23daVinci/CFPB_Complaints huggingface dataset:
Product: Other financial service

A company by the name of student loan relief department informed me that I would be able to get a $ XXXXmonth student loan relief plan if I paid them about {$2000.00} for their services for filing the annual paperwork ( broken up into {$35.00} payments over four years ). I was referred to this company by my little sister and her spouse who have also enlisted this company 's service. After contacting my federal student loan company, I was made aware that is program is a scam and does not forgive my student loans. The fraudulent company has my social security number, applied for loan forbearance on my behalf and even provided me with a fafsa pin and username. I have since changed my fafsa pin and username, am currently monitoring my credit and will be cancelling my bank account that I have given the company to withdraw monthly payments from. When contacting their customer service to try to cancel services with them, I either get hung up on or I am on an indefinite hold. Even when contacting the original representative that I spoke with to set this agreement up, conveniently his phone goes straight to voicemail and his mailbox can not accept any new voicemails. After speaking with my loan provider, I found out the service that this company provides is available for free and has to go through the loan provided to be valid.
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX  XXXX  : XXXX
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. ( LVNV FUNDING LLC ) is reporting on my personal credit file with ( XXXX XXXX credit reporting agency . These account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. ( CREDIT COLLECTION SERV ( LVNV FUNDING LLC XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to ignore my rights and report false information on my credit report. I have explained multiple times that this account should be removed due to the payment history and last payment being over 7 years old. 

Equifax is violating my rights by refusing to removed this account. They have not been investigating the account and have been using outdated data to keep this account active on my profile. My credit report is not reporting complete and accurate. 

I will continue to add other offices and agencies to receive a copy of my complaints.
Product: Debt collection

Hello, On XXXX of XXXX i Contacted Allied collection to ask for more information on a suppose debit collection that put on my credit, I spoke to there representative and i was requesting my original contract with my signature, Due that question the representative started to get aggressive and other words declining my request after few minutes of back and forth he finally agreed to send over the contract which he disclosed it would take 24 hours, Its been several of days and nothing. ive tried several times to work with this company but they seem to not send over my original contract that supposedly signed XXXX.
Product: Credit reporting, credit repair services, 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 USC 1681 XXXX Acct Number : XXXX ( {$0.00} ), XXXX Acct Number : XXXX ( {$0.00} ), XXXX Acct Number : XXXX ( {$420.00} ) XXXX  Acct Number : XXXX ( {$730.00} ), XXXX XXXX Acct Number : XXXX ( {$1000.00} ), XXXX XXXX XXXX Acct Number : XXXX ( {$240.00} ), has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish a 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 ( 7 ) 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a credit alert stating that Transunion reported a new address update Address : XXXX XXXX XXXX XXXX XXXX XXXX, Oregon - XXXX Im very concerned because this is definitely inaccurate and I believe Im being targeted for identify theft. 

There are other inaccuracies on my 3 credit reports as well. This is the most recent one.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Using my Paypal direct deposit information I apply for my stimulus check from the IRS. The check was deposited on XX/XX/2020. Paypal is still saying they have no knowledge of this transaction but the irs website is showing the mo ey has been deposited..
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank USA N.A. ( Acct # XXXX ) is reporting a charge off on my consumer report, a charge off is cancelled debt. I never received a 1099-C from the creditor from this charge off.

IRS defines a charge off as gross or ordinary income. Income does NOT get reported on a consumer report. 

Please refer to the laws mentioned below : 15 USC 1681s-2 ( a ) ( 1 ) ( a ) 15 USC 1681eb
Product: Credit card or prepaid card

I have been seeing this American Express card on my credit report and I have contacted American Express numerous times to let them know this isn't my card. I never had that American Express card, I was sent one which I returned. Another card was issued in my name which I never had. I asked them for a wet ink copy of the contract application for the card and they have not repied. This has hurt my credit immensely and I tried to resovle the issue but to no avail. Iwould like this erroneous and fruadulent item off my credit report.
Product: Credit card or prepaid card

I have 2 credit cards with Capital One bank. I paid my credit cards from the same account. Capital One is holding the credit from one of the cards. I spoke with XXXX whose corporate # is XXXX XXXX and ask to have my credit released. She stated that since I had money returned last month they would hold the credit on my card. I told her if they are able to take the money for the first credit card then the funds are there for the second credit card! 

She said that was in the terms and conditions but this is my money that I am asking to be released! I hate Capital One! I hope that the entire bank goes under for the unfair business practices that they incorporate! I encourage any and everyone to stay away from this bank!!!!!
Product: Debt collection

Paragon reached out about a medical bill that it said that I owed {$3400.00}. In their form, they asked me to respond on whether I believed this was my debt and if I wanted proof of the bill. I requested that it was my bill as well as the original documentation. They validated my personal information but provided no original bills nor any of my wet signatures. They only provided the account numbers and two creditors ' name. It appears there are two bills that it wants me to believe it's one bill. It is all very unclear. I would like for the creditor to provide the original bill ( s ) as I requested along with my wet signature on any documents that Paragon has in its possession to assure that I owe the debt.
Product: Checking or savings account

On XX/XX/2021, I visited the Bank Of America XXXX in XXXX, CA at approximately XXXX am with the intent to deposit {$500.00} cash into the ATM. Upon putting in my information with the card and attempting to deposit the cash the machine accepted my money and proceeded to make the sounds as if it were counting it. I stood there for a few minutes waiting for the machine to finish counting and after a while, a loading screen just kept popping up. Worried about my money being taken and not deposited I hit the cancel button on the screen. The machine gave me {$1.00} back out of the entire deposit and gave me a receipt stating " We apologize for the inconvenience. We are unable to process your request and can not return your item ( XXXX ). Please contact our XXXX Claims team at XXXX to discuss this transaction ''. 

