23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have received the reinvestigation dispute results for my very detailed dispute that I sent with supporting documentation, however, those items were still verified as accurate. I am questioning your investigation and if you even conducted a reasonable one. 

To this day, despite my requests I have not been given a copy of my most recent dispute results. On Thursday the XXXX, I spoke to a representative named XXXX and he assured me that this issue would be handled swiftly and I would receive my dispute results within a few days. However, the time frame has passed and I did not receive any correspondence from Equifax. 

Please send me a description of your reinvestigation procedures for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I responded to the company disputing the information regarding the collection account, and they did not reply. Rather, they sent a letter suggesting they could sue me if the debt was not settled. I have read many articles and statements about this company, and am aware that they use both illegal tactics and often avoid responding to letters that challenge the validity of its claims.
Product: Credit card or prepaid card

I was involved in a military scam. The scammers were supposed to be paying back money that I would d o cash advance  and put in an " agent account ''. The payments were being pulled back. I was unaware. I would co ntact Chase to see if eligible for cash advance. The sa id yes on each occasion. I had calls from their security department several times. I called back they asked if I made a purchase, I said yes. No one on all if these occasions told me payment being pulled back. They finally sent letters saying could n't reach by phone and I had spoken numerous times. I contacted once I realized that I was involved in scam. Payments made by scammer and account was supposed to be closed and no further transactions made. This w as  XXX   -17 final  payment made in  XXXX  -17. I a gain called  XXXX -17 to inform Chase that scammer had account in there bank name  XXXX   XXXX  and provided account #. I wanted to give them scammers then security person did n't even want to deal with me or take information. On  XXXX  -17  the scammers pulled back all the payments after account was supposed to be closed and secure.. I call  XXXX  -17. T hey wo n't listen or try to help. The {$24000.00} increased to {$31000.00}. If they had told me on any of the numerous phone conversation that I had previously that payments being pulled back, I would have realized scam earlier and would n't have been out if control. I called again  XXXX  -17 I di scussed complete situation and asked why they did n't protect my account like they were supposed to, they just filled complaint and said go to small claims court. The scammers is in California.. they accepted no responsibility for not taking me seriously when I contacted before. They had their money. I had called  XXXX  because I had informed them same thing. They assured me that wo n't happen to have payment pulled back because I had Informed of fraud, just like I did for Chase,. They locked account down and forward to their headquarters. Why was Chase so negligent with my account. I realized that I made mistake and tried to rectify with them before they lost money again.. They failed to take proper action after I kept informing them of scam to protect them and me and that scammer using their bank to scam people. They basically blew me off..where are you to get help if you contact the bank where there is problem and they do absolutely nothing. This is wrong especially when I talked to an employee on  XXXX  -17 an d I was basically told account was safe now that paid and closed down. Please help this is happening to many people. When I made deposit in " agent '' for scammers Account the teller said alot of people are depositing alot if money into this account. I have repeatedly tried to tell them this and they do n't do anything.
Product: Credit card

Aspire Credit card- unfair charges such as 36.99 % interest rate and charges high late fees and purposely won't post a payment after XXXX daily or weekends or holidays in order to charge a late fee ..very deceptive trade.
Product: Mortgage

XXXX XXXX VS. RMS XXXX, TX XXXX # XXXX ON XXXX XXXX XXXX XXXX. XXXX, OK XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ON XX/XX/20 RSM RECEIVED A PACKET OF INFORMATION CONCERNING OUR LOAN. WE HAD NOTICE A ERROR ON THE SIZE OF REAL ESTATE XXXX ACRES VS, XXXX ACRES. I CONTACTED THEM ABOUT THE ERROR AND SENT TO THEIR ATTENTION A SURVEY SHOWING THE TRUE SIZE OF THE RESIDENCE. THEY SAID IN A RETURN EMAIL THAT THEY NEVER GOT THE MAILING DESPITE THE FACT THAT IT WAS SIGNED BY THERE MAIL ROOM PERSONEL. SEVERAL PHONE CALLS WERE MADE TO THEM WHICH THEY THEN REQUESTED THE " LEGAL DESCRIPTION '' ( WHICH WAS ON THE SURVEY ). THEY SEEM QUIET SHORT WITH ME & RUDE WHEN QUESTIONED AS I HAVE A BUYER FOR THE PROPERTY AND ALSO WANTED TO PAY THEM TO CLOSE THE LOAN. I WAS TOLD IN AN EMAIL IN ORDER TO GET A " PARTIAL REAL ESTATE RELEASE '' I NEEDED TO SHOW PROOF THRU A SURVEY THE SPLIT OF RESIDENCE VS. PASTURE. I SENT 2 MORE XXXX DELIVERYS TOTHEIR ATTENTION. I WAS INFORMED THAT A " XXXX '' SUPERVISOR WOULD BE CALLING BUT DID NOT.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The issue is that they are not responding to me, and whenever I request a review for inaccuracies, they claim I am someone else, despite me providing all of my personal documents. As per the FDPCA and FCRA, all information must be validated and reported with complete accuracy, but that is not happening. 

