23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of XXXX XXXX XXXX  I want proof been asking
Product: Debt collection

I finished my plan with XXXX around XXXX XXXX. I have paid all of my bills, returned all of the equipment and got a receipt. 1 year later I get a suspicious phone call from a dept collector saying i owe XXXX XXXX $ and I need to pay them the amount. right away I call XXXX and they told me that I do n't owe them nothing and the account was closed. I called up the collector and told them that I DO NOT owe them nothing and they told me that they have disputed the charge. 
6 month later ( XXXX XXXX ) I get another phone call from the collector again, This time I told them that this is a fraud and they are steeling money from people. I hang up and called XXXX again, They have check every thing and assured me that there is no charge owed or requested to collect. I called the collector again and told them the story, The representative told me that she will dispute the charge. I called one week later ( XXXX/XXXX/XXXX ) to check that they took me off the system but they DID NOT. I told the The representative to dispute the charge and he told me that he will do it and when I asked to get a confirmation letter or # he refused to give me one and put me on hold for 1 hour. I hanged up and call again to fine that the next representative will do the exact same. 

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

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts on my credit that I am unaware of and need removed please. A car lease with XXXX XXXX XXXX, apartment lease with XXXX XXXX XXXX, and a loan that is now a charge off from a place called XXXX XXXX
Product: Vehicle loan or lease

I'm trying to see what's the status with my involvement with the class action lawsuit for the gap insurance and Loan leases with Wells Fargo
Product: Student loan

Edfinancial over charged my bank account and took XXXX more than what I was trying to put towards my student loans. I paid XXXX towards my student loans and they charged me XXXX. Now they are refunding me but its been 3 months and they dont know where my money is at or when its going to get back to me. 

I also have issues making payments. I make a payment. Get confirmation and then it disappears from my account history and it takes weeks to get edfinancial to put it on my account.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 XXXX - {$490.00}. 
XXXX XXXX - {$2400.00} both unauthorized transactions taken from my checking acct. 

Contacted fraud division of Bank of America and filed a complaint. They researched said transactions were authorized closed investigation
Product: Debt collection

Called me at XXXX XXXX!!! Woke me up. I've told this company already that this is not me and the last four of our social doesn't match. At what point can I file a law suit??
Product: Checking or savings account

I opened rewards checking and premier savings accounts on XX/XX/23. Upon receiving my debit card I also ordered checks, initiated transfer of funds and started updating autopay and direct deposit for my new account. On XX/XX/23 I discovered I couldn't add my Upgrade Visa Debit card to my XXXX XXXX, nor could I use the card for purchases on the XXXX XXXX store. I reached out to Upgrade customer support who denied seeing an issue and locked/unlocked my debit card and instructed me to keep trying for a few days and reach out to apple support if the issue wasn't resolved. I reached out to XXXX XXXX on the same day and discovered via diagnostic logs that my Upgrade Visa is ineligible for use with XXXX XXXX - contrary to the below statement on the Rewards checking FAQ - " How do I access my money '' https : //www.upgrade.com/rewards-checking-plus/ " You can use your Rewards Checking Plus Upgrade VISA Debit Card wherever Visa is accepted. Its also easy to add your debit card to XXXX XXXX or XXXX XXXX so you can take advantage of contactless technology and pay with your device at participating merchants. '' I placed another call to Upgrade customer service on XX/XX/23 and upon pressing for escalation was notified this is a common issue, there is no resolution and nothing the team can do to assist and that my only option was to " keep trying and see if it eventually works ''.
Product: Checking or savings account

My account was close with the expectation of receiving a refund for the remaining balance. I was informed via email that a refund check would be sent to me of the account closure. However, it has been significantly past the promised timeframe, and I have yet to receive the check.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a CD that I used as a collateral for personal loan and I have been making payments and when it gets to a certain threshold, funds are released and deposit into my savings account. When this did not take place I contacted them numerous times and was given the runaround and w as at one point ignored via social media and was withheld from speaking to a manager wh en requested.
Product: Mortgage

