23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX 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 XXXX XXXX  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 XXXX 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 XXXX  XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
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 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 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 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/2022 at XXXX pm- I returned a missed call only to find that it was that of a collections agency. The company calls itself Accounts Receivable and the agent identified himself as XXXX XXXX. XXXX XXXX states that I owe a debt to a company called skyline media. He told me that I was a scam artist that I churn and burn companies. He was yelling and screaming to the top of his lungs and said that minorities are always trying to claim poverty. I was able to record all that he said with an app on my phone, he threatened to sue me and take anything that I have. He was making so many threats and screaming so irately that it caused me to have an anxiety attack. This has to stop I can not stand to see anyone else experience what I experienced today. Please help. 
I found the following information on the internet regarding this company : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL, XXXX Phone : XXXX Fax : XXXX
Product: Credit card

In early XXXX I applied for a credit card ( Chase Sapphire XXXX ). On XX/XX/XXXX, I got a letter in the mail saying there was a fraudulent credit card application. It was not in fact fraudulent because I did apply for the credit card. Around XX/XX/XXXX ( 2024 ) I spoke on the phone with Chase representatives. They told me to upload documents to an email on their portal to negate this false fraud. I uploaded therefore my passport and driver 's license on the XXXX of XXXX to the portal, in response to the email. This was supposed to verify my identity so that I could get my application through. Then, again, I got a letter in the mail saying that this credit card application was fraudulent ( when it in fact was not because I did apply AND uploaded XXXX forms of identity ). On XX/XX/year> I spoke to a Chase representative. They said that because they could not " verify '' my identity with their software, my credit card application was declined. 

I am complaining because I did in fact apply and therefore it is not fraud. I followed all appropriate steps on my end and uploaded the necessary documents. Now, because of Chase denying my application and saying it's fraud, my credit score has taken a substantial hit. I am complaining because of this credit hit and because of the credit card application denial.
Product: Debt collection

This past Spring I contacted you concerning a debt that I had been paying off through American Express. That complaint was ID : XXXX. We had settled on 24 payments of {$35.00}. I made all 24 payments however they sent the final payment back saying that office in XXXX NJ was no longer servicing this account. 
With your assistance they spparently wanted an additional {$1.00}. 
I called them tlo ask why they didn't simply cash that check and request an additional {$1.00} to settle the matter. They really didn't have a response. They just wanted a check for {$37.00}. I sent a check for that amount the following morning while confirming the address that I needed to send my final payment. 
In XX/XX/2022 I received a letter from American Express with the uncashed check for {$36.00} stating my debt was paid in full. 
On XX/XX/2022 I received a new letter from Anerican Express stating that I owe them {$540.00}. 
How can this be???
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a Debt Validation Letter to Prince Parker & Associates requesting written proof that the alleged debt is valid and that I am legally responsible for it. Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to request validation before any debt can be reported. 

Despite my request, the company failed to provide validation but still reported the debt on my credit report, which is a violation of federal law. This inaccurate and unverified information is damaging my credit, and I am requesting its immediate removal. 

Additionally, I have been receiving harassing calls from Prince Parker & Associates, but when I answer, there is no response from their agents. 

Since the company has failed to provide the legally required validation but still reported the debt, I am requesting that the CFPB investigate this matter and take action to have the debt removed from my credit report immediately. 

Thank you.
Product: Student loan

I am an XXXX representing four individuals in a federal lawsuit alleging that XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ), among others, including XXXX XXXX, Transworld Systems, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX are unlawfully collecting student loans they do not own by virtue of the loans being purchased by XXXX XXXX XXXX XXXX ( " XXXX '' ) during its bankruptcy. The case is pending in Maine, Docket XXXX.
The XXXX have over 370 collection lawsuits pending in state court in this state that my clients believe are unlawful. The lawsuits are unlawful because the Trusts do not own the loans. The loans are " Postpetition Purchased Loans '' as that term is defined in the XXXX Bankruptcy in US Bankruptcy Court - District of MA, XXXX XXXX Docket XXXX ( XXXX ). The Plan is Document XXXX and the Plan Trust Agreement is Doc XXXX.
In short, the XXXX are claiming ownership of loans that were purchased by the XXXX.
This is a SIGNIFICANT problem because student borrowers are being chased by the XXXX Plan Trustee 's collection agents and The Trusts for the same loans, payments have not been credited, false and damaging information has been transmitted to credit reporting agencies and borrowers are being harassed. My clients settled what they thought were the XXXX loans for thousands of dollars and were nevertheless sued by the Trusts on the same loan.
Product: Student loan

Navient is showing on my credit report several times please have this loan verified. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious account. I think you have not validated this account 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 # XXXX and I'm including it again. 
XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$19000.00}
Product: Credit reporting or other personal consumer reports

these accounts is all unauthorized I NEVER RECOGNIZED this account PLEASE DELETE them all XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Below are unauthorized inquiries due to identity theft from WELLSFARGO DEALER SVCS ( Finance ) 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

