23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I had earned a visa rewards card from a credit card I have. The rewards card was issued for {$50.00}. When I called to activate the card, they advised that the cards value was now {$47.00}. I tried to used the card at a restaurant and it was denied. I contacted the credit card who issued the visa rewards card and they had no clue as to why it was denied. I then was shopping and decided to try using the card again. The first time it was swiped, it came back declined. The salesperson tried swiping again and it indicated that I had {$42.00} on the card. We did go ahead and use the card. For a {$50.00} reward I was 'shorted ' {$7.00}. ( I was going contact visa regarding the first denial, however, when I called the number, I was advised there would be a fee for talking to them - needless to say, I immediately hung up rather than further decrease the card value. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts to get this issue resolved. The credit bureaus have an obligation to report complete, accurate, and validated information. Experian and XXXX have failed to remove an incomplete unvalidated bankruptcy that is reporting on my credit file. It is damaging my credit. When filing bankruptcy it must be an amount you are filing bankruptcy for? The date filed should not be 2 different dates. XXXX is not reporting this bankruptcy but Experian and XXXX continue to report this incomplete invalid negative item. I have submitted several documents with proof in black and white and they have been disregarded. THE BANKRUPTCY NAME DOESNT INCLUDE THE CITY AND STATE WHERE THE PUBLIC RECORD WAS INITIATED. DATE Bankruptcy was FILED/REPORTED FOR PUBLIC RECORD INCONSISTENT. See attach copy of credit report with the reporting status.
Product: Credit reporting or other personal consumer reports

XXXX is violating my consumer rights. They are fraudulently letting HNBHSC, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on XXXX for failure to investigate as I'm a federally protected consumer. I will also be reporting both XXXX and HNBHSC to the IRS filling out form XXXX A information referral for unreported income since XXXX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and Better Business Bureau. I attached proof that HNBHSC isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX  because I haven't been able to sleep at night due to the financial and emotional harm these XXXX companies have caused. I know that HNBHSC pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain.
Product: Checking or savings account

Wells Fargo changed my address without asking permission or notifying me of the change. I can be immediately notified when I make a transfer yet, somehow when they change my address the only notification is via USPS in 7-10 days?? When I needed to use my card in an urgent situation, it was denied six times  because it said I did not know my own zip code. How humiliating. Then after I raised a stink, they froze my card and said I needed to drive to a branch ( over 40 miles ) to show ID. Do I have any privacy rights? Oh the irony of having to provide my billing address ... ... let me see, shall I use mine or the one the bank gave me?
Product: Debt collection

In my credit report I see a collection of {$230.00} from PARAGON REVENUE GROUP, XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX. 

Original Creditor - XXXX XXXX XXXX UNIVERSITY This debt is not mine. I never received or authorize any medical service from XXXX XXXX XXXX UNIVERSITY in 2013.
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Complaints XXXX Consumer Financial Protection Bureau PayPal Headquarters XXXX via website XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : XX/XX/XXXX statement from XXXX I received the attached creditor demand dated XX/XX/XXXX just after the XXXX. I was surprised as this was the first time I became aware of an outstanding matter with Pay Pal. I have not used Pay Pal in years, and when I joined my use was infrequent. I do not even know my log in credentials. If I owe money for some reason I would appreciate the details. To have revert to a collection agency was unfair and slanderous tactics. 

Kindly provide detail for this matter so we all can arrive at proper satisfaction. 



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

Transunion readded more than 20 inquiries to my credit report that were previously deleted from my credit report. These new credit inquiries are not the result of new credit applications and are just inquiries that have been previously deleted. There are also multiple inquiries from the same companies and dates despite me only applying for credit with those companies once. When I called, the representative told me that there was nothing they could do about the inquiries.
Product: Credit card or prepaid card

I applied for a Bank of America Credit Card in late XXXX. After receiving conflicting information from customer service representatives on required information I contacted a customer service representative on XX/XX/XXXX. After speaking with a customer service representative for sometime at noon CST, I was shocked by what she said. At the end of the conversation she stated, " oh my XXXX- just don't apply. '' I've never received such poor customer service from a bank before. Nor have I had a customer service representative instruct me to not use their product. My belief was that everyone is invited to apply for all products.
Product: Debt collection

Medical bills that should be paid my medical insurance. Also all deductibles have been paid.
Product: Credit reporting or other personal consumer reports

There is a charge off from XXXX XXXXXXXX that is XXXX years old. I have already wrote them a letter to take it off. They did nothing that car was stolen and due to my insurance being new they tried to use every excuse not to pay it off and they kept the car. I want that taken off my credit report. also there's a bunch of hard pulls that brought my credit score way down. Like XXXX for credit one I never applied for that credit card I want those taken off and my score back where it was.
Product: Debt collection

I moved out of an Apt . complex back in XX/XX/XXXX. I left a forwarding address with the company to contact me if needed. I just received a Notice of Debt in XX/XX/XXXX regarding monies supposedly owed, without a detailed explanation of why they money is/was owed. This has now affected my credit score. I was not given the option of making payment arrangements.
Product: Debt collection

I checked my credit report and found a collections agency : Eastern Account System charge of {$550.00}. The original creditor is listed as XXXX XXXX XXXX. 

