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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Debt collection

I tried contacting the collection agency, but my certified mail was returned. I can not get in contact with the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice on XX/XX/2023 that I had a credit inquiry for a new credit card from COMENITYCB/ULTA XXXX XXXX XX/XX/2023. I did not authorize this, nor request this. We have not shopped at XXXX in months. I called their number to have this removed and they referred me to Comenity, which is closed. I want this removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with chase bank. I made late payments. They are still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MULTIPLE ACCOUNTS REPORTING ON MY CREDIT REPORT THAT I DO NOT OWN. I DEMAND ALL ACCOUNTS BE REMOVED IMMEDIATELY FROM ALL MY CREDIT REPORTS, IT WAS ADDED DURING A CYBER THREAT DATA BREACH.
Product: Vehicle loan or lease

I turned in my VW Credit leased vehicle at XXXX XXXX which took my trade in and made the remaining payments on the lease. I took pictures and videos of the condition of the car when it was turned in to XXXX XXXX. XXXX XXXX kept the vehicle at their site for over a week and then the vehicle was taken to a VW dealership to be inspected and returned to VW credit. Over a month later I received an end of lease bill from VW for several items for which I was being charged for that appeared to be inaccurate including a cracked windshield and excessive wear on one tire ( all 4 tires  were purchased and installed at the same exact time ). I called VW credit to dispute the inaccuracies of these charges and informed them that I had pictures and videos of the condition that the vehicle was turned in to XXXX XXXX and that XXXX XXXX sales man who delivered the vehicle to VW dealership was also contacted and attested that the windshield was not cracked. VW told me to hold off on payment until they investigated this further and that they would call me back, it was over a month and I phoned in a couple of times to get the same response ; they would call me back. Finally after nearly two months, I called again and after much frustration on my part because of these frivolous charges, they agreed to a lower the amount of the charges and to avoid further frustrations I agreed and paid the balance in full after I was assured that my credit would not be affected and that it would all be resolved. I am now checking my credit Report and my credit worthiness has been affected greatly by this incident for which I have paid in full even when the pictures and videos of my vehicle turn in date demonstrate the inaccuracy of VW charges for a cracked windshield. Furthermore, I pride myself in making all my payments on time to all creditors and I think my credit history, including previous VW accounts, can attest for me.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX-was never late please remove XXXX- i do not have a XXXX XXXX account please remove XXXX XXXX- account shows a profit written off- please remove from my credit report XXXX XXXXaccount close by company-this is not my account please remove XXXXthe warranty paid of the balance of this account please remove from my credit report XXXX XXXX XXXX XXXX i have never had an account with this company
Product: Checking or savings account

In early XX/XX/2021 I received a letter from E*TRADE Financial informing me that my wife and I had two cash savings accounts, totaling {$23000.00}, that to them appeared to be inactive. We were given until XX/XX/2021 to reactivate them, or the funds would be sent to the XXXX  Treasury, Unclaimed Property Division. I reactivated them, per instructions from an E*TRADE customer rep, by going online and changing the passwords. As of XX/XX/2021, a week after the deadline, the funds were still in the accounts. On XX/XX/2021 E*TRADE BANK unilaterally, without my knowledge or consent, closed both the accounts, without further contact or explanation. The funds seem to have vaporized from that point forward. 

I go to the XXXX Unclaimed Property website at least once a week, and call them by phone once a month. There is no trace of the funds, after almost 18 months. 

I have spent literally hours on the phone with upwards of 20 E*TRADE customer reps and supervisors all of whom profess to be sympathetic to my plight ; each one of them has promised to get back to me, after researching the issue, and only once have I ever gotten a follow up call. And that was just recently, after I sent E*TRADE a demand letter, asking for my money, or tell me where the funds were sent. As of today I have received absolutely NO information about the whereabouts of our funds.
Product: Debt collection

Jefferson Capitol Systems falsely representing me as a debtor and affecting my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Experian on XX/XX/XXXX requesting that I be provided with the information of the company and or doucmentation that was used to verify the accurancy of the four bankruptices that are listed on my credit report I received the reseuts of the investigation and experian confirmed the accuracy but did not provide the information of the company and / or doucmentation that was used to obtain this information. 

