23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called the office at XXXX ( XXXX ) XXXX to resolve my {$500.00} debt. XXXX XXXX was XXXX  and XXXX  in moving forward with this process demanding {$2000.00}. I asked if the website would be fixed to move forward that way to pay online. She demanded that I give her my banking information over the phone. She refused to give me the address to move forward to pay my debt. She said she would not accept my payment any other way. The website is under construction. All of this verbal abuse and sketchy behavior is something that I dont understand as a consumer. At this point I have no way of paying my debt. I sincerely hope that the call was recorded to move forward with a thorough investigation. I want to resolve this, but XXXX cant speak with XXXX XXXX due to her verbal abuse and disrespect. I contacted XXXX  and I was told that her rating is a XXXX My only purpose is to resolve my {$500.00} debt. How can I move forward?.
Product: Student loan

XX/XX/XXXX and XX/XX/XXXX. 

My student loan servicer is Nelnet and their website has been down for the last 2 days. I initially successfully, logged in yesterday ( XX/XX/XXXX ) to check a message and discovered that my administrative forbearance is over and my payments restart XX/XX/XXXX. Later in the day I attempted to log-in so that I could set up autopay as that gives me a discount on loan payments. I keep getting an error page stating that the website can not be loaded. .The same error appears during today 's log-in attempts on XX/XX/XXXX. I have not yet attempted to contact them as they have notoriously long hold times and due to work obligations as a XXXX, I do not have time to wait for hours on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX Please delete any other versions of my name. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
The following addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have phone number that are not mines please delete they are not mines : ( 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
Product: Debt collection

ABILITY RECOVERY SERVICE PO BOX XXXX XXXX, PA XXXX ( XXXX ) XXXX REPEATED HARASSMENT. HAVE WRONG PERSON. I LIVE IN XXXX. NEVER WENT TO XXXX XXXX HOSPITAL IN XXXX. NOW SHOWS ON CREDIT XXXX. I NEVER ADMITTED TO OWING ANYTHING. I TOLD THEM I THINK YOU HAVE WRONG PERSON. 

SHE LIED SAID I CALLED THEM. IF I CALLED THEM IT WAS TO FIND OUT WHO CALLED ME AND CALLED THEM BACK. IF IT WAS COLLECTIONS. I WOULD HAVE NOT SPOKE WITH ANYONE. 

THEY THREATENED TO RUIN MY CREDIT AND CALLED ME BEFORE XXXX ON XXXX. HAPPY XXXX TO ME AND MY FAMILY. 

XXXX/XXXX/XXXX - XXXX received threatening call that I owe money and I have to pay XXXX $ today. If not I am going to ruin my credit is what they told me. I told them I think you are mistaken me for someone else. I have always had insurance. 

They said back in XXXX I had been to ER at XXXX XXXX XXXX. I do not remember this. Never got anything in mail. I live in XXXX in XXXX. 

They said I called them and now it is showing on credit report they reinstated it XXXX. 

I keep getting harassing calls. XXXX is the number. Shows them calling me right before XXXX XXXX on XXXX.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX AND I NEED YOUR ASSISATNCE TO HELP ME BLOCK THE INFORMATION THAT IS IN RESULT OF 605C XXXX XXXX  AND PLEASE BLOCK AND REMOVE THE ADDRESS OFF MY CREDIT REPORT AND ONLY LEAVE MY CURRENT ADDRESS WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX IS REFUSING TO REMOVE THIS FRUADULANT ADDRESS OFF MY CREDIT REPORT THEY KEEP TELLING ME THAT ITS LINKED TO AN ACCOUNT WHICH I HAVE EXPLAINED TO THEM THAT THE ADDRESS 'S ARE LINKED TO XXXX XXXX AND ITS NOT MINE. THEY STILL DIDNT CARE.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$340.00} XXXXXXXX XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX Balance Owed : {$7200.00}
Product: Checking or savings account

XXXX XXXX, XXXX when shopping at a local XXXX store, my personal check was denied by the check verification service they use, Certegy Check Services. XXXX can not answer why the check was denied but prints out a little tiny piece of paper telling you to contact Certegy Check Services at XXXX for assistance. 
This number is an automated service wanting your bank routing number, bank account number, social security and drivers license numbers. You can not reach a representative using this number. Going to Certegy 's website, I found XXXX listed for customer service. The person I talked to wanted all the same info and proceeded to tell me nothing. They give you a total runaround and can not tell you why your check was denied. You get " could be '' risk factors but they do n't have access to what risk factors are, your check did not meet the standards in their risk modeling software, but again they have absolutely no answers or reasons for denial, they just keep repeating the same canned answer over and over. They can not tell you if you will be at risk for future check purchases or which businesses use their verification service. Certegy can not verify funds due to federal laws protecting consumers bank accounts, so why are they even allowed to be in business? What service are they really providing business?
Product: Debt collection

