23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I financed furniture through XXXX XXXX XXXX financier XXXX XXXX. Shortly after getting the furniture, I was put on XXXX XXXX XXXX for 6 months. That was the first time I attempted to contact them to make alternate payment arrangements as I was not receiving a full salary. Upon returning to work, I was intermittently on unemployment due to my employer doing a complete restructure of my job site. I, again contacted XXXX to advise them of the situation and make payment arrangements. They advised me that they do not make arrangements and would not be willing to make any arrangements. Auto drafts from my account were being done by the company throughout this period however they stopped taking the payments after XX/XX/XXXX. In the interim, I contacted them again to set up arrangements to remove late payments and get my account in good standing, however the company refused to provide any payment arrangements. Since then, they have placed this account for collections with JJ Marshall. I sent JJ Marshall a letter via certified mail asking for validation of the account. This letter was sent out on XX/XX/XXXX. While I have not received a response to this date, I can confirm that the letter was received on XX/XX/XXXX. USPS tracking number for the letter sent to the Collection agency is XXXX. Today on XX/XX/XXXX, I got notification that they attempted to serve me with lawsuit papers. I have yet to receive any information directly from the creditor, however they have removed the collection from my credit report. I am filing a complaint because the account is no longer listed as being held by the company attempting to sue me ; a company that has not responded to my written request for supporting documentation ; and the original creditor refused to provide we with any comparable solutions for repayment of the original loan amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I re consolidated a few credit cards in order to reduce my monthly payment into one. After have all the accounts transferred into one account for XXXX XXXX, apparently some credit card companies still reported my status incorrectly. Now I have delinquent accounts showing in my credit, and it does not allow me to purchase anything on credit, even though I am still making payments on all those expenses. I just want to remove the delinquent accounts under my credit.
Product: Credit card or prepaid card

Milestone Mastercard XXXX XXXX XXXX XXXX/ MI XXXX XXXX XXXX XXXX , OR XXXX XXXX XXXX I took out the card and Without using it or activating it the card came with a balance of XXXX This balance is very deceiving. They charge an annual fee without the person ever activating the card. The other issue is it is not made abundantly clear beforehand that this would occur. If not for XXXX XXXX I would have never noticed and I would have been unjustly billed. 
I called and complained about the charge. I not yet understanding why there was a charge to my account told the individual I spoke to I never used the card and I should not have a balance. I also told them I did not want the card. I want it closed and I would be reporting them to consumer finance. Their response was asking me if I wanted to activate the card. Luckily I said NO and repeated I wanted the account closed out. They transferred me to a manager. 
After talking to a manager I discovered had I activated the account I would have been stuck paying the fees. I felt mislead. The woman I spoke to before clearly tried to trap me into having to pay the fees by 1st not disclosing I would have to pay the fees if the card was activated and 2nd by ignoring my demand to close the account and offering to activate the card. 
This is not a trustworthy company! 
XXXX XXXX has many people complaining that this card is not clearly transparent on the annual fee. And they clearly do not explain we will not be held accountable if we do not active the card. And clearly if you call to complain before they explain the fees and how to avoid them they try to push you to activate your card. 
Now my concern is how trust worthy are they to follow through and not charge me a fee and how will this affect my credit score.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft theres 3 inquiries on my credit report that doesnt belong to me and for some reason its not being removed the company names are. XXXX, the next one is XXXX  XXXX and also XXXX XXXX. I have never requested any credit from those companies
Product: Student loan

During my 4 years of college I was studying to enter the XXXX XXXX XXXX XXXX. I took out several loans to help, both private and federal. The issue is that the Private loans, now owned by XXXX XXXX XXXX XXXX have variable rates. I have worked on and off during raising my Child and I am expecting to be out of work for my XXXX child. The reality is that my work does not cover the cost of childcare so it is more affordable and just as beneficial to the children to stay home with them. There are currently 4 private loans amounting to {$40000.00} with rates of 11.25 %, 11.75 %, 10.625 % and 11.125 %. I have paid these since graduating in XX/XX/2011 but can no longer keep up having made no dent in the principle and only affording to pay the outrageous interest rate each month. How can they get away with not lowering these rates to a fixed lower rate that is achievable. This is predatory lending to a young XXXX girl with little/no financial background. In addition to this, the school provided no education on the risk of lending, nor did they make any effort to find a lower rate federal loan that would not create such hardship for students futures.
Product: Debt collection

