23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

was this company and location that to my knowledge shouldn't have opened the account. It was stated by representatives at the CheckSmart location that the account shouldn't have been allowed to be opened because it was purposely misled. The representative that processed the account opened it with in accurate information. How is it that this was allowed to happen from the very beginning? This account was forced and the representative that opened was openly told that they it should have never been processed. It is your establishment that works with XXXX.
Product: Student loan

I applied to a XXXX school in XXXX XXXX. I finished my courses and walked at graduation XXXX XXXX was told our XXXX would be mailed to us in the following weeks. I called everyother week from XXXX XXXX til XXXX XXXX asking about my XXXX. was told its going out or was in the mail. called back XXXX XXXX and found out the school filled bankruptcy 3 times and closed. 
I never received my XXXX showing completion. contacted the state and was only sent my transcripts showing my hours. I am not able to take my XXXX test without my XXXX. im now stuck with a XXXX dollar loan that I cant afford since I have not been able to find work where I can afford child care for my children and repayment of this loan. I do n't qualify for the school closure because they considered me out of school at that point. I was never given the proper entry exam, I was not a XXXX and obtained my XXXX while attending classes. I did n't qualify under those circumstances either. I did the income based repayment. and apparently Great lakes my loan servicer put me on forbearance when I have always done unemployment deferment deferment but now my subsidized loan has {$480.00} in interest I was not made aware of. I feel extremely used and taken advantage of when I never took a dime of the governments money, I had to pay almost {$1000.00} out of pocket to cover what the loan would n't. or the fact that the school charged what they did when I had to buy everything myself. everytime I have contacted great lakes im basically told oh well nothing we can do. im not even offered a payment plan im just told this is what I pay and that 's it. most places you get options. 
The school I attended was the XXXX. And I know for a fact im not the only student in my class that did n't receive their certificates
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received a credit monitor alert from my monitoring service for Enhanced Recovery Collection original creditor is XXXX XXXX, With Date started as XXXX, I attempted to called them to stay on hold numerous of times nobody knows anything, I got someone to give me more information after requesting a manager or supervisor. I File a fraud claim with them they gave me number to XXXX i call unsuccessful but i have since file to online disputes of Fraud, They gave me the service address which i have never been affiliated with, nor even know anyone that is, 8 states over. Its a hassle to get XXXX on the phone 3 days i keep getting put on hold 1.5 hrs one day 46min next day, I just need this info off my Credit ASAP, I never received any Phone calls or Emails or Letters about this account, It just mysterious appears on my Credit Report one day. XXXX to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern ; Good day, I have an issue with your Organization constantly placing inaccurate information on my Consumer Report. I Found out about the latest inaccuracy TODAY XX/XX/2022. Due to this inaccuracy, my right to extend credit has been damaged to a great EXTENT! As a result, I was discriminated against and refused the A HOME LOAN! 
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

This organization has officially been put on NOTICE! Im letting you know that I never gave consent to this report being furnished by you on my behalf and Im also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected! 

There is no such law written anywhere that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Your organization neither exercised any of its responsibilities with fairness and impartiality nor PROTECTED MY RIGHT TO PRIVACY! 

I DEMAND you give me a piece of evidence that the information which is being reported has been properly investigated. Also provide me with the details of the system adopted by your organization to determine whether the transaction took place or not. 


