23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I switched my cell phone XXXX from XXXX XXXX to another provider. My decision to leave XXXX was influenced by encountering my fourth billing issue within a relatively short XXXX period. 

On XX/XX/XXXX, XXXX incorrectly billed me for XXXX lines despite XXXX of the devices not being delivered ( the XXXX could not find my condo unit, the line was not yet activated ). Upon contacting customer service, the representative not only pressured me to pay the erroneous charges but also mocked my name and insulted my social standing ( called me a lower class person ). Consequently, I filed a complaint against XXXX with the Federal Trade Commission. 

In XX/XX/XXXX, I eventually obtained the trade-in credit that was pending for XXXX months due to an oversight by XXXX. It necessitated a visit to your store to inquire about the traded-in phone that I had mailed Additionally, a 15 % corporate discount was promoted by XXXX in XXXX with my employer. However, after being transferred among numerous departments for several months, I was informed in XX/XX/XXXX that my plan would not be eligible for the discount. 

On XX/XX/XXXX, I received a bill inside a XXXX envelope from your office, indicating device payments of XX/XX/XXXX and XX/XX/XXXX. The second package showed payments of XX/XX/XXXX and XX/XX/XXXX. Regarding the devices, in XX/XX/XXXX, I had inquired about purchasing them outright as leasing proved more expensive over the XXXX period. However, the representative falsely informed me that this option was exclusive to lease agreements, not purchases. Consequently, I discovered the device prices significantly deviated from those presented in-store. 

XXXX also sold this account 's collections rights to XXXX XXXX and Afni Inc before the final bill 's issuance.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of the year myself and my wife received a copy of our credit reports and we noticed that there are many variations of our names and addresses that are unknown to us, including places of employment. So we deiced to update our personal information with the credit bureaus. 
On XX/XX/XXXX and XX/XX/XXXX we uploaded our up to date personal information including our places of work to Experian credit report upload website, we included notarized proof of our names, addresses and social security number. few weeks later we received copies of our credit reports from Experian and we noticed that they did not delete the inaccurate and old personal information, they just add the new information we send them. So, we did send the information back again on XX/XX/XXXX but this time by certified mail, and as the first time we send them proof NOTARICED of our identity, address and social security card, and once again, our information was not corrected, if they were ignoring the information we were sending them. On XX/XX/XXXXI call Experian to ask for an explanation why the information was not removed if we did send them notarized proof two times?

The answer I got from the agent was, that they will not remove or update my personal information unless a creditor or collection agency inform otherwise. I even argued that I am the only person with all original documents probing my identity, and as an example I ask the agent that if I have my birth certificate with my name written on my hand and my neighbor on the phone telling them a random  name of mine, which party they are going to believed? ... agent .. '' dont take it personal but, your neighbor.. 
Please help me to update my information, what Experian is doing is illegal our information has to be accurate, our names have to be 100 % accurate and all addresses most be removed, they are not deliverable to me or my wife by the US Post office, and they are not reportable as per the FCRA, since they are inaccurate.
Product: Debt collection

I was contacted by my mother on XX/XX/XXXX who contacted me in regards to someone saying they were with the State trying to collect on a bounced check for a payday loan I took out back in XXXX. I was given a phone number and a person to contact. When contacted the person she said she was a mediator between the payday loan company so the pay day loan company wouldn't take me to court and place a judgment on my credit report for the amount owed of {$580.00}. She then said I needed to pay the balance in full if i couldn't pay the balance in full it could be broken into 2 payments of {$290.00}. She then transfered me a guy who said he was on a state recorded line to make a post dated payment for the amount of the full balance in two parts which was more than I received from the payday loan XXXX {$300.00} ). I then received a docu sign document for a dollar amount as a promise to pay in regards to stopping " Court Process and attorney fee 's ''. from a XXXX XXXX to my email address on XX/XX/XXXX.
Product: Debt collection

I asked for everything they needed to prove the amount and ownership of the account and they did not, and they are also lying saying they are the original creditor
Product: Debt collection

I have received 3 notices from " Credit Collection Services '' in XXXX, Mass. stating I owe XXXX XXXX {$790.00}. I sent back their notice reporting that I did not owe this nor do I have an XXXX XXXX account. They have ignored my responses. I have also called them x3-first 2 times they hung up on me.

Today I called and got a rep named XXXX who said I owe the above amount. She told me to contact XXXX ( which I have done XX/XX/23 and again today, XX/XX/23. 
I was transferred to the ID Theft Dept and finally the XXXX XXXX Security Team who stated they have no record of an account with them, or of an invoice stating I owe any money to them, and they will research. 
I do not want my credit rating affected or ruined because of this. 

