23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In late XXXX of 2019 I was contacted by Credit Solutions , Inc. located at XXXX XXXX XXXX , XXXX, KY XXXX about a medical bill I owed. The person I spoke with told me I was setting up a one-time payment only and that I would be able to pay monthly. I agreed to this because I am self-employed and never know exactly how much money will be in my bank at any given time. I have been self employed for over 20 years and it is a policy of mine not to EVER authorize automatic payments for just that reason. 

On XX/XX/2019, Credit Solutions Inc. took {$110.00} from my bank account. I NEVER authorized any automatic payments to be deducted from my account. I contacted my bank to get a phone number, and called that number. I was SHOCKED when the person on the other end of the line said I had authorized automatic payments. I NEVER DO THAT. I forcefully explained that I never gave authorization for automatic deductions to be made, and that if there was some misunderstanding on their part and they thought they did have authorization, I RESCINDED any authorization for them to make any automatic deductions from my bank account at any time in the future. 

They said they would stop the automatic deductions, but I can not believe that, since they never had authorization to begin any automatic deductions. 

I am seeking help from CFPB to ensure that the automatic deductions are stopped and if possible to prevent Credit Solutions from doing this to anybody else in the future.
Product: Credit reporting or other personal consumer reports

Today, I noticed that my credit report contains accounts that shouldnt be there, and I dont know why. I routinely review my credit report, but this time, I found errors that seemed to appear out of nowhere. I attempted to refresh the page to see if it was a system glitch, but the inaccuracies remained. Given this situation, I kindly ask that the documents I submitted be carefully reviewed so I no longer have to deal with this concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and my information and my identity was used to make accounts and inquiries in my name Ive also made a police report and sent that to them also but they still have these accounts on my credit report which had effected my life can someone please help me.
Product: Checking or savings account

I am writing to file this complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$490.00}, XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$830.00}, XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$460.00}, XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$130.00}. I HAVE NO CONTRACTS WITH THESE COMPANIES AND THEY HAVE AFFECTED MY CREDIT SEVERELY. I WOULD LIKE THEM REMOVED IMMEDIATELY.
Product: Student loan

I am currently an XXXX. I make less than XXXX a year. At some point, probably 2-3 years ago, my rates went up and I could n't afford the repayment monthly. I was paying around {$410.00} every month for my student loans. One month prior, on XXXX XXXX, 2016, Navient sent me a letter stating I would have a 252 % increase in my current student loan payments beginning on XXXX XXXX, 2016. A 252 % increase is exorbitant and ridiculous on a XXXX salary. They refused to work with me and want to go after my parents. The agent was very rude and pushy and basically told me my parents ' financials need to be given before they will even begin negotiating repayment plans on my student loans. I am XXXX years old and my parents have not been financially responsible for me in 6-7 years. Their financials have never been made known to me, and as a married woman, they are not financially responsible for me. My father is a XXXX for goodness sake, living off a modest pension. I do n't understand how this is even legal. Not to mention, my parents never agreed to the terms of the repayment when I changed them, so I 'm not sure legally how they can be held liable. I have no idea how my husband and I are going to be able to afford this.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE FRAUDULENT ACCOUNTS AND HARD INQUIRIES OFF MY CREDIT PROFILE IMMEDIATELY FROM XXXX, XXXX, TRANS UNION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00}
Product: Credit reporting or other personal consumer reports

