23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The student loan company has my correct contact information. I have spoken with several representatives in the last month and have verified my telephone number and address numerous times. The company continues to harass my family and friends even though they have my contact information. The harassment has expanded to my extended family and now at my place of employment. There is no reason the company should be contacting anyone else but me. They have all my contact information.   Additionally the company is giving myself and my co signer incorrect loan information and they have taken money out of my account without authorization. The representatives call and state the loan is in default but payments have been made monthly for the past year as part of an agreed payment plan. The customer service has been horrible.
Product: Checking or savings account

On XX/XX/2023, XXXX suspended my business debt card without any acknowledgement that the company would do so. I immediate contacted XXXX XXXX Bank and was told my account was suspended until further notice, and that not much information could be provided. XXXX XXXX XXXXXXXX restricting both of my accounts has caused me emotional distress on top of late payments for utility bills and fees. Although fraud charges have occurred on both of my credit card accounts multiple times XXXX XXXXXXXX XXXX  did not follow their agreement in protecting me as a consumer, while willing knowing Im not responsible for any fraudulent charges. NO consumer is responsible for fraudulent charges that are unauthorized by the consumer. XXXXXXXX XXXX XXXX  has no right to restrict and suspend my account, without proper notification nor authorization. XXXX XXXX XXXX has my funds/credit on hold I have a right to use the credit that is available to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  *on my equifax credit report should not be there. I have never owned or been affiliated with the account they are alleging. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report. If this account is not removed I will have no choice but to pursue legal action within the FCRA laws.
Product: Credit reporting or other personal consumer reports

TRANS UNION CREDIT BUREAU IS REPORTING INCORRECT INQUIRIES ON THE REPORT.

1 ) XXXX  DATE : XX/XX/XXXX 2 ) XXXX DATE XX/XX/XXXX 3 ) XXXX XXXX XXXX DATE : XX/XX/XXXX 4 ) XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo Credit card account closed by company. Remaining balance paid in 4 payments XX/XX/XXXX ( {$420.00} ) XX/XX/XXXX ( {$410.00} ) XX/XX/XXXX ( {$420.00} ) XX/XX/XXXX ( {$410.00} ). 
Account was overpaid, company notified ( XX/XX/XXXX ) and confirmed the overage. Informed me that it would take 45 days to refund the overage. As of today, no refund of the overage but received a letter today ( XX/XX/XXXX ) from their Executive office saying it would be investigated. 

phone numbers contacted : XXXX ( XXXX XXXX XXXX ( XXXX ) gave me another employee name ( XXXX ) as my contact point ... ..he was gone from the office.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was Sent me {$3000.00} via XXXX from a clients Bank of America account number. 
I was not registered with XXXX so when we contacted XXXX the next day they said the money would go bank to the sender within 14 days. 
The money never went back to him he opened a claim with Bank of America but they denied stating that I did in fact receive the funds. 
It is over a year and we have heard every story and Bank of America refuses to tell us what account this credited. They have also told us that the account was closed but neither the sender or I have received our funds.I have additional letters to support. THere reject response is an outright lie as I never heard from them and I have not received the funds.Cleraly XXXX is registered to my email by the email I received from his bank stating the money was sent.
Product: Debt collection

Portfolio Recovery Associates On XX/XX/year>, I sent a Priority Mail letter to Portfolio Recovery Associates regarding an alleged collection account they had listed on my credit reports. 
I requested validation under the FCRA/FDPA along with corresponding local state laws. Validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 
Since it has been more than 30 days since I sent my letter to them without them providing the validation I requested, I am demanding that they permanently remove any/all negative information from my credit report as they are in violation of FCRA/FDPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on thebehalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. 
I demand that the following accounts listed on attached document be removed immediately.
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 Account Number : XXXX Account Name : XXXX & XXXX 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: Money transfer, virtual currency, or money service

This is a complaint against Bank of America. Refer to case # XXXX submitted on XX/XX/2021. I've been working on trying to get the funds back since XX/XX/2021 and nothing still hasn't been resolved. I'm still owed {$560.00}, and would like for the money to be returned. I've provided all the ample information to prove the funds went into the bank into the account number that was provided to me. It has been verified numerous times by various Bank employees. Why haven't I received the funds back? I would like an update. In the beginning I had to switch money around to cover the funds to pay bills that the money was intended for. I've tried calling Bank of America all I get is a voice mail, I've left several messages with no call back. They're not willing to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time attempting to have Equifax, XXXX, and XXXX  remove these accounts from my consumer reports. They refused. I've filed police reports, FTC reports, and other things to have them removed.
Product: Credit reporting or other personal consumer reports

