23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

company keeps increasing the balance on the account causing my credit score to decrease, stating that interest is applied monthly, daily, and once over the course of the loan. 
ive attempted to call and ask why this happens but no-one can provide an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report. Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the era is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible will be greatly appreciated. 

My current and only address is listed below XXXX XXXX XXXX XXXX md, XXXX Please remove any other addresses from my report as they do not belong to me and are being reported in error.
Product: Debt collection

This is a second complaint to XXXX. 

Again I am stating that I do not owe anything regarding this judgement. I am able to confirm that this was in fact one of the items that was fully discharged in a XXXX bankruptcy. 
After my information was exposed in early XXXX then again with an XXXX data breach in XXXX I have been consistently having to dispute claims that been resolved or severely inflated due to fraud primarily from debt collectors who have repurchased these items. This makes me question the validity of how they come across my information because every time I receive a Dark Web monitoring alert it is usually followed by some bogus claim from a d ebt collector or attorney that I wind up having to dispute.

Again this claim was settled and discharged with a bankruptcy in XXXX. I continue to go through this with both my student loans due to fraud and with collection agencies that are purchasing these debts that were already settled and resolved. I demand to know where this debt was purchased because the information and validation of debt are not correct. I highly doubt that for 15+ years and several jobs in between this agency was unable to contact me regarding notification of a debt they claim is from XXXX or XXXX, so the matter could have been resolved in a timely manner. 

I never received ANY information regarding a hearing in XX/XX/XXXX about this either or would have gladly attended court to dispute this then. I received no notification of a hearing!! Yet this agency certainly had my recent address because once the hearing was over they were able to mail the final documents to the me. 

I am extremely frustrated with the unethical and deceitful practices that I have had to deal with from these agencies and how they continue to try and take advantage and misuse personal information. I have every intention to continue to dispute all of these false claims and fraud that continue to randomly show up in my name.
Product: Credit reporting or other personal consumer reports

The following accounts are listed as charge offs and or do not belong to me and the company has yet to verify and correct this information. 
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 15 U.S.C1681 section 602 A. states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish an account without my written consent. I have never consented to any information being published. 

I did not receive any 1099-C cancellation of debt forms for ANY of the listed accounts. Which means now this information is inaccurate on my report and needs to be removed. I am also seeking monetary relief for these errors most importantly this has harmed my chances of obtaining personal and business credit to provide for my newborn child. These accounts have been reported incorrectly even after my latest disputes of all of the same items from XX/XX/2023 with the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of inquiry issue and Ive reported this several times and nothing has been done Thru Transunion and XXXX. Name of companies are ally financial, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX all these inquiries were made in XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them and the addresses associated with them.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with with the fair credit reporting act and account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A 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 a account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been the victim of identity theft, which has resulted in fraudulent accounts being opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that all fraudulent information be blocked and deleted from my credit report immediately.

The specific fraudulent accounts that need to be removed from my credit report are as follows : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$990.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2023, I mobile deposited two work checks on my checking account number XXXX. The rst check was from XXXX for {$580.00} and the second check was from XXXX for {$1000.00}. I waited XXXX work days for the checks to go thru and after that time I checked my account on Chase XXXX and the money wasn't available still. I waited a couple more days, checked back again and all I had was the {$200.00} I had to deposit when I opened my account. 10 days passed and my paycheck was still unavailable. i went to the branch in XXXX, XXXX XXXX XXXX XXXX when would my money be available and they told me the checks hadn't gone thru. I went back to my bosses house and gave him the information I had just received at the branch, and he told me the checks went thru, and showed me the conrmation receipts of the money being transferred from his account. I went back to the branch with the conrmation papers that XXXX boss gave me and the workers tell me the checks never got deposited into my account, that my boss had the money. I came home and I decided to contact Chase customer service and they tell me that actually my account got closed due to fraudulent activity. The only activity on my account was the initial {$200.00} deposit and the mobile deposit of those two checks from my work.On XX/XX/2023 I received a letter from Chase in the mail, with a {$200.00} cashier 's check addressed in my name saying " We closed your account and attached a check for the remaining balance. '' I have been sick the past two weeks and lost my voice, so today on XX/XX/2023 as I was feeling better, I call the complaint department of chase ( XXXX ) and ask them for the rest of my money. I explain the situation and the worker says the checks got deposited into my account but he couldn't do nothing about it and had to transfer me to the Chase 's fraud department. As he did so, I start talking with the specialist and he starts by telling me the checks never went thru, when the worker had just told me they did. And as I'm explaining this to him, he corrects himself and tells me that he needs to verify the checks rst, more than 30 days after they got deposited. I get a little upset with the situation and asked why havent they verify the checks earlier, and he tells me I had to tell him to do it.
Product: Debt collection

