfer, virtual currency, or money service

I bought XXXX on Robinhood everything was fine and my xrp went up. I wanted to hold it but one day randomly my account was restricted and I couldnt access my money or withdraw it just stare at it. I have tryed to fix this through Robinhood and spoke to them but theyre no help they just ask for my identification and when I give it to them they dont unrestrict anything. They also randomly changed the name on my account to my dads name and requested his information. Then that didnt work either. I continue to request to speak to support and even tweeted at them and nothing helps. I have over {$5000.00} locked up.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt. 

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 do not have written permission.

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.
Product: Vehicle loan or lease

This company credit acceptance claim a contract is fraudulent altered for XXXX XXXX a dont know with what purpose maybe for get the approved for the bank he altered the down payment is XXXX contract say XXXX price of the car XXXX contract say XXXX over charge around XXXX dollar a contact credit acceptance and this company dont do no investigate they offer a settlement for XXXX a not accept that a they claim a accept that offer this company drain my credit with fraudulent contract a dont go to accept less of remove this account of my credit report and close this account if is posible contact XXXX XXXX the person on the contract
Product: Credit card or prepaid card

I ordered the Chase Sapphire card to receive the XXXX points bonus for ordering it. I was going to XXXX for a once in a life time trip. All their advertising was based around this and when using it for travel they add an additional 25 %. If you look at all their advertisements never does it say that you must book with Chase travel. I never even heard of Chase travel. Nor when I received my credit cards did I receive anything that told me I have to book with them to receive the additional 25 % off. I called twice with the same result. Each time I finally reached a manager I was Told sorry but that is too bad and that I received a booklet with my cards. NO I DID NOT! Plus they were bullies. Their is nothing wrong with the card itself it is Chase ripping off consumers. I am just sick of having no power when they did not do what they said, about sending a booklet. Once again I wonder how many people even know about their travel agency?
Product: Student loan

Received notification that my account was past due in the amount of {$960.00}, however when logging into my account it shows a past due amount of {$630.00} and they have n't received a payment since XXXX/XXXX/XXXX, though my payment history on their very same portal page indicates otherwise. Note no payments have been made between these two conflicting amounts. The deliquent payments have a date of XXXX/XXXX/XXXX, though a payment in full was deducted from my account on that day and shows as 'received ' under their payment history. I call Navient because my account is set up on auto pay and I had no delinquent payments per their provided account history. I called on XXXX and was told that my payment for XXXX was already showing as delinquent and that it was a system error, the gentleman said that he was submitting a ticket but due to the holiday it was showing that it would n't process until XXXX XXXX, XXXX. I called again on XXXX XXXX, XXXX as I received another delinquency notification, spoke to a different representative who went through the notes and confirmed that they are resolving the issue and to check back after the year end, I asked for documentation and she said she was unable to provide anything. Called again on XXXX XXXX, XXXX to check on the resolution and the representative said the issue has not yet been resolved and that I could do a forbearance on my account to make it current, I declined as I have always made timely payments and my account reflects as such under the payments section so it was misleading and in bad practice to recommend a forbearance. I asked to be transferred to a supervisor who then speculated that the Auto pay cycle set up for me by them was incorrect and I may actually owe one of the cited amounts. No one was able to view my screen or have an insight into what is actually going on with my account. Their practices are misleading and unorganized. As a consumer who pays my student loan payments on time every month ( to the tune of about {$600.00} ) I was left in tears and with no answers.
Product: Debt collection

I had a credit card debt with XXXX XXXX XXXX that went into default for XXXX, the account went into collection and was bought by XXXX XXXX XXXX, XXXX, then Halsted brought the debt for the same amount. Halsted sent me an compromise offer to settle the debt for {$320.00} to which I accepted and paid off. 

My account with Halsted # XXXX again was settled, I contacted them to make sure that they would contact all Credit Reporting Companies as this debt being settled and paid in full and have my a credit file updated as out of collections. 

Halsted looks like they only reported the XXXX and still leaving a balance on my report as outstanding, as I understood it that the offer would settle my debt and paid in full but it does not appeared that has happened. I contacted XXXX on XX/XX/ to open a dispute to contact Halsted to update this as paid and satisfied. 

On XXXX  I contacted Halsted Customer Service ( XXXX ) to get information that they would be contacted the credit reporting agencies to update this account as paid, Halsted informed me that they had no information or could not give me information regarding the status. 

If they bought the debt for XXXX and offered me a settlement of XXXX and I paid that offer I should not have this reporting on my credit file, otherwise I feel like this company did a bait and switch. 