Hi there, I noticed that unfair credit practices happened with Equifax and XXXX. I have been working to pay debt off in order to have a better credit score so I may be able to have low interest rate on a car and to also be able to have housing in a good area for my children. For the last 2 years I have been poring off debt and notice a descripency in the points that are added into my account. Because of this my credit has stayed in poor status causing me to be in areas unsafe for my children due to being denied housing due to low credit score. I recently paid off a credit card by {$240.00} dollars of a XXXX dollar limit and was only given XXXX points for paying credit off. Months ago they gave me XXXX points just for paying down credit card by {$120.00} dollars. It looks like an unfair practice for me to have minimum debt and a low credit score. Please help in the ensuring fair practices are happening.
Product: Credit card or prepaid card

I noticed my credit report had an open account for the amout of  XXXX , opened back in  XXXX , of  XXXX  i never open tye above account, also i disputed it with all  XXXX  credit reporting agencies. This account was open without my authorization. This account does n't belong to me. On  XXXX ,  XXXX   XXXX  after my dispute it was removed from all  XXXX  credit reports, and on  XXXX   XXXX ,  XXXX  the company reinserted the same account, and by law an once and item is removed from credit reports it can not be reinserted after 7 days
Product: Credit card or prepaid card

I have a Capital One Platinum credit card where I make minimum payments in direct percentage to the usage of the card. During the month of XXXX of 2017, I was working as a XXXX XXXX for XXXX XXXX  and the engine in my car overheated and blew up, I was left with monthly payments of {$390.00} and repair bill totaling {$5800.00}, at the time I had very little money saved up and I went through a very rough financial patch because I had to start working inside of the store making XXXX rather than XXXX them and that cut off all of my XXXX, therefore I started to make half of what I was making before. Over the that month, I was barely able to make the minimum payment and by the time I reached XXXX of 2017, I reached and surpassed the {$300.00} credit limit in my card, and was left with a balance of {$310.00}, to which was added a {$35.00} fee, which caused the minimum payment to be {$91.00}, which was impossible for me to pay due to my hardship, which I communicated to Capital One and I was unable to come to a lower payment agreement with them. Furthermore, the month of XXXX of 2017 came by, and I still had not been able to fix my car and I was still paying the monthly payments while making half of what I was before, and so I had not been able to make any sort of payment, which caused a second fee of {$35.00}, and a new threshold for my minimum payment allowed of {$120.00}, which once again was an unimaginable figure for me to pay at the moment, so I once again reached out to Capital One over a phone call to attempt to come to a lower payment agreement so that I would not miss yet another payment, but they were unable to help me out. I was able to finally make a payment on XX/XX/XXXX, but by then I had missed two months of payments. Since then, I have continued my business with Capital One and I have never missed a payment. Now, I am attempting to purchase a car and I have two late or missed payment that are hindering my credit report badly, from a moment of hardship in my early adulthood.
Product: Debt collection

I received a phone call from phone number XXXX XXXX XXXX XXXX. the lady said they were sending the police out to serve papers on my wife. I asked what it was about and she said I would need to speak with the attorney handling the case. I was transferred over to a XXXX XXXX who was not a lawyer. He said it was for an old debt that my wife had. He told me that with court costs that it was around XXXX dollars but the would take less. This is after he tried telling me his life story about his XXXX kids, ice fishing which I did not care about. He gave me his number which is XXXX. My wife called and ask them to send the information to our address. With who the loan was with, when it was taken out, what they were willing to take as a settlement. She was transferred to a XXXX XXXX XXXX who refused to do any of that and threatened her with legal action. XXXX XXXX XXXX told her that it was XXXX dollars that she owed with court costs. We have never received any thing on this bill before. The number XXXX has called me since then. I feel this is a scam and that they are very unprofessional. There should be no reason the information shouldn't have been mailed to us. When I looked them up on line the adr lawgroup is out of the west coast. So I looked them up as adr group and found them on several sites like ripoff.com. Which states they are a scam group. there is no mention of this bill on any of my wife credit reports.
Product: Debt collection

This company Diversified Consultants is trying to collect on a debt from XXXX XXXX that i do not owe and have numerous calls with XXXX XXXX over the past year and a half that this debt is not owed due to the fact that i replaced their tv service with XXXX XXXX and notified them when to cancel the service and XXXX  never did that. They kept on billing my account month after month for service that was no longer used. All equipment was returned to XXXX This balance is not owed by me, XXXX made the errors of charging me month after month and I am not responsible for their errors. I called Diversified on XX/XX/XXXX and told them the story and errors by XXXX XXXX twice already and since this is the 3rd collection agency that has tried to collect this money they were also made aware that I am not liable for this debt. XXXX XXXX made the errors they need to take care of this balance and delete off my name. if needed i will supply the company with the XXXX XXXX bill or bills that shows i had service with them at the dates XXXX claims i had service with them.
Product: Student loan

