23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

So, these XXXX  hired SIMM ASSOCIATES in XX/XX/XXXX to collect a debt that I don't owe that allegedly originated in XXXX. When SIMM Associates called, they wouldn't tell me the name of the company without confirming my personal information. I don't do that over the phone so the lady hung up. I get a letter FORWARDED ( because they don't have the right address ) about it being from XXXX XXXX. 

Now, I vaguely remember this place trying to corral a bunch of people to take some sort of online classes for XXXX YEARS ago and I never agreed to enroll in anything. They emailed a bunch of mess and I deleted everything. I never attended a XXXX class or agreed to pay for anything. Therefore, I don't owe XXXX XXXX XXXX, SIMM Associates, or XXXXXXXX XXXX XXXX  XXXX. Stop harassing me. 

I even attached a screenshot of an email from them begging me to apply. Stop playing with me. You're not fooling people with your fake A+ XXXX  rating but there are a copious amount of reviews/stories of your company harassing people who are NOT the debtor you seek. Your XXXX  rating needs to be an F, right along with SIMM ASSOCIATES and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a home and my closing date is coming up this month. I was preapproved for a mortgage but when my broker went to pull my credit for the application Equifax was not returning a score. 

For context, I opened my first credit card in XX/XX/2019 as well as adding a car lease in XX/XX/2019. I have been able to establish my credit with XXXX and XXXX  but not Equifax. 

I have been calling Equifax and my creditors for over a month now trying to figure this out. Equifax does not have a credit profile for me and neither XXXX XXXX nor XXXX seem to know whats going on. Ive mailed them all documents, filed disputes, sat on hold for hours on a daily basis. I have been told different stories and every time I feel like I have a sense of XXXX going on a customer service rep tells me a new story as to why I dont have a credit score and whos fault it is. 

I have asked my credit card company, XXXX XXXX, and my auto lease company, XXXX, to send my information to Equifax. I requested it be expedited as my closing date is soon approaching. I fear I will lose my home because Equifax is not reporting a credit score for me. 

I can not express how much I appreciate anything you can do to help resolve the situation. Thank you in advance.
Product: Student loan

I was told by my school ( XXXX ) that I could only borrow from XXXX XXXX and I was not given other loan options. I understood that the XXXX XXXX loan I took out started accumulating interest from the time of dispersal, but I was under the impression that subsidized loans had the interest paid by the government until I entered repayment. I paid towards the full balances of the loans, principal and capitalized interest for 3 years before contacting Navient ( formerly XXXX XXXX ), and asked why the balances on my loans were more now then when I started. They told me they simply " overlooked '' applying the government subsidy payments and they would correct the problem so that form " now on '' my payments would be applied correctly. In light of recent news, it appears I am not alone in this issue and I am wondering just how much of my hard earned money Navient has cheated me out of? I feel they should be accountable for their unscrupulous business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion website do n't allow me to dispute items. When I called TransUnion either they are busy or automatic service voice say the department is closed. 
I been disputing items on my credit report with TransUnion in the pasts and even mail in proof of old credit report how the creditor would either change payments status, change things and continue to allow credit items stay on my credit report when its over 7 years mark supposed to be deleted.
Product: Credit reporting or other personal consumer reports

I have not supplied under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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: Bank account or service

On XXXX XXXX my debit card would not work at the atm machine. I went inside the branch and told the teller. she did the transaction for me. later that day I found out a check had not cleared so I rush back to the atm before XXXX to deposit the money back except the card would not work. there were another deposit made in the account that was placed into pending although it was cash. The check was paid and I was charge {$35.00}. the issue is the bank was to investigate the matter in XXXX and get back with me, never a letter nor a phone call not even a message. I went to the branch yesterday to see what was going on and I got such unprofessional response from the employees and lies and they stated the bank does not send customers replies to dispute because it is a personal thing that they do so they do not, yet they tell me this employee had tried several times to call me and yet I never received a call or a voice mail, not even a e-mail from this branch. the bank manager was talking to the man employee and when he walked out I asked to speak to her, would you believe she effused to speak to me and she was sitting right there in her office looking directly in my face which she then moved her chair over to the other side so I could not see her and there were no one in her office with her. That employee that was to type up the paper work for the investigation did not know what she was doing and she said so, other people was coming in to help her and because I had been in her office a long time waiting for her my XXXX small grand children got very antsy, so now you know I am getting a little frustrated because every office person should know how to quickly get a customer request resolved, except this one did not. to wait two months for a banking resolution is ridiculous and this type of behavior should not be tolerated from no employer. all your office personnel needs to be terminated and all your bank tellers should be running the bank and then find all new tellers, because they are the ones with class and professionalism. this group at the XXXX GEORGIA NEEDS TO GET THEIR TRAINING FROM THE XXXX, GEORGIA BRANCH ON HIGHWAY XXXX BECAUSE THEY ARE THE TOP WHEN IT COMES TO CUSTOMER SERVICE AND THEIR NEEDS. MORE SO THEY ARE HONEST IN GETTING THE JOB DONE AND KEEPING A VERY GOOD REPUTATION FOR THEIR EMPLOYER.
Product: Checking or savings account

