23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, 2021 I noticed a derogatory mark on my XXXX credit report. This shocked me as I have excellent credit. Upon further investigation, I found that George Brown Associates notified the credit agency that I had an unpaid debt. 

This was the first I heard about this debt. I attempted to call the company at ( XXXX ) XXXX - XXXX as listed on their website ( see submitted video for listed phone number on XX/XX/XXXX ). When this communication method failed for several days, I submitted a form on their website notifying them that I had never been notified of the debt, inquiring about the origin and amount of the debt, and contact information. This was sent on XX/XX/XXXX. 

I also notified this debt collector that without this information I could not be expected to pay the debt. I provided my email address to the company so that they could respond. 

It has been five months and I have not received any form of communication from George Brown Associates. I do not know why this company took the step of reporting debt to XXXX without attempting to rectify the debt with me first. I am also disappointed at the utter lack of communication channels to reach this company. 

It is negatively impacting my credit, and I am now a graduate student applying for student loans. I feel helpless in rectifying the situation because this company has provided me no information. I only know about the debt through XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Started receiving e-mails about loan approval. Then received a bill/invoice for repayments to start. I called the company and they refused to give me any information unless I gave them my SSN. Their website indicates that they do not even loan in my state and I had never heard of them until hearing about my " approval ''. I do not want to be on the hook for a loan I did not apply for or receive. I have received another billing from the company ( XXXX ) today.
Product: Student loan

I have a private student loan with Navient. I have been on a XXXX payment plan. I am receiving XXXX calls a day from a number that is not recognized as a Navient number. I am trying to obtain information and ask questions on my account. I keep getting the run around. Half the time someone calls you that you cant even understand. I am being told I have exceeded my forbearance with no explanation. I am also being told that a financial statement was provided back in XXXX when the 6 month plan started. I dont ever remember giving a financial statement. The last person that called 6 months ago told me the same XXXX  month plan for XXXX a month was available and the call took about XXXX minutes. I am becoming very concerned about the lies, misinformation, and threats regarding my account. I do believe that practice faulty business practices. They dont provide correct information. I am started to become very concerned. I would like a full review and detail of my account. I would also request based on what I am dealing with that my remaining balance be written off. Thanks. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

New Creditior : CREDIT MANAGEMENT LP Last reported : XXXX XXXX, XXXX {$1200.00} Open balance XXXX XXXX XXXX  : Original creditor Opened : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status : Open Type : Responsibility Individual Remarks : Placed for collection Original creditor name : XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for the Chase Sapphire Preferred credit card on XX/XX/XXXX ( please see acceptance email ). The promotions for the card were for a bonus XXXX points if I spent {$4000.00} in the first 3 months and that the annual membership fee of {$95.00} was waived the first year ( please see Online Promotion page 2 and Pricing & Terms page 1 ). During the process of applying for the card I was never informed that I would not received this promotion. However, on XX/XX/XXXX I was charged the {$95.00} annual fee ( please see Billing Statement page 3 ). I contacted Chase soon after by telephone with my concern. I was told that this would be investigated and I would receive a letter in the mail with the results. 

