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

I applied with XXXX XXXX for a credit increase on XX/XX/XXXX and was denied because there is a recent delinquency shown on my credit file from Experian that doesn't belong to me. XXXX is the creditor listed for {$500.00} it was opened in XXXX and it doesn't belong to me. Also, I do not see this creditor on my credit report yet Experian is reporting this information to XXXX XXXX.
Product: Debt collection

Capital Management Services is attempting to collect a debt that I do not owe.I received a call from a XXXX XXXX on XX/XX/20. Capital Management Services has no legal right to attempt to collect any money from me. Capital Management Services has not validated this debt nor sent me an initial notice of collection. There is no debt to begin with. Capital Management Services is acting in a misleading manner and is in violation of the FDCPA. I never owned or authorized a XXXX XXXX credit card.
Product: Debt collection

On XX/XX/2022, I was notified I had medical debt collections from a credit report that was pulled due to a request for mortgage pre-approval. On XX/XX/2022, I sent a debt validation letter ( see attached ) to Berlin-Wheeler, Inc. via certified mail. I received the return on the letter indicating it was received on XX/XX/2022, and signed by XXXX XXXX ' ( see attached ). As of XX/XX/2022, I have yet to receive any information from Berlin-Wheeler , Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling a complaint because Equifax has ignored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-45 days mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I MsXXXX XXXX, Have a dispute with XXXX XXXX XXXX mortgage loan account # XXXX This dispute is regarding the property address XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX, This loan was open with XXXX in XXXX loan amount XXXX XXXX being the first mortgage holder, and Chase being XXXX second. XXXX loan was a conventional first stand alone XXXX mortgage loan amount XXXX both loans happen in XXXX in XXXX me and my husband experience a hardship and apply for a modification with the first mortgage XXXX in XXXX, we was not given a modification until XXXX, The new loan amount after paying for 9 years totalXXXX we later question XXXX about the second one we had with them and they reduce our XXXX dollar payment for the XXXX loan to XXXX dollar and gave us a new modification loan although we did not have any missed payment with them they change the payment and added the deferred amount of XXXX to be added to what we still owed XXXX from the original amount this is nine years later, we recently pay off both loans in XX/XX/XXXX, and XXXX XXXX a late payment report to the credit bureau of a missed payment for XXXX which is not true. XXXX escalation department stated that they will not change the report and it will be on my record for seven years but they can see that I paid and refuse to amended this report.
Product: Debt collection

On XXXX XXXX, 2011 I sent a Debt Validation letter certified mail return receipt requested to Portfolio Recovery Associates , LLC. I have never received a response. Portfolio has been reporting this invalidated alleged debt to the XXXX Credit Bureaus since I sent the letter ( over four years ago ) which is considered further attempts to collect.
Product: Prepaid card

I want PayPal to stop messing up my account it is No Suspicious Activity on my account PayPal is lying I want them to prove they lied and I HAVE OPENED A NEW ACCOUNT I AM DEMANDING PAYPAL TO RELEASE MY FUNDS TO PUT IN MY NEW ACCOUNT AND I DO NOT WANT NO XXXX FROM PAYPAL ABOUT CLOSING THIS NEW ACCOUNT Telling LIES IT IS SUSPICIOUS ACTIVITY WITH MY NEW ACCOUNT Paypal NEEDS To Shut DOWN ALL OTHER ACCOUNTS ON MY NAME AND SSN The Email ADDRESS FOR NEW ACCT IS ( ( XXXX ) ) is my new account go through XXXX XXXX using the back offices and XXXX XXXX  for any other accts. In my name and shut them all down my new account is under this EMAIL ADDRESS ( ( XXXX, ) ) DELETE ALL OTHER ACCOUNTS NOW AND STOP CLOSING MY ACCOUNT PLEASE CALL ME LIKE I HAVE ASKED THE MANAGER AND NOT ONE HAS CALLED O NERD TO TRANSFER MY FUNDS TO NEW ACCOUNT YOU CAN NOT HOLD MY FUNDS FOR OVER 120 DAYS AND I HAVE REFUNDS GOING Back TO CARD HOW DO I GET MY MONEY BACK
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXXXXXX Spoke w XXXX  and opened dispute. Opened another dispute in XX/XX/XXXX XXXX  I requested account be deleted as it was incorrect and did not belong to me. 

