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

In accordance with the Fair Credit Reporting Act XXXX accountXXXX 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. States a consumer reporting agency can not furnish any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.
Product: Debt collection

Company is Simmons Agency. I had a visit to XXXX XXXX XXXX during a time when inhad no insurance. I paid my XXXX Then i was billed XXXX. They said thst i would owe nothing when i called them. Now i have this company simm9ns agency calling me daily from phone numbers all over the USA. 
This agency is also calling me about a mefical debt from XXXX XXXX. I am refuting validity of. They are charging me for xrays i never took. I went to there over wsited over 1 houe .. Got up and walked awsy with no tests. They turned it in to my insurance company. I asked for the films. They refuse to give me. They sent a piece of paper. I know i never took. This is XXXX. 
The XXXX XXXX was 3 yesrs aho XXXX. And XXXX  was XXXX. I have repeatedly told Simm9n Agency not to call on my work phone. I have asked and told community that this is unfair. I am at a liss. They call me constantly. There is no one there when you pick up and then they come 9n and ask you to wait for a telephone operator.this goes on 3 to 4 times a day. All from different masked numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered Experian has been taking money from my bank acc since XX/XX/2018 for services I never even knew about or wanted. I called them and they said theyd reimburse for 1 months payment {$23.00}. They said Id have to get my bank to dispute the rest. Well the bank can only dispute 1 month. Ive been deceived and am out around {$750.00} that I need! Im on social security and I dont waste my money on this kind of unnecessary stuff. Please help me get my money back! I certainly appreciate your help!
Product: Credit reporting or other personal consumer reports

I am writing to report and dispute inaccurate information on my credit report, as provided by Experian. On XX/XX/XXXX, I contacted Experian about the following discrepancies in my credit report, and to date, they have not responded. I am seeking the necessary corrections as per my rights under the Fair Credit Reporting Act ( FCRA ). 
Below are the details of the inaccurate information and the corrections I am requesting : The account with XXXX XXXX XXXX  ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Credit {$24.00} ) was never late. Please remove it from my credit report. 


The account with XXXX XXXX XXXX ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Credit {$24.00} ) was never late. Please remove it from my credit report. 


The account with XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5200.00} ) is reported incorrectly. I disagree with the Balance of {$5200.00}, as I remember the amount to be lower. I request the deletion of the Past Due amount, as this account is closed and charged-off. Please mark this account as disputed to prevent it from influencing my credit score. 


The account with XXXX XXXX Account Number : XXXX, Date Opened XX/XX/XXXX, Balance {$58.00} ) is not mine. Please remove it from my credit report. 


The account with XXXX ( Date Opened XXXX, Balance : {$1000.00} ) is reported inaccurately. I believe the Balance should be lower. The Past Due amount should not be reported, as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor. I also request the verification of Date Opened, Date of Status, and First Reported. 


The account with XXXXXXXXXXXX XXXX ( Date Opened : XX/XX/XXXXXXXX  Balance : {$2600.00} ) is reported with an inaccurate Balance. I do not recall owing such a high amount. This account is closed and charged-off, so the Past Due amount should not be provided. Please mark this account as disputed to prevent further negative impact on my credit score. Additionally, I request verification of Date Opened, Date of Status, and First Reported.
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. 
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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the 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 accounts XXXX XXXX XXXXXXXX DEPARTMENT OF EDUCATIONXXXXXXXX are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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. 


I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number XXXX They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

and according to 15 USC 1681s-2 they are suppose to 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: Payday loan, title loan, or personal loan

The company still has not processed my cashiers check and still charging me interest after confirmed receipt of a cashiers check. 

Also and most importantly, they still have not updated the 3 credit bureaus to show the large payment that nearly covers the entire account balance. Causing my credit score to be lower.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Bankruptcy XX/XX/2018 and went on to all three credit bureaus to make sure debts were showing such and if they didnt I disputed them and asked the bureaus to please update or delete the account. All creditors were notified by the US Bankruptcy court XXXX and XXXX  did their part and either updated or deleted where XXXX  has given me the hardest time getting this one account of my credit report and I disputed it three times since doing the bankruptcy as the confirmed the account that has be included in the bankruptcy and I told the creditor and XXXX  on numerous times they are violating the us bankruptcy act but not updating the account to show XXXX balance and included in bankruptcy along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX-XXXX  on account # XXXX original creditor XXXX XXXX who already had taken their file off my three reports but this collection agency refuses even after numerous calls to them. XXXX  is all refusing and aftr three disputes and I saying that I was filing a Dispute with your agency they want my ID and social security card to make things more hard on me. After completing the last investigation and threats of me filing this dispute items that were removed where put back on my credit file which were included in bankruptcy tonight the added then back down to drop my credit score 128 points in retaliation knowing they were included in bankruptcy under Thomas Agency. They violating Fair credit reporting act and should be held accountable
Product: Credit reporting or other personal consumer reports

The following is a copy of a letter I sent to Experian via certified mail. 


XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA. XXXX SSN : XXXX | DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Hello, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 a ) 1 ) ( A ) & Section 611 ( a ) 1 ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

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 Please remove all non account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX XXXX
Product: Debt collection

XXXX. XX/XX/XXXX, sold 2 lots of items on XXXX to the same user. First transaction was for {$100.00} and second was for {$560.00}. The buyer made a payment through XXXX with credit card. 

XXXX. XX/XX/XXXX, buyer files 2 case against me through XXXX for problems with merchandise. First case {$100.00}, second case {$560.00} XXXX {$660.00} total ). 

XXXX. XX/XX/XXXX, I dispute the claim. XXXX rules in favor of buyer, no further action is required from the buyer, they keep the items I sold them, and the money was returned to their CC account. 

XXXX. XX/XX/XXXX, XXXX requests I repay the negative balance of {$680.00} ( {$660.00} + fees ). The  same day I reply to XXXX requesting help as I believe I have been a victim of credit card fraud known as " friendly fraud ''. I don't get any reply from XXXX. 

XXXX. XX/XX/XXXX, XXXX forwarded my negative balance to debt collector ; SIMM Associates. 

XXXX. XX/XX/XXXX, I send a dispute letter to the debt collector and submit a complaint with the Consumer Financial Protection Bureau.
Product: Checking or savings account

on XXXX  my account randomly got suspended for no reason i was trying to add a bank account and got suspended immediately permanently
Product: Credit card or prepaid card

XX/XX/2022 I purchased five round-trip airline tickets, using my Citi XXXX XXXX credit card. 
XX/XX/2022 I called Citi customer service to confirm that each of us could check one bag for free because I used the Citi XXXX XXXX credit card. The customer service agent assured me that YES, each of us could check one bag free. She explained that I may have to pay at the airport but to rest assured that Citi would refund those charges. 
XX/XX/2022 we checked four bags and the agent required that I pay for all four checked bags at a cost of {$30.00} per bag. Total charged {$120.00}. 
Three of the four bags could have been carried onto the airplane, but I chose to check them because Citi assured me that I could check up to five bags free. 
XX/XX/2022 we flew back home and did the same thing - checked four bags, paid {$120.00} to the agent knowing it would be refunded per Citi 's assurance. 
I filed a dispute of these charges with Citi. Citi created 8 seperate disputes ( one for each baggage charge ). 
Eventually Citi refunded me {$60.00} for baggage fees on XX/XX/2022. 
I believe Citi still owes me {$180.00} for the other baggage fees. 
I have screen shots of the online conversation with Citi customer service. I submitted this to Citi.
Product: Debt collection

asset recovery solution is trying to collect on a debt that was discharged in bankrupcy.I have had extensive fraud which i finally just filed bankrupcy.
Product: Consumer Loan

I would like to report CNAC, dba car now aacceptance company for harassment. I am fully aware that I am behind in my payments, but I have repeatedly asked them not to contact me at my place of employment in writing. They have ignored this request. I as well as family members have asked them not to contact us anymore and take the necessary measures to collect on debt, yet they continue to harass. Please let people know that they should not do business with this company
Product: Debt collection

In accordance with the fair credit reporting act XXXX  account # XXXX Bridgecrest, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1692c ( C ) states you have the right to refuse to pay any debt 15 U.S.C 1692b ( 2 ) debt collectors can not say you owe anything
Product: Student loan

Co signed my sons student loan through wells fargo. I have been hit on m credit report XXXX times. My son has XXXX different loans co signed by different people. Mine was the XXXX and wells fargo assigned the same account number for XXXX. every-time my son makes a payment they arbitrarily assigned the payment where they want and often times my loan does n't get paid in full. I call wells fargo but they cant talk to me because there are other people on the loan number. I do n't get notification of anything. I made a credit report complaint but the poor marks remain on my credit. wells fargo should never have assigned the same acct. number to XXXX different loans/
Product: Credit reporting, credit repair services, or other personal consumer reports

My utilization is being reported on my credit report.
Product: Student loan

I have attempted to contact MOHELA by email, phone, through my account and have not received any response. I was on hold with customer service for over an hour and then they disconnected the call. Other calls only gave automated voice response, and after answering all prompts, I was told no one could help me. They have not updated my payments to reflect my PSLF payments. I recieved 2 letters from Dept of Ed in XXXX of 2022 that stated all of my loans met PSLF payments - still no updated info from MOHELA. With the pause on payments, but still those months still counting toward PSLF, I have MORE THAN 120 payments- why is MOHELA holding up my forgiveness?
Product: Student loan

