23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an agreement with the original company that sold my " debt '' off to Grant and Weber -- I tried to explain this to XXXX and he basically told me that I was a liar and that I was wrong. I will not be dealing with Grant and Weber and I will also be submitting a formal complaint against the original company with whom I had made a prior agreement. I have also been getting non-stop phone calls from the Nevada area code that I can only assume are from Grant and Weber. I work a full time, XXXX job and do not have time to talk to rude debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit monitoring alert this morning XX/XX/2023 from XXXX Equifax alerting me to an inquiry made on my credit by XXXX XXXX XXXX XXXX  XXXX on XX/XX/2023 at the address XXXX XXXX  XXXX XXXX XXXX VA, XXXX. I did not make this inquiry. I called XXXX to plan the next steps on how to investigate/remove the inquiry and was told to try and contact the bank or make a complaint to the FTC. I then called XXXX XXXX XXXX  and talked to a representative about the fraudulent inquiry, however they just transferred my call to XXXX, with whom I'd already talked. Later the same day, I received a call from XXXX XXXX to confirm/deny a request to open a credit card account at which time I let them know the inquiry was fraudulent and to not open a credit card. They advised me to continue making a complaint with the FTC for documentation on the fraudulent activity.
Product: Debt collection

I oulled my credit after being denied credit. I shockingly found entries for two accounts by DirecManagement, who i have never dealt with know who they are. I disputed with bureaus and this  company returned it verified. Note they never sent me any notifucation or right to dispute this debt letters. I only found by checking my credit. I then sent this company a dispute letter disputing and ask8ng for proof of validity and accuracu of this debt and that its mine. This went ignored. Its been over 60 days and no response but the6 keep reporting and hurting my credit. I do not owe this debt
Product: Prepaid card

On XX/XX/year> XXXX double charged me for their services. On XX/XX/year>, I noticed this and XXXX immediately submitted a refund. On XX/XX/year>, Serve card received the refund however they placed a 7 day hold on my refund not allowing me access to use what was owed to me. They lied several times and said the merchant placed a hold. I then called them with the merchant on the line. They informed they dont place holds on refunds and to release my refund to me. They still refused to give me my money. This isnt on their terms or conditions as I also asked for a copy. I also wasnt notified of the hold explain the reason why. On XX/XX/year> I called again to speak with a representative and supervisor again asking why and again no explanation. Still refused said why dont I just wait the 7 days. I said because this is totally illegal to hold my funds. Its a refund a credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because as you know I submitted a dispute against XXXX .... NOW they wont even allow me to see my credit score from them. Everytime, ( all 48 ) of them I try to log onto that account there pops up a sign saying OOPS unable to connect at this time .... don't you think its a little funny that I cant see my score because I submitted a dispute against them? Well, I'm not done yet, Im doing to submit a complaint about the whole XXXX system and possibly make sure this XXXX stops .... you are the one supposed to regulate this XXXX and all you do is submit the complaint to the company, you don't make them do the right thing, you don't even follow up on the complaints ... YOU DO NOTHING .... if I can not receive MY credit score, NOT THEIRS, they have no business with my personal information and this company needs to be taken out of business ... if this is the way you think people and their personal information are supposed to be treated, well you're very very wrong .... playing with peoples lives is not legal and I for one will not just sit and let this happen ... TRANSUNION is another one you cant get in touch with so WHY ARE THESE COMPANIES ALLOWED TO HAVE PEOPLES PERSONAL INFORMATION WHEN THE PEOPLE WHOS INFORMATION THEY HAVE CANT EVEN GET TO IT? YOU MAY THINK THIS IS OKAY, BUT I HAVE NEWS FOR ALL OF YOU ... IM NOT STOPPING HERE AND IF YOU THINK THIS IS JUST ANOTHER DISGRUNTLED PERSON WHO WILL NOT PROCEED WITH THIS, YOU ARE VERY WRONG ... .. IF I CAN NOT GET ONTO XXXX AND TRANSUNION TO RETREIVE " MY '' CREDIT SCORE, NOT THEIRS, THEN WE HAVE A PROBLEM AND I WILL FIND THE SOLUTION BECAUSE YOU DO NOTHING AND I CANT FIGURE OUT WHAT YOU'RE FOR? USELESS
Product: Mortgage

I've received several VA-guaranteed refinance offers in the mail from NewDay USA. First - I am not a veteran or even active duty military. Second - My last name is misspelled. The letter tells me that " you're among a group of veterans selected to apply for a NewDay VA loan for up to 100 % of your home 's value ... ''.
Product: Debt collection

Today I received a text from AmSher saying that I owe XXXX XXXX I have not had a XXXX XXXX  account in over XXXX  years and I do not owe them a XXXX  never got XXXX  bill or letter from this company in over XXXX  years this is ridiculous collection practices past the statue of limitation
Product: Debt collection

i recieved a call XXXX trying to collect from an EZcorp account. XXXX management is the company trying to collect. XXXX according to CFPD.gov is not allowed to collect or sell the accounts to third parties and im recieveing a call as of XX/XX/2016 demanding payment on loan. I explained im filing a complaint with CFPD.GOV against XXXX management and she stated that she will be putting me on a do not call list!!!!
Product: Debt collection

XXXXXXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$8900.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$8000.00}. 
This account is incorrectly reporting that I have 12 late payments. On my XXXX report there are 10 late payments being reported. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$600.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXXXXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$3300.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX Home Equity Line Of Credit with account # XXXX opened on XX/XX/XXXX and a balance of {$86000.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$3700.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit ActXX/XX/XXXX XXXX XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


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 XXXXXX/XX/year>
Product: Student loan

MOHELA keeps calculating my IDR plan wrong and increasing my payments. I have been overpaying by over {$1000.00} this last year and when they increased my monthly payment by over {$100.00} a month, they did not notify me. I've tried opting out of my auto-payments, but MOHELA won't let me. Have been on hold for over 3 hours on the phone at one time.
Product: Credit card or prepaid card

I 've already submitted a complaint letter and received response on XXXX. American Express stated that we are working to resolve this matter and will notify you via separate communication. However, I have n't received any updates yet. This is my XXXX contacts to resolve this issue. 
Please credit the XXXX XXXX as advertised by your employee XXXX, ID number XXXX. 

Here is the information for you to look up my previous information. 

CFPB XXXX No : XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked credit companies to validate the date and provide me documentation that shows who sign up for these accounts and despite my letters to them to do so they have not done so. I have reported these accounts to the police as fraud : US dept of ED acct # XXXX XXXX Bank acct # XXXX Alleged XXXX  Account # XXXX : LOAN : XXXX XXXX Subsidized Amount XXXX XXXX LOAN : XXXX XXXX Unsubsidized Amount $ XXXX LOAN XXXX XXXX Career Training Amount $ XXXX LOAN : XXXX XXXX Unsubsidized Amount $ XXXX LOANS TOTAL AMOUNT {$13000.00} XXXX 
Please see attached statement. 
Ref : Alleged Account XXXX - XXXX XXXX XXXX , Social Security XXXX XXXX XXXX  ACCOUNT [ XXXX ] Re : CITI CARDS XXXX XXXX ] Re : CITI CARDS Ref : Alleged Account # XXXX
Product: Credit card or prepaid card

RE :   XXXX   XXXX   XXXX   (  deceased )  XXXX   XXXX   XXXX   XXXX   XXXX , MA  XXXX  On or around  XXXX ,   XXXX  , I,  XXXX   XXXX   ( d aughter and power of attorney ) purchased a bluebird card from  XXXX  and deposited {$800.00} appeox. onto it for  XXXX . On  XXXX   XXXX ,  XXXX , My mother passed away. I called and informed bluebird, the wanted a copy of my power of attorney, I sent it out. They closed out the account, but never sent the money back, Are they allowed to keep it? I have called but they keep hanging up.
Product: Checking or savings account

Institution Name : Discover Bank Routing Number : XXXX Account/Product Type : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : United States XXXX XXXX : XXXX Phone Number : XXXX Complaint Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. 
Do NOT include any personal information such as account numbers or Social Security numbers. 


I invested in a {$10000.00} Certificate of Deposit XXXX with Discover Bank at 5 % interest for 12 months. On XX/XX/2024, I notified Discover that I wanted to roll over the CD and put the {$410.00} in interest towards credit card debt with Discover. They said this was possible but that I would have to be sent a security code to my phone to verify my identity. I live in XXXX XXXX most of the year and do not have a dedicated US phone in my name. They would not send the code to the email they've had on file for years. I was not a happy customer and then told them to close out the CD 30 days earlier than maturity and wire transfer the funds to the same XXXX XXXX XXXXXXXX account in my name that they had received it from. I was told again that I needed a phone security code. Discover would not send it to my XXXX XXXX phone. My sister in NC has my power of attorney, is my US address and phone number. This was refused because the phone was not in my name. I asked for and never received a copy of Discover Banks policy of needing a US phone to receive a Security Code. I then went through a 3-day resolution process of furnishing Discover copies of my current US passport , US Merchant Document, W2 and IRS 1040 Forms. Initially I was told I receive {$370.00}. interest and the wire transfer fee waived. When I finally received the wire transfer it was for {$10000.00}. When I tried to access my online account or called customer service I was told once again I needed a security code. 
How can your complaint be satisfactorily addressed? 
Discover Bank send a check to my US address on file for {$190.00} and add a disclaimer to CD customers that expatriated US citizens will not be able to use a foreign phone for security codes. 
XXXX XXXXXXXX
Product: Mortgage

