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

I had a medical bill, Amcol called me and asked if I would be interested in setting up a payment plan, I told them yes, and the agreement was, XXXX a month to be drafted out of my bank account for 36 months. The first payment was drafted on XX/XX/XXXX it was an over the phone payment to get started. Each month there after Amcol drafted XXXX a month from my bank account. In XX/XX/XXXX, I received a notice from my bank saying we have been made aware your card number have been exposed in a data breach at a merchant location, etc ( I have the letter ) we are sending you a new card. I received a new card, and on XX/XX/XXXX I activated my new card. 
On XX/XX/XXXX I got a call from Amcol from a lady name XXXX, I tried to explain to her what happen and it was not a problem I just got a new visa/debit card and I will give Amcol the information so they could debit my account, I told her I would call them later that day because I was on the road driving to an appt. on XX/XX/XXXX, I called Amcol and I did not want to speak with XXXX again because she was rude, I spoke with a lady name XXXX, I gave XXXX my new debit card information and she said she was going to process the payment, on XX/XX/XXXX Amcol put the debt on my credit report. The last payment Amcol debit from my account was on XX/XX/XXXX. From the beginning of the agreement XX/XX/XXXX until now I have not missed a payment or been late. Amcol miss used there authority, Amcol normally draft my account on the 6,7 or 8th of each month, Amcol had my new debit card information on XX/XX/XXXX. Amcol had no reason to put this debt on my credit report when I was paying the bill in agreement with the arrangement we had made. I was not late when I gave Amcol my new debit card information. I would like to keep making my payments and I will give it my all to pay the debt off sooner so I don't have to deal with Amcol any more, and I would like for them to take that debt off my credit report, because its a lie to say the debt was not being paid or late. I have my bank statement of every payment I have made, ( XX/XX/XXXX ) This should be against the law for a debt collector to put any thing on any ones credit report when they are paying the bill. What I don't understand is why is Amcol willing to hurt the creditor they are working for to collect payments for them? I should not have to plead my case, when I am so willing to get my bill paid and keep my credit good. I am praying someone can help me. I have worked really hard to keep my bills in good standing. Hope to hear from someone soon. 

I have my bank statements and letter from bank, let me know if you need them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

XXXX XXXX XXXX This is on my credit report and I have never signed up with XXXX. Please remove this from my credit report as it does not pertain to me. I have never lived in California and if this debt is no longer in your hands then you need to remove it from my credit report immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I mailed a certified letter to Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX asking to remove this inaccurate Bankruptcy information that's reporting on my consumer credit report. They have yet to respond or delete this from my credit report! No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. Consumer Reports Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining BureauofConsumerFin.Prot., FairCreditReporting ; XXXX ( XXXX ) A consumer reporting company XXXX not provide a consumer report under FCRA section 15 USC 1681b ( a ) ( 3 ) unless it has reason to believe that the user has a permissible purpose with respect to the consumer about whom the report is requested. 
A users request to a consumer reporting company for a report about a consumer does not give the consumer reporting company a reason to believe that the user has a permissible purpose to obtain a consumer report about other consumers. 
FCRA section 15 USC 1681b ( f ) prohibits a person from using or obtaining a consumer report unless... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under 15 USC 1681b and the purpose is certified in accordance with 15 USC 1681e by a prospective user of the report through a general or specific certification.
Product: Debt collection

XXXX  has a {$380.00} account that just appeared as a delinquent account under my name. They reported the account as being established in XXXX. I opened no accounts due to poor credit score that year. I disputed this account as not mine. I had only 2 accounts delinquent that are mine but I have no knowledge of this account. They said delinquent since XXXX. My concern is if delinquent since XXXX, why did it just appear on my credit reports? I only had 2 accounts as delinquent and in collections. Also, why can accounts in collections be sold to different collection companies to keep them open for collections? They should have been seen as not collectable and removed from delinquent accounts. My ex husband moved out of the country and left these accounts for me to deal with. I tried to continue making the payments but am on fixed income ( retired ) could not keep up the payments since XXXX. Should have been seen as not collectable. Check the 3 credit bureaus and that account was not in my delinquent accounts till just recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am potentially affected by the recent security breach of Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

# XXXX, XXXX XXXX. 

# XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX False, deceptive, or misleading representations or means. 

( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.

( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.

