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

I bought this prepaid card at XXXX XXXX it's a NetSpend all access prepaid card I loaded {$500.00} on it went to activated it would not activate I called NetSpend they told me that they were going to use it to pay off a fraudulent account charge that was unauthorized and not mine they proceeded to not activate it they were very rude and then they took almost {$200.00} off of it and supposedly said they sent me a check for the remainder and I would band from NetSpend and could no longer use their services
Product: Bank account or service

I became a Wells Fargo customer in XXXX with, as far as I know at this time, XXXX checking account and XXXX savings account. After reading about the recent news about Wells Fargo I started to review my old statements. I believe starting in XXXX, I became a victim of fraudulent fees and possible unauthorized transfers as a result of their banking practices. I have full documentation of all account use since XXXX. I am attaching a statement from XXXX and XXXX XXXX as an example.
Product: Debt collection

Starting around XX/XX/XXXX, I receive a call every day around XXXX XXXX ( except maybe Sunday XXXX from phone number XXXX. I have not answered. Today, XX/XX/XXXX, I inadvertently called the number. I was trying to get the complete phone number so I could file this complaint. 

I heard a recorded voice that gave an amount owed, a notice of a convenience fee for collecting payment, and a website : sequium.com. There is no collection account information on my credit report, I've received nothing in the mail, and any collection debt in the past is paid and is at least twenty years old.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -This is not my account. I have no knowledge of this account. 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX  ; CPS XX/XX/.
Product: Credit reporting or other personal consumer reports

This is more than 7 years old. Originally, I never made any of these alleged charges. I went into a Nordstrom and paid for this at a register, took a picture of the receipt for my records. It was never reflected. 7 years ago i sent this to them and they advised that they closed the account. However, they put it on my credit report as closed and an amountdue. They had since Charged off the account and put it on my credit report. I asked that it be reflected correctly but it has never changed. I want this removed from my report as it is inaccurate ( for 1 i paid it, # 2 i never made these charges, 3 its been over 7 years, 4 they charged it off- it shouldnt show a balance due ). 
I finally thought fine i will just pay it. when i called Nordstrom they advised that there is No account there and I couldnt pay it as there is nothing to pay. 
I literally am being haunted by this.
Product: Debt collection

I XXXX XXXX do not owe this company any money. I do not have a contract signed. Im dispute this account before they try to place it on my credit report
Product: Checking or savings account

I was charged {$35.00} overdraft fees. Sometimes double, triple times. I have been a customer with Bank of America for 27 years and there was a period where this was happening for years. They always deducted to higher amount check so they could charge the fees on the lower amounts which ended up costing me a lot and I could never catch up. 

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

To Whom It May Concern : I have recently been informed that there are negative information reported by XXXX XXXX XXXX in the amount of {$XXXX} with status of charged-off, amount of {$XXXX} with charged off status, amount of {$XXXX} with charge off status, amount of {$XXXX} with charge off status, Avant INC with {$XXXX} balance with XXXX late status opened XXXX XXXX, XXXX, and XXXX XXXX XXXX with {$XXXX} balance with charge off status opened XXXX XXXX, XXXX on my credit file they maintained under my Social Security number. I sent XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX letters in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX asking to provided documented proof, bearing my wet signature, showing I consented to the inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I also asked XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX to provide me proof of the signed contract and copies of any documentation associated with this account, bearing my signature which they claim the account belongs to me. Furthermore, I formally asked XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX that In the absence of any such documentation bearing my signature, I formally request that the information be immediately deleted from my credit file they maintained under my Social Security number. XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX as of XXXX XXXX XXXX, still has not provided me with any documentation or contracts, bearing my wet signature, showing me proof that I consented to them running any inquires or having a contract with them for what they say belongs to me. I was told by XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX that they do n't have to show me any proof and that I heeded to take it up with the Credit bureau to get it removed. When requesting documented proof of the contract and asking to show proof I consented to having XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX run inquiries, bearing my wet signature, XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX sent me billing statement stating that this was verification I requested which is false and they said it was proof. I never asked for billing statement because that 's still not showing any contract or documented proof, bearing my wet signature, that they was authorized to run an inquiry or even prove the account is even mine. This is wrong and when I asked the question to where does it say in the FCRA that you do n't have to show me proof, they could n't tell me and only said that it was in FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX They were supposed to update credit bureaus as of XX/XX/XXXX info since my wifes been calling since XX/XX/XXXX as it is closed then open on both our credit reports and, I did threaten to sue them for the pain and suffering it has caused. It has been closed and opened since XX/XX/XXXX off and on. We originally told we would get a new acct number since we redid our loan. 

They are taking their time meanwhile harassing both of us by phone call after phone call. Spoke to a XXXX who claimed it to be Equifax at fault for reporting false information. That they submit information and, its up the credit bureaus to accurately report. 