This complaint is against ENCORE CAPITAL GROUP INC./ MIDLAND CREDIT MANAGEMENT INCS and XXXX XXXX XXXX XXXX ( acting as ) President. We are FEDERALLY PROTECTED CONSUMERS. Our credit report ( s ) have erroneous reporting from MIDLAND CREDIT MANAGEMENT INC. We have been advised that CREDIT REPORTING is a form of collection strategy and we demand that ALL credit reporting CEASE IMMEDIATELY as ENCORE CAPITAL GROUP INC./ MIDLAND CREDIT MANAGEMENT INC and ( acting as ) President, XXXX XXXX XXXX XXXX are in violation of 1692e ( 8 ). We never received an initial communication from ENCORE CAPITAL GROUP INC./ MIDLAND CREDIT MANAGEMENT INC , which means they are in direct violation of 15USC 1692g ( a ) ( b ). We have NO CONTRACT, NOR ACCOUNT with MIDLAND CREDIT MANAGEMENT INC. NOR DO WE WANT TO CONTRACT WITH ENCORE CAPITAL GROUP INC./MIDLAND CREDIT MANAGEMENT INC , MIDLAND CREDIT MANAGEMENT INC nor ANY of the CORPORATE NAMES they HIDE BEHIND. NOR DO WE WANT TO CONTRACT WITH ENCORE CAPITAL GROUP INC./ MIDLAND CREDIT MANAGEMENT INC. We are not a customer of ENCORE CAPITAL GROUP INC. We are NOT a customer of MIDLAND CREDIT MANAGEMENT INC . NOR have we ever entered into a contract with ENCORE CAPITAL GROUP INC./ MIDLAND CREDIT MANAGEMENT INC . 

We NEVER gave PERMISSION / CONSENT to MIDLAND CREDIT MANAGEMENT INC. to use or be in possession of any of our NON-PUBLIC PRIVATE PERSONAL IDENTIFYING INFORMATION. This is a VIOLATION of THE GRAMM- LEECH- BLILEY ACT . TO BE CLEAR We DO NOT accept MIDLAND CREDIT MANAGEMENTS offer to contract. We DID NOT and DO NOT consent to ANY non-affiliated third party ( MIDLAND CREDIT MANAGEMENT INC. ) to be in possession of our NON-PUBLIC Personal Information. 

MIDLAND CREDIT MANAGEMENT INC. IS VIOLATING our USC 1692 rights for over a year! Because of the nature of these VIOLATIONS with MIDLAND CREDIT MANAGEMENT INC. against us, were asking for {$11000.00} per violation. This is for MIDLAND CREDIT MANAGEMENT INC. causing distress, many missed nights of sleep, headaches, and US being DENIED CREDIT due to this derogatory FALSE INFORMATION with the Credit Reporting Agencies. I HAVE NO CONTRACT WITH MIDLAND CREDIT MANAGEMENT INC. and I HAVE NO LAWFUL nor LEGAL OBLIGATION to even COMMUNICATE with MIDLAND CREDIT MANAGEMENT INC. AT ALL. 

BE IT KNOWN NOW, this is ENCORE CAPITAL GROUP INC./ MIDLAND CREDIT MANAGEMENT INCS NOTICE to CEASE AND DESIST all UNLAWFUL and ILLEGAL ACTIVITY IMMEDIATELY. THIS IS NOT A REQUEST FOR VALIDATION, VERIFICATION or ANY REQUEST at all. THIS IS NOTICE OF A BOGUS DEBT. The matter has NOW BECOME CLEAR that ENCORE CAPITAL GROUP INC./ MIDLAND CREDIT MANAGEMENT INC obtained/PAID FOR our NON-PUBLIC PERSONAL INFORMATION WITHOUT our LAWFUL AUTHORIZATION and that constitutes AGGRAVATED IDENTITY THEFT 18 USC 1028A. 

MIDLAND CREDIT MANAGEMENT INC. should also know that in XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that REPORTING AN ( ALLEGED ) COLLECTION ACCOUNT ON A CREDIT REPORT IS INDEED considered COLLECTION ACTIVITY.
Product: Credit reporting or other personal consumer reports

t : Dispute of Fraudulent collection Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Equifax, and XXXX XXXX I am writing to formally dispute the inaccurate and fraudulent information that appears on my credit report under the account name " XXXXXXXX XXXX '' ( Account Number : XXXX ). This account, which is listed as a collection account with a balance of {$1200.00}, is not mine and was opened fraudulently. XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) : ** - Under the FCRA, Section 605B ( 15 U.S. Code 1681c2 ), consumers have the right to block information resulting from identity theft from appearing on their credit reports. As this account is fraudulent, I request that it be blocked from my credit report immediately. - Additionally, under FCRA Section 611 ( 15 U.S. Code 1681i ), I am requesting a reinvestigation of this account. The credit reporting agency is required to complete the reinvestigation within 30 days of receiving my dispute. XXXX. California State Laws : ** - Under the California Consumer Privacy Act ( CCPA ), I am entitled to request the deletion of personal information collected by a business that is not accurate. Since this account was fraudulently opened, I am requesting that all associated personal information be deleted from your records and not shared with third parties. - Furthermore, per the California Civil Code Section 1785.16 ( Californias Credit Reporting Agencies Act ), I have the right to request a reinvestigation of inaccurate or incomplete information on my credit report. The credit reporting agency must respond to this request within 30 business days. Please consider this letter my formal complaint and dispute, and I expect a response within the legally mandated timeframe. Enclosed are copies of my identification and any other documentation to support my dispute ( e.g., police report, FTC Identity Theft Report ). Thank you for your prompt attention to this matter. If this issue is not resolved to my satisfaction, I am prepared to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the California Department XXXX XXXX XXXX, and potentially pursuing legal action.
Product: Credit reporting or other personal consumer reports

i have contacted XXXX  XXXX XXXX in regaurds to inaccurate reporting on my credit report please remove the late payment using 15 u.s code 1637 definitions ; open and consumer credit plan, section 12
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Been A Victim of Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

mY COMPLAINT IS WITH EXPERIAN REPORTING. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/XXXX. 
MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKE EXPERIAN TO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY REPORT.
Product: Debt collection

I have a few accounts that it was n't even me. On XXXX account and XXXX, my phones were stolen and i was locked up in prison at that time.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Debt collection

this company has violated my rights this company has not validated any of my specific request ( 1692ea ). They are still reporting inaccurate information on my character.

they have violated ( 1692cc ) by sending over information not specific not accurate information after asking for cease of communication.
Product: Credit reporting or other personal consumer reports

I was informed by Trans Union of fraud on my account They sent me a copy of my credit report so I can confirm any suspicious activity. 
Several accounts that was not open by me. Are on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are all fraudulent accounts on my credit report there are Wisconsin addresses on my credit report, even though Ive never lived or had an address in Wisconsin ive also reached out to these companies and none can provide documentation showing my signature. Also, I spoke with Peoples Credit informed them that the account was fraudulent so they had the vehicle repossessed, which is hurting me even more because they didnt remove it from my report.Once I found out about it I didn't contacted XXXX as well as XXXX just to make sure that the information wasn't on both reports as well and I found out that they are I have disputed this information directly with credit bureau of also filed an FTC report as well as contact the local police department this fraudulent and unverified information is causing harm to my credit report I have contacted a lawyer in order to seek damages due to these bureaus adding the information without properly verifying that it was correct and not fraudulent My attorney has informed me to give these companies 30 days to rectify the situation before taking legal action and as they are in violation of the FCRA
Product: Credit reporting or other personal consumer reports

Asked credit reporting agencies to validate alleged debt with assignment contract and they keep sending me a stall letter claiming that I am a credit repair agency
Product: Credit reporting or other personal consumer reports

I have submitted a dispute to you and i didn't get a response within 30 days and ya 'll are required by law to do so. Please investigates my disputes, Please. Thank you.
Product: Credit reporting

Late payments being reported by XXXX are not accurately reported. There are discrepancies varying from each of my credit reports to the next, they are not even reporting the same late months and years as the other. And there is no way that it 's possible to be late for a payment ( s ) on my account but not actually late that same month and year with the same account, as listed on alternating credit reports. The dates listed as late for 30, 90, or 120 days late are not correct. On XXXX credit report it 's only listed as XXXX times late while the other listed as XXXX times reported late etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject to Subsection ( C ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I did not consent to fed loans to report any student loans to my credit report. I have no knowledge of these accounts and I demand the removal of these student loans reporting on my account immediately.
Product: Money transfer, virtual currency, or money service