A refund check was issued by a Title company to refund my earnest money deposit on a home contract that fell through. They cut a check from XXXX XXXX, signed by two people, on a printed check. They are holding the check for 7 business days and refuse to release any funds, there are no reasons to suspect that this has any reason to be unpaid ( it is a refund of earnest money from an escrow account ), nor any overdraft history, the account has been in good standing for 18 years at the bank, and the check was for less than {$5000.00}. This violates the Expedited Funds Availability Act and the bank refuses to cooperate and expedite the clearance of the funds.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and noticed some things are incomplete and not accurate.And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because ( XXXX XXXX  ) open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

( XXXX  ) open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

( XXXX XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX XXXX open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX  ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX  ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX  ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 


Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S code 1681 E ( B ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S code 1681 I ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate incomplete or can not be verified, the consumer reporting agency shall - ( I ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation, and ( II ) promptly notify the furniture of that information that the information has been deleted from the file of the consumer
Product: Debt collection

The company constantly contacted me asking for an extremely higher amount and force me to send them a XXXX XXXX for a paid off account that was not originally theres before the payment was posted to the account a refund was requested. Instead processing refund company said they would put they will not contact me on the file and hung up. This is illegal and i was scammed
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 Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX- Phone call to TransUnion to have unauthorized inquiries removed after informing them that I was a victim of their inquiry problem. Representative stated that she 's unable to help. XX/XX/XXXX Phone call to TransUnion to have unauthorized inquiries removed agains stating that I am a victim of their inquiry problem. Representative stated that he 's unable to help.
Product: Debt collection

Me and my husband contact the company National Credit System because we received many letters and calls about a debt collection owed with approximately amount of {$1500.00} but we paid in full in XX/XX/2017 direct with XXXX XXXX the company with the issue but this people want we paid double, and I try send the evidence by fax but their collector XXXX XXXX was rude and she gave me a wrong fax number, and now this company public in our credit the collection.
Product: Debt collection

Midland consumer management calls up to 15 times a day I have blocked 8 different phone numbers and they keep calling
Product: Debt collection

On XXXX I received collection bill for what it appears on a hospital stay on about XXXX from AmeriFinancial Solutions, LLC., XXXX. XXXX XXXX XXXX, Maryland XXXX I am unaware of their medical debt even exists. On XXXX and again on XXXX I requested via certified letter for a proof of debt with an explanation of a detailed, itemized statement from the collection agency. As of XXXX I have not received any written documentation from Collection Agency. I have a collection report as a derogatory/collection claim on my credit report which is reducing & negatively affecting my credit. 
A phone call was made directly on about XXXX to collection agency with no information shared with me on the what the debt was for or by whom. They requested for proof of Insurance which was mailed to them on the certified letter of XXXX. 
I applied to all major credit report agency for a dispute. XXXX  has responded and returned with a validation of the debt, which it should have been removed from my credit report since I showed proof of inquiring about and the collection agency has not submitted the itemize or detail explanation of debt in return. 
I still do not know what the debt is for and I have collection report on my credit agency which is affecting my credit score.
Product: Mortgage

Refinancing my mortgage with the existing loan holder, Freedom Mortgage. I was told that the loan was closing in early XXXX, early XXXX, and most recently I was told in early XXXX that it would be closing today. My phone calls and emails have been avoided and not returned. Ive received multiple excuses as to why my loan is not closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have asked for the items to be removed to correct my report. I have already reported the identity theft to the Federal Trade Commissions and can provide documentation supporting the Federal Trade Commission 's affidavit.
Product: Mortgage

I made a payment from my usual account on XX/XX/XXXX, it cleared on XX/XX/XXXX and reflected on the mortgage company 's portal in my account. 
I had my closing on XXXX XXXX, when the closing checks and final payoff amount was sent to mortgage company they suddenly changed the status of last made monthly payment to " Reversed '' and also charged me a fee. They sent me a letter stating I made a payment with dishonored check. Which is not the case. The money went through the same account as I have been paying from all previous months
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. I disputed negative inaccurate items that are currently listed on my credit reports. On XXXX, I received a stall letter from XXXX, accusing me of using a credit repair organization. I'm an informed and educated consumer, and this blatant excuse provided by XXXX is a clear violation of the FCRA. They must investigate all disputes sent in.
Product: Vehicle loan or lease