I'm waiting for XXXX to finalize their inquired to my dispute of this, but wanted to also file a compliant with the CFPB.
Product: Debt collection

I XXXX XXXX just recently checked my XXXX   credit report and discovered a new collection that I have no knowledge of whatsoever.From a company named XXXX  with a parent company of XXXX XXXX XXXX. No account number is listed. Neither of which I have ever had an account with or done business with. So then why are they trying to collect an alleged debt from me? Also I was NEVER sent any communication at all from this company about this debt, my right to dispute it within 30 days.Nor any sort of validation on the account. And if so I am requesting to be shown these documents with dates and to what address they were sent because I believe that they weren't. Clear violations of FDCRA.I am submitting:  1.  a screenshot of the entry on my XXXX credit report.                            2. copy of cease and desist letter sent to them back on XX/XX/2019. They were going by the name Sequin Asset Solution then. Same account number and same alleged original debtor_XXXX XXXX.
Product: Credit card or prepaid card

XX/XX/XXXX wrote letter to XXXX regarding an interest charged, and talking to customer service representation who told me they would charge interest on top of interest if not paid that day. 
XX/XX/XXXX received form letter back from them did not answer any of my questions XX/XX/XXXX called again about interest I was charged on a paid off account and was left on hold XX/XX/XXXX called again and was told I was on a fixed loan, which I never signed up for. Would not let me talk to anyone to get my interest money back ; XXXX told me that she would not escalate the call to her boss XXXX. XXXX hung up on me because I begin to ask a lot of questions she could not answer. 
XXXX has some how found a loop hole to charge the interest to people by changing the due date and cycle dates so that interest. 
As a customer this is totally unacceptable.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXXXXXX XXXX  XXXX
Product: Checking or savings account

On XXXX XXXX, 2017 my VA Benefits were direct deposited into my Bank of America account. When I went to get the money out to pay my bills around XXXX, my debit card would not work at the ATM. Attempted to login to our online banking and was not able to do so. I waited in the Bank of America local branch parking lot until they opened at XXXX. When I was finally assisted I was informed that our account had been frozen due to fraudulent checks. When they showed me the checks they were from people all over the United States that I had never even met. The signature " my signature '' on the back of them looked nothing like my handwriting. I was then informed that they would have to close my account on the spot, knowing I have XXXX and VA payments direct deposited, and that until they were done with their investigation I was only allowed to have approximately {$600.00} of my $ 1900+ paycheck. I asked what I was suppose to do about my benefits that are direct deposited and was told to basically take my business elsewhere and open a new account. I did so, and updated Social Security and the VA of the changes. My social security was still sent to the closed account anyway and I was issued a cashiers check that i received a few days later in the mail. On XXXX XXXX, 2017 Bank of America actually closed the account. It had only been two weeks even though the Treasury 's Green Book states that the institute must keep the account open for 30 days. The account can be closed sooner if it is an issue of fraud, which it was, however the same regulation states that if this is done the bank must still accept the direct deposit and make it available to the consumer. On XXXX XXXX, 2017 my VA check should have been direct deposited into the new account. It was n't and instead was sent to the closed Bank of America account. Attempted to go to the bank to get my funds and I was told it was sent back to the Treasury and now we must wait up to 30 days for Bank of America to return the check to the treasury then for the treasury to either put it into our new account or mail a check which could take even longer.
Product: Student loan

My first concern is how I owe the US Department of education has multiple debt collectors which makes it much easier to go into default. 

Second, one of their debt collectors, Great Lakes, has caused my credit score to lower in the past 60 days making me have a late payment that I never was able to dispute, which I can because I'm not on a stable monthly income to pay $ XXXX monthly. I also have not been contacted about the billing process. Unlike XXXX, they have not contacted me through mail, email ( if they have I'm sure i missed it because i get TONS OF DAILY MAIL ), nor by phone. The only communication that they use with me is emails and I feel its because they know I might not open them and that's because I get tons of emails and most of them are easily to be missed if I'm not expecting them. However, I HAVE NOT RECEIVED ANYTHING IN THE MAIL FROM THEM TO MY PHYSICAL ADDRESS! 

It seems as if Great Lakes are purposely trying to make my credit score down, like manipulating it for their own purpose. It seems as if they are trying to squeeze money I may have out of me ( which i don't have ) or trying to punish me for not paying.

This has been affecting my credit score, but have not been able to find out any details until the so-called late payment was just reported. They are manipulating my credit score for profits or payback. 

PLEASE HELP ME, I feel BULLIED!!