23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year>. Since then, the date of the last activity has been inconsistently updated. On XXXX, the last active date is XX/XX/year> and on Equifax it's XX/XX/year>. If the information comes from the original creditor the date should be the same. We can not say these accounts are 100 % accurate as it is INACCURATE. Please delete this accounts from my credit reports. 

Acct name : XXXXXXXX XXXX Acct # : XXXX
Product: Checking or savings account

Marcus advertised that we can open a joint account with myself and my husband. I successfully opened the account in my name, but received an error when adding my husband after having transferred XXXX of our jointly held funds. We called Marcus, and the customer service agent tried to add my husband but the system prevented her. She said to try again online in 24-48hrs and call if that does not work stating there is a manual process requiring additional documentation. We tried again online and it failed. We called Marcus again, a new customer service agent tried to add my husband and the system once again failed. I asked about the manual process, and she was not aware of one. I requested a supervisor who verified the information and suggested we try again in 24-48hrs. He also stated there is no manual verification process to prove identity. Our money is now sitting at Marcus in my name only. Beyond the frustration of Marcus not being able to do what they advertised ( open an joint account ), there are potential legal and tax ramifications. If I die, my husband would not be able to readily access money that he had full ownership of prior to us trying to open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15.U.S.C 1681 section 602 A : states the rights to privacy 15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have been getting calls from phone number XXXX telling me to call XXXX and XXXX. They have called leaving aggressive messages on the voicemail for days. I have tried to ignore the calls and threats of turning my info over to the courts and them calling my so called supervisor. Here recent and the thing that mad me super upset was that they called a nearby contact. They stated to them that they knew I lived there and was going to come & drag me out of the house. Well this scared them they contacted me & advised they would be calling the police! That is a major THREAT to my persons & at this point I am going to file a report to law enforcement. I'm also going to initiate a cease and desist order no contact with myself or any associate. No one should be threatened to that magnitude I don't care what or if they owed anything. I'm HIGHLY upset and I'm looking for action to be taken ASAP!! The caller was a XXXX   and XXXX XXXX or who they claimed to be. I called the numbers back and couldn't get anyone on Wednesday. I reached out to the XXXX number today they id 'd as legal services attorneys which I know they are not. They gave me info about the debt being with ACE CASH. They gave me the name of global and location services as I stated I had been threatened. They stated that they could not give me info or contact number for this company they used. XXXX who claimed to be the supervisor at legal services was rude and didnt want to help she kept hanging up on me at XXXX. My ENTIRE issue here is me being threatened! I will not stand for that at all you can do your job without making threats I DO NOT WANT TO BE CONTACTED BY ACE CASH OR ANYONE AFFILIATED WITH ACE! They need to investigate the who I will not be threatened.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are unknown authorized users accounts that's on my credit report inwhich i have absolutely any knowledge of and I'm demanding that they are removed from my credit file immediately. 

1 ) XXXX XXXX XXXX Credit Card 2 ) XXXX XXXX  Credit Card
Product: Debt collection

On XX/XX/XXXX I checked my XXXX XXXX account and noticed a hard hit on my credit. Upon immediate review I learned that a debt collection agency ( Grant Mercantile of XXXX California ) had received/opened an account on behalf of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX California ) . It was noted that the account in collections was opened XX/XX/XXXX. 

***I was not aware of the debt, received NO verbal communication, NO written notification from either XXXX XXXX or Grant Mercantile. *** Friday XX/XX/XXXX I called Grant Mercantile to get information as to why this debt ( from XXXX XXXX XXXX ) was sent to collections. The agent I spoke to ( XXXX I believe ) had no information. She said she would research it and they would contact me by phone. 

I called again the following Monday ( XX/XX/XXXX and also XX/XX/XXXX ) with the same outcome. I proceeded to try to call XXXX XXXX XXXX again, for a total of three attempts to speak to someone in billing. 

I find this incredibly irresponsible and unprofessional on both agencies, the lack of communication, record keeping and reasoning to hold my account in collections is disturbing not to mention critically impacting my credit score. A professional debt collector should collect basic information at minimal, there should be no reason to open an account with no reasoning. 

