23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I inquired about XXXX  XXXX. The mobile service was part of a deal if I received if i were to get XXXX internet. The phone was promised the next day. However did not receive until XXXX XXXX Once I received the phone on XX/XX/XXXX the phone was stolen from a restaurant I went to that night. With that being said I canceled my sevices with XXXX XXXX in XXXX XXXX please see attached. I wasnt nor did I receive any invoices after that. They have put this small amount of {$100.00} on my consumer account as collection. Someone reached me by phone on XX/XX/XXXX. After calling 3x back to back I firmly told the guy I do not owe anything to XXXX XXXX then he told me that they will ruin my credit and add it right away. First thing this morning XX/XX/XXXX I get pings that CCS now shows a collection on all my bureau accts
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  XXXX, New Jersey XXXX Sequium Asset Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Federal Trade Commission CFPB XXXX XXXX XXXX, XXXX Washington, DC XXXX XXXXFEDERAL TRADE FEDERAL TRADE XXXX XXXX XXXX, XXXX XXXX did not handle a simple broken phone issue. So we switched to XXXX because XXXX offered a contract buyout plan and {$200.00} credit card gift card. I had 60 days to do online paperwork for XXXX offer and give XXXX itemized bill for early termination fee. 
I wrote XXXX within 30 days asking for an itemized bill that shows the early termination fee so I would be able to submit to XXXX to get my offers. XXXX did not give me an itemized bill only a bill that states {$470.00} is due immediately which did not break the charges down. I went into a XXXX store to get the itemized bill, again I was given the aggregate bill charge. I wrote XXXX again with 45 days again I did not get itemized bill so I lost my offer with XXXX!!!! I was not able to submit the required information to XXXX because XXXX did not, would not or could not give me the information I requested 3 times. 
Now I get a bill collector notice. 
IRespectfully,
Product: Student loan

Was told on previous correspondance I was approved for income based repayment. Then asked to complete an app again. They then asked for pay stubs despite certifying through IRs and my last tax return, and I complied. After completing the second application I was told I was approved and had to pay a new amount eventhough salary had not changed last year. Then I got correspondance today saying my app that was electronically filed is missing a signature. And they are also asking for pay stubs again. Eventhough I was approved and told to pay the new amount in XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I checked my credit report today and I am still disappointed about why these inaccurate accounts are still there. I don't have any knowledge regarding those and it has also been affecting my daily life due to the stress it has caused me. Please kindly thoroughly look at the documents that I've sent regarding those.
Product: Consumer Loan

Received a loan fro m Wells Fargo for fur niture 0 % interest for 18 months. I paid the amount in full PRIOR to 18 months. Upon apply for a car loan I find that they placed a bad credit reference against me for {$4.00} I have contacted them twice and each time I am told that the loan is paid in full and they do n't know why there is {$4.00} on the account or why it was reported to the credit bureau. They said each time they needed 10-14 days to investigate. My bank  (   XXXX  ) in the meantime has made an auto loan to me at an interest rate double of what I should be paying.  XXXX  states that if I can get a letter from  Wells Fargo  they would reduce my interest rate.
Product: Credit card or prepaid card

submitted complaint about bank of america and they responded with phone numbers they will not answer and invalid email address phone XXXX ext, XXXX and email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inaccurate and unverifiable information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following reported information and inquiries reviewed by others listed on my Chex Systems XXXX Report ID : XXXX is fraudulent accounts and a fraudulent credit inquiry : XXXX XXXX, {$3900.00}, XXXX XXXX XXXX, {$380.00} and XXXX XXXX XXXX, XX/XX/2021, These fraudulent accounts and inquiry is the result of identity theft. I have a current police report on file with Chex Systems for being a victim of identity theft.
Product: Credit reporting or other personal consumer reports

My consumer report contains accounts linked to identity theft, which I never authorized with a written or wet signature. I recently notified your organization about this issue and now formally demand the immediate blocking and removal of these accounts from my report. Their presence has caused substantial emotional and financial strain, misrepresenting my credit history and obligations. If not adequately addressed, I am prepared to pursue legal recourse to defend my rights and seek resolution. These fraudulent entries have impeded my ability to achieve crucial financial objectives, including home ownership and meeting my family 's needs.
Product: Credit reporting or other personal consumer reports

