23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received an alert on my consumer report regarding an alleged debt back on XX/XX/XXXX that I did not recognize nor do I believe this to be any debt that I owe. As the natural person my rights have been violated by this company. I mailed a letter to the company certified with a return receipt via USPS tracking number XXXX so I know they have it by now. I'm very upset and XXXX  XXXX  because I'm about to close on my home and this is costing me time and money!!!! Pursuant to 15 USC 1692g this company has violated my rights, as this debt has never been validated nor was I provided any written notice of any alleged debt. They have also Violation of 15USC 1692e Misleading and False reporting because this is not my debt and now you have attacked my character by reporting false information about my to the credit reporting agency without my permission which is a violation of the FDCPA in accordance to my right to privacy. You can just go around putting debt on people like its a game. I'm a teacher so I'm not XXXX nor XXXX  to the law. 
If this is not deleted I will have no problem bringing legal action this company for violating the FDCPA, FCRA, defamation of my character and invoke my right to seek monetary damages under 15 U.S. Code 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability
Product: Student loan

On XX/XX/23 I received 8 credit alerts on my XXXX credit card account. My XXXX XXXX had dropped 70 + points!!! Puzzled I checked in and my student loan company, American Education Services, had put 8 alerts saying that they were unable to reach me. I was puzzled because Id just gotten a notice saying they had changed my guarantor a few weeks before and they said they didnt need me to do anything. I called and they said the knew the issue was widespread among people who had their guarantor changed but they didnt know why and since they only do credit reporting at the end of the month they couldnt fix it. I think thats asinine- I didnt do anything wrong and my credit is tanked. Its after the end of the month and they still havent taken them off- can they be made to fix it? I am trying to pay off debt to raise my rating but this is unbearable.
Product: Credit reporting or other personal consumer reports

Ive requested for my credit report to be frozen multiple times since 2016. Ive found inquiries I didnt authorize and items placed on my credit I had no knowledge of. Due to this, my credit score went from XXXX to XXXX. I can not afford a decent quality of life without good credit. Such circumstances have caused me to contemplate more permanent solutions to end this temporary yet devastating financial crisis.
Product: Credit reporting, credit repair services, or other personal consumer reports

After communicating via mail and phone call on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I am now filing this complaint. Assist me in correcting my credit file which has several wrong account and personal information. DP OF EDUC is listed 3 separate times on my file and hinders me from taking care of my family. XXXX XXXX XXXX is a company that is obviously made up because I have not heard of them ever. XXXX XXXX XXXX which I know is a collections company has listed on my report 2 times. They knowingly are attempting to collect on a debt that is not mine. XXXX  to whom has duplicated a account that is NOT mine. XXXX XXXX I have never given them any information about me and I should not have a account. Every communication with XXXX, XXXX, and Equifax about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts. I know none of this has been done and even my family and friends know I handle my business.
Product: Credit card

I entered a hardship repayment agreement with American Express through their customer service process over the phone. I was told that I agreement was to make {$950.00} a month payments until the debt was paid off and that my account would remain in good standing. American Express accepted the payment but still reported me as delinquent which dropped my credit score, raised my payments with other creditors and increase my hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I find it quite interesting how it takes forever for Experian to update positive activities/factors sent from creditors but negative activities are updated almost instantly. And often time when you do finally decide to update positive factors, scores usually go up by just +1 point. Whereas any small negative factor like an inquiry would decrease scores drastically. Is Experian algorithm faulty, prejudice, Or is Experian incentivized for having its algorithm set up to amplify the effect of negative activity while downplaying positive factors??? In the last year, Ive paid off a mortgage, 2 auto loans, all credit cards balance, just to see my score increase by just couple points, especially my mortgage FICO2 score. This is not fair reporting.
Product: Credit reporting or other personal consumer reports

I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. In order for you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by CDIA in their CRRG, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.

I checked my personal credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXX/XX/XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit card