After this incident, I went inside the bank with the receipt and told a bank teller what happened. He directed me to open a claim ( which I did ) and told me everything would get sorted out within a few days. However, as of XX/XX/2021, my claim has been declined. I spoke again on the phone with the claims department who could not provide me information as to why my claim was denied or allow me video camera access to the date and time that I was there.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it's crucial to ensure that consumer reporting agencies uphold their duties with fairness, impartiality, and respect for consumers ' privacy rights. Equifax and XXXX, being consumer reporting agencies, must adhere to these principles. As a consumer, I assert my right to safeguard my private information, as reinforced by 15 USC 6801, which emphasizes financial institutions ' obligation to respect customer privacy.

According to 15 USC 1681, section 604a ( 2 ), consumer reporting agencies may only furnish consumer reports with the explicit, written consent of the concerned consumer. Neither the financial institution nor Equifax and XXXX have obtained my consent to share this information, revoking any implied or otherwise assumed consent. Moreover, 15 USC 6802 ( b ) ( c ) dictates that financial institutions must inform consumers of their right to opt out of information disclosure to third parties, a requirement not fulfilled in this case.

Furthermore, 15 USC 1681C ( a ) ( 5 ) strictly prohibits consumer reporting agencies from including adverse information in consumer reports without authorization, which is being violated here. The account name, XXXX XXXX, with the account status of paid and closed, is being reported without my consent, which is against the law. Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, Equifax and XXXX are obligated to maintain accurate information and reasonable procedures to prevent violations, which they are failing to do. 

In accordance with 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services.
Product: Student loan

XX/XX/2022 - Spoke with a representative and a supervisor to try to negotiate terms for repayment. The call was recorded and is attached to this message. I was told that I could receive certain terms of repayment and scheduled a call back for XX/XX/2022. 

XX/XX/2022 - My cosigner, XXXX XXXX received a call from Navient and spoke to supervisor XXXX XXXX XXXX ( Unit Manager, XXXX, Navient, XXXX XXXX XXXX ). XXXX XXXX told XXXX XXXX XXXX that I had a call back scheduled for XX/XX/2022 and a plan for repayment was moving forward. XXXX XXXX XXXX said she could " find a great deal '' and said " let 's see what we can do ''. XXXX XXXX was then told a vastly different amount of repayment and was told that she would need to sign up for a repayment plan as of XX/XX/2022. She was told that there were " no notes '' on the account regarding my previous call on XX/XX/2022 and that she did not see a call back scheduled for XX/XX/2022. XXXX XXXX XXXX bullied, laughed, and harassed XXXX XXXX on the call and stated that she had " more than enough '' discretionary income to cover the loan payment. XXXX XXXX continued to state that she wanted to cancel the proposed payment plan and wait to speak to myself. XXXX XXXX XXXX would not end the call and kept stating that she would " never receive this deal '' again and that she would " ruin '' my chances of receiving a lower rate. XXXX XXXX proceeded to attempt to hang up and overheard XXXX XXXX XXXX complaining to another associate about " all the work '' she would need to do to recover from not seeing the notes on my account and that she would not be receiving credit for achieving the payment plan she tried to propose, implying that she would receive a commission from the plan. 

I am disgusted and tired of the bullying and discriminatory behavior by Navient. They never have accurate records of their calls with my account so how can I be sure that the information I am being told is accurate? 

Navient has refused to accept ANY form of payment that is not what they proposed. I want action taken against Navient or my loans to be transferred to another provider who is willing to work with my repayment based on my income. If not I will seek legal action against Navient for their predatory and discriminatory behavior.
Product: Mortgage

I received an unfair and very upsetting response from Bank of America regarding my payment that they debit from my account, when I made a payment on XXXX XXXXJust because I am behind on my payments that does not allow them to take more then XXXX payment without my authorization. Please investigate this case and have them credit my account XXXX payment as a courtesy due to drafting my payment for more than XXXX payment and fess from my checking account and leaving me with any money to feed my kids or gas for work and unable to pay my bills. Its was snowing that day and was scare my light was going to get cut off because I did not have the funds available to make my payment because they took all my funds from my checking. Plus they charged me NSF fees because I placed a stop on my payment and took my bank XXXX to XXXX days to clear that transaction.
Product: Credit reporting or other personal consumer reports

Companies are getting information illegally and I have not authorized permission. The court clerk has stated that bankruptcy should have not been reported on my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number XXXX
Product: Student loan

