23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Services were cancelled ( formal cancellation XX/XX/XXXX ) with a company ( XXXX ) that came out of bankruptcy in middle XXXX, but continued to bill on discontinued services. XXXX elected to pass off charges for services not provided to an collections attorney, Brennan & Clark | Commercial Collections Agencies. Brenan and Clarke did not introduce their association with XXXX ( first voicemail received XX/XX/XXXX ), just said I owed money. I thought they were scammers because they never said what it was about?. It took a awhile for them to actually affiliate themselves that they are coin collectors and such for XXXX. 

It was frustrating that Brenan and Clarke never explained their cause or intent and I just owed money ; and when I pursed explanation they waffled in any explanation that made no sense. 

Since, I've paid XXXX what they charged me for services they never provided, but I am down the road. Unfortunately, Brenan and Clarke appeared as usual hackers saying I owed money. Seriously, Brenan and Clarke could have easily created a method communication that was different than " hey you send me a check ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report is incorrect and not belong to mine. The credit report office not willing to resolve or remove the issue out of my credit report. If the office need the lawyer to inform. What the cost fee will be responsible by the credit office thank you
Product: Debt collection

The apartments management changed and ownership changed several times. 
They would send out letters stating this. 
This caused a lot of missed communication. 

We then spoke with a lady name XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who worked in the business office. We did a mutual Agreement. Because of the inconsistency with fixing things and not being able to tell us what the xtra fees on our rent bill was. 
No eviction was filed. 
We also have a letter stating the balance we owe. It says XXXX. 

We reached out to the apartments for several months, they told us its in collection We then reach out to the collection agency. 
The balance on my credit profile was XXXX I called and spoke and asked for a payment plan. They said no. Pay in full. 

Then about 2 days later the amount went up to XXXX they added XXXX. 

We called again asked why did the amount get raised? After the phone call. They raised the balance to XXXX dollars.. 

My lawyer has reached out numberous times. 
No response.. 

This is ruining my life. Ive had to stay with family, not able to get a place of my own. I have two small children. I want to pay this off. But only the official amount.
Product: Credit reporting or other personal consumer reports

I was a victim of identity fraud resluting in XXXX inquiries & XXXX vehicle loan on my report. I have called 6 tines and have made over XXXX disputes to all XXXX inquires ( very time consuming ) and each time i have received my results that report back that they dont see the harm in the inquires and that ive authorized them despite having letters from the credit union which the fraudulent account was opened. I have mailed in my documents with proof of tracking twice and yet still no movement by equifax. This has to end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XXXX/XXXX/2023 as listed on my most recently reviewed consumer report, there are fraudulent accounts listed. TransUnion have been reporting false and misleading information on my consumer report for the past year. Please review these accounts listed in the attached report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts and Inquiries Appearing On Credit Report. 

XXXX. XXXXXXXX XXXX  {$710.00} XXXX. XXXX XXXX {$720.00} XXXX. XXXX XXXX {$270.00} XXXX. XXXX XXXX {$720.00} Inquiries XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX
Product: Student loan

First and foremost, let me start by saying I was XXXX XXXX XXXX XXXX XXXX XXXX from XXXX until XXXX after retiring. I was in a student loan paying period with XXXX. I was told numerous times that my student loans would be forgiven but that never happened. As time went on and my payments were being made, I was put into forbearance several times due to unmanageable amounts. Eventually XXXX had a class action lawsuit applied to their corrupt business and I was told that my student loans would be transferred to another student loan company. During my employment with the XXXX I believe that my payments should have been counted for the 10 years to satisfy forgiveness. I ended up with another loan company by the name of Mohela. When I was affiliated with Mohela I was told they didn't have any information regarding my PSLF and that I needed to submit the form. I can not understand as to why my information was lost by XXXX. I then submitted the proper form so that Mohela could use, and they told me that they never received it. While mohela does have something to indicate my PSLF I believe that they have not been transparent to my situation and that I am now put into a category where I have to start from the bottom for the 120 payments and the 10 years of XXXX XXXX My dates of employment with the XXXX should qualify me for the 10 years of continuous government employment. I have just now today been transferred once again now to Federal Student Aid which is now a third place for my payments to go to.
Product: Credit reporting or other personal consumer reports

I've contacted all companies and have been constantly ignored about this ongoing fraud activity that's being reported on my credit report. The following items are not mines and I request that Equifax, XXXX XXXX XXXX XXXX XXXX XXXX remove immediately. 