My complaint is against Midland collection agency collecting for a debt for ( XXXX XXXX i used impersonate because midland isnt the one i might have this debt with, and how did midland take control of this debt how was it purchased im asking for the contract between midland collections and XXXX XXXXXXXX making midland the owner of this account and how can midland collect on an account they never were a part of, and give them the rights to report there involvement to the three main credit reporting agencys and reporting it as a new account a account they never owned 15usc1681 reporting act. Its greed in violation of my consumer rights and each violation come a fine of {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft BBVA USA Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  OF XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft 08 COMPASS BANK Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine.
Product: Debt collection

I operate a small business and used PayPal for invoicing and payment collection from my customers. About six months after I provided a service to one of my known customers, she was reviewing her credit card statement and did not immediately recognize the name of my company as it appears on a credit card charge. She contacted her credit card and reported an unauthorized transaction. Paypal notified me about the challenge. I answered the query that I did provide the service. I then contacted my client and she was aghast and called her credit card company, XXXX, and withdrew her complaint. About six weeks later, PayPal sent me an email from XXXX and told me that I had to transfer the amount, {$650.00}, into my account to cover this charge back. 
I recontacted my customer and she provided to me her XXXX XXXX statements that show that she has paid the {$650.00} to PayPal. There was a charge, followed by a credit, followed by a subsequent charge. PayPal has been paid, yet they are making an official effort to collect a debt.
Product: Debt collection

Diversified consultants, Inc has attempted to collect from me debt that I do not owe XXXX. Succinctly, I had XXXX services for about two years beginning XXXX of XXXX until XXXX of the following year XXXX. I requested to temporarily suspend my service due to my many travels and not being able to enjoy the services that I paid for. XXXX respectfully agrees to this request. However, on my return from my trip abroad, i received three months bills from XXXX that I owed them. I informed XXXX that this is in no way possible for me owed them since my service have been suspended at least, temporarily while i was away. In responding, XXXX informed me that their system automatically turned my services on and that they would relinquished the amount owed. All said and done, I, knowing that I wont be around often due to work and other busy schedule, decided to terminate my service. Now, XXXX is charging me cancellation fees. Please note ; I do not have contract with XXXX at the time of requesting the service thru XXXX as cinfirmed by XXXX. I am perplexed as to why I have been dubiously held responsible for money I do not owed them. This is a fraudulent attempt by XXXX to collaborate with diversified consultants to extract money from me.
Product: Student loan

On XX/XX/2023, I went to make my student loan payment at nelnet.com. Previously when you make a payment online there was a box that you could check that said " do not advance my due date more than one month when I pay more than the current amount due. '' This box is important because if the box is not checked and you make a payment over the minimum, instead of the excess going to the principal, it goes towards your next month 's payment. Paying extra principal every month helps me reduce the amount of interest I owe. 

On XX/XX/2023 when I went to the " make a payment '' section of the nelnet website the box was missing. 

After searching the website for a long time I found that they moved the box to a different section of the website called " special payment instructions '' ( screenshot attached ). 

I now need to make a separate request to have the box checked BEFORE I make my payment. If this request is not processed before I make my payment, my payment over the minimum amount will not go to my principal. 

My payment is due XX/XX/2023. Payments take two business days to process, minimum. The " special payment instructions '' request will probably take several days. My options are now make a late payment this month or do not pay towards my principal. 