The company is harassing me and XXXX personnel stated it may be a scam or an attempt at ID Theft. 
I want to file an official complaint against : Credit Collection Services, XXXX XXXX XXXX, XXXX, Mass XXXX Phone= ( XXXX ) XXXX -- XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Student loan

My private student loans originally owned by XXXX XXXX were recently sold to Navient. Over the last year and a half I have filed several complaints with the CFPB ( case numbers:XXXX,XXXX,XXXX,XXXX ) in attempts to receive a reduced monthly payment, as I lost my job and have been working part-time since that time. I was initially told by the loan servicer XXXX that the reason I was having issue was because the loan was, at the time, owned by XXXX. In further conversions ( via CFPB complaints ) I was offered a reduced payment plan by XXXX, however after applying I was simply told that my " income '' precluded be from being eligible. When I inquired further I was told that the basis under which they made their decision was " proprietary information ''. Though I was unable to maintain the $ XXXX monthly payment I have paid something on the loan every month just to show good faith. After finding out my loan was sold I reached out to Navient in continued attempts to lower my payments, and bring my account to good standing. The Navient representative I spoke to indicated because my loan is delinquent there was nothing I could do to lower payments or rectify the situation short of paying the back balance in it 's entirety.
Product: Credit card or prepaid card

Capital One XXXX XXXX for Menards. Transaction date XX/XX/2022. Transaction amount {$1800.00}. Card terms state that any transaction greater than {$1500.00} will receive a promotional finance rate of 3.99 % for a period of 48 months. Capital One instead began charging interest of almost 30 % after just 6 months. I called and requested a fix. They denied the fix with no justification. I called again to remind them that this violates their cardholders terms. I was told that I should have called sooner because the transaction " expired ''. Essentially they claim that I didn't catch them breaking the law soon enough for them to fix it. I am filing this complaint, because they have increased my balance by {$300.00} in 3 months and refuse to fix their mistake. I should only be paying {$60.00} in interest this year, and the balance should NEVER increase. This is fraud and theft and must be fixed. If not it will end up costing me thousands of dollars.
Product: Debt collection

Someone reached out claiming to be from Wakefield and associates. They said I have debt and were given the following info : my name, DOB, SSN, address. When asked about credit card, I said no and they hung up right away. It was clear it was a scam. Now Im worried about my personal info. 

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

XXXX XXXX XXXX and XXXX XXXX has deleted from my credit since they went Bankrupt. This has affected my credit score were I was in good standing and score was in XXXX 's now it has lowered XXXX points. My lease contract is with XXXX XXXX XXXX and I feel they CAN NoT just erase that I have NEVER missed a payment or been late! I feel they have SCAMMED everyone that has gotten a vehicle from them. I worked to get my credit built up and now it.has been ripped away. I am in the process of speaking with a lawyer over the situation including this with my credit also. I do not see how this would be legal to just delete off someone's credit history.
Product: Credit card or prepaid card

Hello, I have never missed a payment with Synchrony Bank and used my XXXX XXXX XXXX card offered by this bank once a month. I just made a payment over the phone on XX/XX/XXXX, XXXX However, on XX/XX/XXXX Synchrony Bank closed my credit card account without providing with me a 45 day notice as stated in Credit Card Act of XXXX. I called the company on XX/XX/XXXX at XXXX a.m. and was told by account manager XXXX that account account was already closed. I informed her that I was suppose to be given prior notice of 45 days of closure this could have allowed me to pay the remaining balance. Instead the sudden and illegal closure had greatly reduced my credit score thus preventing me from refinancing my home. XXXX informed me that once an account is closed it can not be reopened. This illegal and sudden closure has caused me great financial damages. If I was given my 45 day notice I could have paid the small remaining balance thus preventing the negative impact on my credit score.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


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

Ally loan finance I have been trying for 2 years to get mine and my sons credit report corrected. They have report a charge off but the account was paid on full by the insurance company. I have requested several time even from the credit reporting agency to correct this and they haven't. This has destroyed both mine and my sons credit and is coating me hundreds of dollars every month.
Product: Checking or savings account

I banked with chime for many years then suddenly my account with funds in it, it was closed down without any information prior besides one email on XX/XX/XXXX. I contacted them SEVERAL times lost hours of work to never get a clear answer as to why. The only response I got was an email stating that I violated a contract. I agreed upon when I signed up for my account. When I asked for exact transactions that violated this agreement they could not provide any reasoning I was forwarded to another person to another person when I called and spent hours on the phone I was kept on hold and just constantly sent to another agent and eventually hung up on, I was lied to I would get an email they would reactivate my account. They never did I receive benefits from XXXX Social Security, and which those have been now terminated because they can not be deposited into my account. I cant update the security XXXX chime will not communicate with me, has caused total financial distress, and no one can even tell me why.
Product: Student loan

I am writing due to a crushing amount of private loan debt that I am stuck under as a cosigner for XXXX XXXX and XXXX, a very low value school that promised my son a good paying career that never materialized. I am asking that these loans be cancelled in their entirety. This school has been branded a low value school and all federal loans for this school have already been cancelled in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, This my second reaching out to these company 's through your Company .Both of the accounts have been deemed closed by your Company. I demand for the company 's to reach out to the credit bureaus on removing the Closed accounts and updating my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries associated with my credit file as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following accounts and inquiries are not authorized by me. 
Fraudulent Accounts : XXXX. XXXX XXXX Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$420.00} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$23000.00} XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$1700.00} XXXX. Bankruptcy - Account # : XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} Fraudulent Inquiries : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out it 3 sets of letters to the XXXX, Transunion, and XXXX but nothing has happened I continue to reach out to all of them and I let them know that I have no knowledge of these accounts and also show them the police report I ask that they please remove the items but there response is that my they verified that the account and its mine I sent out letters on XX/XX/2021 and they received them on the XXXX I was told that the police report is valid enough to get the items removed this is hindering me from buying my home
Product: Debt collection

