23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2021 I purchased 4 Vanilla Visa gift cards from XXXX. On XX/XX/XXXX, I discovered all the money had been charged off one of the cards by someone else. I immediately called Vanilla Gift Card company to explain the situation. They opened a case and said I would receive an email from them. I never received an email so I called them again the next day. During this call I requested their email address so I could send them a copy of the receipt along with the other items they requested. Shortly after the call I emailed those items to the email address they provided. Since that time, I have repeatedly asked them if they received the items and if they were processing a refund or a new card. I have not received any response. 
They assigned case number XXXX to this issue.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) PLEASE REMOVE THESE FILES A.S.A.P I HAVE NOTIFIED THE COURTS AND THEY SAID THEY NEVER RELEASED ANY INFORMATION FOR NO BANKRUPTCY AND ITS INACCURATE.. 
XXXX ALSO SAID THE SAME THING.. 

ALSO AT THIS TIME IM ASKING THAT ALL FILES BE REMOVED FROM MY CREDIT REPORTS ALL MY ACCOUNTS ARE PAID AND IN GOOD STANDARDS..

15 U.S. CODE 1681A 15 U.S. CODE 1681 B2 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate.
Product: Mortgage

Initial loan servicer, XXXX turned over the loan to HUD/NOVAD XXXX XX/XX/XXXX with correct balance. A tax delinquent payment in XXXX was repaid by me in XX/XX/XXXX. NOVAD decided to attach previous payment from XXXX as a new loan in XXXX thus inflating the principal and charging unfair interest for the past 5 years. Current Servicer, XXXX has not addressed the issue. NOVAD ignored my complaint though negligent staff who were patronizing and indifferent, stating " You just don't understand ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Trans Union and XXXX XXXX via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated X/X/17. I have not gotten any responses from XXXX XXXX or Trans Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX Account Number 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 an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Product: Vehicle loan or lease

Hyundai Motor Finance has held my title hostage. I sent in all of my required documentation by XX/XX/XXXX and have called the customer service department 3-4 times all saying it's still being processed. There is no way to escalate to the department that's holding up the title. My registration expires end of month and I need to get the lien holder off by then.
Product: Debt collection

I keep being harassed by a company named " Nelnet '' they also reposted this fraudulent debt on my credit report after it had been previously removed following a dispute which proved it to be fraudulent. 
This debt is a product of identity theft, I have already submitted a police report, an FTC report and two forms of identification ( my driver 's license & social security card ) According to the FCRA 605B a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ... 
I just want this nightmare to be over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. Transunion is reporting a XXXX account and XXXX is not I have attached XXXX Credit Report showing that the XXXX derogatory Account has been deleted. I demand that you delete that account.
Product: Vehicle loan or lease

I am aware that Santander Consumer is being sued and I wanted to file a complaint against this company due to their fraudulent practices. As a former customer I financed a XXXX XXXX XXXX XXXX and was affected by Santander practices. Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. As a result I was one of the many customers who was stuck with a very high interest rate and my vehicle was repossessed in XX/XX/XXXX. This company engaged in deceptive servicing practices and misled us consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Without any formal notification or opportunity for dispute, a {$5000.00} medical bill for my deceased son appeared on my credit reports as a collection account. Upon discovering this information on XX/XX/2018, I reached out to the original creditor, XXXX XXXX ( XXXX ). They indicated they would recall the account from the collection agency as there was a billing error. I contacted TH Professional & Medical Collections ( TH ) that same day and informed them that XXXX recalling the account. XXXX also contacted TH that same day to verify this information. I then followed up with TH again on XX/XX/2018 as the account was still reporting to my credit reports. I was assured that information had already been sent to the credit bureau ( s ) to completely remove the account from my credit report ( s ). 

I have credit monitoring with all three ( 3 ) bureaus and refresh my reports daily. As of the date of this complaint, this account remains on reports in error and is having a serious derogatory impact on my score ( s ) as it is the only collection account reported to any of the bureaus. I need this account removed ASAP so that my credit will be restored to its correct, positive, state.
Product: Student loan

I took student loans to attend XXXX XXXX, in which later I refinanced with XXXX because I could not afford monthy payments. XXXX has a law suit for fraudulent claims. I then refinanced again with XXXX because of high interest rates and now I do not qualify for any loan forgiveness which I was not aware, that I would be giving up so much help with student debt. I now have contract with XXXX, and make payments to Mohela, which is confusing. People who attended college, refinanced with XXXX received forgiveness and now I am with XXXX I don't get anything. Is there any hope for me?
Product: Debt collection

Pinnacle Credit Services ( XXXX XXXX XXXX, XXXX, MN XXXX ) mailed me a XXXX ( Cancellation of Debt ) stating that they are discharging a debt of {$5400.00}. They are collecting for XXXX from when I lived in Virginia over 12 years ago. The original debt of between $ XXXX {$200.00} was paid at that time. I have not even heard from the collection agency in ages. The amount of {$5400.00} is also ludicrous, and they know that I ca n't look in my records for proof that the bill was paid 12 years ago. I read online that Pinnacle Credit has a history of using fraudulent tactics like these to collect debts.
Product: Credit reporting

