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

In XX/XX/18 I made a purchase on my credit card in the amount of {$61.00} for a company called XXXX XXXX. I learned today the company is out of business and is ceasing operations. I had an order for chicken to be delivered but since the company is out of business it will not get delivered. I would like to also add that the representative would not let me explain is that XXXX kept delaying my order so my intention was to cancel because I will not be available to pick up on that date. Again because the company is out of business I can not contact them - their phones are shut down. So Bank of America advised me Im just supposed to wait around- this is my money that has been held up. Im really frustrated with Bank of America just not listening to the full story. I use this card for the low rate but no more. I for once just want them to be on the side of the consumer. I am not done with this and I will not lose my money over BofA not listening to the customer. I did hang up on the representative because I was tired of her talking over me it was clear I was getting no where.
Product: Credit card or prepaid card

On XX/XX/2019 we purchased a service with XXXX XXXX XXXX XXXX ( also known as XXXX   XXXX XXXX XXXX by XXXX XXXX ) for our group of 23 people to go to various islands and snorkeling activities out of XXXX. The bases of the dispute is that XXXX XXXX XXXX XXXX took us to 1 island only and did not follow thru with the itinerary that had been planned out. Most of the conversation was over the phone. At the end of the day with much confusion XXXX XXXX XXXX XXXX charged my card {$4400.00} for services NOT rendered. This is the cause of the dispute. I tried dealing with XXXX XXXX XXXX XXXX and they were not budging on refunding us partial payment due to not following the itinerary that had been planned. So I then went to my Credit Card Chase Sapphire Dispute Department to resolve the issue. After many, many phone calls and months of dealing with this dispute, our Credit Card has sided with XXXX XXXX XXXX XXXX word over ours on what went on that day. Basically XXXX XXXX XXXX XXXX has continuously lied about the events that day and even said they gave us a credit which was also another lie. I have spent so much time on this and can not believe that we as customers with a very good history have to deal with our Credit Card on this level. 

There was another large group lead by XXXX XXXX on this excursion who also felt they were not given what was promised. That group also disputed the charges and was refunded the money by their Credit Card company. 

On the attached PDF pages 12 -14 give details of what went wrong that day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent Experian, XXXX and XXXX dispute letter and an Identity Theft Victim 's Complaint and Affidavit pertaining to a XXXX XXXX XXXX XXXX account and XXXX XXXX XXXX XXXX XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX responded by deleting all XXXX items from my report. I never received remedy for the damages.
Product: Debt collection

On XX/XX/XXXX I initiatied an auto insurance policy with XXXX XXXX XXXX for my automobile financed. A couple of months later I added a paid for vehicle to my policy. On XX/XX/XXXX, I contacted XXXX and informed them that I was selling the used vehicle and I didn't need auto insurance anymore due to me not having a vehicle. The customer service agent then notified me that Tennessee law requires residents to have automobile insurance regardless of ownership. Nevertheless, I was not in a position where I was going to pay for auto insurance on a vehicle which I no longer owned.I informed the agent to cancel my policy and send me written notification of the cancelation request in question. I never received written confirmation of the request in question and I received notification from Caine & Weiner Associates that they were attempting to collect debt on a satisfied account. The Fair Credit Reporting Act { 15 U.S.C. 1681 ] ; states that ( 1 ) The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Student loan

I have filed a Misconduct Discharge Application detailing the misconduct associated with XXXX XXXX XXXX which resulted in the class action lawsuit in XXXXXXXX XXXX Dept of Education which I was a class member. My borrower defense application was processed as a result but my private loans still remain associated with fraudulent misconduct by the educational institution. To date, I have yet to receive a response from XXXX other than to acknowledge receipt of the discharge application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry from XXXX, i did not authorize
Product: Debt collection

The following account has just shown up on my XXXX credit report... AWA Collections not only is this account completely fraudulent and not mine, its also as of 3 months from now not even legally collectable here in the state of California. This is the first I have even heard of this supposed debt four years later!

That is unacceptable as all of my contact information is public and its very easy to get in touch if there is a legitimate debt. This account should be removed based on the California law alone, however it is also in violation of the following federal laws. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 602 A ( 2 ) It also states a consumer reporting agency can not furnish an 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 seven years. 15 U.S.C 1681s-2 ( A ) ( XXXX ) 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.

Again I never had the chance to speak with this collection agency or the original creditor to validate this supposed debt. XXXX was the first month is the first time it has shown on my credit report I know this because I check all three bureaus every week. This is a very unacceptable way of doing business and for that and the above violations this account should be deleted from my report immediately. Both the California and Federal laws are attached below.

