23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have not used this card since XX/XX/XXXX, paying the balance in full on XX/XX/XXXX. When I logged in on XX/XX/XXXX to see that everything was in order, I saw a balance of {$150.00} and a notice that my account was " past due. '' The accrued charges include several from a fraudulent company called XXXX, who I first reported and disputed on XX/XX/XXXX. American Express decided the dispute in my favor and acknowledged the charge was fraudulent, but DID NOT replace my card or change my number, and failed to block future charges as I was charged again the next month. After much correspondence, American Express finally agree to block this company, yet now it seems I have continued to be charged and American Express has apparently reported me for late payment at their own error. The charges also included fees, due to the banks own error, and an additional fraudulent charge using my card - likely initiated by this same company. Since XX/XX/XXXX I have repeatedly attempted to dispute the charges and report the fraud, but have " encountered an error ' on every single attempt and have been put on ridiculously long holds every time I've tried calling.
Product: Debt collection

A company called XXXX XXXX with an employee named XXXX XXXX are attempting to collect a debt against myself which has exceeded the statutes of limitation, on an account from discover card that dates back to XXXX with the last transaction date of XXXX when I was living in Missouri. XXXX XXXX and the staff at XXXX XXXX have been using harassment tactics over the phone, to include screaming at me over the phone, refusing to provide legal documents of proof in writing of the debt, threatening tactics of lawsuits without actions or causes. I offered to make a settlement to stop the collection calls and because I have very little information on this account I would like more information in writing. XXXX XXXX then raised his voice and starting telling me that the offer I made was rude and starting telling how I should behave at which my heart started beating. I told him that the Statute of Limitations they were threatening to sue me over were exceeded ( they stated the last account activity was XXXX ) and had been exceeded. I then explained that I had just had XXXX and was not working and I was unable to pay the full settlement amount they were asking for of {$2000.00}. I asked if he could settle for a less amount to stop the collection calls and I was told no that they had decided to go ahead and take me to court because he could file a Tolling agreement. I asked on which date he was going to take me to court and he said the XXXX. I asked him on what month the XXXX and he told me to stop changing the subject and would not give me the date. He then said he was going to garnish my wages and get a lien/levy against my house. I asked him to send all of his correspondences in writing from now on and he stated that he would not send me anything in writing. He also stated that I had enough credit available to pay the alleged debt in full. I asked him if I could record the conversation because he was yelling at me and he said No that any lawyer in his right mind would not allow some one to record them. At the beginning of the conversation He did ask if I had an attorney present and I stated no that is when he raised his voice and started telling me about how I should act.
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.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 




5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 


11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.
Product: Student loan

On XXXX XX/XX/year>, I received notice that my loans were being transferred from XXXX to EdFinancial on or about XXXX XX/XX/year>, and that if it was not transferred as planned, I would be contacted by XXXX. Between XXXX XX/XX/year> and XXXX XX/XX/year>, I attempted to register an account with EdFinancial and was unsuccessful as their website says I don't have an account with them. I called EdFinancial on XXXX XX/XX/year> attempting to determine how to pay the loan, and their response was that I don't have an account so no payment is due. I contacted the XXXX Department, who stated that my loan is in fact with EdFinancial and that I can pay through them. I again contacted EdFinancial, who said that their systems haven't been updated on time to process the account transfers. EdFinancial said that there wouldn't be a payment due until the account was updated and that this shouldn't affect PSLF counts, but couldn't provide any documentation that this was true. They also stated that there was no way to accept a payment as they don't have my account. However, the Education Department 's rules state that servicers must work to process payments during loan transfers. 

During this time, my account will still be gaining interest and because my loan was not paid on time because of EdFinancial not processing loans into their system, I don't see how a payment made once the system is updated will count as an on time payment for the purposes of PSLF. I also take issue with the fact that my account will be garnering interest during this time as I've been prevented from paying my account. I also can't use the mail-in payment option because that requires listing the account number, which EdFinancial has not provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon analyzing my updates, fallacious information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX - Date of inquiry XX/XX/2021
Product: Debt collection

Portfolio recovery service has called me EVERYDAY for the 2 weeks. They have been calling me for months but just recently they call me everyday multiple times a day. I have called and spoke with a supervisor, I have asked each and every employee that called me to stop calling/ put me on the do not call list/ remover my number, whatever needs to be done. They will not stop harassing me regardless of what I say to them. I would greatly appreciate it if they would not call me ever again.
Product: Bank account or service

I have a checking account and saving account with Chase. Chase customer service informed me that when my account is overdraft, i have until XXXX PT to deposit and cover the overdraft. 
When i opened my account with Chase they suggested i opened a savings accounts and checking account so i do n't have all money in XXXX account and connect them online so i can make the transfers accordingly. The bank will posted payment on my checking account and if i do n't have the money i have until XXXXXXXXPT to make the deposit. The reason that I have a savings account is to transfer money from this account and keep my checking account with a daily balance for security reasons. What they did n't say is that they overdraft your account at midnight saying that the payment went the day before but no payment was posted in your account so you do n't know until they charge you Usd XXXX for each overdraft. this has happened several times during last 12 months and the respond is the system made the payments at midnight. Last week they took usd XXXX on the same day, Usd XXXX for each transaction and in one year Usd XXXX. I spoke with an agent Friday XX/XX/2015 and explained that my account was n't overdraft at all the day before so how can they charge a customer for something that did n't know and did n't happen in my account. No explanation they only said that the system does this automatic. I expect that they refund all my overdraft fees and stop taking advantage of the customers. thank you for your assistance.
Product: Debt collection

