23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/2022 all of my loans that were with Fedloan were moved to XXXX. They moved all the loans but XXXX  stayed on my credit report under Fedloan, so I essentially have doubles of those loans! It adds about XXXX to my collective debt. I tried calling Fedloan but have been unsuccessful getting ahold of anyone and normally it just says I no longer have an account with them and hangs up. I spoke with XXXX and they said it might just take a couple of months to get it off my credit report however it has now been almost 6 months and they are still showing up. I also have tried to file a complaint with each credit burearu and still the problem has not been fixed!!!!!
Product: Debt collection

Let me start by saying that this collector may have tried to reach me and I simply did n't get the notice. In XX/XX/XXXX, I separated from my partner and after many months of struggling to make timely payments I was served with a notification to vacate an apartment we leased at XXXX XXXX, I complied. The property, sold that debt to XXXX XXXX XXXX and although they have never reached out I was aware of the debt and I knew at some point I would have to pay it. In any event, I contacted Ideal in XX/XX/XXXX to try to settle that debt and at that moment they advised me that they would not settled and that it had to be paid in full, the rep who has been assigned to my account is very strict and did n't give me much leeway to speak or to understand the process she just said this had to be paid and there would be no deduction. Yesterday, XX/XX/XXXX I  contacted the creditor again as I am trying to organize my finances and purchase a home and at this point the rep, XXXX XXXX of Ideal Collection, informed me that not only was there no settlement but that there was no arrangement they could make, the debt has to be settled in full. I was perplexed, is this lawful? Not everyone has {$2100.00} to pay off a debt at once. Are agencies allowed to strong arm a citizen or hold their credit hostage? For the record I offered to make 3 payments of {$700.00} and that was not good enough. I would like to understand if this is true.
Product: Credit card

My Bank of America credit card was skimmed at a gas station sometime in XX/XX/XXXX. I noticed high usage of my credit card but didnt think much of it because each transaction was at a gas station. I didnt notice until in XX/XX/XXXX, I had a purchase at XXXX XXXX Now I only use this card strictly for gas, so then I went back and notice so many unauthorized charges at gas stations. I would fill up gas one day, then in the next 3 days there 3-4 gas transactions at various gas stations. Not once did Bank of America reach out to me regarding my high usage at Gas station. I tried to explain to to the fraud department and re opened the case 3 times- they all came back with unable to resolve my issue to the card was present, and pin was entered. I am extremely frustrated at this point that my own bank who I have a checking and savings account with is not able to resolve this situation. The total unauthorized charges came out to around {$1.00}
Product: Checking or savings account

This is regarding XXXX XXXX and failure to receive my paycheck on Wednesday. They said they would have the issue resolved by today at XXXX. It is now XXXXXXXX XXXX and no resolution has been provided. They are blaming technical issues which violates EFTA as it requires timely access to funds. It raises concerns about your consumer protection laws and I am requesting assistance in this matter. Thank you.
Product: Debt collection

Closed account with XXXX the end of XXXX bill paid in full, I dont owe XXXX. Never received a bill account closed before next billing cycle began. Its a scam, Idenity theft.. Received notice from collections today, I dont owe this bill I pay all my debts. Look at my credit I owe nothing.
Product: Debt collection

I have had multiple issues with Wakefield and Associates. They furnished incorrect information to my credit report. Each time I have attempted to reach out to them to gain insight into the debt and also where they got their information from so that I can dispute what is incorrect I have been met with walls. They reported an account to my credit which I have no knowledge of. When they did so they also reported an incorrect address for me that is now indisputable from my credit. When I spoke to multiple agents at the company to try and inquire about the debt I was told that there was skip tracing run on the account they claim is mine ) but they wouldnt provide the name of that agency so that I could request a report and dispute incorrect information. This happened with multiple agents and I do have the calls recorded. For that account in question they also have completely impossible dates and amounts given to XXXX and XXXX which is why I say I have no knowledge of them. Over the course of XXXX  I sent multiple letters requesting validation of the debt which they claim to not have received. This is due to them refusing to provide me any place to send mail other than their po box and as such I have no way of certifying how received the requests on my behalf. This is a common stall tactic among unethical unscrupulous debt collectors as is all of their previous refusals of my lawful requests.