Upon student loan. I was by the time a first time student at the college and was not aware at all that this money accepted by me was a student loan, instead thought mistakenly it was a FAFSA grant request needed to be accepted by my college portal. I would appreciate it if this issue can please get resolved as also I was never given this money also. Please and thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to VALLEY EMPIRE COLL CO agency because I am having difficulties with applying for new credit cards. I paid the collection and do not owe anything, but the mark in my reports prevents me from achieving the desired results. 
I am kindly requesting VALLEY EMPIRE COLL CO agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and noticed some things are incomplete and not accurate. According to fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These account, XXXX XXXX ( # XXXX ), is not complete and acccurate. And one more thing aaccording to 15 USC 1681s-2 A person shall not furnishany information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate. Check the attachments below.
Product: Bank account or service

PLEASE HELP : This is NOT related to current allegations/litigation ( accounts being opened ) against Well Fargo, but SOMETHING NEW, that I believe you are not aware, according to Wells Fargo Executive Office themselves. 

I just got off the phone with their EXECUTIVE OFFICE, specific to a complaint I filled with them via email and once again, they admitted that they violated their own BILL PAY policy and unjustly profited by charging me overdraft fees. 

I also received confirmation with them that this phenomenon is UNRELATED to the current lawsuits/claims and has never been litigated. 

The problem is SYSTEMIC and over the past 3 + years, they have profited XXXX of dollars off of me in contrived illegal overdraft fees. 

What makes it doubly unfair is, when you complain, they might refund some fees with admission of guilt and apology but, they only GO BACK 3 or 6 Months ( 6 if you press them ), because that 's only as far as their " system will allow ''. This means THEY KEEP ALL THE MONEY THEY STOLE - knowing it is illegal and against their own policies - if it was beyond 3 or 6 months. 

I for one, have been victimized by this, what I believe to be a deliberate scam, or at minimum, a deliberate indifference toward what they know exists and no doubt, there are XXXX of XXXX, if not XXXX, that have as well. 

THE BANKING SCAM/ISSUE : Wells Fargo has a BILL PAY FEATURE that they make available to all customers. They will send out a check on your behalf to your designated BILL PAY RECIPIENT from any XXXX of your linked accounts if funds are available. Check sent is equivalent to a Cashier 's Check. HOWEVER, when you do not have enough available funds, they routinely and historically will send out the check anyway - even if the account is overdrawn - so as to charge you a non agreed upon {$35.00} overdraft fee. 

THEY ADMIT THAT IT IS AGAINST THEIR OWN POLICY AND ILLEGAL. 

This practice dates back many years and is systemic. I have personally suffered loss of XXXX of dollars from multiple accounts combined. 

Please help. 

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

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$460.00} XXXX XXXX XXXX {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

Tidewater Financial has charged wrong fees. Continues to report incorrect due on credit. I owe them XXXX but they continue to report it as owing XXXX I pay every month yet they continue to report late. I am sick of it. They added XXXX to loan that was not explained when I got the couch. I am livid all my other accounts besides this one is on time. They lie and do not respond. They harass with emails but then do not respond when I reply. They lock me out of the online account every month.
Product: Debt collection

I entered a retail contract with XXXX 's appliances in XXXX of XXXX. I made monthly payments in the amount of {$410.00}. On XXXX XXXX XXXX, I received a payoff amount of {$1600.00}, which was paid in full on that date. I never received any notification of the account being paid in full and closed, although it was requested multiple times. In XXXX of XXXX, XXXX 's began reporting to all XXXX credit bureaus that my account was delinquent 90+ days, even though the account had been paid in full in XXXX of that year. In XXXX of XXXX, after multiple disputes, XXXX 's agreed to settle and close the account and remove ALL negative remarks from all 3 credit reporting agencies. XXXX 's appliances has reported that the account is closed, but has not removed any of the fraudulent prevaricating negative connotations on my credit report. These negative marks are diminishing my credit worthiness and need to be removed immediately as previously promised.
Product: Checking or savings account

HSBC has been a NIGHTMARE to deal with regarding my XXXX XXXX XXXX income being deposited when HSBC receives my deposit. My XXXX has been sitting in the pending status since XX/XX/year>. My XXXX XXXX XXXX is guaranteed government monies. HSBC holds on to those funds to get interest on monies at the 1st of the month.

I am a Master Accountant and I know the Money Game!! 
Last month I called on XX/XX/year> and my XXXX XXXX XXXX  was released XX/XX/year>. 
The Chat and Phone Representatives need further Coaching regarding the LIES that are Spewing to HSBC Bank Customers. 
I am so XXXX  and Frustrated with HSBC Bank. 
However I will No Longer have this problem as I spoke with Social Security and I have changed my Direct Deposit to my other bank account.