23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received notice in the mail of a debt collection, but I thought that the electric utility was in my wife 's name for the 8 years we lived in our home in XXXX, which we sold in XX/XX/XXXX. I had also thought that we were paid to date, since my wife transferred a service to her name in an apartment in another city in XXXX. We subsequently moved to XXXX  and I received a notice for a debt collection, which I thought was fraudulent, so I threw it away. I subsequently saw the collection show up on my credit report in XX/XX/XXXX. In XX/XX/XXXX, I tried to get a car loan, and my credit score was significantly lower than it ever had been as a result of the collection. I then called XXXX XXXX to verify the debt, which they confirmed, but I could not pay it as it had been referred to a debt collector. They would not give me information on how, who, where the debt collector was, and the only information I could obtain was from a credit reporting agency, which had the following information : {$280.00} Original creditor : XXXX XXXX XXXX XXXX CREDIT PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX When I attempted to contact this agency to get information on HOW to pay the outstanding debt, the phone number is invalid. As a result, I am not able to pay the outstanding invoice. Any assistance would be very much appreciated.
Product: Checking or savings account

Unable to use XXXX to round up spare change from PNC bank debit card
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts and inquiries : 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/year>
Product: Checking or savings account

I got a promotion in mail to open a checking and savings account from CHASE BANK. Meet certain criteria ( I met all of it, your bank branch manager at XXXX XXXX, DE told be I met " all '' conditions ) and get the following opening bonuses- Checking - {$300.00} ( Received ) Savings - {$200.00} ( DID NOT RECEIVE ) Bonus for opening both accounts - {$400.00} ( DID NOT RECEIVE ) I have had multiple conversations with the bank, the branch manager escalated to her manager - NO RESULTS
Product: Credit card

XX/XX/XXXX at XXXX XXXX UTC I received an email stating I was not approved for the Gold Sky Miles American Express card. 

XX/XX/XXXX at XXXX XXXX UTC I finally got through to customer service who transferred me to New Accounts department which is based out of XXXX. I spoke with a woman who, when I asked to speak with an underwriter refused and asked to help with the issue. 

I stated my issue as I gave my social security number and didnt get a service in return. My social security number is a financial instrument for American Express. I wish to rescind my authorization of my social security number. 

She then transferred me to her supervisor who verbally promised that all personal information used in the application process is stored for a limited amount of time in our computer system then deleted. I asked for a written statement of this procedure for timelines, date and sufficient evidence that thats what the company will do since I was not approved. He said he could not provide that statement. I asked to rescind the use of my SSN ( which is a financial instrument for them ) again and he said he could not do that. I then asked to be sent to a legal department and again, underwriting and he said there were no such departments to contact. He gave me an address to send mail to the media team from an XXXX XXXX in XXXX, UT instead. 

So now Im worried for the abuse that my social security number may incur without my knowledge while simultaneously been given nothing in return for my social security number which has become a financial instrument for American Express. Also, that incompetent supervisors are the top escalation for these processes? He had no knowledge and absolutely no empathy for the depth of the situation involving my personal information. 

I demand an open ended credit line for the use of my SSN which I can not rescind/take back as well compensation of {$50000.00} for the inconvenience and negative emotional as well as mental impact the situation caused. The stress of explaining the situation to multiple representatives of a company who took my personal information with zero empathy and zero acknowledgment is so sever theres not even a price tag to put on it. {$50000.00} seems the least they could compensate me for the mistreatment and blatant fraud. 