AFNI has called me 18 times since XX/XX/XXXX. 5 of those 18 times were before XXXX on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. 
I have not received any letters that explain what this debt is or who it belongs to. They have never left a voicemail to identify themselves or what the nature of their call is. I believe this debt belongs to whoever had my phone number before me. 
My credit report shows no debt and I do not have any other debt.
Product: Mortgage

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan number : XXXX Hello, I'm filing this complaint, against LoanCare, as I have been unable to move my request for a loan modification foreword in any manner whatsoever. 

My first attempt to resolve my foreclosure began in XXXX of 2019. I submitted all required documentation and nothing happened. LoanCare simply let that modification request lapse. 

My second attempt to resolve this matter with them began on XX/XX/XXXX and submitted ALL required documents, for review on XX/XX/XXXX. I WAS able to confirm that the documents were uploaded on XX/XX/XXXX, but they were unclear as to which documents were actually recieved/missing. 

Since then, I have not been able to get a straight answer from them on any question that I have, whatsoever. I have contacted them over a dozen times in the last 30 days - all to no avail. 

I need your assistance in getting them to formally engage me and conduct a thorough and legal review of my request for modification. My ex caused a very serious financial issue with me, which is my reason for falling behind in the first place. That issue has been resolved, I have more than enough income to support returning to making my payments and I'm simply trying to do the right thing. 

Please assist! 

Thank you so much..
Product: Debt collection

Credit Protection Association reported a collection on my credit report without ever giving me a right to dispute. 

When they finally mailed me a notice, it contained an account number that is not listed in the original creditor 's system.
Product: Checking or savings account

DISCUSSED AND TREATED TO HAVE ANOTHER BANK IN MY NAME AND TOLD ME THAT I HAVE AN ACCOUNT WITH THESE BANKS THAT ARE REPORTING TO ME WHICH I DO BUT IT IS NOT SO I DO NOT HAVE NOR EARNED IN THE PAST WITH THIS BANK SOMEONE ELSE USED MY PERSONAL INFORMATION TO MAKE ACCOUNTS ON MY NAME ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This another CFPB complaint was for the fraudulent inquiry that was currently reporting in my Experian credit report. Again, as a consumer protected under the FCRA, I have the right to accurate and up-to-date credit information, and I request to the EXPERIAN CREDIT BUREAU that my rights be respected. Once again, it is obligatory that this fraudulent inquiry was fully removed immediately from my Experian credit report. I request the inquiry be immediately removed from my credit report : EXPERIAN : XXXX XXXX XXXX XXXX XX/XX/XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block and remove any items not later than 4 business days after the recent letter dated ( XX/XX/XXXX ) was sent. It has been over several months since I initially reported these issues, and I have not received a satisfactory resolution. This delay has resulted in significant financial harm to me.
Product: Credit reporting

My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 

XXXX XX/XX/2015 Banking XXXX XX/XX/2015 Banking XXXX XX/XX/2015 Banking I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.
Product: Debt collection

I am a small business owner of a XXXX. I have been doing business with a particular vendor for about a year, since I have been open. I have fallen on hard times and have not been able to make payments on my invoices, by the same token, I still have a lot of the shoes still sitting on my shelf. I finally had a little bit of money and was willing to pay in good faith, as well as negotiate taking back some shoes ; however, yesterday afternoon, a man by the name of XXXX ( it keeps changing ) from the Contract Resolve Group called my store and proceed to harass my employee. I was not even aware that my account was going to collection, let alone have to deal with such inhuman behavior. This gentleman has spoken some of the most vulgar things I have ever heard. IN addition he has called my store at least XXXX times in the last 24 hours. Today it got so bad that we had to take the phone off the hook ( and we are a place of business so how practical is this ). He has threatened legal action and has even started calling my other job ( I am a XXXX ). His email are also harassing and his calls are outside the XXXX XXXX call window. I am at my wits end. All I want is to deal with my original vendor and come to some sort of agreement. This gentleman is scary and dangerous. I refuse to deal with someone who exhibits such unprofessional behavior. I am contacting you because I am hoping you can help me. I have contact the BBB ( which has already recorded XXXX complaints similar in nature against this company ). 