I get forgiveness student loan for my son and I receive a letter forgiven from the lander because I am XXXX SSD
Product: Credit reporting

I have a XXXX XXXX account on my Transunion credit report that I had investigated last year as a fraud account. After 30 days of investigation the item was removed. At this present time XXXX XXXX is active on my report again.
Product: Credit reporting or other personal consumer reports

I just want to say that they're leaders financial is the lender I've had three vehicles separate vehicles two of which were paid off and one which I voluntarily sent back because I was having a XXXX XXXX situation that I did not want anything to happen to the property and was having issues keeping the payments going because of the XXXX  XXXX the company and leaders financials representation which is called XXXX XXXXXXXX XXXX XXXXXXXX XXXX located at XXXX XXXX XXXX XXXX New Jersey XXXX they continuously keep doing inquiries on my credit report without my consent and I've asked them in times past I've written letters asking them to stop checking my report they could continue to do so and I would like to seek damages and I would like for them to stop harassing me.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balanced {$XXXX} XXXX  XXXX XXXX Balanced {$XXXX} XXXX XXXX XXXX Balanced {$XXXX} XXXX XXXX Balanced {$XXXX} XXXX  XXXX Balanced {$XXXX} XXXX XXXX  XXXX Balanced {$XXXX} XXXX XXXX  XXXX XXXX Balanced {$XXXX}
Product: Debt collection

This is about a Credit Card Debt with XXXX XXXX that was sold to Midland. These people repeatedly called my phone several times a day. They called family members asking them to verify my Social Security Number and posted a second complaint, and summons to go to court on the front door to my residence. Presently I am disputing this debt with the bank and even offered to pay them the purchase amount of the debt and court fees because I should have monitored my credit report appropriately. Since I had no other credit, live in public housing, am on XXXX and collect Social Security I told them I would pay them for expenses they incurred. Instead they are asking the court to make my pay the debt with interest, court fees, and the amount of the debt I am disputing with XXXX XXXX Bank. They are asking the court to force me to pay them out of my Social Security Check and VA XXXX payments which total {$1900.00} a month. Half of my benefits goes toward rent and the rest is for food, utility, and medical expenses not covered by the VA. XXXX XXXX attorneys are asking that I forgo medication and / or food but instead pay them with interest on this debt.
Product: Credit card or prepaid card

I applied and was approved online for the American Express Everyday card on XX/XX/2019. During the application process, I was presented with a welcome offer of XXXX points after {$1000.00} in spending within the first 90 days, which was what prompted me to apply. After receiving the credit card in the mail, I confirmed on XXXX XXXX via live chat to verify that the offer was attached my account. I subsequently spent over {$1000.00} but did not receive the points promised in the welcome offer. Upon chatting with American Express again, I was told that there was no offer attached to my account. When directing the chat agent to the previous live chat I had, I was told that I was declined for the offer stated by the previous chat agent despite this being my first American Express credit card.
Product: Vehicle loan or lease

The bank marked our account as paid and closed, reported to all the credit bureaus as paid and closed sent us a XXXX credit card with a letter saying we overpaid the loan cancelled the gap insurance and sent us a check ( we have these put up ) now they have ruined our credit reports and say we owe late fees and interest. They have also sent us power of attorney forms wanting us to sign and send to them so can make changes to our title ( which by the way shows no lien against the title ) We have talked to two XXXX  that say do not sign anything and who also state that the company cant just reopen an account or report that to credit bureaus with out our signature.
Product: Checking or savings account

I went to the Citibank in XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XXXX XXXX to make a withdrawal for XXXX and they said I couldnt get it. So I go into the branch the next day and they tell me my account close. My account number is XXXX and my and this is my Executive Response unit case number XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was informed that my Regions credit card account was in default for several months, even though a had set up the automatic bank debit feature, as all other accounts in my possession, the bank account was not debited and they reported me to the credit reporting agencies lowering my score considerably. On XX/XX/XXXX, I called the company and talked to four different people and was transferred four times, this took over an hour, it was impossible to reach the right department. Proceeded to place another complaint through the web page and they are not responding again.
Product: Debt collection

I was unaware of any lingering debt I had with XXXX until I acquired my credit report and it stated it was back in 2020 that the amount of {$780.00} was past due. This is a debt that should be removed from my report and removed as a collection from all major credit bureaus that are reporting this information.
Product: Payday loan

I received a pay day loan from Ohio Acceptance that according to Ohio law exceeded the max amount of a pay day loan and the fees and payments became excessive. And now they are taking me to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert in regards to my credit report that changes were made on my credit report and inquiries were made on my credit report. The following information below is fraudulent inquiries and changes that were made on my credit report without my knowledge.
INQUIRY - XXXX - INQUIRY MADE ON XXXX-17. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT.
THIS FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT IS MAKING MY CREDIT SCORE GO DOWN. I WANT MY CREDIT REPORT CORRECTED IMMEDIATELY AND A FRAUD INDICATOR PLACE ON MY REPORT. IT MAKES NO SENSE HOW THESE CREDIT REPORTING COMPANY WILL PUT ANY AND EVERYTHING ON YOUR REPORTS AT ANY GIVEN TIME.