23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I noticed a blocked missed call from a company labeled as CBE Group on my cell phone. When I opened the missed call notification, the history showed 3 separate calls from XXXX dated XX/XX/XXXX @ XXXX EST, XX/XX/XXXX @ XXXX EST and XX/XX/XXXX @ XXXX EST. I finally decided to call them back on XX/XX/XXXX @ XXXX EST since none of the calls resulted in a voice message. When a woman answered the phone she stated they were a debt collection agency and began to ask me to confirm my information. I refused because I could not be sure this wasn't a scam. She asked if she was speaking with XXXX XXXX and if my address was XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX ... which it is not. I confirmed my name but told her the address was wrong and I hadn't lived at that location for over 5 years. I asked her multiple times what this was regarding and she stated this was a debt from XXXX received by them from another collection agency XXXX XXXX XXXX. After going back and forth with her about the age of the debt, I asked for written communication regarding this supposed debt I owed because we were one week away from the end of XXXX and I'm receiving phone calls from their company about an almost 16 year old debt? She then transfers me to her " supervisor '' who I proceeded to ask the same request. I will not confirm or acknowledge anything without something in writing stating that this is even my account as well as who they are in this process. After about 15 mins of him trying to convince me that they were just looking to help me set up a payment arrangement, he finally agreed to mail me notification. On XX/XX/XXXX I received a notice from CBE dated XX/XX/XXXX claiming that XXXX XXXX XXXX forwarded this debt in the amount of {$430.00} to them. The notice states the original creditor is XXXX and the current creditor is XXXX XXXX. The notice also states that due to the age of the account I can not be sued by either CBE or XXXX XXXX. Nowhere in this communication does it state anything regarding this original account, nor does it include dates of any kind. So, my question is what is the purpose of this entire scenario? What is the goal here? I still have not received anything showing this was ever my account ; I don't have anything from XXXX XXXX XXXX ( who I worked with earlier in XXXX to pay off an old debt so they ABSOLUTELY have my current information ) and if I dispute this then I start a legal clock that otherwise doesn't exist.
Product: Credit card

A XXXX XXXX credit card was opened in XX/XX/XXXX without my permission. The credit card address is XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. Their phone number is XXXX. I spoke with " XXXX '' on XX/XX/XXXX at XXXX and she said that she would close the account. The account is still open as far as I can tell. I also show another name and address. Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX.
Product: Credit card or prepaid card

In XXXX of XXXX, I received a notice stating that my credit limit would decrease from {$10000.00} to {$2800.00}. This came as a result of false reporting from XXXX XXXX XXXX XXXX due to a discrepancy with payment date. That issue was corrected, credit score was resolved, but my limit with Amex did not return. I submitted a request to have my limit increased in XXXX of XXXX after making all payments on time, and growing my credit score XXXX  points. I was denied because they said my balance was too high. My balance had been under 20 % utilization since I opened the account with a $ XXXX limit in XXXX of XXXX. I recently made a purchase that brought my balance up to approaching the new {$2800.00} limit. I checked my credit report on XX/XX/XXXX and saw my AMEX balance went over the limit by {$1.00} ( for a charge I didn't notice ). This {$1.00} has dropped my credit score XXXX points! I've recently made an extra payment to amex but wanted to dispute the XXXX point decrease on my credit report as they didn't notify me of the overcharge to give me a chance to rectify before reporting the end of the month.
Product: Student loan