The following items are fraudgalent and unauthorized. 


Equifax Creditor XXXX XXXX inquiry date XX/XX/2023 Equifax Creditor XXXX XXXX XXXX inquiry date XX/XX/2023
Product: Debt collection

I was alerted today that I have an account with Consumer Adjustment Co. that is supposedly owed. I have never heard of this company in my life. Secondly, this company has never contacted me. They just parked an account without even given me the opportunity to dispute this debt. i have not received any correspondence from this firm at all. Usually by law you are given 30 days to dispute or challenge any debt you are owed. I was not afforded that by law. 

Please cease and desist all collections to include reporting to any credit reporting agencies that you report to. Please provide any documentation where I have contracted or signed any agreement to do business with your firm. 

Provide me with those documents where you claim I owe you any monies including a copy of documents which prove that you purchased or assumed any debt owed by me. 

In addition, I am formally requesting the documents where it shows you are license to collect debt in the state of texas and that license number. 

To place a debt with any notification is a violation of the Fair Credit Act and I am requesting that you both verify and validate such claim you have against me..
Product: Credit card or prepaid card

Capital One credit card number XXXX on XXXX, XXXX and XXXX I made three separates online payments of {$3000.00} each using my business ' bank account XXXX XXXX XXXX XXXX XXXX Capital One chose to credit only two payment XXXX and XXXX XX/XX/XXXX, avoiding credited the payment made on XX/XX/XXXX I have addressed this issue directly to Capital One in several occasions and they continue the abuse. I have filed two complaints with CFPB and Capital One have made fun of it. 
Capital One answer is that XX/XX/XXXX and XX/XX/XXXX, credit was made for the payment and choose to ignore the payment dated XX/XX/XXXX. 
Since then, I have made interest payment, as my {$3000.00} was not credited. 
I am attaching as evidence a copy of Electronic Fund Transfer Report from XX/XX/XXXX, to XX/XX/XXXX from XXXX XXXXXXXX XXXX 
I am requesting CFPB to open an investigation and sanction Capital One for abuse of client. 
I am requesting that Capital One credit my account with the {$3000.00} payment that I made on XX/XX/XXXX and reimbursement me for the interest payment they made doing the client abuse.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX  Former : XXXX XXXX XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Collection/Charge Off XXXX XXXX  XXXX XX/XX/XXXX {$28000.00} Late Payment XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiries XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NOT INCLUDED TO THE DISPUTE XXXX XXXX XX/XX/XXXX XXXX - Tied to an open account ( Auto Loan )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX XXXX account a number of times. The account is more than 7 years old, it has been reported as a closed account more than twice, they vehicle was repossessed and sold by the company 5 years ago, the company has reported the amount of the debt incorrectly more than once, they have included people on the account who have nothing to do with the account. No matter how I dispute the account Equifax just sends back a notation that the account has been updated. And trying to reach a human being at Equifax is impossible. Their automated telephone service constantly malfunctions and hangs up. 

They are currently showing the account as 180 dayspast due because Equifax infairly allowed them to report this loan as a brand new item after having been previously closed. This now shows as if the loan just began in XX/XX/XXXX, which gives them a new 7 years to report it. 

How in the world am I supposed to have any kind of protection if this company can change the account status from open to closed and back whenever they like? - According to Equifax after 6 years of reporting the account the company was allowed to start the account over as a brand new account within the last 6 months. - If the company is allowed to change the reporting of the account whenever they like and are never held accountable they can keep this account on my report for the rest of my life! 

