23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021, I received a voicemail from somebody asking for my sons mom and no other information. The call was from a local area code. When I called back an agent answered and I had asked who was calling me asking for [ my son ]. She then asked if I was his mother at which time I asked for a last name and her response was well you tell me. I then asked what company she was calling from at which point she finally told me the name of the collection agency and advise she was trying to collect a debt and that the call may be recorded. She then proceeded to ask me if I was familiar with the creditor identified at which time I had told her I was aware but that I was in discussion with them. She became aggressive and told me about the debt at which time I was trying to politely interrupt to let her know I was disputing the debt, but she berated me and told me I was being very rude and that would not be tolerated. As I attempted to tell her again about the dispute she again reminded me that she was talking and I was being rude and that I needed to listen to her. I let her say what she had to say and then I asked if it was OK if I spoke, at which time she said yes. I told her again that I was disputing the debt because I was in discussion with the creditor and was not aware it went to collection until I got the notice from her company in the mail. She asked why I was disputing and I told her one of the reasons is the amount is not correct ( although thats not the main reason ). She proceeded to ask what the amount is in discussion and then made me a settlement offer. I began to tell her I was not paying anything at which point she interrupted me and I then advised her she was being rude. I continued to tell her because I was disputing the debt at which time she told me if I did not pay the settlement that it would not be offered again and that she would send the debt to the credit bureaus that would negatively affect my credit. I told her legally they can not report to the credit bureau while a debt is in dispute and she repeated herself saying it would be sent to the credit bureau. I reminded her again I was disputing it and she said she would notate it. I then ended the call. This agent/agency committed several violations of the fair debt collection practices act and in my dispute letter to the agency I have outlined this for them. I will also be sending a complaint to the Arizona Attorney General as the original creditor location I worked with to start the contract is based in Arizona and they did not notify me of the collection status
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a joint account with a family member who signed for me with SAFCO southern auto finance they kept taking more money out of my account monthly and I purposely had them get my car back because the car was junk ... .they kept charging me for a car I didn't have and have not hear from them in years now that I'm trying to get my credit fixed with XXXX XXXX now they come back putting negative comments on my credit report alot of times The credit repair people got them off the report but they came back and redid the negative so now it's still their. They are abusive and determine to ruin me and it's causing me mental breakdowns it's a nightmare with that company ... they unauthorized charges and it's different charges which is a descrepency and if that is it's gains the fair credit act and it's illegal please help me with this monster of a company
Product: Credit reporting or other personal consumer reports

My identification is being stolen and there are lots of hard inquiries. I would like to dispute all these SYNCB / LOWES XX/XX/year> SYNCB / AMAZON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not do these hard inquries and I need a document from you to submit it to credit bureaus My email address is XXXX XXXX XXXX XXXX
Product: Bank account or service

I had a XXXX Card with Barclay Bank, then encourage you to transfer funds from higher interest Credit Cards to the XXXX account, they will then cut your credit limit without informing you to make it look to the CRA 's like you are over using your credit. This has happened to me twice, on the second occasion I closed all accounts with Barclay.
Product: Debt collection

This complaint submission is in regards to a false credit report by Portfolio Recovery Associates LLC, XXXX XXXX XXXX, XXXX, VA XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a few representatives who were all extremely rude and refused to give me any information regarding this alleged debt. I spoke with another representative who gave me their company 's email so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2020. At this point in time Portfolio Recovery Associates LLC has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of XXXX {$2800.00} XXXX. I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. I am firmly requesting Portfolio Recovery Associates LLC immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Portfolio Recovery Associates LLC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding several issues I have experienced with the credit bureau. These issues include billing errors, inaccurate credit reporting, multiple unauthorized inquiries, incorrect address listings, and accounts that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian.com/upload site has given me error messages each time I have tried to upload supporting information on a credit dispute. The site only gives one other option to mail the information, It will not get there in time with the present mail problems. This is a big problem for anybody trying to resolve a dispute. There should be a way to email Experian with the problem I've encountered directly, but there is not. This has been an issue for a couple weeks now. It is as through they do not want the consumers supporting paperwork.You can attempt to upload something there, see how that goes for you. Experian needs to have a better way of submitting this, or they need to get their site working. I've recieved several error messages, saying I took to much time, that my PDF exceeded 15MB ( it was in the KB range ), that the system is down, and so on. different excuses on different days.
Product: Credit card or prepaid card

Comenity Bank discovered fraudulent charges, to stop the charges we were told to cancel the card were made on. Comenity Bank then allowed the charges to be made on a different card on the account.! 0 months later they will not tell us why they allowed the fraudulent charges. 