I was not aware that insurance had finally paid their portion of this bill until I had to research this mess on my own. The remaining balance left ( from an initial amount of around {$1700.00} ) is under {$400.00}. 

Grant Mercantile states on their website that they are a XXXX XXXX XXXX XXXX and was founded in XXXX. They also state : XXXX takes great pride in providing superior service and exceptional recoveries XXXX collectors are trained to assist debtors as counselors and advisors. Our goal is to help our debtors repay their debts as quickly as possible. 

With the experience I have had with them I can attest to the unprofessional nature, they have certainly not held to any of their own set standards. My credit score prior to their hasty account opening was XXXX, which certainly does not reflect irresponsibility on my part.
Product: Debt collection

I had an end of auto lease obligation to pay Nissan Motor Acceptance Company back in XXXX 2015. I contacted NMAC via mail and let them know I was out of work and I could pay small monthly payments until the account was paid in full. Without waiting for a response I started paying NMAC {$25.00} a month, sometimes more if I could afford it. They took my payments and applied them towards my account reducing the principal ( {$1000.00} ) and sent me updated statements with the remaining balance. Yesterday, XXXX XXXX, 2015, I received a letter from XXXX XXXX XXXX XXXX, a debt collection agency that required a payment for the alleged debt I owed NMAC. The principal amount was also wrong. Obviously, despite the fact that I keep making monthly payments that I can barely afford, Nissan Motor Acceptance Company hired a collection agency while at the same time taking payments from me. This is not a legal action. They can not sell the account to collection agency when I keep making payments and they take my payments. My account is not in default. This will hurt my credit that I am trying to revive while I am looking for a job. NMAC refuses to work with me on this for whatever reasons. I will not pay the full amount to the collection agency because I can not. It is in Nissan 's best interest to take my monthly payments and get it over with rather than losing the entire money because of poor company practice of handling debt. I know I have a responsibility to pay, and I am very willing to pay it off, but I can not be put under pressure to do so when I am working very hard to maintain monthly payments and find a job so I could pay it off at once and never deal with Nissan again. XXXX of companies work with you on this, they assist you with monthly payments ; however, Nissan does n't train its associates to work with people who have financial hardship and need assistance. Please help me with this issue.
Product: Mortgage

I work at a XXXX. When trying to order a payoff for a Comerica HELOC ( we had signed authorization to fax ) we were told by customer service that they will no longer provide payoffs to 3rd parties on Equity loans regardless of signed authorization from the borrower. We then asked the seller to obtain the payoff for us. When he called the lender, they told him they could not fax a payoff and would only provide it by mail and it would be 5 day turn around time. The seller then went to a branch of Comerica to try and speed the process up. They told him verbally the payoff amount, but would not print a payoff statement and told him they would mail it to him in 7 business days. I 've been in XXXX since 2000 and I 've never had this problem with any lender.
Product: Student loan

In XX/XX/2022, CFPB helped me get a letter from my student loan servicer MOHELA ( XXXX XXXX ). This First Letter accurately stated that I was eligible for XXXX and the XXXX waiver. 

Outrageously, shortly after my CFPB complaint was closed I received a second letter from MOHELA stating the opposite ( Second Letter ). The XXXX XXXX states I am not eligible for XXXX. 

To resolve this I uploaded the First Letter to my MOHELA account as well as another XXXX eligibility form. I also sent messages to MOHELA asking for them to resolve the inconsistency by adding confirmation to my account that my student loans were sent to XXXX for forgiveness. 

MOHELA has not given me any response since the two letters in XX/XX/2022. 

MOHELA should update my MOHELA account with a letter confirming they forwarded my student loans to XXXX for forgiveness because I am eligible for both PSLF and the waiver with OVER XXXX eligible payments. 