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.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was notified the money order had not been received. I attempted to file a complaint on the Western Union website. There was no way I could complete it. They asked for information I couldn't possibly have. I went to the store where I purchased the money order. They too were unable to file the request. After speaking with several people several times on Western Union 's customer service they finally told me to submit a copy front and back of the money order to XXXXXXXX XXXX XXXX XXXX I was told I would receive an answer back within 24 to 48 hours. That was on the XXXX of XXXX I have not heard a thing from this company since. I'm out XXXX $ since XX/XX/XXXX.
Product: Student loan

On XX/XX/year> I uploaded a manual employer certification form. After submission an automatic message stated that it would take XXXXXXXX XXXX to process. It has been longer than XXXX XXXX and this employer certification form still hasn't been reviewed. Once this form is processed I would be eligible for public service loan forgiveness. I have made multiple calls and they still can not say where they are with processing these manual request.
Product: Credit card or prepaid card

I filled a complaint earlier today and this is pertaining to the same issue. I was charged by XXXX {$750.00} on XX/XX/2022. The charge was made under someone elses name on someone elses app account. I never authorized this charge and the person whos name its under does not have access to my card. The bank linked to the card is capital one. Ive disputed it with them and they are refusing to help me. The hotel, XXXX XXXX XXXX XXXX, confirmed that the other person, XXXX XXXX, did stay there on those days but not only was it booked they a different website, but she uses her own card. Therefore, XXXX its charging me for a booking that does not exist. The resort itself will confirm this. The customer nonservice at capital one cant seem to understand that XXXX and the resort are 2 separate entities so they refuse to contact the resort, who would confirm that the booking is non existent.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

One Main Financial has repeatedly called me several times a day. Sometimes more than 7 times in a week. It is harassment how much they have called me. 

They even call from different numbers ( on the Same Day ) and leave multiple voice-mail messages. 
I had already made the rest of this month 's payment yesterday, and one of their debt collectors still called me that same day. I have proof of all of this. 

They've even started to call my home phone throughout the day several times. 
I can't afford the whole payment at one time, so I have to spilt the monthly payment amount in two, which I have done every single month. 

I've attempted to make arrangements with them previously and they put me on a program that appeared to helped me make lower payments at first, but it actually caused me to have to pay more for the loan over time. 

That was not clearly explained to me when I first signed up for the program. It wasn't until I tried to renew my eligibility months later, that one of their representatives told me that it was a horrible program that they trick people into. 
This representative told me that spilting the payment up in 2 parts every month was better as my whole bill would be paid that month, plus I would not he paying extra in intrest. 

I'm not in the best financial position right now, but One Main Financial ALWAYS gets paid the full payment every single month, yet they continue to harass me by calling me incessantly. 

This company has extremely unethical business practices and I'm considering suing them if they do not stop these harassing calls.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXXXXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account name : XXXXXXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted letters of validation under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I haven't received confirmation with my signature. Stating this debt actually belongs to me.
Product: Debt collection

Three years ago Debt Recovery Solutions put a collection on my XXXX and XXXX credit report stating that I owed {$420.00} for a physicians bill acquired through XXXX XXXX in XX/XX/XXXX. I called XXXX and they confirmed that I had no outstanding debts and they also confirmed that I had no services through them prior to my XXXX in XX/XX/XXXX, which I paid for 3 weeks prior to my XXXX. I got it removed from my report. Now that I am applying for a mortgage they put it back on my credit report and sent me two letters that I owe {$860.00} for services rendered by XXXX in XX/XX/XXXX and I owe another {$860.00} for services rendered by XXXX in XX/XX/XXXX. The letter said they are having a sale and I can settle these accounts, the XXXX from XX/XX/XXXX for the amount of {$380.00} and the XXXX from XX/XX/XXXX for the amount of {$350.00}. This is a total scam and they have hurt my credit, caused me to loose a deal on a property I wanted to buy and continue to make false reports to the credit reporting agency. What can I do to clear my credit and stop these scammers? I found over pages of similar complaints on the internet. This company must be stopped. 
They also said my address was from a property that I own but it is investment property and I never used it as my mailing address so I know they likely pulled that from the auditors web site.
Product: Credit reporting or other personal consumer reports

I'm submitting this statement due to a serious issue of identity theft that has detrimentally affected my credit report. Following the necessary step of filing a report with the Federal Trade Commission, in compliance with legal requirements, I'm actively working towards resolving this issue. The Fair Credit Reporting Act ( FCRA ), Section 605B, mandates that credit reporting agencies must quickly remove any entries from a consumer 's credit report that are identified in an identity theft report. For reference, my report is numbered # XXXX. Attached, you will find documents that support the removal of these inaccurately reported items. Accounts opened fraudulently, without my consent, include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with FCRA Section 605B ( a ), it is the responsibility of credit reporting agencies to ensure the removal of such disputed entries from the credit report within four business days following the complaint 's receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loan accounts were under XXXX Forgiveness. They were forgiven after completing long process with this agency. Everything was squared away. First this agency was servicing the account when it was forgiven. 
XXXX XXXX XXXX XXXXXXXX  XXXX Installment Closed XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Installment Closed XX/XX/XXXX Then, after two years, this agency started servicing THE CLOSED FORGIVEN ACCOUNT [ XXXX XXXX XXXX ] and below is what they did to my previous XXXX   FORGIVENESS ACCOUNTS WITH XXXX XXXX XXXX XXXX  Then, I have contacted XXXX XXXX XXXX and tried to resubmit the same information that I submitted to XXXX XXXX XXXX XXXXXXXX ; however, rude customer service representative, no answer in regards of my student loan forgiveness that I was already granted by the previous servicing agency and also accounts blow-up my credit report with seperate accounts in total of 15, while in the first agency it was a simple one account.