I would like to bring to your attention that the Bankruptcy Court does not associate with any creditors or inform them of any information regarding consumer reports. Therefore, the information being reported is incorrect and should be removed from my credit report.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. I have attached the following documentation to support my claim that this bankruptcy notation is erroneous :
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis claims to be unable to process my request due to inability to authenticate me based on the information I provided. I used a letter on XX/XX/2018, used by many others to which LexisNexis has responded to by starting investigations. The public records are the identifiers of note. LexisNexis has violated the FCRA 30-day provision. If LexisNexis can not validate me it seems the public records can not be validated either. Asking for additional information is a well-documented delay tactic of LexisNexis. The bankruptcy and my demographic info is what is needed as per other complaints to your company. The FCRA clearly outlines the information I am required to provide. I provided the information with my dispute on XX/XX/2018, XX/XX/2018, and XX/XX/2018. The public records are below : US BKPT CT IN XXXX XXXX US BKPT CT IN XXXX XXXX US BKPT CT IN XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} ; XXXX CRED ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TIME XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Have not been truthful about accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In ac15 u.s.c 1681 Section 604A In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. XXXX XXXXXXXX XXXX  acct # XXXX : XXXX account # XXXX  XXXX : XXXX XXXX XXXX has violated my rights. 15 .u.s.c 1681 Section 602a states I have the right to privacy. 15.u.s.c 1681 Section 604a Section 2 : It also state 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 filling items of Information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 u.s.c 1681s-2 ( a ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person k owns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I VIEW MY ONLINE CREDIT REPORT OFTEN, I NOTICED AN INQUIRY FROM XXXX XXXX, THE INQUIRY WAS PUT ON MY CREDIT REPORT XXXXTHE CREDIT BUREAUS DONT HAVE NO ACCOUNT ASSOCIATED WITH THIS INQUIRY, AND IT IS NOT MINE, I DONT HAVE ANY OPEN LOANS ON MY ACCOUNT, ... NO OPEN ACCOUNTS ASSOCIATED WITH THIS COMPANY ... IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT.THE LISTED ACCOUNT BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIAITLY UNDER 15 U.S.C. 1681.

15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

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.I TOLD EXPERIAN AND XXXX TO REINVESTIGATE THIS ACCOUNT ..REPORT # XXXX ..XXXX XXXX.HOWEVER THEY STATED EVERYTHING WAS COMPLETE AND ACCURATE.BUT HOW IS THAT POSSIBLE IF THE OPEN DATE DATE OF LAST ACTIVITY AND MUCH MORE IS INCORRECT.UPDATE WAS XX/XX/XXXX XXXX..ACCORDING TO 15 U.S.C. 1681 1 i ( 5 ) they are suppose to modify accounts that arent reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 WELLS FARG XXXX US DEPTARMENT OF ED 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 I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/year> a fake process server came to my home. My husband answered the door. The process server asked if I lived there and then gave my husband the fake summons and left. 

I noticed the summons was fake because there is no index number from a court on it, and it is only stamped received with a store-bought looking stamp. At the bottom of the summons, it says this communication is from a debt collector, and this attempt to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax and XXXX  are reporting my score harmfully low. It is important to recognize that my credit score is violating my rights to obtain a loan including approval on a dwelling for my family, and preventing me from establishing any type of credit at all. I have worked tirelessly to improve my credit report and my score has decended dramatically with less negative items being reported! I am disputing the score on my three reports, with this reported score I can not be approved by a landlord, utility or insurance including a job! Inhave XXXX  children and a wife. This credit report and score is hauling me from establishing credit and my ability to create a safe environment formmy family.
Product: Credit card

I have sent payments as directed to the Discover, payment agreement and called on XX/XX/XXXX XXXX XXXX to address the following questions. In the payment instructions, it states WE ACCEPT PAYMENTS, PARTIAL PAYMENTS, OR PAYMENTS MARKED IN " PAYMENT IN FULL '' OR WITH ANY OTHER RESTRICTIVE ENDORSEMENT WITHOUT LOSING ANY OF OUR RIGHTS UNDER THIS AGREEMENT. I FOLLOWED THE METHOD PROVIDED AND THE ACCOUNTS HAVE NOT BEEN ADDRESSED THE ACCOUNTS WERE IMMEDIATELY CLOSE DUE TO THE PAYMENT METHOD.. I AM ASKING FOR CLARIFICATION WITH THIS. I DID REQUEST ASSISTANCE WITH THIS AS WELL WITH MY LOCAL CONGRESMAN. BETWEEN DISCOVER AND CONGRESS WE SHOULD GET AN ANSWER..
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX used my information without my consent, and According to FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this Section, if the consumer reporting agency reasonably determines the following : A : the information was blocked in error or a block was requested by the consumer in error ; B. the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