My employment remains the same and in public service, We have no changes other than additional on-time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

please i need help i been sending disputes and nothing has change i need this to be resolved. Im trying to buy a house and i have damages on my credit report and things in my credit report that is not mine. According to the law 15 USC 1681 there should not be any damage on your report this is a defamation to my character.
Product: Debt collection

I had an arrangement with Lendmark I lost my job and then they did not contact me nor did they try to work with me. I than I had contacted them nurmous times to try to make an arrangement they would put me on hold and they would not work with me. They sent me to collection agency which I found out in XX/XX/31 that an office was going to my mailing address and my former employer. I had not had any type of correspondence from either of the companies now I have added interest and legal fees that I don't feel I should have pay if I had no correspondence from them. I feel like this is unfair and they are using gray areas of the laws to charge the anomus fees to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX Potentially negative Date XXXX XX/XX/XXXX XXXX {$1100.00} Status Closed. {$260.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago, when security freezes were first offered, I set up freezes with all 3 credit reporting agencies. For Experian, I selected my own PIN ( and saved it electronically with a password keeper ). I recently tried to un-freeze my account and Experian did not recognize my PIN. As a result, in XXXX or XX/XX/2020, I sent them all of the required information in the mail - driver 's license, social security card, current bill, and a copy of the notice - requesting that they reset my PIN. In late XX/XX/2020, I received back a letter saying my account had been temporarily unfrozen. I then tried to re-establish a PIN, and it would not let me. I received a similar notice saying I need to mail in all of the same information I just submitted. Experian is horrible, has horrible customer service, and just wants me to pay for their " lock ''. They are greedy money grabbers who take advantage of consumers. I've not been able to buy a new car ( and the price has since gone up due to expiring incentives ) because the seller uses Experian exclusively, so I have been damaged and may file suit if they do not respond quickly. They need to reset my PIN or allow me to do so, because they don't recognize the one I originally set.
Product: Credit card or prepaid card

RE : LOWE'S/SYNCHRONY BANK : LOWE'S/SYNCHRONY OFFERS SPECIAL 0 % RATE FINANCING FOR CERTAIN PURCHASES OVER CERTAIN DOLLAR AMOUNTS. 

PROBLEM IS THEY DON'T APPLY PAYMENTS TO THE HIGHEST INTEREST RATE PURCHASES FIRST, AND THEIR STATEMENTS DON'T CLEARLY DISTINGUISH THE AMOUNTS DUE DATES BASED ON DEFERRED AND NON-DEFERRED CHARGES. 

LOWE 'S NON-DEFERRED INTEREST RATE IS 26.99 % ON MY ACCOUNT, WHICH IS EXTREMELY HIGH, AND MAKE THEIR DECEPTION ONLY ALL THE MORE CRIMINAL.
Product: Credit card or prepaid card

I spoke with someone, this morning in the disputes department of Barclay Card.Not only was she condescending and kept interrupting, her responses and tone can tell she didn't care, frustrated and unprofessional. 
I was charged for a XXXX rental, that was prepaid, with mileage I earned on their card with their partnership through XXXXThe rep I spoke to today told me they have nothing to do with them, though, they sold me the card because of their joint relationship.I was charged almost {$500.00} for the rental that wasn't suppose to be.And for the last three weeks, have been given the run around by both XXXX, XXXX and of course Barclay card. 
Their ethics of doing business with customers ( at least for me ) is reckless, irresponsible, unprofessional and not obscure. 
Their responses to issues are so bad.In XX/XX/XXXX, my card was fraudulently used and it took them a week to notify me, not by e-mail or phone but via text but you want to get paid on time but fail to neglect your duties to customers
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX i join XXXX and i was with them foe two years when my contract was up I never renew the services my service was cancel the power box in the house was no longer hook up to they services.in XX/XX/XXXX I  received a collection notice for XXXX XXXX for a bill of XXXX for XXXX. I contact XXXX and they told me I cancel my contract wrong I had to full out o form on they website to cancel but I send you a letter and call the company and no one every told me about the cancellation policy on they website. this is how they get people so they run up a bill for services I never receive a bill for and now they want to collect on it.this is illegal and they no this their no contract renewal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an erroneous late on my credit file and it must be removed. I recently checked my credit and noticed a XX/XX/2020 late reporting. I have had this account for a while and have yet to be late. I was very confused as I had made my payment online on time for that date. I always make my payments online and usually have no issue however, it looks like they never took out the payment? The funds where there, I had paid the bill online but they didn't process it and I get reprimanded for a mistake that I did not make? The payment was made on time and this late must be removed, this is not my error.
Product: Credit card

I made a purchase at a grocery store XXXX XXXX after activating the 5 % cashback on my Paypal debit card for that category on XX/XX/year>. However I never got the promised rewards. I sent an email to Paypal but the company never addressed my concerns about the missing cashback.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen a few years ago. The person who stole my identity assumed my identity, filing taxes, renting apartments, bought and registered vehicles ( even receiving parking tickets in one of them ) ; as well as opened checking and credit cards in my name. 