letter attached has been Sent in the mail as well
Product: Mortgage

After my XXXX  XXXX discharge and motion to avoid liens a company unknown to me, and which did not participate in the XXXX  XXXX proceedings is claiming that I owe them money and has a lien on my home, in the form of a second mortgage. When asked to verify the debt the documents presented appear fabricated and do not match my original closing documents, further, there is no assignment and successor of interest in my home. I believe this is a bad debt or junk buyer scheme that is trying to extort money from me by placing an improper lient on my mortgage title blocking sales and refinancing opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been trying to get invalid reporting public record removed for over 6 months now ; was made aware of new public record law in which all three credit reporting agencies would be required to automatically remove all public records that were reporting and that has not happen for me. This was scheduled to take place on XXXX XXXX, 2017. State Tax Lien is still reporting incorrectly on today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled up my credit report and seen there are some accounts that are fradulent and do not belong to me. I'm in the middle of purchasing a home and this is holding up the process and need the fraudulent accounts removed from all credit bureaus. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX BANK XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, -XXXX XXXX # XXXX, -POSSIBLE FINANCIAL # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I received a collection call from Personify advising I am past due on my payment due XX/XX/2022. I made my XX/XX/2022 on XX/XX/2022. I have asked the company numerous times what warrants them the ability to make collection calls on a timely made payment, they could not advise it. I told them I have already made a complaint the attorney generals office on a prior collection call on a timely made payment and wanted to know what law allows them to start the collections process on a timely made payment, I was told they don't have that information. 

All I have been told is that if I make a timely payment 5 days or greater before my due date, it supposedly is considered an additional payment for the prior month. I was told if I want to make a payment 5 days or greater before my due date, I would need to call to reapply it to the loan. This is an unacceptable business practice, and it's against the law to start collection calls on a timely paid account.
Product: Debt collection

Debt collector, National Credit Management has been calling me multiple times a week when I asked for them not to call me. They have also called my boyfriend while he was at work when I asked them to remove his phone number. I found out today they called my parents cell phone. They are harassing me and now they are harassing my family.
Product: Credit reporting or other personal consumer reports

Based on my credit report XXXX, Bank of America, XXXX XXXX, XXXX is reporting inaccurately under the 15 U.S. Code 1681i all original creditors must report accurately, I have requested numerous of times proof t no proof has been submitted, also my information was used incorrectly. Also, some of the dates are not consistent on my credit report. Need a copy of original purchase agreement if not requesting that you delete in 15 days or less. 

Account # XXXX XXXX XXXX Bank of America # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB needs to hold credit bureaus responsible for unfair business practices. 

All three major credit bureaus engage in the same inefficient unfair business practices antiquated business practices. The government permits each of these companies to offer a myriad of complicated sophisticated unclear service is selling customer information to them while at the same time does not hold that the company is responsible for engaging in XXXX, XXXX  and Experian all engage in the same deceitful and unfair business practices and CFPB refuses to enforce. I have recordings with the organizations, but nowhere to send them. 

XXXX  has an hour long process for authenticating a person, and then they ask the same questions once they finally get in the phone. If there is an issue authenticating a person, they refuse to help, and have no backup procedures for authenticating someone. Even though I enter the correct Social Security number in their telephone system, I was asked questions about accounts which were not even mine. 

XXXX had a web page where one can log into 4 different sites. How is a customer supposed to know which one is best? Why does the company offer multiple avenues for submitting disputes each of which have different constraints. Its just confusing. I open disputes and I am constrained through their web application in major ways. For example it only looks the customer to provide details up to a certain number of characters, some arbitrarily low number of characters like 123 characters? Its ridiculous. I called and spent hours on the phone with them. They indicated I could update information about ongoing investigation by providing them documentation, but that was a lie ; they refused to provide a fax number. They refused to provide an email address. They indicate I could login and upload documents, but thats a lie too. The web application that they provide for disputing credit information forces the users into categories which do not address all Reasons for investigations. There are circumstances when companies There are circumstances when companies Our erroneously Reporting Information, and I have explicitly requested details about why or how the company holds its reported information to be valid. The company refuses to provide that information, and the credit bureaus refuse to require them to provide information. All they simply do is say the information is been validated. They dont send copies of the information that they sent to the company they dont provide copies of the information and the company sent back to them they simply hold that the information is been validated. They make a mess statements of fact in the phone calls such as were not required to investigate. 