Eastern Account System did not provide written notification of debt or EVER contacted me about this debt or gave me the right to dispute this debt.

The law : Within five days of initially contacting you, the collector must send written notice of the debt and include : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt
Product: Debt collection

I received a letter fro m Fay Servicing with a foreclosure filing 2 days before the foreclosure case was granted and closed and the foreclosure was filed by a different mortgage company. Prior to the day of me receiving the letter I had not been contacted by or even heard of Fay Servicing.   XXXX   XXXX  , 2017 a letter was left at my residence on the door sweep, from someone from Fays Servicing, not via a delivery service such as US mail or anyone from a legal affiliate. Fay Servicing has reported a {$60000.00} balance for a mortgage on my credit report showing 90 days past due and has caused my credit score to severely decrease. The property that was into foreclosure balance was not even close to {$60000.00}. Please investigate this company for they have committed fraudulent activity.
Product: Debt collection

Asset Acceptance , LLC has filed a lien for a debt amount that has been paid through payroll deductions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have hard inquiries that need to be off my credit reports. This is getting ridiculous that I have sent multiple letters. These are old inquiries, please take them off my credit reports. It is making my credit look bad as I'm trying to purchase a home. They should be off by XX/XX/2022, that is XXXX years old. NOT XX/XX/2022. They were also not suppose to even be on my credit report as XXXX XXXX XXXX submitted all these car dealerships/banks without my consent. This is against the law. All I want are these hard inquiries to be deleted like they are suppose to be. I am begging you to have someone delete them! PLEASE.
Product: Student loan

Ive tried contacting MOHELA on several occasions to discuss forbearance/defferment. Ive waited on hold for hours and also sent messages through their secure message system. My account is now past due and XXXX afraid this will start to hurt my credit as well as create a bigger financial burden down the line. I initially contacted MOHELA in XXXX and to date have not heard anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts that do not belong to me. I already complained about this to the credit bureaus but I have not gotten a response from any of them. I would like these 2 accounts taken off my credit report. 

A XXXX XXXX XXXX account that I've never had. There isn't even an account number listed. This account was opened in 2008, over 7 years ago. There is a balance of {$3200.00} listed as a charge-off. Not only does this NOT belong to me, but it is too old to be reporting on my credit. 

XXXX XXXX is reporting a charged off account in the amount of {$550.00}. This is account does not belong to me. I have never had an account with XXXX XXXX. I am requesting that this account be removed from my credit report.
Product: Debt collection

absolute resolution called me to collect a debt the person on the phone told me they was a lawyer and they gave a description of the things I owned and how much money I made I am retired they threatened to take me to court and take all my possession I tried to negotiate a resolution they told me i have to pay the full amount i believe this company in a law firm
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXXXXXXBalance : {$800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX Balance : {$500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$370.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXXBankruptcy Date Filed/Reported : XX/XX/XXXX Reference # 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

We lost our home due to foreclosure in XXXX with issues that started in XXXX. I recently learned about the lawsuit filed against OCWEN mortgage company and some of those reasons align with the reason we lost our home to foreclosure. 
OCWEN was misleading and dishonest about our interest rate, deceitful about foreclosure alternatives and improperly denied us loan modifications, charging unauthorized fees for default-related services all of which resulted in foreclosure. We were not treated fairly or given proper information. They put no effort into helping us keep our home, therefore we felt forced to choose foreclosure.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Student loan

Hello, I sent my payment in to Navient which was received on XXXX XXXX, 2017. I sent a letter with the payment, as I do every month, and specified which four loans were to be paid with the payment and stated that under no circumstances was any amount to be applied to any other loans. Instead, Navient applied the payment to five loans which are in default. This is in clear violation of my instructions and is also a blatant attempt to restart the clock on the statute of limitations for the five defaulted loans. This is illegal and fraudulent.
Product: Credit reporting or other personal consumer reports

I already filed a police report, I have things on my credit report that is not mine. Where can I send my police report
Product: Debt collection

XXXX XXXX XXXX I have disputed this debt with this company on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 
The company has not provided and written details about ownership of this debt and provide me with the following : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in ( Your State ) has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. 


As of XXXX this debt is owned/sold to XXXX XXXX XXXX 

Please assist with having this debt removed from my credit reports, which includes XXXX, and XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset at XXXX XXXX and Deville Asset Management right now. I began disputing an account on my credit report in XXXX since I knew the account was well over 7 years. Not only did I not get a timely investigation, I had to file a complaint just to get the credit bureaus to do an investigation. I finally received written results from XXXX XXXX dated XX/XX/2020 which was 2 1/2 months after I submitted my initial dispute. 

I was shocked to see the account was verified as accurate by XXXX XXXX. When I received this notice from XXXX XXXX stating as such, I called XXXX XXXX XXXX to figure out what kind of information they had which showed this was indeed an accurate account. I called the number provided in the investigation results by XXXX XXXX for Deville Asset Management. The individual who answered the phone was named XXXX XXXX XXXX and said his company 's name was XXXX. He also stated they are a non credit reporting entity and they assigned an account which had my info to XXXX   XXXX. After I asked for some clarification as to why Deville Asset Management is on my credit report and was just verified days ago with this number XXXX stated again that XXXX  is a non credit reporting entity. He even said it was his understanding Deville Asset Management was out of business. 

After hearing everything from XXXX and being told Velocity purchased the account in question and assigned it to XXXX, I called XXXX XXXX with an advocate. XXXX XXXX wanted us to mail in a power of attorney before they spoke with my advocate but I wasn't going to do that considering how many months it has taken for them to even conclude an investigation which I know was fraudulent. How can XXXX XXXX verify a Deville Asset Management collection when Deville Asset Management doesn't even exist anymore. Even  if XXXX  purchased this account from Deville Asset Management,  XXXX claimed they are a non-reporting entity so again I ask how could XXXX XXXX have verified this account? 

I don't know what XXXX XXXX did or didn't do but I want this account deleted from my credit report once and for all. XXXX XXXX took 2 1/2 months to conclude an investigation and they clearly didn't do a  real investigation since it is impossible they verified something with a company that does not exist. By the way, now that I think about it, I haven't received a response from XXXX either. I did from XXXX. I want to add XXXX to this complaint as well.
Product: Student loan

I had been on-line looking for a way to get student loan relief. Found a website and phone number for Student Loan Relief Department. I called the phone number because I thought it was a good idea, and I would get my student loans forgiven. 
I talked to a young gentleman, who seemed very friendly and knowledgeable about the 'process, ' gave out a bunch of personal information, including my XXXX ID. I was told I was approved and was sent to a third-party group to get set up on payments. After finishing the phone call ; I went on-line to do a little more research, and what I found scared me. I then called my banking institution, cancelled my debit card. Then called all XXXX of the main credit reporting agencies and placed fraud alerts on my accounts. After, that I called my local police department, and submitted an incident report with them. 
I also submitted a 'notice of cancellation, ' to Manhattan Beach Venture LLC and Student Loan Relief Department , and am waiting to hear from them.
Product: Credit card or prepaid card

On XX/XX/2020 I received an email from JP Morgan Chase & Co. ( Chase ) that claimed I owed a statement balance of {$48.00} on an account ending in XXXX. 

However, this account had been closed on or about XX/XX/2020. There should have been no charges placed on that account after it was closed. 

I immediately contacted the Chase Fraud Department by telephone and told them this charge was not valid because the account had been closed a minimum of 2 months. That representative stated a fraud investigation would be initiated and that I would not be responsible for that unauthorized charge. Chase did not offer a credible reason for why Chase had processed a charge on a closed account. 

Several hours later I received another email, from Chase Fraud Protection services. This email stated that they closed the XXXX account. This can not be accurate if the account was closed on XX/XX/XXXX XXXX which the first representative I telephoned confirmed ). You can not close an account that is already closed. 

On XX/XX/2020 I accessed my old online account only to find that Chase has another account in my name ending in XXXX. In its response to CPPB, which I received on XX/XX/2020 Chase states it was their procedure to replace the account number when a fraud claim is filed. Unfortunately, Chase does not address the issue of my request to open no accounts in my name. 

Chase claims that the charge on XX/XX/2020, made after the account was closed on XX/XX/2020 was justified because there was an Amazon order on XX/XX/2020 ( when the account had not been closed ) corresponding to the XXXX XXXX charge. However, new evidence has come to light which shows there were a total of 5 charges from the same merchant ( Amazon ) ; three on XX/XX/XXXX, one on XX/XX/XXXX and one on XX/XX/2020. Chase declined all of these charges EXCEPT the XX/XX/XXXX charge which is the transaction in question. Chase offers no explanation for why the XX/XX/2020 charge was approved when four other charges made in the same general time period and from the same merchant were declined. Indeed, Chase disingenuously makes no mention of these other four charges although they know or should know of their existence the inconsistency of Chases position.

The obvious discrepancy in how Chase treated this transaction compared to essentially identical transactions raises serious red flags. Chase has been deceptive and uncooperative in this matter and this necessarily magnifies the concerns with their conduct in this matter. 

Therefore, I request your agency carefully consider the foregoing in its stated mission of the examination of companies and enforcement of the consumer financial protection laws.
Product: Credit reporting or other personal consumer reports

I have contacted the Creditor and also contacted Experian to perform a thorough investigation into this matter. I have notified this creditor that I dispute this alleged account. The creditor sent me a letter and stated that per my request the account would be ceased but this account is still currently reporting to my Experian report. It was deleted and then reinserted again, which is a violation per the letter that was received. Please remove from my consumer report