The website to access accounts serviced by SLS has not been working properly. When customers try to log-in, it 's nearly impossible to access one 's account. This is dangerous, especially for customers who have opted to receive periodic statements and other documentation electronically. This has been a persistent problem for months now. Their website does not work even if you tried using XXXX XXXX, XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   has consistently been a problem.  XXXX   XXXX  TransUnion &  XXXX  has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents. Reporting false information and breaking several laws in FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been fraudulently reporting on all of my credit reports. I NEVER agreed to a loan with them, I simply applied for a refinance to my current vehicle and their response was to open a loan account on my behalf without even asking me if I agreed to their terms and without even telling me what their interest rate was. They sent me promissory note and check in the physical mail during this process, I was just waiting to see what my approval terms were, they would not tell me via their online messaging system or via email, stating that I would receive the info in the mail. I found it odd that I got a check in the mail and a promissory note along with instructions on how to change my title over instead of an approval letter FIRST. So I told them forget it, I do not want to proceed with an agency who does not know what they are doing ( this is not the first issue I had with them ). I never signed the note, nor cashed the check so I am EXTREMELY surprised to see that they are reporting on my credit reports!! I was wondering why I was getting denial letters from other car loan agencies stating I had too high revolving accounts, because I only have one car loan which I was refinancing for. So I check my reports and see it is because this " bank '' opened up a loan account and put it on my credit report! Now I have unnecessary dings on all three of my reports because of them! I have absolutely had it with this " bank ''! Which is why I am reporting them, so someone does something about their fraudulent actions.
Product: Payday loan, title loan, personal loan, or advance loan

The loan was taken out with XXXX XXXX on XX/XX/XXXX. My loan amount was {$3900.00}. I made all of my payments of {$680.00} from first payment starting on XX/XX/XXXX until last payment of XX/XX/XXXX. My car was still taken and when I contacted the company many times and went there many times for them to keep telling me someone will get back to you and no one ever did. I recently once again did the same the phone number is disconnected. The buisness is no longer around and the website is for sale. Now XXXX XXXX XXXX XXXX later MFG Financial INC XXXX XXXX XXXX is coming after me and saying I still owe money. How is this legal? This is the first time I am hearing of this. I was told by another attorney that they first filled XX/XX/XXXX more than XXXX XXXX after the last loan payment was made? Past the statue of limitations. I have tried to call so many places and I cant seem to get help with this. I even went to my bank to get proof that I made all my payments and the bank says no places can keep records past XXXX  years.
Product: Debt collection

Ability Recover was hired to collect a debt that is not mine by XXXX XXXX XXXX. Neither Ability Recover nor XXXX XXXX XXXX can prove that this is my debt. I have asked everyone for proof and nothing ... They keep sending me the same bill, but no proof. Please remove ALL collecting debt from my credit bureaus. This case should not be closed just because the collection companies respond. They need to send PROOF, not just a bill. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with Equifax in regards to the incorrect item on my credit report. It has been well over 30 days and I have not received any notice or investigation results. This account has recently ( XX/XX/XXXX ) been reported as accurate and owed without a response to my original certified mailed disputes. Again, I have filed several disputes with the reporting agency and asked the creditor to validate and verify the debt through mail. I also paid the amount owed in full ( XX/XX/XXXX ) in hopes of complete removal but all efforts to no avail. This action being taking by the collection agency violates my HIPAA rights because I never signed anything to give them access to my medical transcripts. The negligence of the reporting agency also violates my FCRA rights and has blemished my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car loan with XXXX was supposed to be paid off by XXXX, but due to covid, they extended the monthly payments until the loan was paid off. I paid the final monthly payment in XXXX. There were accrued fees that were never incorporated into the monthly payment. I have continued to make the monthly amount and had a balance of XXXX dollars. I was told the payoff amount and until when it was good. I just received notification that they reported my account as last due by 30 days. I was never notified that I needed to pay the fees by my last due date. I was told if I made the Monthly amount then it would extend each month until paid. I have already requested that the delinquency be removed from my report. I had my father cosign this loan years ago- and this is absolutely ridiculous that they are reporting the final XXXX dollars in fees as late. I was never told that if the entire fee balance was not paid by last due date that it would be considered late. I have paid the balance and I want the delinquency removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