However my information was misused without my consent of approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I spoke to a synchrony agent to make a payment in the amount of {$530.00}. I was informed and confirmed this payment would bring my SynchronyXXXX XXXX account to a XXXX balance and paid in full. I requested the account closed at that time. I recently applied for credit and was told that I had a {$21.00} charge off on my credit report. I spent more than an hour and half on the phone with synchrony to get this issue resolved today only to learn they charged me a {$21.00} interest charge after the {$530.00} payment was made and only offered to look into it. I spoke to XXXX who transferred me to XXXX which transferred me to XXXX which sent me to the manager XXXX who was little to know help.
Product: Credit reporting or other personal consumer reports

In XXXX, 2024, I settled an approximately {$11000.00} debt with XXXX, XXXX, and XXXX for approx. {$7000.00}. Prior to settling, I requested something in writing specifying that they would delete all negative information pertaining to this debt with all three credit reporting bureaus. Not only have they not honored this request, they've reported that the settled amount of {$7000.00} as only being a payment towards the original debt of {$11000.00}, which has left me with about a {$4000.00} balance with at least XXXX or XXXX credit bureaus. I would like to request that this matter be investigated with the utmost urgency as the law allows and that they report my account as paid in full. Thank you
Product: Credit card

On XXXX XXXX I visited a dentist to have a XXXX. The dentist had a plan for me to redue my complete mouth cost XXXX. they said I could get a care credit card for part of the cost. The next day XXXX XXXX I went to have my XXXX they scared me said my teeth were XXXX and I could have a XXXX XXXX. I agreed to the XXXX and signed what I thought was a electronic signature machine for the dental insurance. They again pushed for care credit I said NO I said call my wife and she said No.She said just XXXX and at a later time when I felt better maybe I might do more. When I got home she looked at the paper then was a sales draft for care credit dated XXXX XXXX. On XXXX XXXX, my wife called and canceled the card. The next day my wife verified the card was canceled and they had not paid any money. I filed a fraud form with care credit and sent a letter of explaination. XXXX XXXX I received a letter saying they paid the dentist {$3000.00}. The card was canceled but the dentist got it re instated, how?????
Product: Checking or savings account

I noticed my account said restricted when I called they were very shady about the ordeal and told me I violated memebers terms and conditions but wouldnt provide information until the account is closed Ive called several times
Product: Credit reporting or other personal consumer reports

IT HAS COME TO MY ATTENTION THAT MY MY PERSONAL INFORMATION HAS BEEN EXSPOSED IN A NATIONAL DATA BREACH. REVIEWING MY CREDIT REPORT I SEEN UNFAMILIAR ACCOUNT I ASK THE CRAS FOR VALADATION DEBT HOWEVER THE INFORMATION HAS NOT BEEN PROVIDED DUE TO MY INFORMATION BEING EXSPOSED I SUMMITTED TO THE FTC COMPLAINT REPORTING TO THE INFORMATION THAT IAM NOT FAMILAR WITH PLEASE FIND ATTACH
Product: Credit reporting or other personal consumer reports

World Omni financial Corp is reporting a balance on my credit report when the accounts has charged off. Also while the account has charged off they are still reporting on a monthly basis. I reached out to the company and ask to fix this. I also reached out the credit bureaus, all they do is dispute and ask them is this information mine and then send me back a XXXX stating that it is reporting correctly. 

I will also attached the credit report to show how its reporting.
Product: Credit reporting or other personal consumer reports

I have been attempting to resolve issues with the three major credit bureausExperian, XXXX, and XXXXfor over 3 years. During this time, they have violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to update or correct information on my credit report. Despite providing the required documentation, including identification and other requested documents, they have repeatedly failed to process my information properly. 

Instead of resolving these issues, the credit bureaus have sent multiple letters containing stall tactics and excuses for not addressing the situation. I have complied with their requests and sent the necessary documents numerous times, but my efforts have not led to any meaningful resolution. 

Given the ongoing failure of the credit bureaus to follow the law and rectify the errors, I am left with no other option but to contact the Attorney Generals office to file a formal complaint and seek further action to enforce my rights under the FCRA.
Product: Mortgage

I Would like to formally file a complaint against a my mortgage servicing Company, due to the current events created by COVID-19 There is two individuals name XXXX XXXX office manager in the XXXX office along with an Asset manager name XXXX XXXX, i have been dealing with them via email mostly XXXX XXXX as the manager XXXX XXXX avoids me discriminates against me when I call and always use the word investor and constantly put pressure that they cant help me. 

they forced me to send my money for my medicine and hospital visits to them with pressure tactics never speak to me they say I yell wont talk on the phone. they sent me a letter advising they will raise my mortgage payments effective XX/XX/2021 due to an escrow analysis i advised them i cant pay a XXXX more than i am already. they still don't care to help. 

The payments for XXXX and XXXX have been sent how ever they still don't care that I am doing all i can to pay on time. 

This company doesn't care for anyone effected by this whole pandemic thing. the company name SN SERVICING CORPORATION XXXX XXXX XXXXXXXX XXXX, CA XXXX