My report has a former address in XXXX, VA. I have never lived in Virginia anywhere.
Product: Money transfer, virtual currency, or money service

Zelle back did not have the disclosure on making sure it was the right person I was transferring money to. However they have updated it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am having A Problem With XXXX Credit Report Agency With Something About Chase Showing On My XXXX Consumer Report please help me with this problem Chase Bank Closed My Account Without My Permission And Wont Allow Me To Open Any New Accounts Because Of A Fraud Account From The Pass Showing On My XXXX   Report Please Help me with this
Product: Checking or savings account

Chase bank frozen my account and wont tell me why I can no access my money but they are still letting money in ACH. I have call the bank and went down there they instructed me to bring one account up from a overdrawn amount and they will open my accounts they instructed me it has to be cash so I did with the banker there he also heard the requirements I deposited money and they still would not open my accounts I still can not got a answer as of why and cant access my funds I have been banking there with no problems for 9 years
Product: Debt collection

This company has made calls to myself, my wife, my daughter, and coworkers about alleged debt. The company representative told coworker that a summons was being issued to my place of employment and I or a manager needed to be there. I called the number given to ask about the debt and to request that my employer nor anyone but myself be contacted regarding the debt and representative said their office doesnt make the calls and he had no way of stopping calls. I wish to request for them not to contact me but they will not give me a way to do so. They threaten serving me but will not honor request to stop contacting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint previously and experian did not investigate properly. XXXX is lying and experian does nothing to investigate this. The whole reason they cancelled this is due to their employee making an error so I received a debt cancellation letter from XXXX XXXX XXXX and I was advised they would remove the account from my credit report it was not completed. I previously supplied the debt cancellation notice but it was for the other borrower of the loan and experian didnt feel that was sufficient and they didnt ask me for one they supposedly went to XXXX  and they didnt supply it, when if you receive a 1099c notice for one then that technically goes for the whole loan but I am resubmitting this with the cancellation letter that was sent directly to me. XXXX XXXX should be removed from my credit report they even changed the balance to XXXX but the account should be removed. I will provide documentation where they advised the IRS of the debt cancellation for both holders.
Product: Debt collection

I received a debt collection from you for Paypal & the Reference # XXXX for {$55.00}. We have a pay pal card & Account which everything I owe goes on the paypal account & I have no idea what this charge is for & wonder why it wasn't submitted to my paypal account. I will pay it if I owe it but I have no Idea what it is for?? 

Reference # XXXX & Account # XXXX Please respond to XXXX with the information requested! 

Thank you, XXXX XXXX
Product: Debt collection

This dent was an act of fraud. This is the third of fourth company trying to collect a debt that I do not owe. 

This has been removed several times already. This is a fraud case.
Product: Credit card

on XX/XX/year> i closed XXXX credit cards due to monthly charges, aspire and verve. aspire closed my card as i asked. verve however did not close my account. a month later they stated i owed XXXX i had my mother give me a check for XXXX, verve cashed this check XX/XX/XXXX, XXXX i assumed my i was done as i paid the bill in full an then the XXXX a few months later in XXXX i recieved a bill from verve stating i was late on my payment. i called verve and stated i was recording the call, they did state i did close my account on XX/XX/XXXX, XXXX i asked why i was being charged and was now XXXX  days late. my XXXX XXXX went from XXXX to XXXX it took me XXXX years with XXXX missed payments.i did not miss any payments to verve. i closed my account in XXXX of last year, then payed the XXXX they stated i owed. i then called experian and filled a dispute with them, they responded my account was still open and all was good. experian did not even listen to me. my account should be closed as of XX/XX/XXXX XXXX my credit has now been tarnished. i made a XXXX report to experian, i also will make XXXX XXXX transunion an exifax. verve credit card company has stated to me on record my account is indeed closed, but told experian it is still open. i was XXXX  days late according to verve. i payed the XXXX that i did not owe, but i paid it anyhow to try to make this matter go away. i was also told by experian that i needed to make a report to the federal trade commision, which they directed me to this consumer financial prot bureau on my report the company is known as tbom, it is the only company i have a late charge on. again, i have recorded a conversation with verve saying my account was closed on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I tried setting up my new bank account that was going to have my future direct deposit taken from. They told me that they couldn't change my bank account information and suggested I do it online. I tried doing it online, but the website did not allow me to. When I called them back they refused to change my bank account information even though I told them it would over draft if I could not change it. I did this this XXXX days prior to the overdraft and I have not been able to change it since. They have now restricted me from doing online payments and I have documented proof that they have taken XXXX $ worth of overdrafts from my bank account. I've continuously asked them not to charge me for what I could not help. I asked them if they could even just waive the extra past due payments since it was not my fault that I couldn't pay. They have completely refused.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I sent {$5000.00} via WesternUnion to make a mortgage payment. When I called the mortgage servicer to give them the confirmation, they informed that they do not accept WesternUnion. The payee on behalf of the mortgage company is XXXX XXXX. A refund request was issued on XX/XX/XXXX. I have yet to receive it. I have called many, many, many times and I always get the same reply. Its under expedited investigation, please call back in 1-3 days. This mortgage payment was split into XXXX transactions. The first transaction for XXXX was already refunded.
Product: Credit reporting or other personal consumer reports