I own and am responsible for a substantial amount of student loan debt. The burden of my debt is held by XXXX XXXX. I am a full-time XXXX XXXX  at a XXXX, XXXX XXXX  in XXXX Montana. I am attempting to participate in the Public Service Loan Forgiveness Program. Although I have been told countless times via phone conversations and through written correspondence that my loans are now consolidated and held by XXXX ( the last of which I know to be true as I make monthly payments to them ), I have been waiting for more than a year to hear back on which of my payments count towards the necessary 120 that need to make in order to receive forgiveness. I have had multiple attempts to contact XXXX and PSLF representatives and have received nothing other than, " what you are doing is right, your paperwork looks good, we do not need further information from you at this time. '' When I query them as to why I have had to wait so long to see how many qualifying payments I have made thus far, I am told, " It just takes time. '' When I state that some of the first paperwork I received from XXXX after they pulled all my loans over and made themselves my servicer was that it would take up to 3 MONTHS to get notice of what payments qualify for PSLF, they sit in silence on the other end of the line and offer no further guidance. Immediately after becoming my servicer, they put my loans into a forbearance state with no explanation. I received correspondence via mail thanking me for MY choice ( which was never mine ), saying that I had authorized this. They do not have my signature on anything stating this was okay. 
I am hindered in my life choices by my student loan debt. I take responsibility for my XXXX,  XXXX XXXX   childhood. I have worked unbelievably hard to pull myself away from all of that. My present and future life choices were meant to be relieved of the burden of this debt for the dedication I have given to raise myself from poverty and for the determination I have to continue to keep away from it. Now, this program has become a punishment and I am made to pay all over again for the mistakes of my family, of myself. I should not have to settle for average, for " barely scraping by '' when, given an opportunity, I could be extraordinary. I want to fly, I want a life unencumbered by the student loans that suffocate me, I want the American dream. This program was supposed to be the springboard to those next steps. Without it, how can I help Make America Great Again?
Product: Prepaid card

On XX/XX/year> a fraudulent transfer was made from my XXXX XXXX XXXX to an unknown cash app account. I have not owned a cash app account or had no knowledge of these transactions as the fraudulent transactions continue to happen on through end of XX/XX/XXXX of 2022. I have never gave anyone permission to link a cash app account to my XXXX XXXX XXXX. I called cash app customer service about this financial data breach that occurred to my bank card. They did take my name and information and told me they will investigate these fraudulent transactions from my debit card. Because the name on that fraudulent cash app account was not me my name is totally different from the name on that fraudulent cash app account they sent me a email verifying that they found that I did not have a cash app account under my name. I do have the email they sent me they also asked for my XXXX XXXX prepaid debit card number to actually see how much and how long the fraudulent charges that transferred to a fraudulent cash app account which I did provide the information. The second email I received from cash stated under further review there was a cash app fraudulent cash app account linked to my debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2018 until present I have tried to cancel a recurring {$19.00} Experian Credit fee. I can not email them, they make you call and never answer the phone. I have called more than a dozen times with 20 or more minutes of wait time. Please stop them from stealing.
Product: Debt collection

I had 2 loans with them YEARS ago. 1 vehicle was surrendered to them and the other vehicle was totaled in an XXXX. I communicated this to them and told them where they could go get the totaled vehicle, should they desire. They leave me a VM EVERYDAY from this number : XXXX I want the calls stopped immediately. I owe them nothing.
Product: Debt collection

The previous investigation has not resolved my dispute regarding the accuracy and completeness of this trade line being reported on my consumer credit report.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 168i ( a ) ], these disputed items must be reinvestigated or deleted from my credit report within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation and verification constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Upon filing MANY complaints dating back to at LEAST XXXX 2017, at NO TIME did Ad Astra EVER delete their trade line from my credit report at all. In doing so, Ad Astra violated section 611 ( a ) [ 15 USC 168i ( a ) ] of the Fair Credit Reporting Act, by the mere act of reporting of any item involving their company, they were commencing collection activity. This is an ABSOLUTE VIOLATION of the FCRA! Ad Astra has never at any time had a LEGAL contract between their company and myself, with MY SIGNATURE. I have no legal obligation to Ad Astra, as I have never, at any time signed any contract with Ad Astra or ANY company they claim to represent.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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 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 or other personal consumer reports

Someone got a hold to my personal information and was using it to create fraudulent accounts...
Product: Credit reporting or other personal consumer reports