My credit shows the account as being closed as she is the primary holder updated on XX/XX/XXXX on Equifax. The letter we received from XXXX shows it was closed with no balance as of XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Equifax is declining the request to block information for XXXX XXXX  survivors. XXXX  XXXX XXXX is an accredited XXXX authorized by the XXXX XXXX XXXX XXXX. I have attached the XXXX XXXX to this complaint. These victims and survivors are being deprived of an equitable resolution under the XXXX XXXX XXXX XXXX and XXXX is violating FCRA XXXX by delaying the process of blocking information within XXXX business days. 

XXXX XXXX requested by the survivors on their consumer reports submitted and authorized by XXXX XXXX XXXX XXXX XXXX within the allotted time of XXXX business days pursuant to the XXXX and FCRA XXXX. 

First, XXXX ( XXXX ) ( XXXX ) provides that a consumer reporting agency has XXXX business days from receipt of the consumer 's submission to block items of adverse information identified by the consumer or their representative from appearing in a consumer report.
Product: Student loan

Hi was told 3 weeks ago in XXXX 2017 that they would n't be able to put my loans on Forberence spike to another rep 2 weeks ago told me not true put my loans in Forberance only to find out they did n't bow there threatening me by letter that they will send me in collections and take my wages. Its been so confusing I feel ill over this its like the never ending loans. They try to send me application for repayment its confusing I do n't know who to trust anymore please this is making me so sick they send me letters almost every three days.
Product: Credit card or prepaid card

I have been on a hardship payment program with UBS bank credit cards. They ended my hardship program and are threatening me with attorneys even though I have continued to send payments as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few inquiries that I did not apply for from XXXX, XXXX XXXX , and XXXX. I did not apply for a personal loan nor these credit cards
Product: Debt collection

I received a total of XXXX phone calls from XXXX different phone numbers, all belonging to Navient Corporation, in the span of 10 minutes. The same happened to my co-signer. This is an attempt to collect a monthly payment toward my student loans. I am up to date on my payments, and made a total of {$700.00} worth of payments two weeks ago. It is the first of the month and the harassment begins again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX 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 Inquiry : XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX Collecons : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Collecons : XXXX XXXX JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a checking and savings account with Citibank since they kept emailing me promotions. I deposited two checks, one in the checking account and one in the savings account. Checks were drawn on my wifes account. On XX/XX/19 Citibank returned these deposited checks as altered/fictitious basted on the information they received from my wifes bank. I contacted citibank and explained to them that they were good checks and that the other bank made a mistake since they didnt update my wifes signature card when she changed her name to married name. Citibanks loss prevention asked that I submit a notarized letter from the other bank to prove it. I submitted that letter and Citibank even contacted my wife to confirm it. I called Citibank to find out if they will rescind their decision to close those account and was told they would based on the documents I submitted. I was told I just needed to deposit cash in both accounts and all holds would be removed. Today on XX/XX/19 Citibanks loss prevention told me my accounts were closed and the employee couldnt give me more information nor could they get a supervisor or manager to assist. Ive spent many hours on the phone trying to resolve it and was asked by them to make multiple trips to different banks to resolve it and it all ended up being a waste of time. I was lied to by loss prevention and essentially wasted a lot time for nothing. Different employees told me different things and promised a positive outcome which was all a lie. Now they refuse to talk to me and just say someone will call you within 24-48 hours. I did nothing wrong and submitted all documents Citibank asked for to clear me of any wrongdoing. They refuse to correct the problem and just avoid taking the time to correct it.
Product: Debt or credit management

I was told that debt settlement would take up to XXXX XXXX for my XXXX creditors. We are now at a XXXX mark since I started this credit settlement agreement and they have only settled XXXX of the XXXX creditors. I am now being asked for additional funds to settle the XXXX in a timely manner. They have continued to draw money from my account with the majority going to XXXX party fees and now are telling me that it will take significantly longer to settle the XXXX creditor. They have lied to me over and over again and are pocketing my money without having delivered what we agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I reviewed a copy of my credit report from transunion XXXX and XXXX after being informed that I was a victim of the XXXX  data breach I noticed some accounts that I have no knowledge of these accounts are a result of that data breach I request that the following accounts be removed from my consumer credit report immediately XXXX  # XXXX XXXX  XXXX  # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX  XXXX
Product: Debt collection

Key2recovery and XXXX XXXX XXXX say they own my debt. I started paying key2recovery then on XX/XX/XXXX I was mailed a letter from centeral portfolio stating I owed them the same debt. I started paying Key2recovery on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on thisXXXX & XXXX XXXX for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Student loan