On XX/XX/2020 we were contacted by Comenity Banks Fraud department concerning possible fraud on our BJ 's Mastercard Account. There were four charges for just under {$100.00} from businesses we didn't know. We asked them to cancel those charges and we were told the only way to do so, was to cancel the card issued to XXXX XXXX. Which we did. We later found out that those charges were transferred to XXXX XXXX 's card and an additional four charges from the same businesses were charged to XXXX XXXX XXXX card. We then had to cancel XXXX XXXX XXXX card to stop the charges. If Comenity Bank had told us to cancel both cards we would have. Now we are out {$800.00}. Comenity Bank is telling us that XXXX XXXX operated under their terms of agreement, so we are liable for everything. I have attached all correspondence.
Product: Credit reporting or other personal consumer reports

I checked my credit reports on XXXX XXXX XXXX, and noticed that these accounts are still reporting inaccurate information. I have provided documentation to fix these accounts but nothing is getting done. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX. On my XXXX report I provided previously it showed no late payment for the closed XXXX account and you keep putting XXXX on my report when it's a 1099-C with legal paperwork from XXXX telling you to delete this account. XXXX XXXX XXXX XXXX XXXX have Late payments when I in fact had XXXX XXXX XXXX XXXX XXXX  and legal paperwork under the cares act late payments are not allowed because of a XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX 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 - IDENTITY THEFT 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: Debt collection

To Whom It May Concern, I am filing a formal complaint regarding the conduct of TRUE ACCORD Credit Collector, acting on behalf of XXXX XXXX, with respect to a debt they are attempting to collect from me that is not owed. Despite multiple requests for them to cease communication, they have continued to contact me via phone, text, and email, violating my rights under the Consumer Financial Protection Bureau ( CFPB ) regulations, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The debt in question was originally owed to XXXX XXXX, but it has been charged off by the original creditor. TRUE ACCORD, as a debt collection agency that purchased the debt, is acting in violation of CFPB regulations since I did not sign any agreement with them to be held liable for this debt. According to the FDCPA, a debt collector may not pursue a debt that has been charged off or purchased by them unless proper documentation exists to establish the legitimacy of the debt and the debtor 's responsibility for it. As per XXXX XXXX XXXX XXXX XXXX XXXX, debt collectors are prohibited from contacting an individual after the individual has made a clear and unequivocal request to cease such communication. 

I have repeatedly communicated by phone, text, and now email, requesting that they cease all attempts to contact me regarding this debt. Specifically, I have informed them that I do not owe the debt and that they must stop their attempts to collect on it. However, despite these clear requests, TRUE ACCORD has continued to contact me, violating XXXX XXXX. XXXXXXXX XXXX XXXX XXXX which states that a collector must cease further communication when requested in writing. 

Furthermore, as the original creditor has charged off the debt and I did not authorize TRUE ACCORD to act as my creditor, their continued attempts to collect this debt are also in violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX, which requires the correct reporting of information regarding debts to credit reporting agencies. The debt they claim I owe is inaccurate and unjustified. 

I am requesting that the CFPB investigate this matter, as TRUE ACCORD is failing to comply with the legal protections afforded to consumers under the FDCPA, FCRA, and other relevant regulations. They have been instructed multiple times to cease communication, yet they have failed to do so. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution of this complaint.
Product: Credit card or prepaid card

Bank of America has double charged me twice through their auto payment feature in XXXX with two different cards. 

On XX/XX/2022 I paid my balance total of {$320.00} then BoA charged me the same amount again on XX/XX/2022. I called customer service, and they said it was a mistake and offered to refund me the second amount and said this would not happen again. 

On XX/XX/2022 on another BoA card they charged me {$310.00} which was my XXXX balance. Then again on XX/XX/2022 they double charged me {$310.00}. 

All four of these charged were taken from my checking account and were actually taken by Bank of America. I did not specify to make these double payments, BoA 's automatic payment process did this.
Product: Credit reporting or other personal consumer reports

I am Filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds withing 24 hours stating the account is accurate without any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) -B, as highlighted in the CFBP recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provide consumers with the necessary proof on investigation. The are the account that I have marked inaccurate * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with all XXXX bureaus
Product: Debt collection