I tried to pay off my loan through Hyundai Finance on XX/XX/XXXX. Hyundai sent me an email on XX/XX/XXXX to tell me that the payment did not process through my bank due to some error in the routing or account number. At that time they also imposed a {$30.00} NSF fee. 
I then called Hyundai Finance customer service and spoke to " XXXX '' who said that he would waive the fee if I paid off the loan including the fee, through him that day. I did and when I asked how the waived fee would be refunded he told me that it would come in the form of a check via US mail. 
After waiting until XX/XX/XXXX and after receiving the clear title in the mail, I called Hyundai Finance again to as when I could expect the check. I Spoke to another " XXXX '' who told me that the refund shows up in the account, but it's " just sitting there. '' He then attempted to transfer me to a manager to verify when the check could be cleared and sent. Unfortunately, my call was NOT transferred ; I was disconnected. I waited a few minutes to see if anyone would call me back but no one did. I called them back and was connected to " XXXX. '' After explaining my dilemma, she put me on hold to check into it. XXXX also said the refund was " sitting there, '' but couldn't process due to the loan being closed. She then said she would send an email to the payment processing department asking them to take care of it and also for them to contact me to advise the status. 
Nothing was done and no one called or emailed me as of today so I called once again and asked to speak to a manager and was transferred to " XXXX '' who asked me to explain the issue again even though he said he had the history pulled up. I did so and his response was that they simply don't send refunds after the account is closed. The conversation ended with my telling him that my next contact would then be Consumer Financial Protection Bureau and him saying " fine. ''
Product: Credit card or prepaid card

A friend who is an XXXX  to the XXXX wanted to give me a gift card as a favor for helping her. A cashier at a local XXXX XXXX store talked her into purchasing a NETSPEND card, telling her it was a gift card. The friend paid for the purchase of the card as well as she thinks {$25.00} for the gift card balance. 

Upon receipt of this card, I attempted to use it, only to find out I must sign up for an account with NETSPEND. As our household has several bank accounts as well as traditional credit cards, I did not want to create an account with NETSPEND simply to spend the existing balance on the card. Additionally, NETSPEND had demanded my social security number. 

I have tried to resolve this issue for approximately a year with no success. I would like to use the full cash value of this card at time of purchase without being forced to give create an account, provide my social security number, or pay any fees of penalties for not having used the card for so long since it was purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft and I notice 2 accounts on my credit report. XXXX # XXXX and XXXX XXXX # XXXX. 

I have provided XXXX, Experian and XXXX  the copy of the police report and have provided a victim 's complaint & affidavit to XXXX and XXXX XXXX and everything else that they have requested. XXXX  deleted the 2 accounts, but XXXX  and Experian has refused to delete these 2 accounts from my report. They keep saying that they have verified that this account is mine but have not provided any documentation to show that these accounts are mine. 

Also I have also asked the original creditors - XXXX & XXXX XXXX to provide documentation / proof that this account belongs to me and they have not.
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 name : # XXXX, Account name : # XXXX, Account name : # 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 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.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
Product: Credit card or prepaid card

Citi pr estige Account was CLOSEd by  Citi VP   XXXX   XXXX , ruthless employee.       LOTS  XXXX  of REWARD points due to a HOSTILE employee  XXXX   XXXX   ! !!       1. D enied access to  XXXX  reward points both online and on phone.    2,   XXXX  reward points are equal to {$1300.00} in travel value.      Citi ha s BLOCKED me from every opportunity to access my reward points forcing a SEC complaint and lawsuit.      XXXX   XXXX  is a ruthless employee who is retaliating aginst  me. Citi Th ank You employee said ONLY writing into  XXXX   XXXX  about account but said it can not be opened again forfeiting ALL EARNED reward points.  XXXX  is a BULLY.      Citi T hank YOu online response. Service center REFUSES to HELP!!       " We do n't recognize y our Sponsor Account number. Please verify the number and try again. If the problem persists, please call our Service Center  at  XXXX   (   XXXX   ).  The  ThankYou Service Center  is open from Monday to Friday,  XXXX    XXXX   to  XXXX   XXXX  ET and Saturday and Sunday,  XXXX   XXXX  to  XXXX   XXXX   XXXX .     If you are attempting to add you r Citi PremierPass  /  XXXX   XXXX   XXXX  Card to an existing account but are experiencing problems doing so please  call the ThankYou Service Center. ''
Product: Consumer Loan

I have acquired a cash call loan for {$5000.00} a few years back. I am unable to pay and I am reading that some of their loans may be subject to usury violations. I am looking for input to see if they are a valid lender due to their high interest rates.