I am being pursued by Portfolio Recovery Associates regarding an old account charged off by XXXX. 
The account that Portfolio Recovery Associates provides is # XXXX. 
I have reviewed my credit reports today and I see that Portfolio Recovery Associates listed the account incorrectly and alleged the delinquency date as sometime in XX/XX/XXXX not sometime in XX/XX/XXXX as the documents Portfolio Recovery Associates provided me as exhibit A in their court summons reflect. ( Attached ) So the dispute is they have incorrectly reported this debt as new when it is in fact much older and that is verifiable by their own documents provided to me. 
I provided these documents as part of my recent complaint filed on XX/XX/XXXX regarding this same account. 
Their inaccurate dates imply the account should remain on my credit report beyond the last date of activity, and the entire allegations that I owe the debt buyer anything is thrown further into question because they have shown they are dishonest when reporting dates of delinquency/last action. 
The date they allege the account fell behind is not the accurate date of delinquency, it is the date they ( allegedly ) obtained the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX : All reported charge offs To whom it may concern I am responding to your contact bureau about all accounts regarding charge offs in my name. Since XX/XX/XXXX after my mother 's XXXX on XX/XX/XXXX. I have a solid reason to contact and firmly request removal of all charge offs and collections. Since XXXX my parents accounts have been through identity theft and estate fraud. I have found that I too have had identity fraud attempts or uninformed activity. For me, it started XX/XX/XXXX and continued to the present XXXX security breach. I have disputed credit cards and banks but have not had any resolution. In XX/XX/XXXX, I found that my credit went from a XXXX to a XXXX. I have had seen that my previous addresses show me living in a different city in California which prohibits me from benefits, awards and employment. I have requested removal from all three agencies, Transunion, XXXX and XXXX. This is an industry failure at the expense of individuals. 

Inform all agencies to stop all communication with me and with this address, and record that I dispute of having any obligation for this debt. Stop any collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

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

I have disputed these accounts several time with the credit bureaus & creditors but have not received any results or response for my dispute. These accounts are reporting inaccurately & incorrectly in my credit report and should be investigated. I demand that they respond to my dispute & request for reinvestigation as they are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX I failed to pay my XXXX XXXX payment on XX/XX/XXXX due to financial issues and attempted to salvage the account by paying on XX/XX/XXXX on thursday XX/XX/XXXX I receive a notification that my payment did not go through. 
As soon as I receive the notification I paid the balance but XXXX XXXX reported my account. I take full responsibility for the missed payment on XX/XX/XXXX but my bank rejected my payment on XX/XX/XXXX which made my account 30 days late. I paid with the wrong bank account number and made the payment with the correct account as soon as I received the notification. I would really like to get this removed off of my credit report because I did not know the bank would reject the payment and I rectified the mistake as soon as I became aware of it.
Product: Checking or savings account

Tuesday, XX/XX/year> - Opened a Chase XXXX XXXX  with a {$300.00} signup bonus after making a direct deposit of {$500.00}. After opening my account successfully, XXXX setup direct deposit with my employer. 

Friday, XX/XX/year> : I received a Chase email saying that my new account was restricted and that I needed to call Chase. After that, I called and provided all verifying information. Following this, the agent informed me that my account should be restored in XXXX hours. 

On the XXXX - my pay check was deposited into the account - meeting the signup bonus. 

Saturday, XX/XX/year> : I received an electronic letter via the Chase XXXX stating that my account is restricted, that I needed to call Chase bank, and if I didn't that the account would be closed. I called that day, again, and provided all the info the agent asked. They stated my account should be restored. 

On XX/XX/XXXX - XXXX received the debt card - I called chase bank to confirm and activate the card with no issue. 

On XX/XX/XXXX - I login to see that my checking account is not displayed. I called Chase bank to inquire. After an hour of talking with agents and supervisors, I was advise that my account was closed due to lack of verification. The money that I deposited was gone, and I had no access to it to pay my bills, and Chase would not disburse the signup bonus they advertised.

Because Chase closed my account, chase is declining to provide any paper work, official electronic letters and notices I received because my account was closed and they say there's no way of getting the proof back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In review of my Credit Reports, I noticed there were unauthorized inquiries listed. I never received correspondence that my credit was pulled using these sources and equifax did not have permission to furnish my report to these creditors listed below. 
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint for the Bankruptcy on my credit report last XX/XX/2023. Last XX/XX/2023 I submitted a complaint for the FRAUDULENT items on my credit report but it was closed immediately. I submitted a complaint again last XX/XX/2023 and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). This was my first time submitting a complaint for the FRAUDULENT items on my account. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Debt collection