Account was sent to collections XX/XX/XXXX. Paypal failed to agree with dispute in XX/XX/XXXX for {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. The past 2 months i have disputed this and it was verified as " accurate '' by XXXX XXXX XXXX. It is reporting to Transunion, XXXX and XXXX  but a lot of contradicting information there is no way that they that they can verify this debt as it is reporting completely inaccurate they are in violation of my rights. 

below are the innacuracies Monthly payment Transunion {$260.00} XXXX {$260.00} XXXX  {$0.00} Date opened Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX month ( terms ) Transunion XXXX XXXX XXXX XXXX  XXXX high credit Transunion {$15000.00} XXXX  {$0.00} XXXX  {$15000.00} Last reported date Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX date of last active Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX the reporting on the bottom on the 2 year payment history is all different as well..please see attached document for proof of all of the inaccuracies stated above
Product: Credit reporting, credit repair services, or other personal consumer reports

Vervent closed my credit card account because they claim I filed a fraud alert on my account. I assured them that I didn't and they told me to fax a letter stating that I did not file my account as fraud and that it would be re-opened. We went back and forth where they claimed they never received the letter although I had proof that the letter was delivered numerous times. Vervent gave me a new account number. Then closed the new account number as well. Fast forward, they are now reporting 2 duplicate negative accounts on my credit report. One showing as closed and the other is showing as opened. I called them and they told me to dispute it with the credit bureaus. I did and they disputes came back verified. I want these accounts immediately removed from all credit report agencies as they are duplicated and are reporting inaccurately.
Product: Checking or savings account

On XXXX XXXX, I placed a order with XXXX and used my debit Chase Card to pay for the transaction in full.

The amount was {$300.00} bucks.

I checked my debit card and saw the funds had been debited from my bank account.

Their was a small writing on the Chase transaction solicitation to accept a XXXX pay option of {$75.00} every XXXX weeks for XXXX payments and the first payment would start XXXX XXXX Now after accepting the offer the funds in the amount of {$300.00} would be put back into my account which brought my balance back to {$3800.00} around. 

Today I check by Chase checking account and I saw the XXXX charge for {$300.00} was added back to my account and subtracted from my available balance. 

I contacted Chase and was given the runarounds after verifying with XXXX that they had been paid in full and requested Chase to removed the XXXX pay off of my account and informed them I turned off the automatic withdrawl option since I had already paid XXXX in full for the laptop. 

Chase wanted me to file a claim and I told them this is not a claim issue. This is a valid purchase that I paid in full for with my Chase Bank Account.

Still trying to Scam me when they solicited me and I never initially paid for my transaction in full and had over {$4000.00} in the bank and did not need credit from them at all.

It just appears Chase is trying to continue to destroy my credit and this is deceptive trade practices.
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX FIN : 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.
Product: Debt collection