EVIDENCE : 1. American Expresss card agreement. They blatantly state that negotiable instruments a.k.a financial instruments are also used to pay accounts. They, themselves use this terminology so I know for a fact the representatives I was speaking to also understood what I meant and what I was needing. 
2. GLBA classifies SSN as financial instruments 3. UCC 8 proof that my SSN is a security 4. Securities Act of 1933 outlines American Expresss role as Issuer of Securities and my role as Investor. They are punishable under the SEC and I will escalate this to them if my demands are not met.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 Transunion 1. XXXX XXXX XXXX Account number XXXX 2. XXXX XXXX Account numberXXXX 3. XXXX Account number XXXX 4. XXXX XXXX XXXX Account number XXXX 5. XXXX XXXX Account number XXXX 6. XXXX XXXX Account number XXXX 7. US DEP ED Account number XXXX 8. US DEP ED Account numberXXXX XXXX. XXXX Account number XXXX XXXX 1 XXXX XXXX XXXX XXXX Account number XXXX 2. XXXX XXXX Account number XXXX 3. U S DEPARTMENT OF ED Account number XXXX 4. U S DEPARTMENT OF ED Account number XXXX 5. U S DEPARTMENT OF ED Account number XXXX 6. US DEPARTMENT OF EDU Account number XXXX 7. US DEPARTMENT OF EDU Account number XXXX 8. US DEPARTMENT OF EDU Account number XXXX 9. US DEPARTMENT OF EDU Account number XXXX 10. US DEPT. OF EDUCATIO Account number XXXX 11. XXXX XXXX XXXX Account number XXXX 12. XXXX XXXX XXXX Account number XXXX 13. XXXX XXXX XXXX Account number XXXX XXXX. - Account number XXXX XXXX 1. XXXX XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXX 4. XXXX XXXX  ACCOUNT # XXXX XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX. XXXX XXXX XXXX Account # XXXX XXXX  XXXX. XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX 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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Student loan

My parents were divorced and my mother was going through XXXX at the time that I started college. Since she had remarried, I qualified for 0 FAFSA help and had to get a loan on my own. I chose Sallie Mae because I did not know any better and did not have any help at the time. I graduated in XX/XX/XXXXXXXX  and my loan payments began in XX/XX/XXXX. I made 1 total payment for XXXX. Unfortunately, the loan was already gaining interest while I was in college with {$100.00} to my name. I never noticed because I thought why would it incur interest before Im even supposed to pay? XXXX started and I continued making my {$500.00} payments until roughly XXXX of XXXX when my mother and I noticed how much I was paying. I was paying the minimum payment of {$500.00} a month and my loan was going UP not down as expected. I was doing absolutely nothing. My mother is now XXXX free and was able to help take out a home loan to pay off the Sallie Mae loan. This is the extreme steps we had to take to have anything BUT a Sallie Mae loan. From XX/XX/XXXX- XX/XX/XXXX I made my {$500.00} a month payments to Sallie Mae. Now as I received my 1098-E I see that in those 4 short months in XXXX, I incurred {$7000.00} in interest. I would have to be paying {$1700.00} A MONTH to have that loan not even go down, but remain the same. That is criminal. The home loan that I am helping now pay incurred {$500.00} in interest from XXXX - XX/XX/XXXXXXXX  total. On top of that, I made too much money to claim the interest from the loan on my taxes. However I could never justify {$1700.00} a month to Sallie Mae on top of my other bills of rent, utilities, groceries etc. Yet I was expected to nonetheless. In total my loans were only {$35000.00} and yet, it was projected to take me 30 years to pay it off. Again, that is criminal. This is a predatory company looking to gain their money by cheating XXXX XXXX XXXX XXXX. Its sickening truly to think that I at XXXX XXXX XXXX was so proud that I didnt have to bother my XXXX  and XXXX mother because I got a loan all on my own. I did it, I didnt need to bother her. Wrong, I got cheated and scammed and I will continue to warn other XXXX XXXX to be smarter than I was and never touch a Sallie Mae loan. This company should not be allowed to exist and I will stand by that until the day I die.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/XXXX XXXX CA XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXXXX/XX/XXXX XXXX CA XXXX
Product: Payday loan, title loan, or personal loan