I have attached a letter requesting them to validate and verify the information to ensure it is being reported with 100 % accuracy.
Product: Debt collection

TitleMax of XXXX, California disclosed my personal information to former friend of mine regarding my debt. They got this info off my reference document provided. I no longer speak to this person, until they contacted me and told me they were being harassed by TitleMax. They informed my friend that she needed to speak to me, where she was from and what it was regarding. Prior to this, a tow truck driver showed up at her house looking for me and the vehicle. Speaking to my friends father and disclosing more information about my debt and why they were there. 

I have made REPEATED attempts for them to stop. I informed them to come collect the vehicle and they refuse to do so. It is my opinion that they refuse to collect the vehicle to they can continue to keep collecting interest at high rates in hopes of getting this money later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I used to have a credit card with XXXX XXXX. Few years ago for non payment they took me to court and I didn't appear because I was sick and they won the judgment against me. They garnish the money from my bank account from the XXXX. This was in XX/XX/2020. Since then they have been reporting in my account that I still have {$360.00} past due which it's incorrect. As you can see my bank account attached I have paid more than {$1300.00}. Please update the system and delete this from my account. This has been reporting wrong information for the past XXXX years. XXXX XXXX has also reported that they written off part of my balance which is not true because I already paid it. There are different charges that were withdrawn from my checking and savings account and I have highlighted them. I already disputed with you guys and they verified the incorrect information.
Product: Debt collection

I received a notification this morning from my credit alert that a new account has been reported on my credit file. It states that I opened the account on XX/XX/21 but I was out of the country on this date. I have flight and hotel receipts to confirm I was in XXXX celebrating my birthday. 

When I called the company the representative spoke very little XXXX and kept asking me to make a payment while overtalking me. Would not verify any of my information, who the debtor was, just kept asking me for credit card information to make a payment. We are in the middle of buying a home and my credit reports have been frozen for a year. They were just unfrozen Monday and a new debt collection was reported today. 

From what I can see on XXXX the account holder is National Credit Adjusters , LLC the account number is listed as XXXX. It states it is a collection account with a past due balance of {$480.00} opened on XX/XX/21. The Original Creditor says The XXXX XXXX XXXX but I have never lived in Missouri
Product: Credit reporting or other personal consumer reports

I am writing you about the the misuse of my social security number due to the XXXX Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me.. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

4. Identity Theft XXXX & XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

5. Identity Theft XXXX  XXXX XXXX  NA Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

6. Identity Theft BANK XXXX XXXX Account Number : XXXX*** This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

7. Identity Theft XXXX XXXX TAB BANK Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

8. Identity Theft XXXX XXXX BANK Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

10. Identity Theft XXXX XXXX BANK XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate a
Product: Debt collection

I was sent a letter stating that I owed a debt for medical care I never received
Product: Student loan

I called and talked with Firstmark customer service a few weeks ago about military benefits ( Servicemembers Civil Relief Act ). I told customer service that I received an e-mail that stated, " XXXX XXXX is not indicated in orders. Please provide your most recent XXXX XXXX orders for secondary review ''. I explained the situation and told them where they could look for the words XXXX XXXX on my orders. I ended up getting put on hold several times for the duration of an hour. Every time I was put on hold there was a different explanation. I was told that I had to be current XXXX XXXX, but when you look at the website it states, " If you are currently serving or have served on XXXX XXXX ''. Then I eventually got hung up on. I called back and talked, to another customer service rep and was told to resend my orders and highlight the part that says XXXX XXXX. I sent my highlighted orders and a screenshot of their website. Its been over a week and still no response. On XX/XX/12, I called Firstmark Services to follow up on what was going on with the response to my Servicemembers Civil Relief Act, and was told that I had to be currently on XXXX XXXX, which is not what their website says.
Product: Mortgage

I have been getting unwanted sales calls from my mortgage company, Freedom Mortgage. They are trying to pressure me to go further into debt with them by taking out a second mortgage or a home equity loan. I told them that I did n't want to receive these sales calls, but they keep calling anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I mailed a letter to Equifax demanding all documentation regarding a collection account on my file with their agency, pursuant to 609 [ 15 U.S.C 1681g ], and clearly stated in my communication that this was not a dispute, but a written request for information in my file. Equifax processed this matter as a dispute, failing to provide the requested information. Even though I view this as nothing more than a stall tactic by the company, Equifax is in willful non-compliance with the Fair Credit Reporting Act. I have attached a copy of the original communication for information purposes. This account should be removed from my file immediately upon receipt of this complaint.
Product: Student loan

In XXXX, I faxed my PSLF application to XXXX XXXX XXXX as was written on my appication. I called a few days later to make sure they received it and was told that I needed to give 30-60 days for processing. In early XXXX, I still had not heard anything from them so called and sat on hold for hours without speaking to a human. I called back and the automated system asked me some information but just kept looping and never giving me the option to speak to a human, only suggesting I access my information on the the Mohela website. I went to the website and it said I did not have an account so I tried to create one. It would not let me create one because they said I do not have an account with them. So I called my XXXX XXXX, XXXX, and was told that the PSLF was switched to Mohela in XXXX and there was a different fax number than the one I had, originally, sent my application. So I faxed the application again to the new number, I even faxed a couple times just to be on the safe side. I tried calling again multiple times over the next few weeks and the same thing happened again where it asks info and then just keeps looping without the option of speaking to someone and referring me to the website. So on XX/XX/XXXX, I went to the post office and requested the quickest way to send with multiple levels on confirmation that it was received. I have tried calling again and the same thing. I tried calling the Federal Student aid number and sat on hold for XXXX minutes and then they hung up.The deadline for the PSLF app is XX/XX/XXXX and I can not get anywhere with this company.
Product: Student loan