You all need to hold these companies accountable.
Product: Prepaid card

Purchased {$200.00} prepaid debit card XX/XX/year> for {$200.00} Kept card in locked desk drawer. 
Went to use card on or about XX/XX/year> only to find card has no stored value. 
Called issuer. 
Issuer said someone had made use of my card funds earlier in the week of XX/XX/XXXX. 
Filed all paperwork required for replacement of card on same day I discovered the fraudulent use. 
Card issuer acknowledged they received ALL required information. 
A few days ago card issuer mailed me a new debit card ( ending in XXXX ) very much like the one that had been fraudulently emptied however in checking the balance I find that the card they sent me had no funds loaded on it. 
I am out {$200.00} and they have had a full month to do the right thing and provide a refund however they have chosen not to do so
Product: Checking or savings account

I received multiple balance transfer checks over the past months from Barclays Bank relating to my XXXX credit card ending XXXX. I used the check for XXXX, which was within the authorized amount on XX/XX/2021 to pay my XXXX account ending XXXX the check was returned resulting in me incurring a returned check fee of {$39.00}. A few days later another new set of transfer checks from Barclays. I called Barclays on XX/XX/2021 and spoke to a female Rep XXXX XXXX who reviewed my account. She then assured me I could use the checks without any issues of it being returned again. I trusted the information and tried to pay the XXXX again to pay my card using their check for $ XXXX on XX/XX/2021. Again, the check was returned, even after the assurances of the Barclays Rep. As a result there was another {$39.00} fee and an interest charge of {$120.00}. I have asked Barclays to reimburse me for these charges totaling {$200.00}. Followup conversations with XXXX, who transferred me to XXXX XXXX XX/XX/2021 who could not help me. Other Reps spoken to XXXX on XX/XX/2021, then with XXXX XXXX  Customer Care, who transferred me to XXXX a Supervisor/Manager on XX/XX/2021. Still no help. Even now Barclays is sending me new transfer checks monthly, but they are dupping consumers.
Product: Debt collection

I had a medical bill from 2015 that I have a paid receipt for from the doctor This had just now this month shown on my credit report and not sure why I contact the collection agency and they say " the did not report this '' I offered to show them the credit report and they keep putting on on hold and saying they can not help This account as per the attached was paid directly to the doctor and never should have been reported. It always is reporting a balance that was paid over 2 years ago XXXX XXXX
Product: Credit card

I don't know how this company or " sisterhood of companies '' got my address or opened credit card accounts in my name. I admit I don't always pay too much attention to bills and have been known to pay bills I don't owe just to get them out of my sight. But twice now, these " sister companies '' ( XXXX XXXX, and XXXXXXXX XXXX  ) have sent me bills for amounts greatly more than the amount of merchandise they say was ordered. 

I did not order anything at all from them and I did not receive anything. They don't answer me and continue to send bills that increase by {$49.00} each month, when the merchandise they are saying was ordered was less than that. The first time, it was referred to a bill collector, XXXX XXXX, and I talked to the agent, explained the situation and he agreed to deal with it. He did, and I received no more bills for about a year, I think it was. 

Then the same thing happened again, with " XXXXXXXX XXXX '' and I explained what happened when they called. This time, the agent not only refused to stop with the late fees until we could get it straightened out, but reinstated the other debt that had been written off! 

I don't like to be scammed, but it's tempting to just pay it to stop the harrassment. However, I don't think it's right, and if no one fights them they'll just keep on with this kind of thing. 

It is totally wrong to charge late fees that amount to more than the original merchandise, totally wrong to keep compounding them month after month, and totally wrong to harrass people who have not ordered or received merchandise for payment on these bogus accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally submitted a dispute letter to XXXX  dated XX/XX/2019, requesting validation for a collection from ARS and XXXX XXXX on my credit report. The letter was sent by certified mail/return receipt on XX/XX/2019, and delivered on XX/XX/2019, at XXXX XXXX. I NEVER received my dispute results! I only received a letter from XXXX directly dated XX/XX/2019, stating their client, XXXX XXXX XXXX, confirmed the outstanding balance without including any additional proof validating this debt belongs to me or that they own the debt. I followed up with another dispute dated XX/XX/2019, requesting XXXX XXXX method of verification for the two collections, ARS and XXXX XXXX, and a collection from XXXX XXXX, which I have disputed in the past. This letter was received by XXXX  on XX/XX/2019, at XXXX XXXX. XXXX responded with a letter dated XX/XX/2019, verifying the XXXX XXXX  collection as accurate, and another letter dated XX/XX/2019, stating they would not investigate the ARS and XXXX XXXX collections and FAILED to provide me once again with their method of verification procedures and validation of debt documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY.. DELETE XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Metro 2 compliance letters were mailed out to all 3 credit bureaus on all of these following dates. 
XXXX XXXX XXXX XXXX XXXX They seem to refuse investigating my accounts considering all the stall letters I've received.
Product: Debt collection