information was compromised during the massive 2017 XXXX data breach, my ' private information, including names, Social Security numbers, dates of birth, credit card numbers and driver 's license numbers. I had Credit monitoring which seem to not help ive paid for Bureaus to alert me and Ive been lock out account made me economic deprived from loan if I need to seek financial help due to my credit I havent got to open and enjoy my credit because of the mess thats been going on for years of debt I hadnt accumulated Im a victim Ive took you guys to court which some due to my email being Compromised I lost a lot of documents I couldve helped me during my court process of me already being the victim of identity theft/data breach the increase that you guys have still havent approved my credit score is a four theres a lot of suffering
Product: Vehicle loan or lease

A loan was taken on a vehicle and I have paid well over 100 % in fees ( apr and additional cost ) vs the price of the vehicle. I am in the military and it seems there is no protection from this predatory loaner
Product: Credit card or prepaid card

In XX/XX/2023, I notice several charges on my apple credit card from multiple venders that approximated a total of {$6000.00}. The first charge was on XX/XX/XXXX and the last was on XXXX XXXX. I submitted my first fraud report to Apple on XX/XX/XXXX, but they did not freeze my card. The charges continued until XXXX XXXX when I finally was able to get Apple to freeze my card. I submitted a fraud report for all the charges adding up to about {$6000.00} and after an initial investigation, Apple told me the charges were verified. When I went on some of the websites from the charges, many of them were from overseas stores and some I could not find at all. I submitted a dispute to Apple for all these charges again on XXXX XX/XX/2023. The dispute findings have not been finalized yet. I did my due diligence in informing Apple as soon as I saw the charges but because they did not take proper steps, there were additional charges made to the card. The credit card fraud I have experienced is very significant due to their lack of due diligence. The pattern of purchased made on my Apple Card is clearly a pattern of fraud. I have never purchased from any of those venders before, or made charges in that amount to any of my cards. I am requesting this issue be looked into as it has severe financial repercussions for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently denied a car loan due to the credit scoring model used by Sagestream LLC. My FICO scores with the 3 major credit bureaus are all above 760 and I received a denial letter from XXXX XXXX   stating they could not approve me for an auto loan due to my credit score obtained from Sagestream.  They provided a score of XXXX, MORE THAN 200 POINTS LOWER than what the big 3 credit bureaus have on my record. There are numerous complaints about this company 's fraudulent credit scoring system and I would like to add another complaint to the list. If the credit world had to rely solely on Sagestreams credit model, most of us would not be able to finance anything. This company is a scam and should not be providing such ridiculous and fraudulent credit scoring to companies such as XXXX and many others.
Product: Credit card or prepaid card

Ive been a customer for over 5 years never had an issue. This card was secured with my own money and lost some time ago. At the time of loss there were 2-3 unrecognized charges the reps advised they would apply a credit of the secured balance to the account and I was not responsible for the amount being dispute which was minimal. I was advised to make a payment for the difference which was done and then the remaining XXXX  out. 

In late XX/XX/2019 I was advised this account was XXXX  out and is cancelled so nothing further is required. I have never been late and I have contacted the company on numerous occasions advising of my continued dispute. They are still pursuing this and attempted to collected twice as much that was even due at the time of this previously dispute. 