On XX/XX/XXXX I received a letter from Chase that stated ( please see attached Chase Letter ) : " We have reviewed your account and have confirmed that the offer you applied for was XXXX points after you spend {$4000.00} on purchases in the first three months your account is open. This offer didn't include a {$95.00} annual fee waiver for the first year. The annual fee provides you with the many features and benefits associated with your card. We regret, we are unable to credit the fee. '' I feel that Chase either made a mistake with my account and I should be eligible for this promotion and would like the {$95.00} reimbursed. Or that Chase was deceptive in their advertising when it came to this product.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit report. I as of late received a duplicate of my credit report from the credit reporting agency. Which by the way is self proclaimed as being not only accurate and complete but also metro 2 compliant in the verification of their consumer credit reporting as detailed in the description of XXXX ( their web based automated verification process ) Their exact XXXX  definition ( per XXXX XXXX XXXX ) is that " XXXX is a web based metro XXXX compliant, automated system that enables data furnishers ( DFs ) and credit reporting agencies to create and respond to consumer credit ... ... '' Due to the reporting i noticed a late payment being reported by XXXX XXXX XXXX which I disputed with them on XXXX XXXX with tracking number XXXX in which they failed to comply and ignored my request after I disputed with the credit bureau and they failed to comply as well on an alleged DEROGATORY late payments DEFICIENT Of required proof of adequate federal reporting compliance namely metro XXXX and the FCRA standards XXXX reporting are certainly unlawful, unethical, and undoubtedly in clear infringement of my consumer and or civil court rights. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to HOW, WHEN, and WHY these late segments are notations within my credit worthiness! Puzzled! Left with no response that complies with metro XXXX. So I decided on enacting my rights to COMPEL, them as required to mandate the alleged data provider of the UNPROVEN derogatory suggestions of late payments to surrender to credit bureau as they surrendered to me an evaluation of my record throughout the life of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2021 i've been complaining now I feel unheard & ignored. now i'm seeking help from cfpb to get my issues heard. CRA have been reporting inaccurate address, inquires, employers and much more. they have been reporting these things without my consent on top of the inaccuracies. this has harmed me for the past 2 years I've been denied for everything I've applied for. I have a child to provided for and i'm limited due to CRA reporting inaccurate information & ignoring all of my attempts to notify them of such.
Product: Checking or savings account

I tried to open an account online but couldnt so I called the bank. I was told to come to the bank to open one and set an appointment. I went there and was told that I can not open one and that I need to call the number that was given by the bank employee. He didnt give me a reason why I could not. So I called from home and was told the same thing that I am not allowed to open an account with no specified reason. Also the bank representative stated that I had an account opened back in 2016 and that it was closed. I asked why was it closed. I asked if there was money owed or something happened. They couldnt say. I was very young during that year and dont recall opening that account in 2016. So hence why I asked for reason for account closure. The representative couldnt give a reason and said it was an internal information and unable to access the internal information on the closure and hung up. That was very rude!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, transunion and XXXX to investigare my accounts. it has been over 30 days. these consumer reporting agencies are in violation. 

according to 15 usc 1681i-XXXX, transunion, and XXXX have 30 days to investigare and send me the results. 
and they also didn't even record the current status of the disputed information which is another violation I have all the evidence attach below.
Product: Debt collection

The company is called portfolio recovery associates. They started contacting me in XXXX of XXXX about a debt that is past the statute of limitations for collection. The debt in question is a credit card from XXXX XXXX. The debt is from XXXX. They have threatened to damage my credit. They have threatened to take me to court. They have threatened to have a lien placed against me. I have repeatedly told them that the debt Is past the statute of limitations. But they continue to call me. They call and won't identify themselves on the phone. They just keep asking is this XXXX XXXX. I tell their automated system that this is not the person that they're looking for. And they keep calling back. I have sent them a cease and desist letter and they still continue to contact me.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a phone call from Wells Fargo regarding my Wells Fargo Credit Card. The rep stated the payment is late and the minimum amount of {$25.00} is due. I explained to the rep that I have not received my bill for this account. Ive never missed a payment for any of my accounts. The payment due was only {$25.00}. When I was informed the payment was late I immediately went online and paid the full balance off. Even though I am also a victim of the natural disaster. I lost my job in XX/XX/XXXX when the state mandated a lock down. The company I worked for went out of business. I wasnt able to find employment until XX/XX/XXXX. They said we can set up a deferment if I wasnt able to make the payments. I explained that I dont need a deference I only need to make sure my credit report doesnt show any late or missed payments. The rep stated that as long as the balance was paid in full they agreed to not report the late payment on my credit file. They didnt add anything on my credit report showing any missed or late payments. In XXXX of XXXX over one year later, for some reason Wells Fargo went back on their word and my credit report showed a late payment for the month of XX/XX/XXXX. 

When I called Wells Fargo and explained the situation they said they dont have any way to remove it from my report. Ive been a Wells Fargo customer for over 10 years. Never missed any payment prior to that one payment that was late. 

Ive called many times and I tried explaining that I never received my bill it never came in the mail and they are required to send me a bill every month. I told them that I am a victim of a declared national disaster. That should be enough right there to remove this inaccurate information from my report. I made the payment exactly like I was told and then updated my address because they had the wrong mailing address in the system. 