I received a letter from XXXX XXXX XXXX saying I have a PayPal debt. I do not and never had a PayPal account.
Product: Debt collection

I submitted a complaint regarding this company within the past 6 months with your company, case file no. XXXX, this company stated via written response that they would remove the debt from my credit report with no further action or communication from them, that has not happened and now they are reporting this debt once again in addition to the previous amount they claim I owed. The original debt was with Debt Recovery XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX for {$670.00} that should have been removed, I have not opened any accounts or have any loans with this company, if it is a payday loan, it was included in my Chapter XXXX bankruptcy back in XXXX and that has been XXXX, all accounts I have recently opened are all in good standing, I am trying to rebuild my credit and have been doing an excellent job thus far. This company has now changed the name and issued yet another collection on my credit report under XXXX XXXX XXXX Virginia - XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX for the same amount of {$670.00}, this is not a coincidence, it is fraudulent and incorrect reporting. I would like this company investigated and I would like both of these debt collections removed from the credit reporting bureaus. Please assist me and help to rectify this situation, it 's very stressful having to deal with false transactions and fraudulent reporting on my credit. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Please find the attached letter, XXXX label and fraud alert that I put on my account once I learned that an account was open with USAA. I have contacted them over and over to be told this account would not negatively impact me or my credit. I was told there are notes on my account and to disregard any letters. I was told they could not send me any confirmation due to me advising that this account was not mine. I need this cleared from my account immediately I am attempting to get a house loan and this is impacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting a bankruptcy that is not correct. The name of the court, my name and the court reference numbers are all incorrect. Delete off my report immediately.
Product: Checking or savings account

US Bank took over Union Bank of California. I downloaded the US Bank app and put in my information. It was confirmed and I was using the app. Then a few days later, I couldn't log in, getting a message that my account information was " unavailable. '' After a few days of the same message, I called the phone number listed on my " unavailable '' message and WAITED 20 MINUTES ON HOLD for a rep. The rep, who was very friendly, said that my account was " flagged '' because they were unfamiliar with me. She said it would be accessible again in a few days.

That was almost a week ago, and I STILL CAN NOT access my accounts through the app.Today I logged into the desktop website, and the message said that my user name was discontinued. 

WHAT IN THE XXXX IS GOING ON? WHY AM I BEING TREATED LIKE DOG XXXX? 
I NEVER ASKED FOR THIS STUPID MERGER, AND NOW I CAN'T HANDLE MY ACCOUNTS LIKE I USED TO. THIS STINKS!!
Product: Credit reporting or other personal consumer reports

XXXX  XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX  XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX  XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian, XXXX, XXXX ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. XXXX  XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX  XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX  XXXX terms and conditions they agreed not to share my information with non affiliates. Experian, XXXX, and XXXX are not an affiliate of XXXX  XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX  XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Mortgage

Sun Trust Bank denied our home purchase loan and the reason is due to " previous relationship ''. Since we never had any dispute with Sun Trust, our credit score is high and debt to income ratio is low, we contacted Sun Trust Bank asking for an explanation. However, Sun Trust Bank loan officer never explain to us and just ask us not to contact her. We suspect that our identity were stolen or other misunderstanding that caused the denial, so we really want Sun Trust to provide more information to prevent further damage. However the only thing they do is to act rude and treat us unfairly.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Checking or savings account

I called BMO bank customer service to report a Fraud transaction on my account 5 debit card deduction done for XX/XX/XXXX ( pls see attached proof below ) which was not authorized at all, scammer 's that hacked my bank acct is from foreign country with No direct contact, i called my bank ( BMO ) to stop & closed my account for protection & to avoid further fraud transaction, but bank refused to talk to me & do something to avoid more an authorized transaction & advice me to go to the nearest branch & wait till they open which put my acct at risk, BMO should protect there client acct especially in a situation like this whick is emergency on top of that BMO did not even alert me through text or email! which was supposed to be there protocol when there is a suspicious transaction same as before so atleast i can confirm & stop the fraud to protect my account, which is bank responsibility and by law. i hope you can assist me on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to remove XXXX XXXX from my credit report since I reached out to XXXX XXXX and they have not provided any debt validation for this debt. If they can not provide the CFPB a contract that I have signed with XXXX XXXX then I would like this item removed from my credit profile.
Product: Checking or savings account