On XX/XX/XXXX I placed a call to experian customer service. I was told that the company that was used to obtain this information is XXXX XXXX. I advised that I would like this matter re-investiagted because I have a letter from XXXX XXXX date XX/XX/XXXX that there is no receords of such Bankrupticies and that they were removed from their records. I also have a email of the United States XXXX court stating they do not verify any public information with the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer  Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

i have never used moneygram prior to yesterday XX/XX/2021 i signed up and created an account online I have lived at current location for 20 years own a home with no mortgage. I have had banking relationship for over 20 years. 

I sent money to XXXX ..to a friend. 
money was taken from my account from an international private bank 5 minutes later i received a cancelation of transaction notification ( no reason given ) one minute later canceled my profile for potential fraud ( no reason given ) They will not provide information nor tell me the actual reason they canceled the transaction and my account with them they are keeping my funds for a number of days and say they will return to the bank. So they acknowledge receipt of the money from me I completed my transaction thru XXXX XXXX ( who i also have never used prior to yesterday ) I wish to file a complaint against moneygram. they will not disclose what it is about my profile that makes them think my profile may be fraudulent i can not talk to the fraud department at the company as they do not talk to customers. 

CUstomer service says they can provide no information. 

corporate legal department has a recording and no way to talk to their attorney their internal complaint line does not answer it just rings
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX again about the account reporting. They agreed to remove it.
Product: Checking or savings account

On XX/XX/10 a deposit was attempted into one of our checking accounts in the amount of {$4900.00}. The atm machine errored and told us to contact our financial institution. We did that and also contacted the bank where the atm is, files the required complaints and neither financial institution will give us our money.
Product: Student loan

I currently have six loans with Sallie Mae. It is difficult for me to remain cordial while submitting this complaint due to the incredible weight of stress this company has caused me ( and many others ) throughout the student loan process. Thank you for taking the time to review this submission. 

It took me months of self-educating and dead-end calls to finally enroll myself into a graduated repayment plan with Sallie Mae. At the start, I was set up to be paying almost {$900.00} PER MONTH to Sallie Mae simply to stay out of delinquent status. The lowest I could get it was {$460.00}, which I am slated to begin paying in XX/XX/XXXX. This also-high payment will only cover my interest, which ranges on each of the six loans up to a ridiculous 12.8 %. 12.8 % on a STUDENT LOAN. ( This alone is cause for complaint. ) {$460.00} is still incredibly high, as I am already struggling to pay rent. I have called Sallie Mae to try to both reduce my monthly payment and reduce my interest loan, and they seem completely incompetent, restricted under regulations and protocols. 

Today, I called yet again and was told that I can not submit a complaint or receive help/guidance/options/information UNTIL I AM DELINQUENT. I was essentially told to call back in two months, once my payments are behind and I am in poor standing with the company. This means that I can not be proactive, or work ahead to make sure I am in good standing credit-wise. It also means that I will be the one " at fault, '' even though I have worked tirelessly to resolve the issues BEFORE they arise. Perhaps this is the way of student loan lenders, but if so, something needs to change. I find it absolutely appalling that a person can not advocate or be responsible for their financial situation in advance of things being destructive. On top of that, Sallie Mae is basically communicating that they do not care about the stability or financial stress of their borrowers. As of now, I can not plan or foresee what challenges I will face in XX/XX/XXXX. I have no idea if I will actually even be helped once that time comes. And based on my previous experience with Sallie Mae, whatever alternatives are offered to me will likely NOT be helpful. It is deeply concerning that I am only one of MANY recent graduates experiencing this type of stress under major greedy lenders such as Sallie Mae. 

I am not sure what can be done, as I have been trying desperately to be proactive for the last nine months, and still things are in horrible condition. However, I do hope that this submission can be taken seriously, and that we as a culture and society can begin to realize the weight of student loans and the adverse effects of that weight on our entire economy. In just three years, I have already accumulated nearly {$4000.00} IN INTEREST ALONE with Sallie Mae. Each month, more than {$400.00} of interest is added to my debt -- not counting my federal loans. This is CRIMINAL. The fact that this is acceptable needs legitimate consideration. 