On XX/XX/XXXX, I sent a letter to Amcol Systems, stating the {$190.00} debt is not mine and of fraudulent activity. I did not receive a response from Amcol regarding the letter sent on XX/XX/XXXX. I sent a letter to XXXX, regarding Amcol Collection Agency, stating the debt is not mine and of fraudulent activity. XXXX sent a file back to me stating the debt was verified and no changes were made.
Product: Debt collection

On XX/XX/2021 I contacted consumer reporting bureaus asking for verification of alleged debts associated with my consumer files. I received a communication from a debt collector who wasn't given prior consent to contact me and who I've never spoke to or created any alleged debt with. The communication that was sent to me was validation of the alleged debt and not verification of the alleged debt as I requested. I have attached documentary evidence with this complaint along with the violations the debt collector committed.
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing severe financial and emotional distress. I became aware of fraudulent items on my credit report, indicating potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted written requests, and provided all necessary documentation to support the removal of the fraudulent entries. Regrettably, despite my ongoing efforts, the unauthorized items remain on my credit file, negatively impacting my creditworthiness. I request that you thoroughly review this information and take immediate action to rectify the situation. The continued presence of these fraudulent items on my credit report is not only affecting my ability to secure credit but also causing considerable stress and XXXX. As a consumer, I expected a more expedited and efficient response from your agency to correct these inaccuracies promptly. I urgently request that your agency conducts a thorough investigation into the matter, removes the fraudulent items from my credit file, and provides me with written confirmation of the corrections made. I am asking for your assistance to remove these fraudulent items in 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
Product: Mortgage

Due to a money transfer routing issue, Citizens Bank did not receive funds before the mortgage due date. Instead of calling or emailing me to simply correct the routing issue, they reported the delayed payment to the credit agencies. The issue on my end was immediately corrected when brought to my attention and has nothing to do with my ability to make the payment or my credit worthiness. That Citizens did not contact me is a violation of their own internal policies as confirmed by two of their call center representatives. My suspicion given the wait times for representatives ( in excess of 45 minutes ) is that this bank is understaffed making it unable to meet its internal and client-facing service level agreements. While that in itself would be fine in my case, it is unacceptable to also damage a client 's credit because of it. It took no time for this bank to report me to the credit agencies without contacting first, yet it is not promptly acting to correct the issue which is harming my reputation and ability to obtain credit. The call centers at this bank have been useless as they have not escalated this and continue to fail on their internal service level agreements and have still not been able to tell me why I never received a call.
Product: Credit card or prepaid card

On XXXX XXXX someone started making fraudulent charges on my card. They charged over {$30000.00} without the card company reporting any suspicious activity. All charges were made in XXXX and the XXXX. I've never been there. I was using the card in my home area of XXXX XXXX at the same time. How could I be in 2 places at once? This went on until I noticed something was wrong towards end of month of XX/XX/2022, called card company and cancled the card. The company told me in XX/XX/2022 that an investigation would be completed within 90 days and a copy of the report sent to me with their decision. I never received a report. They did clear all but {$790.00} and then began charging me interest and late fees. I have written them and called them and they have never answered my questions as what these charges are for and what their decision was with regard to my complaints. I've sent 3 letters and called numerous times. The last time I called they claimed that a response letter was on the way to me but almost a month later I have received nothing. I received my latest statement today and they are currently billing me {$840.00} but will offer no proof and answer no questions as to what these charges are for. I'm having difficulty finding a lawyer in my area to help me.