I have mailed letters to comapny and disputed and they refuse to remove off my credit report.
Product: Debt collection

I was admitted to XXXX XXXX earlier this year for shortness of breath. I am on XXXX and XXXX Supplement Insurance so I provided my cards expecting to have everything fully covered. Many tests were run, xray, scans, blood tests etc. I was released later that same day. Weeks later copies of the bills came through with everything seemed to have been paid, but the billing is confusing as every charge is split into components to match arbitrary rules on billing by the government and insurance companies. I also received bills from various departments. It turns out one bill was not consolidated with the others by the hospital and they charged me separately. I spoke to the hospital and they said they would resubmit. Next got a collection notice from XXXX XXXX syste that they plan to send my account to collections. I called and explained that my insurance should have covered it all and they ask me to send a copy of my insurance cards and they would resubmit. I sent photos of the cards XX/XX/XXXX. XX/XX/XXXX notice from XXXX that my credit score dropped 40 points because XXXX XXXX XXXX has reported collections. I called ask why I was not notified by mail or email and they said they did not have to. Demanded I pay first and then they will try again. They claim they can not see the attached photos in my last email. I paid them to get my credit score back. Their web site has a consumer site that is not operative. My complaint is why is the consumer put in a position of defending their position. XXXX XXXX should have done a better job with the paperwork and never have partnered with an unprofessional company as XXXX XXXX XXXX for collections when the hospital was at fault and XXXX follow up was not professional and lack of results was due to their own inadequate equipment. I used iphone photos, and also scan from Brother copier.
Product: Student loan

I am engaged within the PSLF program. My loans are currently being managed by MOHELA. MOHELA has incorrectly categorized one payment period ( XX/XX/XXXX ) as " ineligible, '' despite categorizing XX/XX/XXXX an XX/XX/XXXX as eligible. All three periods are covered under the same forgiveness period and are eligible for PSLF qualification. On two occasions junior level MOHELA customer service representatives have admitted that the XX/XX/XXXX period should be categorized as " eligible. '' Upon my fourth attempt to resolve this issue, I was transferred to " advanced '' customer service. However, after waiting on hold for more than one hour, MOHELA 's system hung up on me. My situation remains unresolved. I am set to make my 120th PSLF payment in XXXX this year. I consider MOHELA 's intransigence to be fraudulent and criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Despite XXXX written requests, the unverified account from XXXX XXXX still remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Equifaxs investigations, the company stated in writing that the account was verified that these items are being reported correctly? Who verified these accounts? Equifax has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, Equifax has failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 @ approximately XXXX I received a credit alert stating I had a XXXX XXXX on my Experian credit report, dated XX/XX/2022. The alert stated the inquiry was initiated by XXXX XXXX XXXX. I contacted the fraud department at Experian and advised them of the situation. They said that they would remove the inquiry and put a fraud alert on my account as well as the ones with XXXX and XXXX. They recommended I contact the Federal Trade Commission to report the incident, as it might be an identity theft situation. 

I then contacted XXXX fraud department and reported the incident to them. They advised that it had been an on-line application which had been declined. They said they would cancel the application totally and notify the credit bureaus to remove the inquiry.
Product: Debt collection

Improper Use of my consumer credit report This is a third party company trying to collect on a debt that does not belong to me, I am not obligated to pay the debt to this party, I dont have a contract with this company. 

VIOLATIONS violated my rights to Privacy15 USC 1692 15 USC 1681 Section 602A Ignoring my Demand to Cease And Desist all actions and communications concerning this company and all company 's under RESURGENT CAPITAL. 
These accounts have been sent to three different companies since I have demanded the stoppage of all actions as you will see attached below. 
Did not give me accurate time to dispute these accounts before adding them to my Consumer Credit report Dates are on the attachments to prove they had no intention of allowing me the right to dispute this account thus voiding my RIGHT TO PRIVACY
Product: Credit reporting or other personal consumer reports

There has been an identity theft on my EQUIFAX credit report as someone is trying to apply for credit card with the name XXXXXXXX XXXX on XX/XX/year> using my name and SSN without my consent or knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Total and permanent XXXX ( XXXX ) discharge since XX/XX/XXXX. 
It was never due, never late, never made any payments. 
Experian has all of these accounts right now as OPEN. 
I have 2 lines of credit, their records show I have 27! 
They are not allowed to list Total and permanent XXXX XXXX XXXX ) discharges on credit reports. Sure enough, has not been verified since XXXX! 
Not on my other 2 credit reports. Scores there average XXXX. At Experian it's XXXX!!! 
Says I have too many lines of credit open. Says I have too many late accounts! 
I haven't had ANY late accounts anywhere since way before my bankruptcy in XXXX! And that's being listed as open and active too! 
My entire credit report with these scammers is WRONG. 
Now they have locked me out of my account. I sent them my DL, Bill 's, etc. No, can't get in to dispute. I can not call. I am XXXX.
Product: Debt collection

Today, XX/XX/XXXX, I received a letter from Wakefield and Associates, a debt collector located at XXXX XXXX XXXX, XXXX, TN XXXX. They are claiming to be collecting a debt associated with a company named : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX I found the address of XXXX XXXX XXXX, XXXX through an online search. 

I have never heard of XXXX XXXX XXXX, XXXX, have not ever done business with XXXX XXXX XXXX, XXXX and have not been in XXXX XXXX, CO. 

The " billing statement '' with a Reference # of XXXX, has the following line items : As of XX/XX/XXXX, you owed : {$1400.00} You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this amount toward debt : {$1300.00} Total amount of the debit now : {$100.00} I have not paid anything to this company ever and the credit/payment totaling {$1300.00} is interesting. 