Experian failed to do a full investigation on XXXX XXXX XXXX  and the collection is not mine. The address to the collection is XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have never lived there and the name isnt my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE ALL UNAUTHORIZED INQUIRIES Below Please New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX Inquiry - New Inquiry - Experian XX/XX/XXXX XXXX
Product: Debt collection

i am getting threatening lattes from collection agency and a Law office i do n't know who is these debts are not mine not my account i am not paying some body, s debts that is not mine
Product: Credit reporting or other personal consumer reports

I am disappointed because I have tried so many times to reach out to the companies to do something about the inaccuracies in my items but I am constantly ignored. Attached is my FTC for you to review all the inaccuracies reporting on my credit.
Product: Debt collection

I received a call from someone claiming to be with Direct Recovery. They made it sound as if I was about to be served if I don't respond by XX/XX/2021 at XXXX. My problem is I don't know this company or what they are talking about. Plus they called a family member and left the same message, ( they gave my name ), on my family member 's voice mail. I believe they are not legally allowed to discuss any personal information with anyone but the person they are trying to contact. I am registered on the DO CALL LIST. I have not received any information from this company via the postal service. They are upsetting my family members when they call them and give out my personal information.
Product: Credit card or prepaid card

On XX/XX/2019, I received a bill in the mail for my deceased mother from XXXX. My mother died on XX/XX/2019. 

The bill is for {$8.00}. It shows a {$4.00} payment was returned on XX/XX/2019. Her checking account was not closed until XX/XX/2019. 

In addition, I tried to phone them this evening to advice them she is deceased and to close her account. I called around XXXX and spoke to a person named XXXX . When I called her to say I was needing them to close the account because the cardholder was deceased, she claimed she was having phone problems and told me to hold on. Then the call dropped. 

I tried to call back, received their automated system, but when I asked the system to transfer me to customer service, it left me on a dead hold. I finally just hung up and decided to submit the death certificate to your office and to get an explanation why the {$4.00} was returned on XX/XX/2019 according to the statement. As stated before, her banking account was not closed until XX/XX/2019, and at the time of closure, she had over {$1500.00} in the account. On XX/XX/XXXX when the check was returned, she had over {$1700.00} in the account. I know this because I had tried to close out the account earlier to pay for cremation expenses, but I had a difficult time getting them to accept the pending unofficial death certificate. That is a completely separate complaint against XXXX XXXX   that has been filed with your office, the attorney general of Missouri, the Missouri department of Finance, and the Federal Reserve Bank. 

I need written verification that the account has been closed. And I need the CFPB to figure out why they put down a returned check for {$4.00} well before her account was even closed out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I have not received any investigation reports. This creditor has reported late payments on XX/XX/2020, XX/XX/2020, XX/XX/2020 to my report which are incorrect and I am asking these late payments be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit card or prepaid card

I was looking for a credit card last year. They returned my call at a terrible time to go over my application. They said due to legal regulations they needed my wife 's social since arizona was a community property state. I told them I didn't have it, and I didn't want her name on it or her to have a card, he was very pushy. I told him I had to go and to just forget the whole thing, and if I wanted a card later I'd call back. When I got home I forgot all about it because I remembered I already had a credit card from another bank. ( After making some financial mistakes in my past, I don't really use credit cards any more other than to repair my credit so I can buy a house. We are getting ready to buy a house now, and I see that months later he actually did approve my application and give me a credit card which I do not want, or need and it hit my credit. The recording of the call will plainly show that I did not want them to proceed with the card and declined it yet it was opened.
Product: Checking or savings account