Equifax has this listed on my credit report. No contact information for the collection agency. Just derogatory. I have no knowledge of this amount and dont have this listed debt.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my AMER FST FIN XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do see there have been lot of changes made to my credit report when I disputed my late payment months. They are inaccurate for each bureau. Everytime I have recieved response from Bank of America that everything is accurate. But I see my credit report changed at the times I have disputed. I have asked credit bureaus many times about the months reported late. They responded it is what lender has reported. Why my credit report keep changing and lender still responds as no changes were made.CSR refused to connect to supervisor when requested. He was rude to me and hung up on me when asked to transfer call to supervisor. Also I have never recieved any statements to my old address from months XXXX-XXXX. They have hurted my chances of getting any other loans or credit cards.
Product: Credit reporting or other personal consumer reports

Inaccurate reporting on all three credit bureau charge off on my profile been ask to verify the debt with bill of sale or assignment contract also ask for a 1099c form for the charge off ask for cease and desist until proof of claims and its still reporting my credit profile
Product: Debt collection

Contact the hospital like I asked them but they refused to see I do n't owe any money never did the hospital bill was paid but they switched payment systems so they put my money in the new system which it should have applied to old system. Remove this from my report immediately l
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
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
Product: Debt collection

I formally request an investigation into specific items on my credit report that I believe have been inaccurately reported. These items are not only incorrect but are also causing significant financial and emotional distress due to their derogatory nature. The items in question, detailed below, have already been removed by other credit bureaus : XXXX, XXXX. XXXX. I am seeking your prompt attention to complete a thorough investigation within the mandated thirty-day timeframe, as per my understanding of the law. Also, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft. I've reported to Transunion that my information has been compromised and to no avail have they remove the items from my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the gross negligence exhibited by XXXX in safeguarding my personal information, which was compromised during their widely publicized data breach. This breach, which exposed the sensitive information of over XXXX XXXX XXXX, including mine, is a direct result of XXXXXXXX XXXX failure to implement adequate security measures. 

As a consumer, I entrusted XXXX with highly sensitive personal information, including my Social Security number, financial details, and other identifying data. Their failure to protect this information has caused me significant distress and has exposed me to a heightened risk of identity theft and financial fraud. 

To date, I have not received adequate assurance from XXXX that they have taken meaningful steps to rectify the harm caused by their negligence. Furthermore, their response to this breach has been lackluster, with insufficient compensation or support offered to affected individuals like myself. 

I demand the CFPB take the following actions immediately : Conduct a thorough investigation into XXXX XXXX security practices leading up to the breach and ensure accountability for their failures. 
Impose strict penalties and sanctions on XXXX for their negligence and the resulting harm caused to consumers. 
XXXX XXXX to provide long-term credit monitoring and identity theft protection services to all affected individuals, at no cost. 
Require XXXX to implement enhanced security protocols and undergo regular audits to prevent future breaches. 
The CFPB has a responsibility to protect consumers from corporate negligence and ensure companies like XXXX are held accountable for their actions. I expect prompt action from your agency to address this matter and protect the interests of affected individuals. 

I am prepared to escalate this issue further if necessary, including seeking legal remedies and involving my elected representatives. 

I look forward to your timely response and a detailed outline of the actions the CFPB will take to address this issue.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a letter from Chase Bank indicating they were closing my credit card, just 3 months after opening, because they had previously terminated the relationship ; that was in XXXX due to their negligence. Almost the entirety of the current relationship were two vacation purchases, both paid off on time.
Product: Checking or savings account

XX/XX/2024 : I have received an email from chime.com informing me that my account is to be opened and a credit card mailed. 
XX/XX/2024 : I was afraid someone may take a control over that account, so I followed instructions and opened the account using my email address and then downloaded the mobile app. The credit card has been mailed to my old address that I moved from more than 10 years ago. 
XX/XX/2024 : Called chime support and was able to close my account. I have received no confirmation who requested the account nor how they know my social security number. 

Whoever opened my account has my name, social security number, address ( although the old one ), and phone.
Product: Checking or savings account

I tried to make a payment online for a rental application but was unable to do so.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
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
Product: Debt collection

In XXXX I took out a payday loan for {$400.00}. Over the next four months I had to make payments of XXXX $ XXXX/month to satisfy paying off the loan without additional fees. I did pay off the loan but in XXXX I was notified by the law office of XXXX XXXX XXXX in Colorado that my debt now totalled > {$1800.00} with fees. Until XXXX I had not been notified that this original payday loan was unpaid. When I asked the law office for proof of non-payment they stated they did not have access to these documents. I was unable to find previous email correspondence showing my receipt of payments from XXXX due to the the email account had been deactivated years prior. In trying to find a resolution the law office refused to negotiate and then served me notice at my home in XXXX. In short the law office of XXXX XXXX XXXX has not been able to prove my loan was not paid and has added over {$1500.00} in fees and penalties as they say my new balance owed is in excess of {$2000.00}.