After repossessing the car in XX/XX/XXXX and selling it for more than the balance of the loan they continue to report the account as if I have possession of the car. It doesn't make any sense to have credit reporting procedures in place if the reporting company does not have to follow them. 

I learned XXXX is a foreign lending company after all the crazy reporting began. They are somehow able to know whenever mt credit report improves and allowed to enter more false and misleading information onto my credit report. Thi one company has been allowed to hurt my credit report continuously for over 4 years after they repossessed and sold the car the loan involves.
Product: Credit card

I am not sure why my complaint XXXX was closed, but this complaint is valid! My direct deposit checking account ends in XXXX and I have 3 credit cards with CITI XXXX, XXXX and XXXX. 

For the past 3 months, I have been calling CITI REWARDS to have an account that has never been activated or used on my profile REMOVED ending in XXXX. Everytime I do a direct deposit of my rewards points, this account XXXX shows up as a choice to send funds to which is not valid. I spoke to a " XXXX '' named XXXX on XX/XX/2023 XXXX who stated they would submit an IT ticket to have it removed as they are not able to. When my billing cycle ended, it was still there. On XX/XX/2023 XXXX I spoke to someone named " XXXX XXXX who stated they found this " XXXX XXXX and that he would call me back with the status of the ticket that same Friday. No one called me back. On XX/XX/2023 at XXXX. I spoke to this rude unprofessional supervisor named " XXXX '' who was patronizing and mocking stating she could submit a complaint for me, but probably no one would call me back and that she saw no XXXX case. I said so submit a new one. She said they have no IT department. That I would have to remove this myself on the website. I stated this account is not even on my main profile page so they had to remove it on their end. I am tired of getting the runaround. My REWARDS account is XXXX. My name is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX. Billing : XXXX XXXX XXXX, XXXX, Wi XXXX. XXXXXXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, Equifax, XXXX, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR Equifax 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted. 

FOR XXXX  1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. XXXX XXXX XXXX XXXX Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted.

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

FOR XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Credit card

A fraudulent account was opened with Chime and credit card was requested by thief. I got email notification of this act. I immediately called Chime and had them close my account. They confirmed that my account was fraudulently created using my identity and they have closed my account. 
However, on XX/XX/XXXX I received another email that a credit card was issued under my name and address needs to be updated. I have set up a fraud alert and frozen unathourized access to my credit. Yet this account was opened again. So it could be that Chime did not close my account and the third if still trying to access it. Chime has very lax security measures and seemingly makes opening of accounts without any authentication. This is dangerous for the consumers especially who have been a target of identity theft. Chime needs to be held accountable.
Product: Student loan