I have did my time XXXX  and I am still in the XXXX field in XXXX and I am trying to purchase a home, but these accounts that came up last year need to be removed from my credit report as they were in the first place forgiven. XXXX XXXX XXXX   does not care about the consumers and is not aware of the accounts they are actually servicing. My accounts were closed and forgiven through my employment at XXXX XXXX XXXX XXXX from XX/XX/XXXX. 
Please review my case, I have been trying to contact this agency via mail and phone, but no response at all. 


XXXX XXXX XXXX XXXX {$2000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$13000.00} Installment Current XX/XX/XXXX XXXX XXXX  XXXX XXXX {$26000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX   XXXX {$5700.00} Installment Current XX/XX/XXXX XXXX XXXX   XXXX  XXXX {$5600.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$4600.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$3100.00} Installment Current XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I an filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Comsumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate for these violations.
Product: Checking or savings account

i opened my account back in may with BANK OF AMERICA and it was fine until somehow i was notified i was put on a fraud restriction.following that i was made aware that the representative who help open my account had never cancelled original one instead opened 3 new accounts and attempted to run my credit for a credit card i did not authorize and that was i was put on a fraud alert then everything became a problem. i received a check for a payment i received for work and it came back bounced, which all my previous checks were good checks and were credited. following that i got a letter that my accounts were closed without further notice date XX/XX/2021 and i had no access i had funds of XXXX and was told id receive a check.i had payments and deposits that were gon na start being deposited and still havent received them because they refuse to fix the issue. i was told to go in person to the branch so i did and still nothing, ive received checks from Bank of america in the ammount of XXXX and XXXX which were no good.ive had about 9 credit inquiries that were not me and they agreed to remove and 2 months latter nothing i founf out i have 7-9 opened accounts that i was not aware of some with balances and yet they say they will close them but nothing i keep receiving debit cards issued by them and constant statements and whe i call im on hold for usually 2 hours before the representatives hang up. this has cause so much stress and financial loss due to time spents and trying to regaing my funds back and have put me on alert with other banks due to their employess mistakes ive supplied documentation to prove identity and went in person to a branch and nothing works.i need this issued solved before i take this to court and file a law suit.
Product: Checking or savings account

I recieved an email from Bank of America saying an account was open but denied with my email on XX/XX/XXXX. 

Their contact is almost impossible to get ahold of but who ever I ended up talking to after an hour on hold wouldn't help me and asked for my social which is a red flag according to their site. I just want that account closed as experience stated they used my social
Product: Debt collection

I have had Medicaid coverage for her he past three years, since XX/XX/XXXX. There is collection account that is reported on my credit report for XX/XX/XXXX for {$930.00}. I have contacted the collection company and the credit bureaus and requested for this to be removed from my credit. I have also provided them with evidence that I was fully covered with Medicaid during that period. Unfortunately, they have not addressed the request. I contacted XXXX, XXXX, and XXXX XXXX XXXX on this, but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX, XXXX stating they were furnishing inaccurate information on my XXXX Report. After identifying this fraud, I was informed by XXXX XXXXXXXX, NA that they would be sending a request to the Consumer Reporting Agencies to have this inaccurate information removed. However, it has been over XXXX XXXX and this negative, inaccurate information is being furnished. I contacted the XXXX XXXX Agencies and was informed that they never received the deletion letter. XXXX XXXX, XXXX is continuing to ruin my financial reputation and shall be fined {$1000.00} per day upon receipt of this notice for willful and negligent noncompliance pursuant to 15 U.S.C 1681n and 15 U.S.C. 1681o.
Product: Mortgage

My husband has been sick, We were in and out the hospital since XX/XX/2016. He passed away on XX/XX/2016. I am trying to deal with all money being cut off and then restated. I informed Wells Fargo of the problems I am having and that it would take some time to straighten it out. I have faxed the death Certificate twice to them.Our mortgage company WELLS FARGO is calling every 15 minutes. Today the lady informed me that they are foreclosing on the house. I consider this harassment after i have followed what they told me to begin with. I called them they informed me they needed Death Certificate Faxed to them