I believe Nelnet is doing this on purpose to make it harder for students to pay down their principals and therefore the students will have to pay more interests.
Product: Checking or savings account

I been having deposits going into all my accounts and I still can't do no check cashing nor pay any bills and I have all my banks leak to each other.i have deposit going into all of them and they will not do no overdraft are protection.and I think that's wrong.they won't let nothing go threw for me.im trying to build my credit.i can't get a loan are nothing.they all turn me down.why.i was dashing and my car broke down and XXXX XXXX XXXX XXXX.making it had for me.i lease my car from them and it broke down.and then I couldn't work.and then I caught XXXX and was hospital.and then on top of that I got XXXX problems.i can't do nothing.everybody turn me down cause XXXX XXXX XXXX  get me delluent cause I can't pay.then on top of that I still got to pay XXXX for a car I no longer has.and wont no bank let me over draft are nothing.im trying to get well so I can work.every bank I apply for a loan I get turn down.why.i don't got perfect credit.i just need a chance.i got overdraft and protection.and I still can't go overdraft.why cant I get a credit card checks and banking and saving at one bank instead of 3.i really need some help.
Product: Debt collection

I PULLED MY CREDIT REPORT FROM ALL THREE CREDIT AGENICES BECAUSE IM A VICTIM OF IDENTITY THEFT AND NOTICED PORTFOLIO RECOVERY ASSOCIATES, I HAVE NO KNOWLEDGE OF THEM,
Product: Checking or savings account

In XX/XX/XXXX my daughter in law gained access to me and my husbands account. We never received a phone call from the bank about this access. Since XX/XX/XXXX my daughter in law has been using a invalid power of attorney for my husband who has XXXX by the way. I am his wife and I have durable power of attorney for all of my husbands needs. This was a invasion of our privacy and was a unacceptable deed done by Bank of America. We attempted to get a copy of this invalid POA and was told to get in contact with their legal department. Which was the wrong information. Of course we closed that acct and reopened another and she has gained access again and pulled out funds this time that hasnt been returned yet. How is this possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, have no way of reporting to the credit bureaus that a credit card from XXXX XXXX is missing on my report. I have clarified with XXXX that they have been reporting with monthly statements but I still see nothing on my XXXX, Transunion, or XXXX reports. When trying to contact all agencies there is no service available that allows me to dispute a missing credit account. The only options I am given are to dispute an account that already shows on my report.
Product: Mortgage

This is my second complaint against Mr. Cooper since this company has not yet resolved/ posted payments ( XXXX paper checks & XXXX electronic ) to my account, yet continues to state that my payments are past due & have charged me {$45.00} in late fees! 

Note that payment of XX/XX/year>25 was sent electronically. 

Responses I have received thus far are generic ; no viable resolutions are presented. In addition, one response I received on XX/XX/year>25, stated : " Upon receiving your request, we have promptly updated our records to reflect your desire to cease and desist communication. As your current loan servicer, Mr. Cooper is dedicated to respecting your wishes and will no longer initiate any verbal or written communication regarding your loan. '' In my email to Mr. Cooper dated XX/XX/year>25, I wrote : " Please cease & desist from mailing me threatening notices when Mr Cooper has failed to acknowledge receipt of said payments. On XXXX/XXXX/25, I spoke with two of your representatives, XXXX, then XXXX who stated she was based in Texas, with number XXXX, extension XXXX. XXXX stated " it might be internal '', that your company " moved, but address is still valid. '' When I asked her to repeat this information, I was suddenly disconnected! '' In my email to Mr. Cooper dated XX/XX/year>25, I wrote : " CEASE & DESIST IMMEDIATELY from posting false information on my account stating that my account is past due by {$3200.00}. It is NOT ... '' Obviously, Mr. Cooper has falsely stated that I said I did not want any further communication. Once again, false information. I see a clear pattern of untruths and finger-pointing directed against me ; I am the victim, not Mr. Cooper.
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. 
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Product: Credit reporting or other personal consumer reports

It was a data breach and my information was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrect information on my account. They are currently reporting a late for XX/XX/2018 and I was never late. I went into the office and made my monthly payment along with an advance payment for the following month. The representative I spoke with confirmed that no other payments were due, or past due and my account was in good standing. So I am not sure why I am showing any lates.