Fedloans has not updated my payment counts toward XXXX despite me receiving an email that my payment counts are expected to go up. Further, they sent a letter that warned against consolidation of my loans saying my payment counts would start over when in fact a waiver law went into effect XXXX that says we must consolidate to get highest payment counts. They are sending false information so that I miss out on being eligible for forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I was contacted by LJ Ross and Associates regarding an unpaid utility bill. Upon hearing of the debt, I immediately disputed it's validity. My home was foreclosed on XX/XX/XXXX,  however the new owner never took over the electric account. I was billed through approx XX/XX/XXXX for the electricity on a property that I did not own or occupy. I was unaware of the billing situation as the bills were being sent to a property that I did not live in. I sent LJ Ross & Associates a copy of the foreclosure dead, and made them aware that in the state of MA, I was not responsible for an electric bill for a property that I did not live in. 
LJ Ross and Associates continues to try to collect on this debt, even though complete proof has been shown that this is not a valid debt.
Product: Mortgage

Superior Loan Servicing is the servicing company for my loan. The lender, XXXX XXXX, was matched with me through my loan officer. The lender hired Superior Loan Servicing to handle my loan. The lender contacts me via text messages, email and phone calls unbearably. He is rude to me, embarrasses me, harasses me, threatens me and is very annoying. I had a fire on my property and my insurance sent the repair money to me and the mortgage company. The lender is micromanaging me and harassing me during the repair process. He threatens me with timelines and I dont know how legal his behavior is, but I know its not professional.
Product: Debt collection

Submitted complaint on or about XX/XX/23 it has been over 30 days and I have not received a written validation/ contract containing my wet ink signature ( Failure to transmit statement 1637 ( b ). XXXX XXXX and Caine and weiner are in violation. Both entities are in Default and Dishonor.
Product: Debt collection

Their pitch : " We Guarantee You're Going To Love It! Samples are great, but we're happy to go a step further. Our first-time customers have the opportunity to inspect our product up close and personal with zero obligation to purchase. '' XXXX XXXX XXXX solicited me about a commemorative plaque. It was sent as a courtesy review, I was traveling and never opened it. I was not interested but it was already delivered. I called to decline and was told I had it over the preview time frame and they demanded payment or I would be sued. I was disturbed by their aggressive behavior and the need to make me feel obligated for a service I did not request. I asked if they would order a return label via XXXX XXXX and they refused with the continued mantra of demanding payment, first with a deep discount and trying to negotiate a lower rate. I was not interested and was clear about my decision to reject the item. 

Then sent an invoice for the full amount. Soon after the letters from XXXX XXXX XXXX, came the calls and correspondence from Transworld Systems. I attached a letter dated XX/XX/2019, outlining the events and the proof that the product was returned unopened. 

It seems that XXXX XXXX XXXX uses bait and switch tactics to force a sell. I am appalled since the target seems to be women business owners who are recognized for awards. I would never do business with a company who forces products and services on anyone. I found the unprofessional, unethical and aggressive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 Section 602 A states I have the right to privacy ; 15 U.S.C. 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my prior written consent. I have not consented to this transaction ), the following listed accounts have violated my rights : XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX USDOE/XXXX Acct # XXXX USDOE/XXXX  Acct # XXXX USDOE/XXXX  Acct # XXXX USDOE/XXXX  Acct # XXXX USDOE/XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  # XXXX XXXX Acct XXXX XXXXXXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX
Product: Checking or savings account

So I been calling navy federal for a week reagarding a family member check that was deposited in my account I was at a branch in XXXX Georgia and I brought the people in to prove verification it was verify from what the bank teller told me which allowed me to make a withdrawl and the wait time was two hours so I decided to leave now they want them to reverify again and my relatives do not stay with me I work one of them not feeling good they make it impossible to get remainder of funds they two security teams officers personally close my account for the 4 time this week. These two was very unprofessional one of them was a XXXX and she did not have permission to call them after I told her my situation she ask me very personal questions I felt like I was getting interrogated. She cost me great mental anguish and emotional distress. Her name is XXXX security XXXX XXXX And XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX to verify the company received physical documentation I filed for bankruptcy and have a bankruptcy case from the state of New Jersey. XXXX has not provided this documentation from the state of NJ requesting for XXXX to report this information on my credit report. Instead, XXXX responded by explaining they are currently reporting hearsay, per report number XXXX dated XX/XX/2022. 

Instead, XXXX continues to be in direct violate the law consumer 's right to privacy, per 15 US Code 1681A 4.