Accounts incorrect are XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a joint account with my husband over 15 years ago with Bank of America. Subsequently, I developed a  XXXX  that makes it very painful for me to use a voice telephone. As I am not deaf or speech impaired, I do not have a relay service nor equipment to use one. Further, use of a relay service compromises privacy in unacceptable ways. I have previously complained here regarding BoA 's chat portal, where they first said they could n't help me because it " was n't secure, '' then backtracked on that and found other excuses not to use the portal for assistance.     Despite my opening the account, my husband was listed as primary cardholder, a fact I was not aware of until I tried to get information on transactions several years ago. I attempted to resolve this through use of online chat, but was unsuccessful as BoA refused to discuss the matter or afford solutions using a medium I could communicate with. I requested they escalate to their general counsel and/or  XXXX  coordinator, but nothing ever happened.     This week, I attempted to bring my credit card feed into my accounting program. I found myself unable to either view the credit card information online, or bring over the feed, likely due to not being the primary cardholder despite my opening the account. As BoA now advertised help via  XXXX , I tried that and asked how I could get help either via chat, email, fax,  XXXX ,  XXXX , or any other online means.     Unfortunately, the person answering my query on  XXXX  said BoA had taken down chat, and help would not be available using any of those means. My only recourse is to physically go to a branch. My  XXXX  makes it difficult for me to go to a branch, my work from home job usually encompasses the hours most branches are open, and I feel I should not be penalized for having a  XXXX  by a company that offers its services to the general public.     I fully expect Bank of America to treat  XXXX  customers with the same level of customer service afforded to other customers. This is, indeed, the law. They refuse to offer me any type of reasonable accommodation whatsoever.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a registration loan at the Title Max in XXXX XXXX  AZ on XX/XX/year> and took {$500.00} to help get by as I only make {$810.00} per month. The total loan was I believe {$2500.00} as I had received a previous loan from them for that amount and eventually paid that one off. I faithfully made my payments and was surprised when my loan credit went up to {$4000.00} as I borrowed a little at a time to get by. In XXXX of this year I missed a payment because their interest kept the loan high. It feels like it's bleeding me to death. It took my whole check, minus {$12.00} to pay the loan back down to the original {$4000.00} and that's after I made a payment approximately 10 days past my due date. Now because they raise the interest on top of the loan over {$500.00} which is also higher than my payment I will never be able to pay the loan down to the original {$4000.00} I owe. Can you please help me as I need this car as it's the only one that I have? I thank you for your time and help.
Product: Credit reporting or other personal consumer reports

I found out that Experian has the wrong EMAIL & TELEPHONE NUMBER ASSOCIATED WITH MY ACCOUNT! 
Because of this, I can NOT remove the freeze I have on my account. 

When I finally got a supervisor over the phone, she told me she COULD NOT HELP ME and said that an email would be sent to the email address I supplied over the phone, and that i could ONLY proceed with that email. THAT EMAIL NEVER CAME!!! INEPT! 

Egregious! This is sub-standard. LIKE DEALING WITH CHILDREN! 

AGAIN, Experian has the wrong EMAIL & TELEPHONE NUMBER ASSOCIATED WITH MY ACCOUNT! 

I NEED TO CHANGE IT TO THE CORRECT INFORMATION! 
I CAN NOT GET THROUGH TO AN AGENT! 
HOW DO I GET THROUGH TO AN AGENT! 
HOW DO I FIX THIS!!!???
Product: Credit reporting or other personal consumer reports

I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission and reporting this alleged debt to the consumer reporting agency without validating it with I, the consumer, first is a violation of 15 U.S.C. 1692d ( 4 ). Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the Fair Credit Reporting Act. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states Reporting information with actual knowledge of error, 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. XXXX, XXXX, and Equifax do not have my consent to furnish this information and they surely do not have my written consent. 15 U.S. Code 1681n ( a ) ( 1 ) states Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. 15 U.S. Code 6802 ( b ) Opt out ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given an explanation. 15 U.S. Code 1681o ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Mortgage

On XXXX 2015 I signed a deed in lieu, the bank ( Rush Loan Management ) took possession of the property to satisfy loan XXXX. After many inquires to the mortgage bank they refused to provide a document stating the status of the mortgage loan and they keep reporting the account as " on past due '' affecting my credit and my possibilities to get credit.
Product: Credit reporting or other personal consumer reports

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, EXPERIAN, AND XXXX, UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED UP TO THIS POINT. 

Report in XXXX : 1. The following personal information is incorrect Former XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX A XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX 5. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( 3 ) ( b ) - Consumer report should not include an individualized list or description on the payment transaction of the consumer for medical product or services. 


Report in EXPERIAN : XXXX. The following personal information is incorrect Date of Birth : XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( 3 ) ( b ) - Consumer report should not include an individualized list or description on the payment transaction of the consumer for medical product or services. 