I mailed in a 3rd party check to pay down my credit card ( Macy 's Amex/CBNA ) in the amount of {$10000.00} on XX/XX/XXXX. I received an email on XX/XX/XXXX 'Confirming your Billing Dispute '. I did not create a billing dispute so I called and spoke with someone who kept claiming I had created the dispute. I escalated to a " supervisor '' who told me the dispute was created in their back office but she was not sure why and that they shouldn't have used the wording. The dispute created stated the following : Mailed Payment is Missing, amount {$10000.00}. I had not called to let them know of the payment and had not checked to see if the check had cleared my account prior to this dispute being made. The person I spoke with said that they would look into it and for me to give it a couple days and then call back. Which I did on the XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. All calls that resulted in the same thing, they didn't know anything about the payment and could not tell me why the dispute was created. On XX/XX/XXXX I spoke with another " supervisor '' who advised that she would send a letter to their back line team to find out why they created the dispute and they would have 5-7 business days to respond. I called the third party who wrote the check and the check cleared on XX/XX/XXXX. I had to make a payment on XX/XX/XXXX in the amount of {$380.00} as to not incur a late fee, a payment that was on the total amount of the bill even though I had already made a {$10000.00} payment that they have somehow misplaced. As of today XX/XX/XXXX, the payment is still not showing applied in my account but I verified that the check did clear on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on XXXX  XXXX partial account numbers XXXX and XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my free credit report from each of the three major agencies over the last year, roughly four months apart. In each case, they have refused to give me online access to my report, instead insisting that I send them a written request. Today ( XX/XX/2021 ) when I requested my report from XXXX, they did not even give me a link to the form I needed to request the report ; they simply routed me back to the beginning of the request sequence. Please look into this -- the agencies are clearly playing games with people here in an attempt to make it harder for them to access the information that the agencies are required to provide. Thank you. -- XXXX XXXX, 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 are in direct violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX, Closed, Charge-Off No Account Number XXXX XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX, L - XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX In addition, XXXX, Equifax, XXXX and the above credit furnishers and collectors, have violated my rights as specified in the following Sections of laws designed to protect consumers : 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 : states a consumer reporting agency can not furnish an 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: Checking or savings account

Just found out I have been ripped off for the last 5 years by US Bank. I have been paying a monthly fee ( XXXX ) that was not necessary and the only response I have gotten from the bank is " you should have read the fine print ''. I even got the answer from one service member that " all banks have to charge fees '' and then a minute later, " we would have waived the fee if you had brought it to our attention '' I asked who is in charge of Customer Service at the bank and was told that they would not release that information. That makes no sense. 

I talked to 5 different customer service people including bank managers. The first one was wonderful and told me how I might be able to resolve my issue, everyone else awful. The last person was from the Ethics Department who basically said " you should have read the fine print and It's not our job to review your account. I do understand this, but over the years I have sat down with my bankers and have gone over my account and the fee issue was never brought up. 

This is not the ethical company that they present themselves to be.
Product: Mortgage

I received a letter from the mortgage company stating that I could cancel my PMI insurance once my loan reached 80 % loan to value, or they would cancel it for me without me having to submit any paperwork or appraisals once the loan to value reached 78 %. i called and spoke with multiple people who confirmed this. They did not cancel my PMI when they were supposed to, and i called them a few months after it should have been cancelled and asked them to cancel it and provide me a refund for the months that i paid it and shouldnt have. they promptly cancelled it as of XXXX, but i still have not received my refund. i have called them multiple times and i am told they would have someone review it but they never do. in XXXX, they told me to email payment inquiry, and i did that and received an automated response that they would respond to me in 2 days and i never did so i emailed it again and still have not heard back as of XX/XX/XXXX. i called again on XX/XX/XXXX and spoke with XXXX, a supervisor and he told me that they would not have cancelled the PMI on their own because my loan was not 5 years old. nowhere on the letter or any of my mortgage documents does it say this so i told him that is unfair business practices and that i would still like a refund. he said to email them on their website and direct it to the PMI department and i did. it has been over 5 business days and i have not received a response from them even though the automatic reply says they will respond in 5. i called again today to check the status and i was told that nobody even works in that department. so who was going to issue my refund or respond to my emails?
Product: Debt collection

I had XXXX XXXX in XXXX with XXXX XXXX XXXX at XXXX, XXXX and XXXX  Specialists of Florida. I went to the follow up appointment and specifically said I did not want any procedure done because I did not want a $ XXXX bill to come to me for simply looking up my nose when I knew I was healing good. My grandmother, XXXX XXXX, was right next to me and a witness to this. They said okay, no problem. I get called to the back and I also informed his nurse or whoever it was that did my vitals and asked me some questions that I did not want an additional procedure done today. He also says okay, no problem. The doctor comes in, we talk and I leave. Before leaving my grandmother wrote a check for whatever else was owed. No procedure was done. I get a bill for almost {$500.00} later. Ive talked with the people in the office about this and they are so rude and disorganized it got absolutely no where. I also submitted through XXXX  that this get taken off which also got no where. 

During the process of me challenging the almost {$500.00} debt, an additional debt showed up from the same practice. This time almost {$700.00}. HOW?! It says the debt is from XX/XX/XXXX but I wasnt living in Florida during XXXX. The last time I saw this doctor was in XXXX. I have absolutely no idea where the second debt is even coming from. And its usual it appears for the first time ever while Im disputing another debt from them. 