On XX/XX/XXXX upon applying for a mortgage pre approval the lender notified me of a judgement on my credit report from the state of XXXX that was dated XX/XX/XXXX. I had no knowledge of this judgement as I had not received any notification, in fact, my family and I had relocated to XXXX in XX/XX/XXXX. A change of addrsss was listed with the USPS. I contacted the creditor listed on my credit report, Mountainland Collections in hopes of gaining insight on the matter. I was transferred to a manager who then referred me to XXXX XXXX XXXX at XXXX XXXX. I explained to the collection manager that I had no idea what the judgement was for or that it even existed, I requested copies of documentation so that I could verify that the debt did in fact belong to me. She told me no, she would not provide that information to be because I was already served with papers back in XXXX, if I wanted documentation I would need to contact the courts. I explained to her that I had not received any summons or otherwise from a process server, she proceeded to tell me that my husband was served with the papers. I told her that was not true, neither of us had any knowledge of the situation nor had we ever been served. She proceeded to ask me how I intended to satisfy the judgement, I told her again that I needed to verify that the debt belonged to me and if so I would gladly make arrangements. I asked a second time to have the documentation from the original creditor and she refused. She became insulting and told me that if I were a responsible individual that paid my bills I would not be in this situation and she will be looking into options on collecting despite my living in another state. I finally grew frustrated and ended the call, I then made multiple calls to the court system in XXXX, XXXX to find some sort of documentation or paper trail. I finally spoke to a clerk that gave me the name of the original creditor, she also informed me that the collection agency could not refuse to provide me with the documentation that I requested. On XXXX XXXX after reviewing my pay stub I saw that a garnishment was listed, I never received any notification of a garnishment nor had any knowledge of their intentions. I contacted payroll and was told that papers were served to my prior address, an address that I have not lived at for 5 years. It was only because of my payroll manager that I even received any documentation on the garnishment. I have no issue paying on a debt that is rightfully mine but when I have zero knowledge of the situation and nobody that is willing to provide me with supporting documentation there is a serious problem. In both instances I was not able to dispute the validity of the debt or actions taken because I was NEVER personally served or notified. Now I have a garnishment that is over 3 times the amount originally owed, a judgment on my credit report and 25 % of my pay check is being taken for a debt that I do n't even know belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my initial complaint against Transunion and XXXX, who are violating the Federal Credit Reporting Act, which states that creditors can not furnish information about consumers to consumer reporting agencies following mergers, portfolio acquisitions or sales, or other acquisitions or transfers of accounts or other obligations in a manner that prevents re-aging of information, duplicative reporting, or other problems that may similarly affect the accuracy or integrity of the information furnished. For the past 5 months, I have disputed a debt that is being reported on my credit report twice. XXXX XXXX, acct number XXXX is reported an alleged debt owed to them in the amount of {$520.00}, and a debt collector, XXXX XXXX, acct number, XXXX is reporting debt owed to them in the amount of {$520.00} that was originally owed to XXXX XXXX . I am emotionally stretched thin and exhausted from writing to Transunion and XXXX  about the reporting of these XXXX accounts. 

I contacted both companies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached certified receipts ) and I have yet to receive a written response back from either company nor have I viewed any recent changes to my credit reports that I reviewed using their companies website. I'm requesting the immediate removal of both accounts, XXXX XXXX & XXXX XXXX  due to willful negligence and improper investigation. Several consumer laws have been broken and these 2 companies are utilizing the pandemic as an excuse to NOT DO THEIR JOBS. 

If Transunion and XXXX  are conducting an investigation why are there so many inconsistencies from the same company. On the Transunion report, XXXX XXXX is showing an account status of open, yet XXXX is reporting an account status of closed. Is the account open or closed? Why is XXXX reporting 2 different account statuses? I reached out to XXXX & XXXX XXXX and I have yet to receive an response.
Product: Credit reporting or other personal consumer reports

DEAR EQUIFAX I GOT UP YESTERDAY AND PULLED MY CREDIT REPORT I THEN REALIZED IM A VICTIM OF IDENTITY THEFT THEFT/FRAUD PLEASE HELP ME TO REMOVE THESE FRAUD ACCOUNTS FROM MY CREDIT REPORT.XXXX XXXX XXXX IS A CREDIT CARD OPENED ON XXXX, ANOTHER FRAUD ACCOUNT XXXXXXXX XXXX XXXXXXXX OPENED XXXX XXXX XXXX ANOTHER FRAUD COLLECTION XXXX XXXX XXXX OPENED XX/XX/XXXX .PLEASE HELP ME TO FIX THIS MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX XXXX XXXX to ask about additional time on my last installment due to having issues during COVID financially. Additionally, I asked if I made this payment late would affect my credit. The rep told me that as long as I make the payment before XXXX XXXX does there monthly reporting that I should be fine. We came up with the date of XX/XX/XXXX and I paid on that exact date. When they updated my credit to show that my car was paid off they gave me a late payment on all of my credit reports for XX/XX/2021.
Product: Credit reporting

Replacement information for case number XXXX On XXXX/XXXX/2016 I requested validation of a bankruptcy on my credit report reference numbers XXXX Bankruptcy Chapter XXXX, XXXX Bankruptcy Chapter XXXX, and XXXX Bankruptcy Chapter XXXX, providing me with any viable evidence bearing my signature submitted by United States Bankruptcy Court to validate this bankruptcy. Equifax failed to provide me with validation and only provided me with a letter stating that it was verified. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt or public record. 