After researching they didn't correct the issue nor did they properly do the investigation as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian in previous complaint opened in XX/XX/19 ( # XXXX ) they wrote and I quote " Please note that a reinvestigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. '' It has already passed over 30 days and I have not received any replies for them .They are a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
Product: Debt collection

I had a bogus collection on all XXXX of my credit reports. I filed disputes with all XXXX credit bureaus by certified mail. 

XXXX is the sole credit reporting agency that still recognizes the debt. 
After multiple attempts at contacting them I have been forced to file this complaint. 

The collection showing on my XXXX account is from a company called I.C Systems.

I never did business with these people and I expressed that this was a case of fraud in my dispute. 

Also XXXX is incorrectly showing that 2 other accounts are late but closed and paid. 

The accounts can't be both late and closed. I paid off the accounts and closed them, however this is not reflected on XXXX. 

Thank you to whoever reads and investigates this matter. I really appreciate your time and attention.
Product: Student loan

I signed a contact with DocuPrep Xpress based out of XXXX CA to help reduce my student loan payments. Im having concerns about the company because I'm hearing that they are a scam. Im raising out to the company but no response from them. I have already paid {$190.00} a month since XXXX for their fee of {$990.00}. Now the monthly payments will be {$39.00} a month for the next ten years. Im asking for help to find out if the company is legal or illegal.
Product: Debt collection

Someone stole my identity and took a fraudulent loan in my name thru AVIO CREDIT on XXXX XX/XX/2022. I found out on XXXX XX/XX/2022. I pulled my credit report on XXXX XX/XX/2022 and confirmed a loan in the amount of {$3000.00}. I contacted AVIO CREDIT on XXXX XX/XX/2022 and they confirmed this loan was fraudulent and granted thru SPEEDY CASH. On XXXX XX/XX/2022 I received a past due notice for a Loan from the same company, AVIO CREDIT, this time for a loan with a different Loan Number. I contacted AVIO CRECIT Customer support, and they told me to contact AVIO CREDIT Fraud Department. I called AVIO CREDIT Fraud Department, and they were closed. I tried sending faxes to AVIO CREDIT Fraud Department and the AVIO CREDIT Past Due Account Help, but their fax numbers listed on their website are not working and out of service. It has been over 90 days since I resolved this issue with AVIO CREDIT, and they continue sending me past due bills and harassing me to pay a loan that is not mine.
Product: Debt collection

I received notice of a lawsuit from Cooling and Winter on XXXX XXXX, 2017 for an XXXX card balance {$920.00}. I contacted them and because I did not want to have this dragging out or have to go to court, I discussed with XXXX XXXX XXXX, a possible settlement. I contacted the gentleman within a day, indicating a family member would assist me but could only give us {$400.00}, we agreed on a settlement of {$500.00}. I never received a letter indicating same. A settlement letter was sent to me for the amount of {$650.00}. Every time I contact the office I get the run around. I was told the letter would be sent, it was never received. When I called back I was told it could be emailed and would be received by the end of the day. It was never received. I contacted the office again on several occassions and every time there was an excuse. I have been told it has been sent and I have been told it was not sent - all by the very same individual as he is the only person I have spoken to at the law firm. I have been told there is a backlog and I was also told because in my answer to the court I disputed the debt, it had to be cleared by the original debtor, XXXX XXXX and they could not send the settlement letter. I contacted XXXX XXXX and was told they could not provide any information. It appears they are deliberately preventing me from resolving this matter by giving inaccurate information. Thank you for your assistance. I do not know whether or not the amount in question is correct, but I do not want to be hassled by these dishonest people any longer. This firm is known for and has previously been sued by federal agencies for dishonest collection practices and now I am another victim. They have never provided any proof of contract in addition.
Product: Debt collection

Company calls and threatens me with charges of bank fraud. refuses to verify debt, never says this is an attempt to collect a debt. Says i owe XXXX for payday loan. I contacted XXXX corporate office, they say i do not owe them and this company trying to collect is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have XXXX credit card that I opened long time ago. At the time I had very hard situation to pay credit card on time and minimum due. This still shows on the record of my credit score and it is effecting alot. I want it to be removed.
Product: Money transfer, virtual currency, or money service

On XXXX I paid {$100.00} from my checking account to my PayPal card. It cleared my bank on XXXX. As of today, XXXX, PayPal still has my money pending. According to them, it should have posted on XXXX, then they changed it to XXXX! My money is still not available to me as of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.