I spoke with them one last time to try and tell them if they didnt adhere to law I would send them a cease and desist as I have no possible way to work with them in an ethical manner, and on that call also recorded the gentleman told me thats ok well just let it sit and continue damaging your credit and report additional accounts well I still tried my best to get the information out of them I needed such as the address of their registered agent to have them served with my suit as well as the names of the agencies they used in conducting a consumer report about me and an address to receive certified mail given the nature of the circumstances. All requests were declined. Then on XXXX they reported a new account to XXXX, XXXX, and XXXX so they made good on their threat due to the requests I was making. On top of that the account has incorrect information as well as personal information I already disputed to the company directly on a recorded call. 
They violated my rights under law many different ways there and there are too many statutes to cover in this space.
Product: Checking or savings account

On XX/XX/23 my son 's and my joint account was compromised via his debit card by XXXX on XX/XX/23 and apple cash on XX/XX/23. We recognized it and reported it via telephone on XX/XX/23. The XXXX XX/XX/23 charge was {$200.00}. The XXXX XXXX charges on XX/XX/23 were {$100.00} and then {$200.00}. The XXXX charges were reported while they were still pending. It also important to note that XXXX XXXX is not sent up on either of our phones. My son filled out the affidavit that was sent to him by email. Another affidavit was sent to him in the mail at home. He goes to military school and serves in the XXXX. When he didn't receive or return the affidavit that was sent to his home address ( we thought that the email affidavit covered all charges ), Truist debited his account back for the two XXXX pay amounts {$100.00} and {$200.00}. He then called them in early XXXX to re-dispute the charges. This time they sent the forms to him by email and he signed them. He has contacted them several times and they just say they are investigating. So, we are at an impasse. Truist has lax controls over their cards and fraud. We reported this while the charge was pending, and Truist didn't take action and block the charge. Trusit has taken advantage of my son 's limited access in military school and serving in the XXXX to run out the XXXX XXXX dispute timeline. Disgraceful.
Product: Mortgage

XX/XX/XXXX I reached out in order to find out why my monthly payment had dropped when my loan was transferred over to PHH Mortgage from XXXX XXXX XXXX. 
When I signed my paperwork on XX/XX/XXXX the agreed upon payment was {$1600.00}, however when my account was transferred to PHH my monthly payment was set to {$1400.00} which had landed me short for my escrow account at the end of the year in XXXX by {$1800.00} After calling customer service at PHH they were unable to give me a justification of why this adjustment has been made.
Product: Checking or savings account

On XX/XX/XXXX Someone went to Bank of America and withdrew funds from my checking account with fraudulent checks for {$22000.00} XX/XX/XXXX Check # XXXX Pay to XXXX XXXX XXXX {$8500.00} XX/XX/XXXX Check # XXXX Pay to XXXX XXXX XXXX XXXX {$2500.00} to XXXX XXXX  XXXX # XXXX XX/XX/XXXX Check # XXXX Pay to XXXX XXXX XXXX XXXX {$2500.00} to XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX  was paid on XX/XX/XXXX {$9200.00} ( XXXX XXXX ) XXXX  ID # XXXX The person who did this is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lives in XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police report # XXXX XXXX, IL I want all these people prosecuted.
Product: Credit reporting or other personal consumer reports

I am writing in regard to an issue with the way you are reporting this account on my credit report. I have noticed that your company has reported to the bureaus that my account was charged/off, and it is impacting my credit score from obtaining credit. I have paid the account in full and is legally validated from the dates shown below. please see attachment of proof. XX/XX/XXXX the original creditor XXXX  account # XXXX opened on XX/XX/XXXX. I have no further obligation with this account since it is only hurting my credit and holding my credit points down. It is my understanding that you will investigate for these items to ensure full creditability as it should be because I paid in full and do not owe any balance as todays date. XX/XX/XXXX and it has been showing on my credit report as charged/off since dates XX/XX/XXXX for Equifax XXXX , XXXX. 

According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. I respectfully request to be provided proof of this alleged item. This means I am asking for this charge off to be deleted off my credit account report since I have paid in full. I have also filed a dispute against the original creditor to have this deleted off my account since it has been paid off as balance of XXXX $ and have failed to comply back with me. I expect to see a response from you within 30 days proving the validity of this account. If you can not validate this account, then I ask that you immediately delete this from my credit reports. If you fail to investigate this account properly you will have violated my rights. I have uploaded proof of Identity of myself in two forms possible. please see attachments. 

I am demanding a deletion on the following accounts. 
XXXX account # XXXX Thank you and best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX
Product: Credit reporting or other personal consumer reports

I noticed a debt collector XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX reported on my credit report on XX/XX/2023. I have no knowledge of this account. Someone has gained access to my social security number without my written consent to apply for anything in my name. Furthermore this debt collector XXXX XXXX XXXX has no license to collect any debt in the state of Georgia. Can you remove this collection off of my report or I will have to purse legal matters. 