I had filed for a loan with affirm to buy a cell phone from XXXX XXXX. XXXX XXXX phone was damaged therefore I started a return for a refund. I believe it is unfair that I have to pay for something that was damaged and XXXX XXXX is not abiding by their own company policy. Therefore I am also filing a complaint with the government regarding this complaint I sent documents that prove to purchase this phone from XXXX XXXX returns within 14 days. I put in the system for a return and explain the damaged phone and XXXX XXXX sent a label and stated that the phone must be returned by XX/XX/XXXX and it was returned by XX/XX/XXXX. Then I received a message that the refund will be within 10 days however XXXX XXXX neglected to send the refund. They sent me the phone on XX/XX/XXXX XXXX then I called XXXX XXXX customer service on the same day- she told me a refund will be in 24 hours. then I called XXXX XXXX on XX/XX/XXXX reference number XXXX and she told me that I should receive a call from the escalation department regarding a refund, I gave affirm all this information and affirm is not advocating for me regarding this purchase and expected me to pay for something that is damaged. I believe I should not have to pay for something that was damaged and if I pay for something that means I am going to continue to pay for a damaged phone that is unfair. I will not pay a payment until XXXX XXXX gives me my refund. 
I believe affirm should assist me with a dispute against XXXX XXXX for selling me a damaged phone and violating their own policies. Affirm expect me to pay for something that is damaged by XXXX XXXX however they had sold me a damaged product. I filed a dispute with Affirm and provided all documents that XXXX XXXX is violating its own company policy. Affirm closed my case and told me I still have to pay regardless of XXXX XXXX defaulted on their company policy regarding refund procedure. I am requesting an investigation because Affirm should advocate for me that I should receive my refund as I filed a dispute about it with Affirm. I filed a dispute and Affirm did nothing to assist me. Affirm is asking for payment and not pursuing the dispute with me as returning customer who paid off loans before with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Experian about incorrect address information XXXX 2020 and they returned with information on XX/XX/2020 that my information has been verified. This information is not a verified by human eyes or hands. Experian is using E-Oscar to verify old addresses. I have already submitted information to Experian showing I live at another address which is not associated with my address. This erroneous information on my personal information on my credit report effects getting loans and getting a home loan I was told this makes my history of residence look like a jumper and they can't tell if I have permeant address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i sent a letter regarding inaccurate and unverifiable accounts reporting on my credit report its been over 30 days i have not received and documents/original application that prove the this account is valid i feel like im being harassed with numerous phone calls about an account i have no knowledge of i have also been ignore my request to verify. section 611 ( a ) it is stated failure to investigate/verify these items within 30 days items have to be removed from my report immediately it has been well over 30 days so this inaccurate information should be deleted promptly. i demand this account be deleted immediately or i will file for litigation due to the stress been cause on me
Product: Credit reporting or other personal consumer reports

I'm a victim of iXXXX XXXX. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$36000.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXXXXXX Balance Owed : {$640.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX XXXX, 2015 I was written a check in the amount of {$270.00}, from XXXX XXXX, with an account from XXXX XXXX Bank. I attempted to deposit the check thru USAA 's mobile deposit, via my cell phone. I got a couple of error messages and decided to go to my local bank, XXXX, to deposit the check. The next morning, XXXX XXXX, I noticed that both banks accepted the deposit. I called both banks immediately and explained the situation, then I asked XXXX to call her bank and explain the situation, she did. USAA advised me to let the transaction happen and XXXX of the banks would reject the deposit. XXXX also informed me that XXXX of the transactions would be rejected. Within a few days I noticed that XXXX had returned the check and charged me a {$5.00} return fee, which I expected. The funds from the check were still in my USAA account. XXXX XXXX, 2015 the funds were pulled from the USAA account. I contacted USAA and the representative told me that the funds would be returned to XXXX XXXX 's account. I contacted XXXX and she explained to me that the funds were debited XXXX, then credited once and charged an overdraft fee. We waited a few days to see if the funds would be returned to her checking account, which never happened. I called USAA again on XXXX XXXX and they told me that the funds had been taken out of my account by the Federal Reserve and put into an account at XXXX XXXX, because it was a duplicate check. USAA told me that my local bank, XXXX, would have to take over and that it was no longer in their hands. The same day I called XXXX and spoke with the branch manager, and she explained to me that the check was not returned due to a duplicate item, but because there were insufficient funds in the XXXX 's account. I was advised to contact the Federal Reserve and give them the reference number that USAA gave me. Ref # XXXX. When I contacted the Federal Reserve they told me that USAA had given me the wrong information and that USAA would have to call on my behalf. The women with the Federal Reserve never asked me for the reference number, but instead suggested that I file a complaint if USAA refused to help me with the situation. I feel like USAA has given me the run around and ca n't seem to answer any of my questions correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter via postal mail disputing a few inaccuarte accounts i found on my credit report after reviewing it. XXXX replied that it was a fraud dispute. I am not going back and forth with XXXX about MY CREDIT. It has been almost two months. I feel they 're LAZY and do n't want to do their job. Same goes for the other credit report agencies. I have also personally disputed these accounts with the collection agencies no response. 
1. XXXX XXXX # XXXX I have never done business with this company nor have i been contacted by this company. Please remove. 
2. XXXX XXXX XXXX XXXX XXXX I have NEVER done business with this company. 