I placed a security freeze on my personal public information with XXXX on XXXX/XXXX/2016 and XXXX verified that the freeze was placed on the on XXXX. The representative XXXX stated that no one has requested my information and it is not showing in their system that anyone has requested my information. However according to the results of the disputes that I placed with Equifax they are listed on the report as verified. I contacted Equifax and Equifax claims that XXXX sent them paperwork to verify that the public records are mine. The Equifax representation stated that it was verified on XXXX/XXXX/2016. This is a great concern to me because my rights have now been violated by Equifax or even XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit agencies with regards to the XXXX XXXX XXXX account that is reporting on my credit file. All of the credit agencies remove this account except for Experian. Experian is reporting an account that does not belong to me. Please assist me in getting this account removed from my credit file.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX Name : My current legal name is : XXXX XXXX, but it is listed incorrectly on my credit report. I request that my name be updated to reflect the correct information. 

XXXX Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but my credit report shows an outdated address. I request that my current address be updated accordingly. 

XXXX Contact Information : My main contact number is XXXX :. I would like this number to be updated. 

XXXX Date of Birth : XX/XX/year> ( XX/XX/year> ) XXXX Employer : XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill
Product: Student loan

The contract said that the loan would be eligible for deferment for up to 10 years after completion of school during residency training. Deferment did not mention that interest would have to be paid back during the time. This lead to me calling several times regarding this while penalties accrued. No options were offered or available for someone who was unable to pay the amount every month.
Product: Credit reporting or other personal consumer reports

In XXXX and XXXX my consumer report from Early Warning Services says that I opened an account with XXXX XXXX XXXXXXXX and XXXX. I have neither of these accounts nor have I tried to open with them. The ONLY bank that should be on my report is XXXX XXXX, Ive been banking with them for years. Early Warning services sent me a letter stating that I need to go on consumerfinance.gov to remedy the issue further but other than that they arent being sympathetic or helpful to my situation. Every time I call regarding the steps I need to take to get these flags off my report they shun me out and dont listen. Ive also tried to report this crime to the NYPD by making a police report but they wouldnt allow me being that this occurred well over 3 years ago. Its not fair that Im being sent in every direction to get help but no one is actually helping. I would like to have a savings account with XXXX XXXX but that wont happen until this gets resolved.
Product: Debt collection

Please refer to my prior complaint : XXXX My loan was being serviced by XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX at one point. Initially, I complained and they claimed they could " neither confirm nor deny '' that I had any loans with them. Finally, after several phone calls they were able to give me a phone number to the new student loan servicer which is Flexpath Capital, LLC.

I was able to contact someone there and they said that they were now servicing the loan and that it would take time for them to input my data into their system. I provided them with my updated information and they said that for now, I should pay my student loans by telephone. I have been making monthly payments over the phone in the amount of {$700.00} since XX/XX/2021. I have not received a statement nor is it clear if they even have information on the original loan. At this point, I'm not even sure if the loan is valid and I'm simply paying because they simply think I'll continue to pay without question. We've asked for login information and gotten nothing. Now, six month later I'm still paying telephonically and there's no way for me to track who actually has my loan.
Product: Mortgage

My ex-spouse will be short selling the former marital residence where I hold a home equity line of credit. When contacting First Horizon/First Tennesse bank I was advised they would entertain a short sale and that I as the loan holder would still be able to pay them the full amount so it not damage my credit. I was told by their SVP and chief legal counsel that they are more than happy to accept payment in full and ontime however they still will put a negative mark on my credit report Bc of the word short sale. How on earth can someone be harmed by a negative credit mark if a loan is paid ontime and in full? It does not appear right.