I use online banking at Bank of America to pay my rent each month. On or around XX/XX/XXXX I scheduled a check to be mailed to my landlord on XX/XX/XXXX for {$790.00}. On XX/XX/XXXX I checked my bank account using the app and saw that the funds had been withdrawn and all charges from the weekend had been posted to my account. When I checked again on the XXXX no charges from the weekend had been posted and my bank account balance did not reflect a rent payment. When I tried to check my bill payment center the app stated the service was temporarily unavailable. I has been receiving emails from BOA directing me to a message regarding bill pay, but I did not click on links in case of phishing. Instead I logged into the app and saw no messaged. On the XXXX I checked my account and now the {$790.00} had been deducted and the charges from the weekend were reflected again. When I logged in this morning the {$790.00} has been returned to my account the billpay center looked completely different. I could not see any previous payments. After one hour on the phone I learned a freeze had been placed on my bill pay by the Know Your Customer department because they had attempted to reach out to my mother, with whom I opened the account 14 years ago, to confirm her information per " federal regulations ''. This freeze delayed my rent payment and put my housing in jeopardy. The bank has also threatened me with fees because they were unable to process the payment, even though I had nothing to do with it.
Product: Debt or credit management

I have requested A Refund for an unauthrorized charge and a membership I did not request I have sent XXXX or more emails to tomo and sent cert mail and countless hours on trying to get my money back and make contact I made conatct with them within XXXX of seeing the illegal charge on my card and email for a membeship with days of aggravating and harrasing emails turning into weeks now even after I have opted out the Customer Service department only sends scripted emails there is no phone number anywhere for the XXXX company I tried to use this service for help while they get away with breaking the law and violating my rights so they respond that they cancel my membership after XXXX weeks but will not return my money even after the fact i did not use one secound of thier service or ask for anything products they respond with ... ....

" As outlined in our terms, the payments made are non-refundable. This policy helps us allocate resources and support our services effectively. We value your feedback and are committed to ensuring a satisfactory resolution. If there are any outstanding issues or further assistance we can provide, please do not hesitate to contact us directly. Sincerely, XXXX '' XXXX XXXX where is the phone number????????? how do I contact anyone directly>> about my refund I never read your terms because I never wanted your service do you understand that XXXXXXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX - XX/XX/year> 15 U.S.C , 1681section 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

starting in XXXX 2017 until XXXX 2017 i have had serveral unauthorized charges on my Chase checking account. Chase Bank has denied refunds for most of these unauthorized charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX A Reported : XXXX XXXX, XXXX - incorrectly reporting as *charged off as bad debt and sold to a another lender*. THIS WAS PAID IN FULL IN XXXX OF XXXX. I've made multiple requests for evidence of the charge off /pay history for which there has been no response for more than 60 days. Please delete the account in entirety or update the account information to PAID IN FULL. I've included a copy of my drivers license and bank statement as proof of payment.
Product: Credit card

My son is a college student who acquired a credit card with Discover about a year ago. He attended a wedding ( out of town ) on XXXX XXXX. He had told me then that he would not be able to make the credit card payment on time. He really struggles to make his payments on time. I had no money so I advised him to pay it late as he always pays in a timely manner. On XXXX XXXX at XXXX my phone rings. Caller id discloses it is Discover Financial I do not answer. At XXXX the phone rings again. Discover Financial so I answer. The woman asks to speak with my son. I tell her he is a college student and is not home. Well she says she can speak with me, am I his spouse? No I answer, I am his mother. Well she says he is probably at work so what time can she reach him? I again explain he is in college and does not live here. I also ask her why she is calling me at XXXX as I am aware she is calling about his unpaid bill. How late is it I ask two or three days? I found out later from my son payment was 5 days late at that point and these people were calling at XXXX about it. I also inform the rep that I believe it is illegal for them to call me before XXXX. She assures me they start working at XXXX so it is OK. She understands how I feel! No I told her, not really - you issue credit cards to college students who struggle to pay them on time and then you call and harass them for money when they are two or three days late on their payments. I told her if she really understood how I feel she would leave the building because I felt like dropping a bomb on it! I also asked her to stop calling my phone as I pay the bill and my son lives at XXXX University. My son later also told me they have his cell phone number but never call it. The rep told me they have no other way of contacting him except my phone number. I replied " well you have plenty of time to call me at XXXX maybe you can use some of that time to hunt him down! ''
Product: Credit reporting, credit repair services, or other personal consumer reports

im filing this disputes because I have sent in a letter to verify the inquires on my credit report and have no been notified of the investigation. I sent In the letter on XX/XX/2021 and it has been well over 30 days of noncompliance. please help me resolve this matter as I refuse to wait any longer for further investigation. to my understanding the agencies have 30 days to investigate and the time is up, so please remove the unauthorized inquiries from my credit report promptly. as pursuant the fair credit reporting act 604 15 USC 1681b ( 3 ) information regarding inquiries, in section 609 ( a ) ( 5 ) 1681g a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer.