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

I am continuing to receive emails from this company asking me for make a payment plan when I have on several occasions requested that they cease all communication with me. they continue to send emails and in the past have made phone calls. The next step for me is to contact an attorney and file a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered. 

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX  XXXX To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 
Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

**Company Information : ** - **Company Name : ** XXXX XXXX Bank XXXX XXXX ) - **Account Number : ** XXXX - **Date of Report : ** XX/XX/year> **Description of Complaint : ** I am filing a formal complaint against XXXX due to multiple inaccuracies in their reporting regarding my account, which is now closed and charged off. Recently, on XX/XX/year>, XXXX reported that I am over my credit limit on this account, despite it being closed by the grantor. This misrepresentation has caused significant distress and confusion about my financial status. 

Additionally, XXXX has reported my account with an incorrect spelling of my name, which is a clear violation of my rights. This error can complicate identity verification and impact my interactions with other creditors. 

I have also disputed these inaccuracies with Experian, noting over XXXX unauthorized soft pull inquiries made by XXXX without my consent. Such actions not only violate my privacy rights but also suggest a lack of diligence in their reporting processes. 

Moreover, XXXX has reported active payments on my account for the period of XX/XX/year> to XX/XX/year>, claiming that terms were met, despite my not making any transactions during that time. This reporting is not only inaccurate but misleading, as it implies that I have engaged in financial activity when I have not. 

According to IRS guidelines, even if I did not receive a tax form 1099-C, I am required to report canceled debt as income. This charge-off should be treated as income ; however, the way XXXX has reported this account is misleading and violates federal regulations. Per 15 USC 1681 S-2, they are prohibited from furnishing inaccurate information to consumer reporting agencies. 

In light of these issues, I am formally requesting that Experian, XXXX, XXXX, XXXX XXXX XXXX  ( XXXX ) cant provide documentation verifying that these inquiries were authorized by me. Specifically, I request : 1. The name and employee number of the individual who authorized these inquiries during their initial investigation.

2. Documentation supporting the authorization, such as inquiry logs. 
XXXX. A signed application with my wet ink signature. 

If Experian, XXXX, XXXX, XXXX XXXX XXXX  ( XXXX ) can not provide this documentation, I expect the inquiries to be removed immediately. 

**Impacts of Inaccuracies : ** - **Credit Damage** : My credit score has been adversely affected, making it difficult to secure loans or favorable interest rates. 
- **Emotional Distress** : The confusion and XXXX  caused by these inaccuracies have impacted my mental well-being and day-to-day life. 
- **Reputation Harm** : Misrepresentations have led to denied applications and a tarnished reputation with lenders.
Product: Checking or savings account

XX/XX/XXXX, I logged into my citi bank account and I saw that my account was placed on block. I call XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and was told my account is blocked no explanation given and that I will not have access to any funds until 60 days. I was also informed that my account has been closed and I will receive a paper check within 2 months. Citibank has informed me that there is no additional info that can be given just wait XXXX months to access my monies. This is unprofessional and criminal.
Product: Checking or savings account

On XX/XX/XXXX, my CD matured, and because of the low interest rate it was suggested that I deposit the monies in my money market savings account which I did. On that date I was informed the interest rate was XXXX XXXX, that it could change any day. On XX/XX/XXXX, I had another CD mature. In visiting the bank, I learned the money market account new rate was XXXX XXXX and that the rate had changed on XX/XX/XXXX, the day before I was quoted the higher rate. XXXX XXXX, the branch XXXX, was present at the XXXX conversation and was unable to explain why their screen showed an incorrect rate. She agreed to submit an inquiry to the Corporate office. On XX/XX/XXXX, XXXX XXXX called and stated she was told that the money market rate of XXXX XXXX  was correct, nothing can be done and I would be receiving a phone call by XX/XX/XXXX from the Corporate office. On XX/XX/XXXX at XXXX, I received a phone call from XXXX XXXX of the executive office. I asked XXXX XXXX if he had spoken with the branch XXXX. He said no. I asked if the system at the branch was on real time. I needed to ask this question several different ways to finally get an answer of yes. Then if so, how could two people at the branch see a different rate than what was actually in effect? I was not pleased with my conversation in that XXXX XXXX did not seem to understand my complaint and all he wanted to do was confirm that the money market rate was the correct rate being offered by Santander Bank. The entire transaction lacked transparency and credibility.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I requested proof of the previous investigation of a 30 day late reported on XX/XX/XXXX on account # XXXX XXXX. I requested that the method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late. investigations were completed and none of this was provided. I demand that the 30 days late for the month of XX/XX/XXXX be removed and updated to XXXX. The account is # XXXX XXXX The dispute was made, and the data furnisher failed to comply with the request. It is the data suppliers ' job to report accurately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these creditors XXXX  Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX Account number XXXX Amount {$1000.00} XXXX XXXX XXXX Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX, Account number XXXX Amount {$240.00} XXXX, XXXX Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX, Account number XXXX XXXX, Amount {$240.00} XXXX XXXX XXXX Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX Account number XXXX XXXX, Amount {$1000.00} These accounts are reporting on XXXX, Experian, and XXXX These creditors have violated my rights under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604A section 2 also states that the 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 ended consumer credit plan as late for any purpose Thanks in advance for your he
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a mailer from US Bank that included some checks to be used for Balance Transfers. Upon further inspection I noticed that the checks contained no security features whatsoever. I took then into my nearest US Bank branch and the confiscated them for having no security features. I then called the corporate office and they told me it is common practice to mail out checks without any security features on them. I told them to stop sending these out. Then today I receive another mailer with the same substandard checks. By security features, I am referring to features on checks to minimize fraudulent use or forgery of checks, such as microprint, security seal, heat-sensitive ink, and writing only visible when held up to the light. The checks the bank is continuing to send me have none of these features.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX  Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Checking or savings account

On XX/XX/2019 a withdrawal of {$130.00} and on XX/XX/2019 2 withdrawals of {$130.00} each were on my bank statement and taken from my account by XXXX. I have never heard of this company and have no account with them. I'm not sure how they got my info and who authorized them to tamper with my funds. I bank in Missouri and this is some company based out of New York. I contacted my bank to report fraud and also contacted this company in which they were very reluctant to help me or give any information.
Product: Student loan

I took a loan out with ReliaMax lending services to pay for a pharmaceutical sales course online ( XXXX ) thru XXXX XXXX XXXX XXXX XXXX. 
As it turns out the course was a scam and a way for the instructor to make money. Meanwhile I am still responsible for this loan. I do not want to pay for something that was a scam and will not get me anywhere. The instructor got sued in the state of Colorado a few years back.Therefore he should not be allowed to even teach this course. 

I need relief from this loan and do not want to pay remainder. Below you will see links to the lawsuit and complaints for company. 

https : //www.stopfraudcolorado.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  https : XXXX
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. 

XXXX NAME : EMPLOYER : XXXX XXXX XXXX  ADDRESSES : XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX, SC XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS  : XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN NAME : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX SC XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX GXXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NAME : EMPLOYER : CUSTOMER XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ADDRESSES : XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked over my credit reports and noticed credit inquiries that I do not recall authorizing, made by the following companies : Experian XXXX XXXX XXXX XXXXXX/XX/24
Product: Credit card

A company I contracted with was supposed to provide a service. They did not provide the service as indicated. Had to hire another company to do the same and received zero value from first company. Should have been covered under purchase protection/dispute per the contract and even their marketing. They did not uphold their end. I then reached out to try and figure out what was going on. No one contacted me back when i requested a contact back. Then i submitted to their preferred way of contacting them instead of submitting a formal complaint and have been ignored. Was really shocked as I have used this card for years and I'm sure have made them a decent amount of money ( more than the dispute ) and they can't even send me a response. Though, it is in direct violation of their marketing/promises and contract terms for card use. Really disappointed. Ended up freezing my account and disposing of their card.
Product: Student loan

On XX/XX/2023, a payment was made ( {$2500.00} ) on my loan account that resulted in XXXX of my loans having a negative balance. 

I have two loans now, one of which is positive and the other is negative. The balances should cancel each other out and the total balance should be XXXX. 

Unfortunately, the positive balance continues to increase with interest and Edfinancial Services will do nothing about subtracting the negative balance. 

I have had a " finance request '' in progress with them for over 3 months with no results. Customer service says there is no timeline nor method of escalation. My student loan balances continues to climb despite being paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account with Capital One via the consumer reporting agencies on XX/XX/XXXX. The infromation came back verified and updated. 

Recently I have pulled my consumer report and noticed that Capital One has been reporting a charge off to all credit reporting agencies as of XX/XX/XXXX. 

Capital One has never classified the billing error or provided the original instrument of indebtedness in order to lay claim to this alleged debt, instead Capital One charged off the alleged debt and furnished fraudulent information to the consumer reporting agencies as a mean to bring harm to mean and my financial reputation. This alleged debt was disputed well before it was charged off. Any and all money paid to this account shall be returned immediately by money order or cashiers check to my place of abode. 

I have reasonable cause to believe that the information furnished by Capital One is inaccurate. I also have reason to believe Capital One is knowingly furnishing false and misleading information to the consumer reporting agencies as a means of committing unlawful extortionate means. This account is shown in charge off status on my consumer report with a balance. ( see attached ) I am aware that a charge off in accordance with 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. I never received a 1099-C for this account, so I have reason to believe that Capital one is furnishing their gross income to the consumer reporting agencies. The continued reporting of this knowingly inaccurate information is a clear violation of 15 U.S. Code 1681s-2 of & 15 U. S. Code 1681e ( b ). 

I am also aware that if Capital One has filled out a 1099 c form and its continuing any kind of collection activity as defined under 31 U.S code 3711 ( e ) by performing any of the following conduct, administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, pursuing litigation, you are committing tax fraud and should be reported to the IRS for fraudulent financial gain.

Also I am invoking my right to refuse to pay this alleged debt and wish to cease further communication In accordance with 15 U.S. Code 1692 c ( c ).

The following account ending in 6099 with the balance of 763.00 is to be deleted from all credit reporting agencies.
Product: Credit reporting

XXXX I attempted to purchase {$170.00} worth of materials from XXXX in XXXX, TN using my business check issued by the XXXX XXXX XXXX XXXX XXXX. The check was declined by Certegy Check Services. I called Certegy Check Services from XXXX and was asked if I wanted to be placed on their VIP List. The Certegy rep said this may or may not allow the check to be accepted. I said yes. He said wait 10 minutes and try to run the check through again. I did twice ; the check was declined XXXX times. I requested a copy of the declination from Certegy Check Services. It indicates that Certegy already approved XXXX previous checks from my business checking account totaling {$600.00}. Yet Certegy declined my check for {$170.00}. They only stated that my check " matched a high-risk pattern, our automated system provided a less than favorable recommendation. '' The XXXX XXXX XXXX XXXX XXXX is a valid institution. My business is licensed by the State of Tennessee. There were ample funds in my business checking account to cover the amount of purchase from XXXX ( {$170.00} ). Even Certegy 's records indicated that they had previously approved XXXX checks from my business totaling {$600.00}. How can another check from my business be considered high risk by Certegy 's automated system? 
Bottom line. Certegy Check Services has apparently not straightened out their act as a result of the XX/XX/XXXX FTC lawsuit file against Certegy Check Services.
Product: Credit reporting or other personal consumer reports

I have called Equifax multiple times requesting information for addresses that do not belong to me be removed. The most recent call was made on today, XX/XX/year>. I spoke with a supervisor requesting why the addresses that do not belong to me keep showing up on my credit reports. He insisted on telling me that a lender is reporting this information. Again was told today that I would have to provide additional information showing my current address which I have provided by mail and email multiple times. One manager insisted earlier this morning that I would have to start another dispute that would take 30 days. One manager that I spoke to in XXXX reassured me that the incorrect addresses would be removed within 48 hours. The service at Equifax has been very unprofessional. I have been put on hold just to be hung up on, managers are very rude and argumentative, just a very unprofessional experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, USDOEXXXX Company Inquiry : XXXX XXXX
Product: Debt collection

A R Recovery Solutions has placed an account in collections under my name and refuses to verify that this account belongs to me. This account has since been reported to the credit bureaus and has impacted my score. I asked them to sen d verification of the debt to me and they kept telling me that I would have to send in my social security card, picture id and a signature, which i dont trust to do so. I know that this is a tactic try to collect my personal information. They also have threatened to take legal action if i dont pay the account off ; the account that they refuse to validate or verify.     Secondly, according to Illinois Depart ment of Professional & Financial Regulation  and Fair Debt Collection Practices Act, A R Recovery Solutions is not licensed to collect debt in the state of Illinois.
Product: Debt collection

Amerifinancial Solutions I have a a unverified account from your office. I had previously disputed this account. I have never done business with Amerifinancial Solutions. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that Amerifinancial Solutions Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. )  Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Amerifinancial Solutions Cease and Desist all further communications and collection actives and provide the verification of the purported debt.