I called another time and a rep stated she will send my request over to a special department and they will remove the late payment due to my long relationship with Wells Fargo and that there was never any other late payment on the account.
Product: Checking or savings account

On XX/XX/2019 at approximately XXXX, I deposited XXXX dollars at the US Bank ATM machine located in the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX California XXXX The sequence of the bills deposited were XXXX, XXXX dollar bill and XXXX XXXX dollar bills. The ATM machine malfunctioned and began making a shuffling sound and eventually returning the XXXX dollar bill but it kept the XXXX XXXX dollar bills. On the screen it asks me how much I deposited and I replied, XXXX dollars. A receipt was given by the machine along with a statement saying, " A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Please contact XXXX XXXX XXXX so we can assist in the return of the items ''. I deposited this money into the ATM trusting that it would be used to pay a bill that would hit my account days later. Although, the bills were paid by the bank as they were electronic payments and taken out monthly, others charges were incurred like overdraft fees over one hundred dollars. Also XXXX XXXX and XXXXXXXX was directly deposited into my account. It was immediately taken to cover the overdraft fees that occurred because of the machine malfunction. I called the US Bank to ask them to return the funds that had been direct deposited into my account and I was told once the deposit is in the account, they could not reverse it. I explained to them that I am on a fixed income and needed that money to live on. Still Days have went by and nothing has happened. The money that was taken by the US Bank ATM was Thursday XX/XX/XXXX and it is now XX/XX/XXXX, and the direct deposit that was made on the XXXX for my living expense I still do not have it and its now XX/XX/XXXX. I called US Bank again today, XX/XX/XXXX and talked with a teller that told me that it may take up to 10 business days before I could receive a credit which would make it around the XXXX of XXXX before I would receive any money. I am retired and on Social Security and a fixed income and this ordeal is very unpleasant. What can I do?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 
Sincerely, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX, FL XXXX, XX/XX/year>.
Product: Checking or savings account

My main complaint is that I called twice to confirm my account was okay and that I could use the funds BEFORE I took the auto in for emergency repairs. I was told both times the account was fine. If I had been given accurate information I would not have dropped the auto off. 

Over the past few days Staff has misled me, lied to me, or stated they will not do anything about contacting anyone about why I can not use my debit card. Online account page shows funds are available. Use of account and debit card online works. Use of debit card at the auto repair shop says ago was rejected even though Citi bank reps said there was no restriction. After the debit card failed when I went to pick up my car, THEN Citi reps discovered there was a hold on my account.. 

I have made many calls involving several hours and being occasionally being cut-off.Most of the reps were polite even though they were not allowed by policy to assist. " Back room '' has been sent messages, but they have not called or emailed. 

This is a major inconvenience and annoyance. I have been with Citi for a few weeks and am extremely disappointed. I am now getting charged a storage fee at the auto shop. I am without transportation. As a retired senior this is a major annoyance.
Product: Mortgage

Specialized Loan Servicing ( SLS ) has been sending me notices regarding an alleged debt ( see attached ). I have sent numerous requests to them to prove up the validity of the debt and produce accounting records via qualified written request ( QWR ). SLS did not respond to my specific demands. Most recently, I have requested that SLS send a payoff demand and produce the rights to release the alleged lien. Their failure to respond to all of my requests has interfered with the ability to sell my home. SLS. SLS assumed the servicing rights from XXXX XXXX XXXX, who also would not respond to QWR requests. XXXX is in violation of numerous FDCPA, HUD and RESPA laws. I am seeking your assistance on this matter before I proceed with litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 n 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 XXXX 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 XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXXXXXX XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

NCB Management Services of XXXX XXXX  XXXX XXXX, XXXX XXXX Contact number XXXX. Per my XXXX credit file dated XX/XX/XXXX, File No. XXXX NCB illegally put a hard inquiry on my credit file on two different dates XX/XX/XXXX & XX/XX/XXXX. I have never done business with this company or given this company verbal or written consent to access my credit file. The fraudulent actions this company have taken against me has resulted in the denial of credit for lenders, which goes against the FDCPA guidelines. I am requesting the hard inquiry and any collections this company put on my credit files be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 


3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 


4. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 


5. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 


6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


8. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.