They got away with it for some time before I noticed as I was frequently ( more often than not ) out of the country for work at this time ) as the accounts they opened were being paid/utilized and my mail was being intercepted and or forwarded. In fact ; I think it still may be being intercepted. I really am not sure, that is kind of the way fraud is designed though. 

At some point I did being getting collection letters and I was disputing them directly with the creditors. Then, when I finally received my credit report and realized what had happened. This was about the spring of 2017. I still tried to work directly with the creditors, to no avail. I was not directed by anyone to report the fraud to police for months. 
I did attempt to file a police report in XXXX of 2017 but the police told me I needed to come back with documentation and then we were hit with Hurricane Irma and I left the area prior to the storm and was not able to return as there was no power for over 2 weeks. When I finally did return, I went to file the police report as soon as possible ( when brought me into the first part of XXXX as the police station does not take reports Sunday or Monday and these are usually the days it is easiest for me to go ). 
I have explained as well as documented all of this until I have become blue in the face to every creditor, credit reporting bureau, lender and anyone else privy to the information and or history ; however your company still refuses to follow Federal Law and is denying my rights to me under the FCRA and the FDCPA ; specifically 15 U.S.C. 1681c-2 by  refusing to block a fraudulent account from my credit report. 

XXXX XXXX XXXX has been playing games with me, causing me to jump through hoops and causing me additional and considerable compensatory and monetary damages. They have changed their story several times and have been giving me the run around for nearly 18 months taking up dozens and dozens of hours of my time causing me to lose time at work and money. 
I reported the account that was fraudulent and needing to be blocked back in the fall of last year ; instead of processing it is fraud, they opened an investigation as if it were a dispute and insisted I wait 30 days for them to complete the review ( by law they are supposed to block the accounts within 4 days. 
I have documented the theft to a T. I sent the police report, a cover letter explaining the ID theft and demanding they block the account pursuant to FCRA U.S.C. 605B ( 15 U.S>C> 1681 c-2 ) ; both my drivers license and social security card and even furnished them with a copy of someone utilizing a fake id with my information. All of this was in vain I suppose. I didn't even get a copy of my Chexsys report for months so I wasn't aware this account existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an email from XXXX XXXXXXXX Personal Loans congratulating me on my purchase of XXXX XXXX XXXX. The email provided me with a line of credit account number. I called to immediately notify the company this was a fraudulent attempt and after providing my personal information, the representative stated there was a piece of information I provided that did not match the application. She stated she would send the complaint to the credit agency to file as fraudulent. According to XXXX XXXX, the line of credit approved was for {$1600.00}. I do not own an XXXX  or even own a television. I do not have any friends, family members, or even a spouse that owns an XXXX. 

I took action freezing all of my credit reports and filed a report with Equifax to dispute the inquiry. Equifax denied the dispute. Upon calling Equifax, I asked why it was not approved and could not get a clear answer because of a language barrier. I did instruct the rep to mail my denial to me for review ( they are not able to email and the PDF on their website would not open ). I disputed the inquiry on XX/XX/2021, here is the confirmation number of the dispute : XXXX, and again disputed it a second time with confirmation number : XXXX. I am filing this because I do not know what further actions to take.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to remove accounts that's not mine and I don't have any knowledge of them on XX/XX/2020, I don't have a XXXX XXXX  account that's delinquent and now it's in collection with XXXX XXXX nor do I have a XXXX XXXX XXXX account thats also in collection with XXXX XXXX, these collection accounts need to be deleted, they are not mine, also on my credit report there's no XXXX XXXX nor XXXX XXXX XXXX that's proof owner ship to these accounts they don't exit on three of the credit bureaus, XXXX XXXX collection accounts needs to be deleted