I am not a dead beat, just a small business owner with some financial difficulties because of a slowdown in business. I would appreciate and would be indebted to you if you could do something about this situation. Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OF THE ATTY XXXX XXXX CHILD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
PROTECT YOUR HOME XXXX XXXX XXXX XXXX 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 am tired of the run around I have been getting since XX/XX/XXXX when your reps sent me to a voicemail that was full and finally about to get to XXXX XXXX on XX/XX/XXXX. You all contracted loss prevention services who refuses to contact me never call me or anything. XXXX in fact stated there is pictures of me giving yall the car clean and I have a maintenance report showing the car was in working condition upon repossession and that the photos show damage to the car once received in XXXX. You contracted loss prevention services so you are responsible for their negligence of not hiring a good company to protect your assets. I am disappointed in the run around I am getting. I have posted my story all over social media and have taken it to consumer reports to be published as this is not ok. all I asked was for the car to be paid off or fixed. Now i will be suing you and loss prevention services
Product: Credit reporting or other personal consumer reports

In 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. 

DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$34000.00} DOE XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5500.00} DOE XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$6100.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$41000.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$6400.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$210.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$41000.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$38000.00}. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX XXXXXXXX with account # XXXX and a balance of {$27.00}. The original creditor is XXXX XXXX. 
XXXXXXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there. And some of them are reporting inaccurately and are fraudulent account.
Product: Credit reporting or other personal consumer reports

I DONT THINK THAT THE COMPANY REALLY READ MY DISPUTE ALONG WITH THE ATTACHED INACCURATE CREDIT REPORT SHOWING THE INACCURACIES. LETS TRY AGAIN. PLEASE REVIEW MY ATTACHMENTS For the past 24 months i have submitted certified letter dispute pointing out to the company XXXX FCRA violations yet they refuse to remove the in accurate information and account. I have even seek the CFPB assistance and the inaccurate accounts remains. For the last time please take a look at my attachment and follow along : Item # XXXX XXXX # XXXX REFORTING TWICE iTEM XXXX XXXX # XXXX Reporting twice XXXX. XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. Once again they reported the same account closed several times twice. closed on XX/XX/year>, closed on XX/XX/year> and reporting as XXXX seperate accounts on credit report : ( see the attached ) Questions : XXXX How can you verify the same account numbers reporting twice on a credit report? XXXX. How can you say you call the company and verified reporting inaccurate information? XXXX. How can you close the same account twice at the same time on a credit report? Item # XXXX XXXX XXXX XXXX XXXX  # XXXX I have never have an account or done business with XXXX XXXX XXXX XXXX. I have ask for proof but unable to receive a contract from XXXX XXXX XXXX XXXX, they have no record of me signing any contract with them. Yet the credit reporting agency keep verifying inaccurate information and refused to delete. Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Inaccurate information I now have enough credit reports to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. Rather than wasting time on a lawsuit i keep pointing out these errors yet they refuse to remove the inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit reporting agencies letting them know the inquiries and accounts are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is Aggravated Identity Theft 18 U.S. Code 1028A
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never applied for these items I called Transunion told i sent in a dispute they have my police any other information they need they have they acting like they cant do nothing im in the process of trying to get me and my family house. So whatever you guys can do for me would be thats getting these items of my report so i can live my life me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC identity Theft Report is attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my written authorization to any 3rd party affiliate CRA to share my information with the following firms ; please be advised that without consent, identity theft occurs, and I have a right to privacy : XXXX XXXX Dept. of Education XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX
Product: Debt collection

To The CFPB : XXXX My office has been receiving threatening and harassing calls form an alleged debt collector FEDERAL PACIFIC CREDIT. My office has received XXXX calls stated '' you must call us now XXXX, regarding a case number, " it is imperitive you call now, XXXX XXXX ''. I learned form calling this so called company back it is in regards to a predatory credit card that I had over 7 plus years ago, which was cancelled as I was legally advised to do called TRIBUTE CARD. This guy stated there is {$1300.00} in fees alone and more. A closed credit card even predatory can not charge fees on a closed account as per the FCRA. 

Under the FCRA this card is PREDATORY and I owe nothing to this predatory card, nothing. Secondly, it is over 7 years and this questionable debt collector with a very questionable website at http : //www.fedpacific.com in XXXX XXXX XXXX XXXX They gave my home address, asked for mailing address and called me XXXX. 
I never go by XXXX as well. 

My office checked the owner or a so called Executive is XXXX XXXX. My office learned as well under Rip Off Report this alleged company buys outdated debts from predatory credit card companies. 

My office was legally advised to file this complaint, if the harassment and threats do not stop, my office will take legal action to stop it on XXXX XXXX and her alleged Federal Pacific Credit Collections. 

Thank you XXXX XXXX, petitioner
Product: Debt collection

I purchased a vacuum cleaner in XXXX that was financed by United Consumer Financial Services. I made more than 24 monthly payments via automatic withdrawal. I subsequently lost my job and was unable to continue my payments. On XX/XX/XXXX, I received a letter from the creditor that stated " If you can make the next four payments on time, we will bring your account current. This will stop the accrual of late charges on your account, although it may increase the total amount of interest paid on the loan as well as the length of your loan. '' Because I am again employed, I immediately enrolled in automatic payment withdrawals, effective XX/XX/XXXX. I have made 5 successful timely payments, and the creditor has failed to bring my account current as promised! They have intentionally inflicted additional financial harm to my credit profile. This derogatory alert on my credit profile is preventing me from realizing financial goals that I have set. 

I pray for relief from this unscrupulous creditor.