Credence XXXX agency has flagged my credit reports 5 times in the last 15 days ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Theyre conducting soft pulls of my credit score then flagging it to reduce my XXXX score in an attempt to bully me into paying the debt on file. My credit score has gone from XXXX to XXXX in 10 days due to the multiple flags. Collection agencies are allowed to flag monthly not daily which is an abuse of power and deceptive reporting. Due to deceptive reporting and abuse they should be required to remove the debit or I will pursue filing a legal suit for violation of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

On XX/XX/XXXX I called Macy 's to ask about purchasing a {$3200.00} bed. They had an offer to sign up for a Macy 's American Express credit card and receive 20 % off purchases made with the card. I asked a Macy 's employee if I would get 20 % of the purchase price of the bed if I purchased it same day and they verbally confirmed I did. No mention was made of a {$100.00} limit. 

Also on XX/XX/XXXX I went to purchase the bed over the phone with Macy 's and found out the amount I'd been approved for was only {$2600.00}. Macy 's called the credit card department and helped me raise the credit limit. While I was on the phone with the agent, I asked if I would get the 20 % discount and they confirmed I would. No mention was made of a {$100.00} limit. 

I would not have signed up for a credit card for a {$100.00} credit. 

On XX/XX/XXXX I looked and saw the charge hadn't appeared on my credit card. I called the credit card again and asked if I would still get the discount since the charge wouldn't appear until later. They again assured me I would get 20 % and did not mention the {$100.00} limit. 

On XX/XX/XXXX the bed was delivered and I was charged the full {$3200.00} but only got a {$100.00} credit, far less than 20 %. 

On XXXX, XX/XX/XXXX, and XX/XX/XXXX I called to resolve it and they said they couldn't find any record of my conversations with agents and declined to credit me the 20 %.
Product: Debt collection

I have a debt of {$2000.00} from XXXX XXXX XXXX  the account was given to the debt collectors on XX/XX/XXXX. I never received written notice and was not served a eviction notice due to my lease at that time was up in XXXX of XXXX and gave them 30 day notice that I would be moving out to go back to live with family due to their health condition. I was never contacted about any money owed until I was made aware from a car dealership that my credit score did not make be eligible for the vehicle I was trying to get at the time.
Product: Debt collection

I received a debt collection letter from XXXX XXXX XXXX ( SEE 1 ) concerning a debt from XXXX XXXX XXXX. The letter was not mailed to my address, but used a relative 's mailing address. My debt to XXXX XXXX is from XX/XX/XXXX as shown on credit report from XX/XX/XXXX ( SEE 2 ). Also the XX/XX/XXXX date is evidenced by letter from XXXX XXXX XXXX (  SEE 3 ). The outdated XXXX XXXX debt from XX/XX/XXXX has been sold and resold over and over again to junk debt buyers from XXXX XXXX XXXX ( SEE 3 ), XXXX XXXX XXXX ( SEE 4 ), and XXXX XXXX ( SEE 5 ). 
In between debt sellers and buyers, my last name and account number was changed. 
My last name change can be attributed to changes on my credit report that the debt buyers had access to. 
The account number was first changed on the XXXX XXXX XXXX letter and again on the XXXX XXXX letter. 
XXXX XXXX XXXX did not issue a new credit card to me after the XX/XX/XXXX closing of the original account. That is not logical! If by some chance they did issue a new card, I did not receive it nor have made purchases ; hence, fraud is involved.
Product: Checking or savings account

My direct deposit usually comes in a few days early at capital one. My direct deposit has still not hit my bank even though I have confirmed with my employer that they have paid me. Capital One is stating they are working on it, but it is a vendor issue which they have no control over. On a day like today when I had to cancel my XXXX due to my direct deposit not hitting, causing me physical and monetary harm due to my bank failure to let us know they were having issues with their direct deposit vendor before hand.
Product: Credit reporting or other personal consumer reports

I have been disputing this debt with XXXX XXXX for years. The negative item is reporting on my credit report ( s ) impacting my credit. XXXX XXXX  sent me an agreement with look like computer generated initials and a signature, which is not my actual signature and is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have continued to report the wrong balance on my XXXX XXXX loan for months I have sent my statement several times asking that they please report the correct balance for my mortgage