Navient ( a.k.a. - XXXX XXXX ) has been nothing but trouble from the beginning. I have repeatedly told them that I live on very meager Social Security XXXX Income ( for my XXXX XXXX ) - which is a Fixed Income, but they rarely honored our agreements unless I was able to get a lawyer ( or someone else ) to help me reason with them, as it is like talking to the wall. I have told them a number of times over the years that I can't afford a repayment plan of more than {$60.00}, but they have set their current online platform on their website to the point where they're trying to force me to pay more than {$100.00} - an amount I have repeatedly told them I can't afford. A few years ago, one of their representatives tricked me into paying an amount I couldn't afford then, when I had no money in the account, by lying about when the money was going to be processed ( after he had manipulated me into giving out the details of my debit card ) and resulting in a {$100.00} overdraft in my bank account. Navient doesn't seem to care that people ( like myself ) who live in poverty level need money for food and other things - I can't even afford a car, and they threatened to " seize my assets '' at one point, when I don't even have anything for them to take. I always have to fill out their Income-Based Repayment Plan every year, but it is not being honored for the most part - I told one of their agents about a week ago that I can't afford more than {$70.00} at this time, and the impression I got was that the amount was NOT going to be raised. Now I can't even pay the amount we verbally agreed to that time - they made the system try to force me to pay {$140.00} just now, tackling Late Fees into it as well. I have repeatedly told them that I can only pay a certain amount, which is NOT {$100.00} or more ( as is evidenced by the enclosed letter I wrote to them, the facts of which I have repeatedly told them over the years, but which never seems to get honored ), but now they've set up their system to not allow me to manually enter in the amount I CAN pay. Plus, one of their agents has the habit of harassing me on the phone every 10 minutes ( also evidenced by one of the enclosed letters with this complaint ), after they agreed not to do such a thing - and after I put my phone number on the Do Not Call List. She has harassed/threatened me on the phone repeatedly, and when I try to call back, doesn't listen to anything I say. Make Navient honor their agreement and stop threatening their borrowers - I am one of the few that is able/willing to pay what I can every month, but it seems like every time I try to do that, they make it impossible to do so. I am currently an XXXX XXXX and have just recently found out that I'm supposed to be eligible for " Student Loan Forgiveness, '' based on my year of service, but when I called to tell Navient that, they didn't listen and continued to make unreasonable demands. I demand that they be held accountable for the hours and amounts of suffering they're causing their consumers, especially with their " Bait and Switch '' methods on the loans.
Product: Debt collection

I started receiving a call from a company by the name of National Credit Adjusters. They kept asking me for my DOB and social. I would not give it them as I did not know if it was a scam. They would not tell me what the matter was about. They continued to call me and we went through the same thing over and over again. I finally had an attorney speak with them on my behalf when they called again. My attorney specifically told them that she was representing me and asked that they speak with her. They still refused to provide information. She specifically asked them to send her something to her email or address. They refused to send her anything. Rather, they said they would mail a letter to me and it would come in a blank white envelope. I never received a letter. 

This morning, I was notified by XXXX that this company has now placed some account on collections on my credit report without even discussing with me or my lawyer. I have not debt whatsoever that could even possibly be in collection - I used to have old debts but they were all XXXX in my bankruptcy in XXXX. Since that time, I have not accrued any debt. Whatever account they supposedly have can not possibly be mine. In fact, I just ran my credit report just a couple weeks ago and there were no outstanding debts showing. 

Had this company worked with my lawyer as I asked, possibly the matter could have been resolved. Now my credit is at risk. I would think this is fraudulent debt collection practices. They refused to speak with me an refused to send my lawyer information at her request. She even gave them her state bar number. 

My attorney called and spoke to XXXX XXXX this morning and asked to speak to the legal department. She asked for their direct legal department. The only address they would give her was the main address. She asked for an email to the legal department and they would not give her XXXX. They only provided an email to the general mailbox. She specifically asked for a phone number and he gave her an extension. She specifically asked if that was the direct number to the legal department. She specifically asked that if she called that number, if she would reach an attorney and was told yet. She was lied to because when she called the extension, it was only the general customer service department again. She was transferred somewhere and got a voice mail and left a message but XXXX has called her back. She tried back and spoke to someone by the name of XXXX XXXX from the " pre-legal ' department? She finally told my attorney what this was about and sure enough, the debt is a fraudulent debt that occurred in XX/XX/XXXX that we had previously spoken to XXXX about. We will have to deal with the indentity theft issue again but when my attorney brought up the issue of the way the issue was handled and asked to speak to someone in the XXXX department, the company would not give her the phone number. I do not even know if this company has a legal department.
Product: Credit reporting or other personal consumer reports

Agency are providing false information changing accounts and not adjusting credit score. Letters are not being responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there were still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX  XXXX Account # XXXX which is a revolving credit card account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX XXXX XXXX on XX/XX/2021 and Equifax XX/XX/2021 XXXX also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX  Account # XXXX 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. it also states a consumer reporting agency can not furnish a account without my written instructions