Report in XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX, WA 4. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( 3 ) ( b ) - Consumer report should not include an individualized list or description on the payment transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX Amount {$750.00} The law is clear under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

I have attached the company response.
Product: Credit card or prepaid card

I have had multiple issues with Goldman Sachs Apple Card. First being that Goldman Sachs declines multiple attempts to make a legitimate purchase at the retailer XXXX. Second the customer service representatives were ill prepared to handle calls related to declines related what they call " suspected fraud misuse ''. After verifying that these attempted charges were correct and actually attempted by me the card holder eight times and while assisted by Goldman Sachs customer service, the charges were still declined. Goldman Sachs then followed up with a restriction on the account for an unknown reason. Goldman Sachs also stated they did not have a way of issuing a letter stating that my account was closed after I requested that they close the account. I believe that the company my be bordering predatory practices with their business practices.
Product: Credit card or prepaid card

I notified Chase XXXX that we would be traveling and gave them the dates. They cut my card off half way through my vacation due to a randomized account review ; it was unrelated to my traveling expenses. I thought it was very neglectful of the company toward their consumer to not take into consideration that I had contacted them about being on vacation. Each person I have talked to gives me the same answer : it will take 10 days to review it. Meanwhile, weve exhausted our primary fund that we were using and now our backup is on hold. Chase has left their consumer out to dry. XXXX never own another Chase account again.
Product: Debt collection

I was looking over my credit report and saw some inaccurate information Of a debt that was already paid and has XXXX balance on them. As a consumer i ask that you remove this information from my credit report because it is ruining my reputation pursuant to 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. 
I attached a copy of my report showing the balance and inaccuracies.
Product: Money transfer, virtual currency, or money service

I was about to make a purchase money was transferred into my account my account briefly lockdown it was hacked and {$3000.00}. When missing in cash app told me I authorize the payment even though I did not they refused to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$66.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXXXXXX Balance : {$73.00}
Product: Credit reporting or other personal consumer reports

Borrower Defense ID # XXXX Nelnet ID # XXXX As of XX/XX/year> Nelnet Student Loans has not refunded a $ XXXX lump sum payment to me. This was part of the discharge agreement. Nelnet then states that payments will resume in XXXX. 

As of XX/XX/year> XXXX student loans has discharged my loans. However, it states that the loan amount will be payable XXXX. This amount in question should have been fully discharged by Nelnet. 

XXXX XXXXXXXX XXXX XXXX MN ( now closed ) cancelled a college course, and charged me {$980.00} for tuition. They threatened to send the amount to a collection agency. I had to pay the amount on my credit card, and later fell behind on payments. 
I was attending school and working full time, and had just bought a house.
Product: Payday loan, title loan, or personal loan

XX/XX/2021 {$190.00} set for next month. Money was taken from bank account but not shared with bank and claim was sent in. Wallet was stolen and lost again. Money was put on credit card but loan did not take credit card.
Product: Debt collection

Between XXXX and XXXX I was the victim of fraudulent charges on my XXXX XXXX Credit card, each time I was notified about suspicious activity or noticed the fraudulent activity myself I contacted XXXX  Credit card services and notified them. 

I ended up closing my XXXX  account since they were allowing an impersonator fraudster to have access to my credit card by going into a store and by presenting a fakeID and my SSN. XXXX never initially explained this modus operandi to me, they only stated they were going to issue a new card and drop the charges, only after the third round of fraudulent charges and when I pressed them on how this was happening over and over they explained the modus operandi to me. After this was made clear, I asked them to close all my accounts and report all purchases as fraud to which XXXX accepted. 

After this, I got a letter from XXXX stating the report on the fraud charges was completed and that I'm not liable or responsible in any manner. 

To my surprise months later, I started getting collection calls from XXXX and later on by GC Services. In the beginning, I explained to them the whole situation to which they said they were going to make notes on my case. Still, again and again, they keep calling me to collect the debt of the fraud charges. Now I noticed they reported me to XXXX  and my credit score dropped around 100 points. 


I have already spent several hours calling XXXX and XXXX explaining this situation over and over and they always say they are going to fix it, but they never do. I don't know what else to do. 


I want XXXX  and XXXX to inform all debt collectors ( GC Services ) working on their behalf to stop calling me and stop reporting me to credit agencies for fraudulent purchases from which I'm not responsible and make the necessary corrections to these false remarks. 


Report XXXX XX/XX/XXXX Updated Account Information XXXX/XXXX  Remark Added to Account XXXX/XXXX  Thank you XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I purchased {$1500.00} worth of usd coin on Coinbase. The transaction has been stuck on pending ever since, though I have yet to recieve any help despite my bank account being charged for the sum. Ive created multiple tickets without any replies.