23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My service with XXXX XXXX  was on a monthly basis and no penalty if I left. I cancel my service and switch from XXXX XXXX to XXXX XXXX a few years back. 
Later I saw a collection placed on my credit report on XXXX for XXXX dollars to XXXX XXXX from XXXX XXXX back on XXXX XXXX, XXXX. I disputed with XXXX  and was deleted-report number XXXX date generated XXXX XXXX, XXXX XXXX XXXX placed again the same collection on my credit report at XXXX on XX/XX/XXXX for XXXX dollars-original creditor again XXXX XXXX. I disputed again with XXXX and it was removed from my credit report- Report number XXXX. Date generated XX/XX/XXXX XXXX On XX/XX/XXXX Credence Resource Management placed for collection on my credit report at XXXX the same collection bill from XXXX XXXX that XXXX XXXX had try before, this time for the amount of XXXX dollars-Original Creditor XXXX XXXX. I disputed with XXXX and it was deletedXXXX Report number XXXXDate generated : XX/XX/XXXX. 
A month ago I found out that the same collection bill from Credence Resource Management was placed for collection on my credit report at XXXX  back on XX/XX/XXXX. original creditor XXXX XXXX-amount XXXX dollars. 
Around XX/XX/XXXX I filed a dispute with XXXX. The collection was not remove from my credit report and I don't know why. 
I have filed on XX/XX/XXXX a second dispute with XXXX but this time I want a mediator to oversee my dispute because this is an unlawful attempt to collect money I don't owe and it is damaging my credit score put out by XXXX and my credit. 
The collection reports from Credence Resource Management placed on my credit report has been deleted from the other report agencies because of the unlawful attempt from XXXX XXXX  to collect money I don't owe. It is the same alleged bill owe. 
On XXXX and XXXX the collection placed on my credit report from XXXX XXXX was deleted from my credit report at XXXX, so was on XXXX the collection placed by Credence Resource Management-DELETED-, it was the results of the investigation done by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I used to have a XXXX XXXX XXXX XXXX XXXX issued by XXXX XXXX. InXX/XX/XXXXthese XXXX  have been sold to XXXX XXXX XXXX. My balance with XXXX XXXX before the takeover was XXXX. I received a new card from XXXX XXXX XXXX  and started with a XXXX balance. I have recently checked my credit report ( XXXX ) and noticed that XXXX XXXX XXXX shows 2 open accounts, the one currently in use and another one with an open balance of {$140.00} since XX/XX/XXXX but no payment due. I do not recognize the account number at all. I have contacted XXXX XXXX XXXX Customer Service, they do not find a second account in my name or any applications, and no payments due on my account, since I always pay my statements in full every month. I have called the number for XXXX that is shown on my credit report, which turns out to be some kind of number that tries to get you into some sweepstakes, home insurances and other bogus things. I have not pushed any buttons or numbers, as I am aware of these kinds of scams.
I have filed a dispute with XXXX, to no avail as of today.
Further down I am asked for the card/account number. I have put in what I know, nobody can tell me the last 4 digits of that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Trident Asset Management reported a collection account for XXXX without ever notifying me. I called them end of XX/XX/XXXX and they removed the collection from two of the credit reporting agencies leaving it on XXXX. I submitted a dispute through XXXX and they verified the account but have yet to send me notification/validation. I sent the dispute letter through certified mail and regular mail. This is my last attempt to work with them prior to submitting it to my attorney to file suit once the courts resume operations.
Product: Credit card or prepaid card

I have had a Care Credit / Snychrony account for several years. My original credit limit was {$800.00}. I have been paying the balance down on my account in order to reduce my overall debt load and increase my credit score. 

Looking at my statement I see my credit limit was lowered to {$580.00}. I have received no notification in writing or otherwise prior to my monthly statement. 

This is a clear violation of the CARD act and their own contractual obligations. It is adversely affecting my credit. 

I request my original limit be restored and any appropriate action be taken against this lender.
Product: Checking or savings account

My biggest complaint is why does chime claim all over the internet they are a bank. When in there on reply they then say they are not a bank amd don't ha e to go by the same rules and regulations. I can provide multiple ads that they claim to be the # 1 online bank. But then they claim they are not legally. The is misrepresenting them selves and should be illegal in every way. See picture I attach they claim to be mobile banking. Would like them to explain how they can claim this in an add and then not actually be one. False advertising
Product: Credit reporting, credit repair services, or other personal consumer reports

Member ID XXXX Experian this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15usc 1681 Section 602 8 state I have the right to privacy 15 usc 1681 section 604 a Section 2. Reporting agency can not furnish my account with out my written instructions.
Product: Credit card or prepaid card

I opened a credit card that was supposed to come with benefits. None of the benefits were received. Immediately upon opening the credit card I called AMEX to confirm I would receive the benefits of the card, most specifically the platinum elite status with XXXX and was told this could take some time. That is not in the terms and conditions of the card that it would take some time. The terms and conditions state that when the card is opened I am platinum elite with XXXX. I called numerous times to AMEX to try to convey to XXXX that I have this card spending over an hour and a half on the phone on XX/XX/XXXX. Please listen the calls. At the end of the hour and half I said I was dissatisfied that my problem could no be solved ( I did not show as platinum elite in the XXXX system online ) and I was put on hold and then disconnected. Terrible service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion and asked them to look into my account about some hard inquiries that I know should not be on my credit report. I spoke with a man named XXXX who first helped me with this situation. I gave him all my information, and we proceeded to go over the inquiries I asked about. He told me that he understood my concerns, but i need to contact them and ask for a letter of deletion if i wanted them removed. I explained that they don't belong to me and i would like him to investigate these items for removal. We went back and forth and i asked for his supervisor. I spoke with XXXX # XXXX who told me that it is not Transunion 's job to remove these items. Again, I asked for an investigation and if he can't provide me proof of them belonging to me, they should be removed. I have an adult son of the same name and i wanted these removed because I'm sure they don't belong to me. He denied my request for an investigation and stated even if they are not mine, they won't remove unless I contact the one who reported them and get a letter of deletion before helping with anything. I ask that the CFPB look into the situation and please help remove the following unauthorized accounts form my credit report. Please either provide proof these inquiries have been made by me, or delete them for being inaccurate and unauthorized. 

XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I was affected by XXXX XX/XX/2020 and again after I took the 2nd XXXX. 
I have requested mortgage assistance and forbearance with the mortgage servicer BSI Financial the mortgage servicer. I have been declined any type of assistance for several months. I was told my investor will not provide mortgage assistance or a forbearance for my mortgage. The correspondence I received stated I was offered mortgage assistance 2020 and I refused the modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

ITS BEEN MORE THAN 30 DAYS SINCE I DISPUTED THE FOLLOWING INQUIRIES AND I HAVE NOT HEARD BACK FROM TRANSUNION. 

15 USC 1681C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT THIS COMPANY MUST REMOVE INQUIRIES IMMEDIATELY TRANSUNION XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Debt collection

This letter is regarding account # XXXX, which you claim my account was charged off/collections. Please REMOVE this account to on all 3 Credit Bureaus ( XXXX XXXX  and XXXX ). This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of reviewing my consumer reports and noticed inaccurate and unrecognizable addresses listed on my consumer report. 

It is as follows : XXXX XXXX XXXX XXXX, WI XXXX ( XX/XX/2015 ) 15 U.S. Code 1681e - Compliance procedures states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete for the consumer report for violating compliance procedures. 
Thank you in handling this matter.
Product: Student loan

I have taken out XXXX private student loans, which American Education Services ( AES ) bought out. I have been paying on these XXXX loans every month and I pay on time. My payments total XXXX and only XXXX ( ballpark ) goes towards the actual balance. Since XXXX a total of XXXX has gone towards my balance and the rest I was told went to interest. I called this company numerous times to get help from them regarding a payment plan and they are never any help. They say I used up my options. They are not very professional or friendly. The representatives are rude. They do not explain how the repayment plans work and they do n't notify the customer that they only get XXXX chances to change their repayment plan. I have done some research on this company and there are numerous bad reviews about the company, with many consumers complaining about the same problems. This company should be investigated and looked in to by someone, as I think they are ripping people off. I work very hard for my income and I pay faithfully to this loan and the balance is barely going down.
Product: Debt collection

On XX/XX/XXXX I received a letter from Aargon collection agency asking to pay a debt in the amount of {$39.00} and interest {$4.00} on the behalf of a creditor XX/XX/XXXX XXXX Hawaii XXXX. They also state that my account is or may be reported to credit reporting agency. I called the collection agency right away. The told this debt is from services received on XX/XX/XXXX. As a matter of fact I have never been on Hawaii at this period of time. I lived in California. I received some services from XXXXXX/XX/XXXX on XX/XX/XXXX and paid them on XX/XX/XXXX.
Product: Checking or savings account

Please be advised that as of XX/XX/year> as listed on my most recently reviewed Allied interstate LLC there are several frauds/ or unauthorized information on this account and this debt was sold for less to a third party, please send me the original debt with all documentation stating exactly what I owe. please see the below account XXXXXXXX XXXX XXXX  Account # XXXX reference # XXXX Please remove it from my credit report. 
I am hereby notifying you that the account on file is incorrect and I have not given Allied interstate LLC permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to Allied interstate LLC resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Checking or savings account

I was scammed by a person on XXXX  to invest in XXXX. I was promised high returns and the investment plan would take one month to finish and after one month that I am able to withdraw my money. The person told me that he charges a 6 % commission on the return on investment. After one month had passed he asked me for his 6 % commission, he said that I need to pay his commission before I could withdraw the money from the broker or else he is going to freeze the account and I won't be able to get my money. I got scared and paid him his commission. After paying his commission, he said that I need to pay taxes on the return on investment first before I am able to withdraw my money. He then charges me 5 % fee on the return on investment. After paying him the 5 %, he msg me the next day asking for 5 % more or else I won't be able to withdraw my money. At this point, I told him I don't have any money to pay him. We communicated back and forth and I keep telling him I have no more money. He then lowered the amount and I keep telling him I got nothing to give. I asked him for the 5 % of the money I gave him because nothing was done, and he told me it'll take 5-10 days to return the money. 5 days had passed and I msg him on XXXX, he un-installed his XXXX  account and I got no way of communicating with him. I contacted the broker to withdraw my money but they are giving me a run around that they have escalated the issue and they will get back with me in 48 hours. It has been 2 weeks of communicating with the broker and they keep telling me the same answer to that they will get back to me. I tried withdrawing my money from the broker but they keep rejecting it. I reached out to wellsfargo to try and dispute the transactions and they denied it. I hope that you could help me with this issue. Thank you very much. 

My initial investment money {$18000.00} The commission fee {$5500.00} Taxes fee the person charged me {$6600.00} XX/XX/22 {$5000.00} XX/XX/22 {$4200.00} XX/XX/22 {$5000.00} XX/XX/22 {$5000.00} XX/XX/22 {$3200.00} XX/XX/22 {$3100.00} XX/XX/22 {$4600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to to a auto dealer ship to find a new car, I found one I liked and was asked to step in a office with a sales representative. I told the rep. that my scores were only fair and that if he had to pull my credit more than once or twice then it would be best if I just waited until I was in a better position with scores. He told me he was sure he could get me done first try with their bank that was not true. 

XX/XX/XXXXL, XXXX XXXX, XX/XX/XXXXXXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> mail was delivered to Equifax via USPS certified mailing ( tracking # XXXX ). Enclosed in this mailing included a dispute letter ( requesting original creditor documentation ) in order to verify fraudulent accounts found on my most recent Equifax consumer credit file, or remove items. All supporting identity verification documents ( Passport, Copy of SSN Card, Notarized witness affidavit ) including address verification ( Bank statement ) were also enclosed. 

I received a letter from Equifax dated XX/XX/year>. The letter explains my dispute request has been received but information provided to verify identity does not match information on my credit file. This is complete negligence as the letter contradicts the information provided in my letter. I have wasted time & money doing my due diligence as a litigious consumer and request a fair & thorough investigation of unknown personal information & fraudulent accounts reporting on my report which I DID NOT authorize. 

Pursuant to Section 15 U.S.C 1681i ( 5 ) ( A ) ( i ) ( ii ) this information remains on my credit report unverified. I am requesting the original creditors contract ( including my signature ) or removal of unverified accounts & personal information.
Product: Credit card

Ive contacted capital one several times disputing these XXXX charges XXXX, XXXX XXXX - {$220.00} XXXX XXXXXXXX XXXX - {$420.00} XXXX # XXXX - {$690.00} XXXX XXXX - XXXX - {$590.00} that were not authorized by me. I did not have this card in my possession during this time I did not enter any information in any terminal or online for these merchants. Nor was I at this location Capital one refuses to reverse these fraudulent charges. Ive contacted the merchants individually and they have instructed me to contacted capital one to fix the issue and capital one has not done anything since i noticed these fraudulent charges in XXXX. Attached is the letter that sent to the merchants and capital one along with an affidavit FTC report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX6 Subject : Request for Assistance in Resolving XXXX XXXX ( Debt Bondage ) Case To Whom It May Concern : I am a victim of XXXX XXXX. The information listed below, which appears on my credit report is the result of XXXX. 

Please block this information from my credit report withing four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

These accounts have resulted in several hard fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the accounts, or collections, as reported on my consumer credit report that is being maintained by your organization. 

Per the Consumer Financial Protection Bureau ( CFPB ) the documents needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I sincerely request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. 

I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, and Experian. Please delete the following accounts. 

Ive listed each account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im requesting that XXXX send me proof of the corrections. I appreciate your urgency in correcting this mater. 

Sincerely, XXXX XXXX XXXX XXXX : Proof of Identity Trafficking Documentation
Product: Student loan

I haven't applied for student loans since XXXX and I have no connection to ascendium or whatever but I keep disputing the 8 accounts on my credit file and the bureaus keep verifying them as accurate. I just ran my name to see if my private information was compromised by XXXX  in their XXXX security breach and apparently it was, yet XXXX  never informed me and I can't provide evidence to support my disputed information. I just don't see how im obligated unless to a judge
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. I has taken action with these companies, and i still havent gotten any results. I also have included with this report an identity theft report.
Product: Debt collection

A collection of {$200.00} showed up in XXXX XXXX on my credit history for a debt issued in XXXX XXXX. The collection agency did n't make any attempt to contact me and posted the debt directly on my credit history. On XXXX/XXXX/XXXX I asked them to provide details about the debt like what is the debt about, who do I owe the money and they have not responded to my request. 
I have XXXX credit score for several years and I recently applied for student loan that got denied because of this debt.