I have an unacceptable problem with Santander Bank. In XX/XX/2023, I linked my wife 's XXXX XXXX to my Santander bank for money transfer. It was successfully linked ( proof of the email attached ) and I initiated the XXXX XXXXXXXX money transfer after receiving the successful link confirmation email. Then it triggered the freeze alert from Santander bank. I called them 5+ times about allowing the transaction since it's valid transaction and I followed all the procedure required. All of their call center representative couldn't understand why it was on hold and how to solve the problem. I even visited the local branch and the local representative called their back-end office and still couldn't solve the problem at all. One person called me to apologize for the bad call experience after I gave them bad survey result. However, the hold is still there. OK, then I waited and hope they can eventually solve the problem, but the time given to Santander doesn't help anything. After a month, the freeze on my money transfer function is still there and I had to call them again yesterday ( XXXX ). A gentleman asked me to provide my wife 's bank statement and our marriage certificate to lift the hold and I did. I called Santander again this morning to finish the fraud alert clearance per the gentleman 's guidance. Surprisingly, the lady told me that the freeze of my money transfer function is permanent and can't be lifted forever. This is completely unacceptable and doesn't make sense at all. First of all, it was a false fraud alert. I followed all the required steps to link the account, and I did receive the success confirmation before I initiated the transfer. Secondly, I provided the required document to prove that's valid account and relationship as well. Why can't Santander remove their false alert and block me to do money transfer forever?
Product: Credit reporting or other personal consumer reports

Experian removed negative information from my credit in XXXX, XXXX XXXX XXXX was removed and put back on my credit in on XX/XX/XXXX causing my FICO score to drop a XXXX points, I would like to know how this information was verified and by who an each individual involved in the process. While the investigation is on going my credit report in reporting negative information since XX/XX/XXXX please remove immediately.
Product: Money transfer, virtual currency, or money service

got email that paypal charging me {$690.00}, for XXXX  XXXX  XXXX gb.sent from XXXX  XXXX  to my email, that came under XXXX. i do not have a paupal account, this has happen before with paypal, had to close all my account, open new one
Product: Credit card or prepaid card

An item was purchased on XX/XX/2019 for XXXX which showed on the credit card statement for {$10.00}. It showed as 2 separate charges for XXXX and XXXX. The product was delivered. No complaints. Recurring charges showed in XXXX and XXXX for {$170.00} and {$180.00}. The listing of the charges should have shown a toll free number where the subscription could be cancelled. I have no way to contact the company placing the charges. It was not made clear to me that this would be a subscription. Even so, contact information should always be given. A dispute has been filed but has not been resolved. The problem could easily and quickly be solved if contact information was provided with the charge. This should be a requirement for any subscription charge.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my info to enroll in school and I would like it removed of my credit report immediately. Please and thank you
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX/DEPT OF ED , has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, DEPT OF EDXXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Requested validation of debt, XXXX XXXXXXXX XXXX license number, cease and desist of all contact outside of USPS Mail
Product: Credit reporting or other personal consumer reports

I received several calls from Navient saying I owed a student loan to XXXX XXXX XXXX. I never took out a loan from XXXX XXXX XXXX. I asked them is the call recorded they stated yes. The dates that they provided for XXXX state was inaccurate as I did not attend and those said dates. I paid private pay out of my own pocket with XXXX state and I can provide proof if needed. I asked them to provide me the documents I signed with me taking out a loan to XXXX state nothing was never provided. They also have this delinquent on my credit report for 180 days messing up my credits profile. Please pull calls that were made to me. I told them they have inaccurate information as it pertains to me and I have no idea where they get that information from. Please assist me with resolving this matter. I also have PSLF all of my loans should be in that status. XXXX XXXX XXXX XXXX XXXX