I seem to not be the only one having issues with this practice. If you check the reviews to this place you will see that this seems to be a common thing they do to people which goes completely unchecked.
Product: Debt collection

This is a fraudulent phone account. I did not open this. I have no other details. I am unaware of the phone number and email address used to open this account as well
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2900.00}
Product: Credit card

I applied for the Wells Fargo Active Cash card on XX/XX/XXXX. My application was denied immediately after. I contacted the bank and they said a letter would be sent indicating why the application was denied. 

I received the letter today and none of the reasons apply to me. 

Wells Fargo penalizes potential customers for paying off their credit card balance before the end of the billing cycle. 

Wells Fargo said I did not have enough " old accounts ''. This is not true and can be verified on my credit report such an active, in good standing card opened in XXXX for XXXX. I also have another card that was opened in XXXX. 

Wells Fargo said my loan and balance ratio was too high, which again did not make sense since I pay everything off.
Product: Credit reporting, credit repair services, or other personal consumer reports

My 2020 credit report listed a collection account with XXXX XXXX XXXX. This matter was resolved directly with the original creditor, XXXX XXXX XXXX XXXX. Therefore, no monies were owed and credit bureaus were required to remove this incorrect information. 

XXXX  and XXXX  removed XXXX XXXX XXXX from my report. 

However, despite sending them numerous letters disputing this account, Equifax continues to conclude that this information was confirmed and accurate and will remain on my credit report.
Product: Debt collection

My auto insurance with XXXX XXXX ended when I sold my car back in XXXX of XXXX as it was undrivable after I was hit in an accident. I called and informed XXXX XXXX and they continued to bill me thereafter. I bought a new car on XX/XX/XXXX, in which I acquired XXXX XXXX. My insurance premium was paid up to date with XXXX prior to cancelling with them. XXXX XXXX has unlawfully put me into collections for {$260.00} in which is the amount for 2 months after I sold my old car and informed them. I disputed this through XXXX XXXX and they never removed it. 

Please assist.
Product: Debt collection

I have advised XXXX on several occasions that this account is in dispute and I would like an arbitration form. They have refused to answer me, now I am being negatively reported by this company for the debt. This company has never once sent me a letter telling me they had the debt so I could dispute and advise them that I am disputing this entire debt with XXXX This is unfair, I have not had the opportunity to dispute this and this is negatively effecting me through their sneaky reporting.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I've tried to fix this false reporting with XXXX and XXXX last month and they didn't update the late payment I had. I need this last payment/debt collection that is being reporting on XX/XX/2022 to be update I was never late. I have attached the letter I sent them, and they have no proof of this error they are reporting. This has dramatically affected my life and has me getting denied for cars and apartments. Which has me homeless and car less. I need this fixed asap.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I received an email from XXXX stating someone had purchased a XXXX XXXX on my account. Hadnt used XXXX in over 10 years. I didnt respond to the number in the email I went on XXXX and looked up how to report fraud on XXXX . I called the number on XXXX and told them about the email and that I hadnt used XXXX in years.He informed me that there were two other charges on my account, one in Texas and one in Ohio.He said I would have to pay the charges and then they would refund my money.He explained the other purchase for the XXXX XXXXXXXX was the most important because it was bought in my name and Im liable for anything that happens with it.He then had me down load an app on my phone called XXXX and that would help him secure my account .After I did that he had me go to my Wells Fargo app and had me add my debit card to PayPal.Then he had me transfer money to my XXXX XXXX account. I tried and the first two times my card was denied but the third time it went through.I still have that {$190.00} in my XXXX  account.Then he had me buy two gift cards from XXXX and send them to myself, XXXX canceled the transaction because of fraud .Then he had me XXXX money to XXXX XXXX XXXX and that wouldnt go through so he had me send {$500.00} to XXXX and that went through. I was getting suspicious at this point but I was tired and had missed my medication so I kept going.He kept assuring me that these transactions would all be reversed 10 to 15 minutes after we finished.He had me go back to my Wells Fargo app and activate wire transfers.He had me wire {$3600.00} to XXXX XXXX Ebersole.After this was done he said everything would be back in my account in 10 to 15 minutes.He asked me to keep the app on and he would call back in 15 minutes .I had been on the phone with him for 5 hours.I called my bank as soon as he hung up and they informed me it was a fraud.While I was on the phone with the bank filing a claim I deleted the app.While I was on the phone with the bank I had over 10 missed calls from him on all different numbers.It took an hour and a half to do the claim.She cancelled the XXXX for {$500.00} and said the wire transfer was still pending and it would stay like that for a couple days.She said the claim would take 7 to 10 days.When I got off the phone with her the guy kept calling on different numbers until XXXX.I answered once and he wanted me to put the app back in which I declined.The original number I called was XXXX and the website was taken down 3 days later.I have screenshots of the website and the transactions if needed