Also XXXX XXXX is reporting late payments and I 'm sure i was NEVER late the months being reported. 

I also see a few medical bills. I am embarrassed that a collection agency has access to MY medical information. How is this even legal? Do they have a medical release form? The following accounts needs to be removed ASAP. I am not asking for a dispute but demanding removal. 
1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX CFPB I 'M SURE YOU CAN AGREE WITH ME THAT THESE COMPANIES HAVE HAD MORE THAN ENOUGH TIME TO INVESTIGATE THESE DISPUTES SO THERE SHOULD BE NO REASON FOR A " WE NEED MORE TIME RESPONSE ''
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA XXXX, XXXX XXXX. XXXX this information must be blocked immediately within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters, along with my identification, and a Federal Trade Commission Identity Theft Affidavit to the 3 major XXXX, TransUnion, and XXXX on XX/XX/2018 and XX/XX/2018 asking that they remove or block all accounts and inquiries that were showing as a result of identity theft.
Product: Debt collection

Trident Asset Management has insisted that I owe them a debt of {$2100.00} that I have tried to explained that I have no knowledge of. I spoke to a XXXX XXXX who would not understand that this is not my debt or a possible fraud. She expressed that I am still liable for the debt. I have contacted the original creditor and they have no record of such incident taking place.I have also contacted my bank and they too have no record of such incident. At this point I am requesting the assistance of this department.
Product: Credit card or prepaid card

Purchased pre-paid XXXX XXXX from XXXX XXXX on XX/XX/2023. 
Called number on back of card to activate ( XXXX ), system put me into a call with customer service representative who told me the card could not be activated due to being compromised. Was advised to go to XXXX XXXXo file/upload documents supporting the purchase of card ( Drivers license, front of card, back of card, reciept of purchase and activation status receipt ) Documents were uploaded. Waited 7 days before calling back to check on status of replacement card. Was told no documents had been received. Was advised to fax documents to them ( XXXX ). Waited 7 days before calling back, was told fax had been received, but documents, specifically Drivers License was unreadable and told to enlarge document and upload through their website. Documents would not upload. 
Called back ( now, XXXX XXXX, 2023 ) and was told to fax documents again and that a case number had been created to reflect issue on uploading documents to their web site ( case # XXXX ) I asked and was denied to speak to a supervisor on all calls. Customer Service Reps all spoke barely understandable English and I was disconnected/hung up on several times. I've had it. I want my money back and ideally the money it cost me to send faxes
Product: Credit reporting or other personal consumer reports

This morning, I couldn't believe my eyes when I saw the inaccurate public record information on my credit report. I check it frequently, and there has never been a problem before. I tried refreshing my browser, thinking it might be a glitch, but the errors stayed. I'm now asking for a meticulous review of the documents I've sent to put an end to this issue and my worries.
Product: Credit reporting or other personal consumer reports

Equifax is unable to unlock/unfreeze/unblock my credit file, although my file is unlocked on the XXXX