I do n't feel like my monthly payment amount or interest rate is realistic. I have tried multiple times to lower my interest rate with no success. I have also tried to change my payment plan with Navient with no success. I went on forbearance last year without realizing that the interest was still accumulating.
Product: Student loan

I have tried several times to work with my lender on repayment options for years now. None of my efforts have been successful. I have proven to be a loyal customer by making almost all of my payments on time and in full over the passed five years, yet my principal balance has never been touched because my interest is so high. The majority of people I talk to are rude, condescending, and do not listen well. I feel as though there is no sympathy or flexibility in offering a strategic plan that I can afford. I have shown I am capable of making payments consistently as it is a priority I have set for myself, yet there is no help when I am in need of help. I call to negotiate and it is written off completely because it 's against their law. They have been bailed out yet they will not 'help ' out their customers in need. They have made rude comments like, " Well, ask Daddy to pay since he 's your cosigner, '' or " If we cut you some slack then we would have to help everyone and would have lawsuits for days ''. I do not appreciate being talked to like I am a criminal, 'less than ', or stupid. They may train their employees to be rude and harsh in situations where people can not pay their monthly amount, but I am person and their customer and deserve to be treated better. Part of the reason big banks were bailed out is because they handed out XXXX dollars in loans with astronomically high interest rates to ignorant, uneducated XXXX students. Now, some of these people are graduated, XXXX dollars in debt, and are putting forth effort to try to pay down these loans, yet no private lender is willing to help.
Product: Bank account or service

I am one of the many affected by the RushCard fiasco. Today is the XX/XX/2015. My card is still being declined. I spent XXXX hrs on hold today. I have received txt saying my funds are on my old expired card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX XXXXXXXX attempted to charge me almost be double for the XXXX XXXX XXXX I received. I only used {$600.00} on the card, but they ballooned the charges to {$1500.00} in XX/XX/XXXX, so instead of paying, I called to ask where did the other charges come from. In XX/XX/XXXX, I started back paying, but by XX/XX/XXXX, I noticed they did not take the other unauthorized charges off, so I stopped paying and ask them to settle this in court. 

Since XXXX they have reported this to Trans Union, XXXX, XXXX as a charge off. 
However when I tried to pay the actual amount owed on several different occasions by calling XXXX XXXX XXXX, they refused and stated the account was in collection. 
I called the collection agency, they said they sent it back to XXXX XXXX XXXX. 
XXXX XXXX XXXX stated there was nothing they can do, not even accept my payments of the actual amount owed instead of the bogus inflated charges trans Union, XXXX, and XXXX have been putting this on my credit report without my permission, even after several letters detailing the issue. 



In accordance with the fair credit reporting act, the above mentioned creditor & credit bureau agency has violated my rights.

Under 15 USC 1681 section 602 States that I have the right to privacy.

Under 15 USC 1681 section 604 ( a ) section 2 also States a consumer reporting agency can NOT furnish an account without my written instructions Under 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to inform that i was never provided a copy of the privacy notice that XXXX, Experian and XXXX are required to provide to me under XXXX XXXX XXXX before they disclose any nonpublic personal information about me to any nonaffiliated third party. 

I am also writing to exercise my right to opt out of any such disclosure under XXXX CFR XXXX ( a ). I do not want the credit agecies to share any nonpublic personal information about me with any nonaffiliated third party, unless it is permitted by the exceptions in XXXX, XXXX, and XXXX. 

Furthermore, according to the Privacy Act of 1974 ( XXXX XXXX XXXX XXXX ) the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph. This includes consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX XXXX debt collection agency reporting on my XXXX, Equifax, and XXXX credit reports. This information that is reported is inaccurate and against the contract that the original creditor signed. The original creditor XXXX XXXX XXXX made me sign a form to relieve me under any responsibilities on the lease being broken because I was just a property manager for a company that I worked for XXXX XXXX and the financial responsibility of the lease was on XXXX XXXX and XXXX XXXX. XXXX XXXX agreed and signed off on the responsibility to be on him and XXXX XXXX. I was only put on the lease to be able to hold a set of keys for them both since they were always out of town. The paperwork that I have attached legally says that XXXX XXXXXXXX XXXX name is removed from this lease so it should not be reporting on my credit reports with Equifax, XXXX, and XXXX. The credit bureaus keep ignoring my requests and have not formally validated the debt because I have sent this information off before. I demand that this collection agency stop its collection efforts for reporting unfair and inaccurate information. Also, my name is XXXX XXXX ( Proof of ID Attached ) This situation that this creditor did not tell the truth about has been an invasion of privacy and a defamation of character to furnish incorrect information without my permission. Especially when I am not responsible for this debt. I have not been able to rent a new home. Please delete it immediately so I do not have to ensure legal action.