I got sick in XXXX, since then I've had XXXX XXXX XXXX major, XXXX minor and countless test procedures and Dr Visits which left me XXXX unable to work which left me broke unable to pay my bills, I had two credit cards from XXXX XXXX, when I got them the contract on both stated that if I ever got ill or XXXX that it was a policy that I would not have to pay my credit card debt if I could show proof my illness or XXXX. I called XXXX XXXX and Jacobs law Firm explained this to them after my XXXX XXXX, they told me to send in my proof of illness I did, I sent them a XXXX3 page medical report documenting my XXXX  test procedures and dr visits to two different addresses bc I had two credit cards w them about 6 weeks later XX/XX/XXXX to be exact I got a letter in the mail basically saying all was forgiven ( that im gon na attach and send w this complaint if I can ) checked my credit today and realized im being sued by them and the letter that states all forgiven I received is only for one of the accounts and now they are trying to sue me for the other account and not honor the contract agreement about medical hardship that account # is XXXX I called them today and I called and they were rude we got disconnected or she hung up on me one then I called back and just got elevator music w a msg saying hold times are over two hrs so I hung up start ffilling out this complaint.. You would think w all this covid 19 stuff they would be more coorperative
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone broke into my dorm room and stole all my stuff including my ID and social. I have unauthorized inquires on my credit report. I have filed a report & attached.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX Transunion XXXX Transunion is supposed to ensure MAXIMUM ACCURACY. This account violates these laws 15 USC 1681 ( i ), 15 USC 1681s2, 15 USC 1681i5,15 USC 1681eb. Delete this Account this account shows different last dates of activity attached for Transunion XX/XX/XXXX and XXXX XX/XX/XXXX violates FCRA. 
XXXX XXXX XXXX XXXX XXXXXXXX Asking for full verification on this account following guidelines set forth by FCRA. Remove this account immediatley. 


Sincerely XXXX XXXX
Product: Mortgage

The mortgage agent at Quicken loans told me if I give him my social security number and he ran my credit report, my report would go down a few points. It went down significantly more as a result of his inquiry. I asked the executives at the company to delete the hard inquiry on my account and they refused. The people who refused are XXXX XXXX XXXX XXXX XXXX XXXX Avoid Quicken Loans at all cost, because it will cost you if you do n't
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX 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 a account without my written instructions
Product: Vehicle loan or lease

I got a car a XXXX XXXX XXXX from a XXXX dealer in XXXX XXXX area in XX/XX/XXXX and the vehicle was the approximate cost of {$12000.00} XXXX XXXX miles on it. XXXX dealer indicated to me that I would have to pay like 10.5 or 11.5 interest-rate when I was told by Wells Fargo gave in my information I just paid off my student loan XXXX {$9000.00} off and I had very little credit and they said they will work with me Wells Fargo and the XXXX dealer. I end up with a 16.99 interest rate I cant pay for it now. I decided just get in the car because a hassle to me and the lady who help me with the loan gave me her fax that she will give me 11.5 I was surprised at this rate I half I told them about it they wrote me a letter stated this is the rate they gave me I said no I feel that you are racially profiled me and you discriminate against me and you lied, Wells Fargo. So I voluntarily told him then have the car cause I couldnt pay for it and the repairs at XXXX miles. They wanted me to sign a piece of paper that I will voluntarily give them the card. And I decided not to sign the paper when I got the information back it was so many fees die oh more for the car that I paid into the car. I believe this is a scam by Wells Fargo the predatorily lead against me with this car they try to help me out to give me two missed a couple payments is XXXX a month and its crazy Im on XXXX to and I dont know what to do? They will be charging me on XX/XX/XXXX XX/XX/XXXX I have to pay for three XXXX with late charges XXXX continues from the day I decided to give up the car so the current balance is XXXX XXXX delinquents charge XXXX collection repossession fees will be {$470.00} then another describe miscellaneous fee {$45.00} and the reason we procession amount of this is due XXXX XXXX then it says contactContact payment due XXXX delinquents charge it at XXXX collection fees again for {$470.00} insurance nothing another miscellaneous fee is XXXX then it says amount due at the date of notice will be XX/XX/XXXX XXXX. XXXX additional then they said every day when I have to car I will be charged all these fees until the car is sold not tell me this is not a gimmick. This is Wells Fargo plan to sell property yesterday told me this is Wells Fargo dealer service. My name is XXXX XXXX XXXX XXXX.My cell number is XXXX my address is XXXX I did my best to try to work this situation out with Wells Fargo this company is a joke I dont like how they treated me and I dont like how they harassed me and Im very serious how they treated me as a customer so can you please help me with the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.