I opened the account online on XX/XX/XXXX with an online bank transfer of XXXX . I received a XXXX deposit of {$800.00} on XX/XX/XXXX, and an ACH deposit of {$1400.00} on XX/XX/XXXX. I paid a credit card and sent money to my XXXX account at which point a hold was put on the account. On XX/XX/XXXX I tried to verify over the phone to clear the transfer, but was told I couldnt be verified. So I told them I would go to a branch, which I did on XX/XX/XXXX with multiple forms of ID, including a passport card, Drivers License, and credit cards. I went to the XXXX, FL branch and saw XXXX, he said he couldnt help me and the bank wasnt giving him any information and then let me talk to the person on the phone, who then said they could verify me through my Citibank App. I went in once again on XX/XX/XXXX and saw XXXX for the first time with my the same IDs and my Citibank card and the pin code. He told me there was no money in the account, and as of XX/XX/XXXX all of the funds were withdrawn from the account. He said he couldnt help me though, the account was still under back office review. I then left and called the fraud department, and they said that they were terminating our banking relationship so I expected to receive a check in the mail. I then received a letter telling me my account was being closed for identity theft on Monday XX/XX/XXXX. I called and eventually, after being told to call many different departments, was sent to the incident reporting unit, where I talked with XXXX. She said if I was to go into the branch just one more time they would be able to modify the account. I went to the branch that Friday, XX/XX/XXXX, with my IDs and my Citibank card and saw XXXX again at XXXX  instruction. XXXX called the incident reporting unit, asking to disburse the funds or turn the account on and was told I needed to send an email concerning the account details, which I did immediately. I was told to call in 1-2 days, which I did on Monday XX/XX/XXXX. I did not receive any responses from them. I called and was told I needed to fill out an identity theft affidavit, which they were sending. They didnt send immediately, so I called and they said the request was in. They didnt send it for a week, so I called and they sent it within the hour on XX/XX/XXXX. I immediately filled it out and sent it back. I called back today and he said he couldnt find any bank communications or the emails I have sent to XXXX. Ive called them more times than I can remember, Ive visited them three times with my identification, and this has been going on since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On three different occasions, someone was able to get into my Experian.com account without using a password and applied to multiple loans and credit card companies. There is a weakness with Experian 's website where, if you know enough information about another person, you can " snag '' their account and claim it as your own. I know this works, because the three times that I got notification that my Experian.com account 's email address was changed, I was able to go in the same way the identity theft person was, and without using my email address/login OR password, claim my account back. 

This is a security issue with Experian 's website, but they refuse to acknowledge it. My account was compromised by this method THREE TIMES, and two of those times the hacker/thief unlocked my locked credit. The only way that I could get Experian to stop this from happening was to fax them a copy of my information and told them to absolutely NOT allow online access anymore. 

I have accounts that were tried to be opened at two different financial organizations ( XXXX XXXX XXXX XXXX by a hacker using my stolen account from Experian. I tried to alert Experian, however, they do NOT allow anyone to talk to a person on the phone and when I reached out via XXXX, they were less than helpful.
Product: Credit card or prepaid card

I received a card I never applied for from Wells Fargo. When I called them to report the fraudulent activity, they said that their helpdesk was closed and wouldnt be open until tomorrow, and did nothing to help me.
Product: Debt collection

XX/XX/XXXX I was involved in a motor vehicle accident, and transported to XXXX XXXX XXXX XXXX XX/XX/XXXX I received a letter from Americollect regarding an account that was turned over to their offices to collect the debt. 
Between XX/XX/XXXX and XX/XX/XXXX I have reached out to Americollect and XXXX on multiple occasions. I have also filed a dispute with the credit bureaus. XXXX states the account was never turned over to collections as the account was paid per financial assistance and has a XXXX balance. Americollect states it was turned over and is valid debt. 
XX/XX/XXXX recd multiple emails from XXXX billing stating account was paid, has XXXX balance and to reach out to collection agency. 
XX/XX/XXXX XXXX, with Americollect, states XXXX needs to pull the account. Advised me to forward my communications with XXXX to her office, then states I will need to allow up to 14 days for someone to review the information. 