I tried to modify my mortgage as I am XXXX. I could no longer work and had to leave the workforce in XX/XX/XXXX. I had be able to continue making payments with the assistance of my finance. 
I was not able to keep up with the mortgage payments when we broke up. I asked for a remodification and they refused. I stopped paying on my mortgage and now I have filed a bankruptcy to keep my home. 
Wells Fargo refuses to remodifiy my mortgage and wants to sell my home. Ive been here for 13 plus years. It is my home and I would be literally homeless. 
Wells Fargo says that I do not make enough to stay in my home nor do I make enough money to declare bankruptcy. 
They have foreclosure and the next auction date is scheduled for the XX/XX/XXXX. 
I want to keep my home and am trying to get a part time job with the XXXX XXXX XXXX California. 
This would help my income level and I absolutely want to keep my home and Wells Fargo isnt willing to help a XXXX person like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

there not reporting my XXXX XXXX account to credit bureau
Product: Debt collection

I have contacted this company several times asking them for debt verification. I have also contacted the original apartment complex and they told me to contact the CA. They are trying to force me into paying this debt that I do n't owe. They dont have a lease. We even went to court with this company and they ca n't even provide me with the transcripts from court.
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Money transfer, virtual currency, or money service

I provided someone my phone number on XX/XX/23 on XXXX and without authorization or approval, they took 3 payments of {$300.00} out of my checking account through Zelle
Product: Credit reporting or other personal consumer reports

XX/XX/year>. Experian removed three wrong addresses, left two others on my credit report. It's important to me because my name was misspelled in which I had them delete that as well. I think that someone used my name with a fake address not belonging to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, opened XX/XX/XXXX, XXXX. {$2800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Some one had been using my personal information, first name, last name, social security number, to have credit cards, mail, and other services mailed to addresses that I have never resided, and I have no association with, theses addresses are, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I went to my local police department on XXXX XXXX and they instructed me to file a ftc report because my information has been compromised. I have been reaching out by phone to all three major consumer agencies to try to resolve this matter with little to no luck. I need help with this matter as it is getting out of control. I need my correct information reporting to my credit profiles so I will no longe the a victim of fraud.
Product: Student loan

Reviewing my credit report after being denied for credit I discovered FedLoan Servicing reported me 180 days late in non-repayment of my student loan. The late period was from XXXX, XXXX and XXXX of XXXX. FedLoan Servicing was contacted on or about XX/XX/XXXX. They researched my account and found that I was in forbearance during that time and no payment was required. The account was updated in XX/XX/XXXX clearing all nonpayment and balancing the account. However, all did not balance with me. Because FedLoan Servicing was not current on their paperwork processing my forbearance they reported my account 180 days delinquent. Speaking to a FedLoan Servicing representative on or about XX/XX/XXXX I was told that they could not retract the negative reporting sent to the credit bureaus but they would write a letter stating that they reported my account late prematurely and that I was in forbearance during that time. The letter produced by FedLoan Servicing did not state what was discussed. It simply stated that my account is current. FedLoan Servicing was contacted again on XX/XX/XXXX. I explained that the letter I requested giving explanation on why FedLoan Servicing was incorrect in reporting my account delinquent was in error was not received. Although the FedLoan Servicing representative I spoke to explained in detail that the account was in forbearance, it was not 180 days late, the files were updated in XX/XX/XXXX, the credit bureaus were sent a delinquent report prematurely and I was told that all discussed was true they would not state it in a letter as I was promised. I pride myself in paying my bills on time. One of the core values instilled in me through my parents at a very young age is that if you make a bill pay it back on time. It was shocking to find out I had a negative report on my credit. The reckless, inaccurate and untimely processing of paperwork by FedLoan Servicing has caused great financial difficulties for me. They have made it impossible to get a credit card, rent an apartment and limit possible employment positions of trust. Repayment of student loans can make or break your future financial opportunities I am already experiencing. When you have a negative credit report and poor repayment history it can cost you thousands more dollars in everything from interest on credit card to auto insurance. FedLoan Servicing must do due diligence when reporting adverse credit information. There is no perfect system, however when you admit you made a mistake on your paperwork and send that negative report to the credit bureaus and you find out you made a mistake dont make the borrower the victim. FedLoan Servicing should do whatever it could to correct the problem. FedLoan Servicing failed to do so in my case.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXXXX XX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

1. Late Payments : Several late payments are reported on accounts that I believe are either inaccurate or not attributable to me. Under the FCRA, Section 611 ( 15 U.S.C. 1681i ), I request that XXXX verify these accounts with the original creditors. If these late payments can not be verified as accurate and belonging to me, they must be removed from my report.

2. Incorrect Addresses and Phone Numbers : My credit report includes outdated or incorrect addresses and phone numbers that are not associated with my current or past residences. Please update my information to reflect my current address and phone number, as inaccurate personal information may indicate potential errors or identity confusion. FCRA Section 609 ( 15 U.S.C. 1681g ) grants me the right to request accurate personal information.

3. Accounts Not Belonging to Me : There are accounts on my report that I do not recognize and do not believe are associated with me. Under FCRA Section 611, XXXX must verify the ownership and legitimacy of these accounts. If they can not be verified, I request their removal from my credit file.