15 U.S. Code 1681c2 - States to Block any information resulting from identity theft. 

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, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 of 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

XXXX XXXX XXXX Original creditor : XXXX ADVANTAGE : Balance {$660.00} XX/XX/XXXX PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX BANK XXXX XXXX. Original balance : {$730.00} XXXX XXXX PORTFOLIO RECOV ASSOC Original creditor : SYNCHRONY BANK Balance : {$860.00} XX/XX/XXXX CREDIT COLLECTION SERV Original creditor : XXXX XXXX IN. XXXX XXXX : Original : XXXX XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize or sign for any of these inquires and by the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my reports. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the address above. According to the act, there shall be no charge for this updated report. 

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied with XXXX XXXX XXXX XXXX in an attempt to open an account. I received a Notice of Action Taken-Notice of Action Based on Information Contained in a Consumer Report ChexSystems ). However, I have attempted multiple times to retain report via online and phone calls with unsuccessful attempts. I have included FTC reports of identity theft and other banking institution so that I can open up an account. I have also reported this information to the CFPB due to the difficulty of obtaining reports and or customer service since XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just filed a complaint with Experian and they closed the complaint without even investigating it! The response I got We dont think this is you so were not going to take action! I just filed a complaint on XX/XX/20 Explaining that Experian was falsely reporting inaccurate information on my credit report! Please reopen the complaint filed on XX/XX/20 and investigate the inaccurate information reported!
Product: Bank account or service

PayPal enrolled me in their PayPal Credit account with unclear and misleading information with a credit line, like it is a given because of my excellent history of using regular PayPal for online purchase. PayPal XXXX XXXX XXXX did a hard credit inquiry without my authorization ( nor did PayPal ever stated that they will ) so I did not find that out until I applied for mortgage refinancing and was informed the deduction of my credit score, hence the higher interest rate than I was initially informed.
Product: Checking or savings account

On XX/XX/year> I went to the XXXX XXXX of Bank of America in XXXX XXXX to deposit a check I had received from the State of Massachusetts Treasurer. I had been out of the country for 9 months and had received the check on XX/XX/year>. I approached a teller and asked them to deposit my check. Since the check was for an amount over some internal threshold, they asked for a secondary verification, which I was fine with. 

The verifier told me that because the check was more than 6 months old their policy was not to honor the check and denied me service. I went home and looked up their policy on their website which is to not honor personal checks that are more than 6 months old unless denoted otherwise on the check itself. This was a government-issued check. Moreover, the State of Massachusetts is clear on their policy about their checks being honored up to one year and have codified it into law : XXXX XXXX XXXX My complaint is that they misapplied their policy and denied me service as well as not attempting to understand the policy of the check issuer at hand. At no point did they stop to consider that their position might be wrong and that their guidance for me to get the check reissued was necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 23 and 24 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5.  Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts has violated my rights, XXXX  # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX 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 XXXXXXXX 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: Debt collection

I was alarmed when " Late Payment '' notifications began appearing on my XXXX Credit Report in XXXX 2016. They were listed as a collection by Stallings Financial Group, on behalf of XXXX XXXX XXXX XXXX ( XXXX in the state of XXXX ). I am not their patient nor am I a resident of XXXX. I 've lived in XXXX for four years, and XXXX for two years before that. Three separate attempts to contact Stallings Financial via the email listed on their website were ignored. I contacted XXXX XXXX directly, and they expressed interest in helping me resolve the error. XXXX, a representative of their office, replied to my message, and was successful in reaching Stallings Financial. XXXX instructed me to contact " XXXX '' at Stallings Financial. When I did so, " XXXX '' directed me to contact a different number. When I attempted to reply to " XXXX '', her e-mail suddenly came back as " undeliverable ''. A subsequent attempt to contact the generic information e-mail listed on their public website regarding the disappearance of " XXXX '' returned another " undeliverable '' error message. I 've never received a " letter of validation '' for this debt, and my attempts to request one are being blocked.
Product: Debt collection

I am a victim of identity theft and noticed a collection from Credit Coll. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit Collection in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit card or prepaid card

Want to know why account still shows on my credit. Credit card was closed do to late payment but i payed off the total amount due and its still showing of on my credit score. They continue to send me bank statements when account is closed all ready.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to correct the inaccurate information which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to CORRECT the account listed below : XXXX XXXX XXXX XXXX Balance : {$0.00}