Filed an executive complaint at which time the rep advised no payment was due during the dispute process as that was exactly what was being disputed and they stated this would be handled internally. XXXX and XXXX should have been covered by Covid 19 disaster assistance according to their reps. They applied for XXXX and then again towards XXXX as they could only do one month at a time. Then on XX/XX/XXXX they contacted stating payment was due despite multiple conversations of the contrary Since they continuously act maliciously and have improper billing practices I just paid the entire balance in full to be done with them completely which again which was double what was ever showing on here then they said it was extended for XXXX and XXXX only to report past due on credit reports. Given the exceptional payment history on the account in terms of on time payments the continued efforts to resolve I will be seeking legal if this is not fixed on my credit profile and a portion of not all of the balance is returned to me People do not pay on time for 6 years then make efforts to communicate and set arrangements for covid 19 still being engaged even despite absolute disagreement only to be XXXX  over.
Product: Debt collection

XXXX/FORTIVA is reporting negative information on my Credit Report on a debt that does not belong to me. This is a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Credit reporting or other personal consumer reports

Company Information : Company Name : XXXX, XXXX, Equifax Complaint Details : I am filing this complaint against XXXX, XXXX and Equifax for their failure to remove incorrect and unrelated addresses and names from my credit report, despite multiple disputes and verbal confirmations from their agents. 

Issue Summary : 1. Inaccurate Addresses on My Credit Report : o The only correct address associated with me is : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. 

o The incorrect addresses I requested to be removed are : 1. 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 Incorrect Names on My Credit Report : o The only correct name associated with me is XXXX XXXX XXXX. 
o All other names listed on my credit report are incorrect and should be removed. 
1. XXXX 2. XXXX Steps Taken : 1. Initial Written Dispute ( Over 60 Days Ago ) : I submitted a written disputes to XXXX, XXXX and Equifax more than 60 days ago through regular mail. In this dispute, I requested the removal of incorrect addresses and names from my credit report and provided proof of my identity and correct address ( government-issued ID and utility bill ). I did not send this letter via certified mail, as I trusted that the companies would act on my request. However, I never received any written confirmation, and no corrections were made. 

2. First Phone Call ( Over 30 Days Ago ) : I called all three bureaus XXXX, XXXX and Equifax after noticing that no action had been taken. I spoke with agents who all confirmed that the information was incorrect and assured me that it would be removed immediately. I did not document the agents ' names or employee numbers, trusting their words. Despite this, no updates were made to my report. 

3. Second Phone Call ( 15 Days Ago ) : After still not receiving any updates or corrected credit reports, I made another phone call 15 days ago. The second sets of agents also apologized for the delay and assured me that the corrections would be made right away. I was promised an updated credit report within 7-10 days, but I still have not received any response, and the incorrect information remains on my credit report.

4. Recent Credit Report Check : I recently checked my credit reports again, and the incorrect addresses and names are still listed. No action has been taken despite the assurances made by the XXXX agents. 

Reasons for Lack of Documentation : I did not submit my disputes via certified mail, nor did I document the agents ' names, because I trusted that the representatives would act on their promises and correct my credit reports. Given the repeated failure of XXXX, XXXX and Equifax to do so, I now realize the importance of these steps, but this should not excuse Experians, XXXX 's and Equifax 's obligations to follow the law and resolve my disputes within the legally mandated timeframe. 


Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Once again this pig of a bank decided to change their website without warning and are now preventing me from logging in. I went to log into my accounts today the EXACT SAME WAY I have always logged in and their useless website takes me to a page to activate my card. I don't have any card that needs activating. I called their useless, untrained outsourced customer lack of service and they kept asking me about an ATM card or debit card I do not have, have never had, and have ZERO need for. I tried entering my credit card info on the website and it told me it activated and then brought me back to the same screen asking me to activate my card. I have no way of accessing my XXXX accounts, credit card or Savings. Their customer service kept me on hold for an hour, but was otherwise useless. This bank is disgusting and pathetic. They continue to make ridiculous unexplained changes to their website without notifying the customers and prevent us from access or using our account due to their incompetence
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Credit Card Services Failed to send The requested original signature of the delinquent account they are abusively reporting to the major credit companies as requested. neither has the credit bureaus responded to any dispute letters. 

The Customer service agent XXXX has said there was no record of this account AFTER speaking with the wells fargo advocacy team. 

Here is the recorded conversation proving they have violated all of my rights as a customer. 

Please have them delete this debt for failing to provide the original signature.