I am a recent graduate from XXXX University in XXXX and I have been trying to stay on top of paying my students loans to maintain and grow my credit. Sallie Mae, their headquarters is located in XXXX, has continuously taken advantage of me because I am a XXXX recent graduate. In the beginning they were not clear about payments fluctuate due to interest rates after graduation. Then their website was not clear about when payments were due. Now they are claiming that I have not made any payments and that I owe over a thousand dollars for XXXX loan, when my cosigner and I have been making consistent monthly payments. The payments are evident on our bank statements as well. This has been going on for far too long. I 've called and have spoken to a number of individuals that work for the institution. They can not take advantage of be because I do not possess economic capital. Additionally, my interests rates are criminal. I took out XXXX loans, XXXX has a 9 % interest rate, the other 8.5 %, and the last one has a 8 % interest rate. Not only did they refuse to consolidate the XXXX they are not clear about how much and when payments are due. My cosigner and I pay and call every single month because there is always a problem with information and how much money is owed. Last time there was a bunch of money left over from early payments on a loan and that was not conveyed at all until I continuously called. I am a recent graduate for XXXXsakes that 's trying to do the right thing by paying my loans on time and I am the process of becoming a teacher. Sallie Mae has place a huge financial burden on my family significantly and has impeded my ability to properly invest in myself and my future. Many families use Sallie Mae to help fund their children 's education and to know that this private loan provider will stoop so low and take advantage of recent graduates that are trying to do they best that they can to pay their loans is ridiculous.
Product: Checking or savings account

I received a PPP loan as well as a XXXX loan for my business back here in XXXX and XX/XX/2020. The PPP loan was deposited into one business account while the XXXX was received into my other business account that I held at WellsFargo Bank. I didn't utilize my WellsFargo Bank because I operated my business mostly from my other business account thats held at another bank. I was advised with the PPP to place it separately from your normal account so you can better keep track of your expenses in order to qualify for forgiveness. My WellsFargo account was mainly used for employee payroll, business utilities, and other business related expenses such as but not limited to making renovations to ensure the safety of myself as well as my employees. In XX/XX/2020, I was attempting to use my debit card and it came back rejected stating that the bank that released the PPP loan has placed a soft hold on my account due to Fraud. I have reached out to XXXX XXXX  and haven't received any follow calls after numerous calls to the fraud department. I also have called customer service and visited WellsFargo Bank at XXXX in XXXX, TN several times and spoken with the bank rep that service my account by the name of XXXX and also have spoken with Fraud Investigator from WellsFargo Bank who wasn't clear of what the fraud was and stated he was closing his investigation. The reps from Wellsfargo was also unsure of any discrepancies. I also called XXXX who serviced the loan to get information and they was going to reach out to XXXX for more information. The rep emailed me stating he didn't have any information. So I have been going in a circle since XXXX with no information pertaining to why my account was flagged for fraud when in fact I have been in business for over 16 years and my account at WellsFargo was open way before the PPP or XXXX loans were presented. My accounts were just closed on XXXX and my funds haven't been released when these funds were supposed to be used for my business operational need in order to apply for forgiveness and my XXXX loan is a 30 year loan. I need to hear some information soon from someone. My SBA money was in another account that was separate from my PPP and it was also placed on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number XXXX I the consumer entered into a consumer credit transaction with Victoria Secret on or around XX/XX/2017. I entered this transaction using my open end credit plan. I have been injured by the deceitful misrepresentation of Victoria Secret. I wrote into Victoria Secret a validation of debt. I did not receive the 5 required items according to congress when a validation of an alleged debt is requested. Furthermore, Victoria Secret has sold this account and has another company ADS with my personal information now alleging that I am in debt with them. 

As a consumer my consumer rights have been violated pursuant to 15 USC 1681b which states that my information should not be furnished unless in response to subpoena in connection with Federal grand jury or in written instructions, by myself the consumer which I have not. I am prepared to pursue legal action against this third party collection agency if my information is not immediately removed from all three credit reporting agencies. 

Both Victoria Secret and ADS have committed fraud and several violations of the FDCPA and TILA. ADS has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Credit reporting, credit repair services, or other personal consumer reports

other accounts could not fit in the FTC complaint XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX  Status Open Opened Date XXXX   XXXX, XXXX Closed Date -- Responsibility Individual Account. Balance {$35.00} High Balance {$35.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. Balance {$270.00} High Balance {$270.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. Balance {$230.00} High Balance {$230.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Hippa violatons and FRCA violations
Product: Credit card

American Express just delivered me a default judgment when I was never served. I was never made aware of the court filing, nor did I receive any documentation regarding court, most importantly a filing for default judgment. ( Attached ) I reject any offers. I do not understand, nor do I consent to any information pertaining to this issue.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unauthorized inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/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