Thank you for your time, and I do sincerely hope that changes can be made.
Product: Debt collection

An incorrect amount was submitted by XXXX XXXX to a collection agency " TRANSWORLD SYSTEM '' when I called the collection agency they did not have an right answer for me so I got connected with XXXX  via my insurance rep. But XXXX also couldn't provide me an explanation why my balance were higher than insurance determined amount. See Attached letter that was faxed to XXXX along with the EOB from insurance which shows the actual amount that I should be responsible. I had lab work done on XX/XX/2020 after insurance payment/determination I was responsible for {$4.00} but XXXX sent incorrect amount of {$170.00} to the collection agency. Collection agency never sent me a notice/letter out to pay for or settle it. I faxed all the papers to XXXX on XXXX XXXX but did not receive any reply yet.
Product: Debt collection

i get calls from different numbers from them. Portfolio Recovery Association, i told them to call me during business hours and not on weekend and they call right back. And my name is not XXXX
Product: Credit reporting or other personal consumer reports

For the past 2-3 weeks my Equifax account displays literally nothing except reports I bought for the other 2 bureaus ( XXXX and XXXX ). 

XX/XX/year>, I called customer support and was on hold for about an hour. I finally spoke to someone who was able to verify my identity over the phone, acknowledge the exact issue I was facing and escalated the issue and advised I would receive a response via email. 

Today XX/XX/year>, I called in to get an update only to be sent on a wild goose chase about mailing in documents. 

I have been through this process before and it was not pleasant. Going back and forth with regards to whether multiple mails I have sent have been received by Equifax.

I am paying for a service and I expect to receive said service especially when Equifax is the one with the problem. If Equifax mishandles my personal information due to glitches in their system, I expect Equifax to take full responsibility especially after taking payments from me every month. 

Right after I hanged up the call, I signed into the account again and there was a complete block ( attached ) stating I should reach out to customer support which was already very unhelpful. 

Don't play games with me because I won't hesitate to sue Equifax for mishandling my personal sensitive data and for breaking my online account and not wanting to take full liability it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that had been deleted and is now reappearing from Experian that needs to be deleted. I sent a debt validation letter to the creditor requesting validation of the alleged account. They failed to provide me validation, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ) so this information needs to be deleted as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

On all three credit bureaus, there is a Capital One account that is showing opened XXXX and closed XXXX. I have the last 4 of the account from my credit bureaus. Yet, Capital One shows NO account at all with the number I have, under my name or SSN. Capital One says the Credit Bureau should remove it - The Credit Bureau says it is Capital One who should. I've filed disputes in XXXX and XX/XX/XXXX- they do not respond to the issue, and only say the " account status is closed ''. I do not ask for a status- I ask for the account to be removed from my credit bureaus because my SSN isn't on the account! An hour plus on the phone and several phone investigations on XXXX, Capital One confirms the account isn't attached to me at all.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against ENHANCED RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Student loan

Nelnet and XXXX services both were properly notified that I was XXXX and have be on SSI for about five years, and still put my loans in default and took my taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I filed a dispute with XXXX, Transunion and XXXX  about the inaccurate report of the account XXXX XXXX Account number XXXX, XXXX In 2 months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau, this is a violation of the FCRA 30 day investigation policy. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. I have attached documentation for proof of my complaint. Thank you
Product: Debt collection

XX/XX/2022, I sent a validation letter to Portfolio Recovery Associates , LLC to validate the collection. Instead, they placed my information on my credit report. I called XXXX XXXX to see if I can obtain my original contract, but they told me that they have sold everything to Portfolio Recovery Associates , LLC. The information that the XXXX  XXXX agent gave me on the amount of the debt is different from Portfolio Recovery Associates , LLC. So was the date that it first open.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Received a Vanilla gift card for {$100.00}. It wouldnt work when trying to make a purchase at the store ( XXXX ). I noticed the front of the card only contains the first 7 digits of the card number. The back of the card does not contain a security code, either. 

When I contacted Vanilla customer service, they gave me a claim XXXX XXXXXXXX, but said I must submit the original packaging, the receipt, a color copy of my drivers license, and a copy of the gift card, front/back. I no longer have the packaging or receipt, however. The packaging was intact when I received it. The customer service operator said unless I provide all of these things, the issue could not be resolved. I asked to speak to a supervisor and was told they would just tell me the same thing. 

When I researched this issue online, I noticed other Vanilla gift card recipients with the same exact issue, with one person filing this same type of claim with cfpb, which indicates to me this company has some sort of internal problem, perhaps during the manufacturing process? 

Please help me resolve. 

Thank you.