This is absurd!! 14 days to review the account- its been XXXX years. As the consumer I shouldnt have to spend hours upon hours of my time trying to get this resolved. The balance owed is {$7400.00} and neither XXXX nor Americollect seem to be escalating this issue.
Product: Debt collection

I ask for debt to be removed from my credit report they said it was accurate I don't even know what this is i didn't open this acct and I looked into it XXXX was taken out of my bank account for XXXX I do have proof i have bank statement. I called company they want me to pay for a credit report run it and then go from there to see what they can do about it. For get that why would i pay for a credit report..They are damaging my credit score and it been even paid off.
Product: Debt collection

TCPA Violation- Multi calls, XXXX with voicemail left, from an automated caller. ( AMSHER COLLECTION SERVICES INC ). 
Copies of these voicemails are available.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, Consumer, who currently resides at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, Experian Information Solutions , Inc., any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, and nonaffiliated third parties, have violated many Consumer Protection and XXXX and Privacy Laws. XXXX XXXX XXXX XXXX XXXX, is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, XXXX, severe financial distress, causing him to be unable to extend credit. This account needs to be deleted and permanently removed from the XXXX, XXXX, and Experian credit file of XXXX XXXX, XXXX.
Product: Checking or savings account

They suspended my account for logging in from another phone number. Then when I called they told me to send my information I did that. They emailed the wrong email address three times. I had to call the customer service number in order to see what they replied back. The representative stated that they emails only where my information got sent from or the email that is on file. Which that was incorrect because they emailed a totally different email. Then they keep saying there is nothing they can do I have to contact the support team. They have not emailed me anything when I ask questions and email from a different email they stop replying when I say it's me. They keep saying I have to wait for my account to get unsuspend. It has been 2 weeks and 4 days and my account still isn't unlocked.
Product: Credit reporting or other personal consumer reports

Hello, I disputed multiple credit inquiries with XXXX more than once. They do not verify the information snd send back a ridiculous letter while keeping these inquiries on my credit report which hurts me and my Family. We thought it was their responsibility to verify and remove any inquires that do not belong on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX XXXX customer since around XXXX. After switching to XXXX XXXX in XXXX due to bad experiences I had with XXXX XXXX, I still had a credit card open with them ( XXXX ), so I set up monthly automatic payments and left it to be paid off. Around three months ago I saw a letter informing me that my account was over 90 days past due and delinquent. This was the first notification I received. I didn't receive a letter, phone call, voicemail, or email informing me of the status of my account before that time. 

After receiving the letter in XXXX, I called XXXX XXXX to speak with a manager. I was told one was not available. I call again at a later time and was once more told that there was no supervisor available to speak to me and that I could leave a voicemail and get a return call. In the end, they never returned my call regarding these issues. As a consumer and customer this was incredibly frustrating as well as surprising because never in my life have I not been able to speak to a manager of a financial institution upon request, especially twice. 

After doing some research and discovering that I am not alone with these issues, I decided to look into how to make a complaint and correct the damage to my credit that was done by this. But before I did so, I made sure to call XXXX XXXX again to see if they were going to rectify the mistake. 

I felt powerless in the situation, so when I called yesterday ( XX/XX/XXXX ) I tried to work with them. I informed them again of the issue and said I would be willing to pay off the full balance of the account so long as they corrected the status of the account to Paid as agreed upon. They said they have no such option to do so. I also asked about possible settlement options because there was no way I was going to pay hundreds of dollars in late fees simply due to this issue that I am not fully at fault for. 

I even ask the manager I spoke with, XXXX ( Employee ID # XXXX ) to provide me with information regarding their attempts to contact me because I wanted to verify those efforts. He told me he would not do so because " if I were to sue XXXX XXXX he didn't want to provide me with a stronger case. '' and that I would have to " get a lawyer and a warrant. '' I feel that I was treated this was because I no longer have a good financial relationship with XXXX XXXX. That is, they are no longer my main bank and I could sense that I would have been helped further if this wasn't the case. It was clear they were not willing to correct this mistake, or even to admit they made one, so this is the first complaint I will make to give them an opportunity to fix it. 

This whole situation has been absolutely unacceptable. There has to be a certain amount of accountability on them to notify me of the status of my account, which I do not believe they made a bona fide effort to do. I should not have to, nor will I, pay this balance until I am given, in writing, a statement that it will be fixed and reported to the credit bureaus accordingly. 

Thank you. 

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

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX at 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 and account without my written instructions.
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 : XXXXXXXX XXXX XXXXXXXX : 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 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.