Through my XXXX membership, I have reported this to the Federal Trade Commission. I have also reported this to the XXXX XXXX XXXX. 

Is there anything that you and your department can do to eliminate this fraudulent bill/debt? 

Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is using unethical tactics to avoid a resolution to my complaint. Their represented told me a lie while on the telephone call while setting up a payment plan. Because of this lie my credit has suffered and this company is not being truthful avoiding fixing the issue. I have tried calling and can get no one on the line with the email sent to me. The company realize my phone number is no listed as do not call. So they are blowing my complaint off. I want this company held responsible for providing false information or I will seek legal representation to subpoena the phone call during the payment plan agreement. This company also had a collection representative answer a phone call without disclosing were were on a recorded line. Which is a collection violation. This company has exhibited unethical behavior over and over and fail to rectify the situation. I guess this company will not understand until legal action is involved. So to avoid this, I asked this company update their reporting with the credit bureaus and remove the 60 day lates. Everything mentioned in this complaint can be found on the company 's phone logs.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan servicer is Great Lakes. I work in public service. I am trying to get a mortgage. The lender needs to see a non-zero payment amount on my credit report, so on XX/XX/XXXX, I contacted Great Lakes and was told they would report my correct monthly payment of {$230.00} if I took my loan out of the COVID freeze. 

I took my loan out of the COVID freeze and started making payments. However, Great Lakes has continued to report my monthly payments as {$0.00} rather than {$230.00} that shows on my Statement of Loan Obligation. I have repeatedly contacted Great Lakes and been told to wait until the end of the month and see if it fixes or to file a dispute. I did file a dispute, and Great Lakes again reported my payment as {$0.00}. I have records of call, chat, and email dates. 

Great Lakes has left me in a position that I'm making payments that are not in my interest to make ( I'm XXXX out of 10 years into a public service position and will presumably qualify for PSLF ) but unable to get a mortgage. I am unable to purchase a home. 

Please help.
Product: Vehicle loan or lease

Over the past two years, I set up autopay on my jeep loan maybe 6 times. Each time on bank of americas end, my autopay was ended without warning and I only found out when theyd call to tell me Im past due. I always paid right away as I have the ability to pay the loan off, but its a lower interest rate so Ive been leaving it there. It just happened for a 5th or so time and I dont feel my credit score should be impacted because their system is making it difficult to keep track of payments. When you sign up for autopay, there is some trust that it wont be cancelled by the bank without notice.
Product: Debt collection

Myself and one of my family remembers has received calls from DCI. I called in for a cease & desist, the representative I spoke to decided to threaten me and state the following " We will continue to look for her and find her. '' That was said to me even after I said to stop all calls from being made to that account.
Product: Checking or savings account

payments for my ex wife bills were being paid from the account after I removed her from the account and contacted the bank several times. 
they then refused to comply with XXXX  and closed the account without my consent leaving me no access to past transactions which I need access to
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One credit card inquiries found on my credit report x 3 different occasions- XX/XX/21, XX/XX/21, and XX/XX/21. I have never attempted to open a Capital One account therefore this is fraud. I recently experienced this same fraud issue with a different credit card company ( was reported to XXXX who performed investigation and in fact determined it was fraud ) so I know someone has been attempting to open credit cards under my name. I did report issue to Capital One and was told that they could not do anything at this point due to the fact that the accounts were not opened ( only attempts made ) and instructed me to report this issue to all XXXX credit bureaus.
Product: Vehicle loan or lease

I had a loan with Wells Fargo, they repossessed the car and sold it- now I owe over {$15.00} still from a $ XXXX loan. I need assistance and a referral to resources to look into my case to see if this qualifies for illegal repossession. I even tried to make a payment at the bank while payments were overdue and they refused and repossessed the car soon after. We are well aware Wells Fargo predatory practices.
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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

A letter was received on XX/XX/2021 by Transworld Systems Inc. requesting validation of debt. They responded with medical records, a DIRECT violation of HIPPA regulations. These documents had procedures and/or medications received. I NEVER signed a HIPPA form authorizing access to any such medical records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is practicing an unfair and rigged teeter-totter with a consumers score. If I one uses some of their available credit, they decrease their score by leaps and bounds but when I payments are made to decrease % utilization by paying off the debt and increasing again the credit available they only increase my peoples score by a fraction of what they take away based on the same amount. Just recently, they took 39 ( -39 ) points off my score when I paid off XXXX dollars of my total debt. This is the total opposite of what they should do and normally do. Every month or week they change and invent new scams to decrease the score and then bring it back up very slowly to keep people in the same range. This is the biggest scam to consumers that I have ever seen and should be stopped. It is a fraud being done to millions of consumers without any protection from the government. They run this scam wildly and cheat millions of people causing them to pay higher rates and to suffer many unjust consequences that come from low credit scores. I have been paying all my bills for years, but I have never been able to reach a normal level of credit higher than 600 because they purposely keep maneuvering the algorithm to keep people stuck in the same place. Have Equifax restore my score and have the cognizant government agency for this company and the other credit reporting agencies to analyze their practice as I truly believe they are flawed and skewed against the consumers.