23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I don't know the dates, amount or company, as this was over 20 years ago. Portfolio XXXX bought an old debt from some credit card company They call my phone everyday before the new law went into effect theywere calling 6-10times a day.Now they call everyday from a different number. No message nothing I have caller ID so that's how I know it's them. Phone numbers within the last week are XXXX, XXXX, XXXX these are just part of the numbers. I have asked them to cease and not to have any other contact with me for the last 4 months. They continue to call Everyday once someone did reply with a laugh and said I can call you everyday and you can't do anything about it. I'd didn't write the date down. I've even tried to block their calls and they use another number. I don't even know what credit company it's for. But I do know it's been atleast 20 years ago if not more
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX  -- XX/XX/XXXX XXXX  -- XX/XX/XXXX EQUIFAX  XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have been using XXXX with bank of America and I never received any warnings when sending money to someone. I think this was very unsafe
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no choice but to continue my protest against a licensed lender throughout the United States that brokered a deal in my home state of New York, serviced the account until I defaulted, then the loan originator XXXX XXXX  sold it to a third party. A copy of the XXXX XXXX XXXX assignment is attached, along with a copy of the default judgment. The account was settled for {$12000.00} and a cashiers check made payable to the plaintiffs law firm to satisfy that settlement, and XXXX XXXX was taking card of the satisfaction of judgment filing. I need the XXXX XXXX account deleted, as they are still showing a balance over {$13000.00}. The account was taken away from XXXX XXXX the day the the debt was sold to a third party. XXXX XXXX needs to be investigated for fraudulent collection and reporting activities and pay a huge fine for their deplorable treatment to me personally. Recently the CFPB received a XXXX XXXXXXXX settlement from XXXX XXXX XXXX XXXX XXXX for actions exactly what transpired between XXXX XXXX and myself. ( See Attached ) I did file a complaint with the following person in charge of XXXX XXXX compliance with zero response. 

XXXX XXXX XXXX XXXX of Regulatory and Government Affairs Email : XXXX Phone : XXXX Each respective credit reporting agency must take separate action against XXXX XXXX for the serious problems they have caused me for non-compliance to the FCRA and the FDCPA. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian regarding the following incorrect account details : 1. Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Highest Balance : {$44000.00} 2. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$0.00} 3. Account Name : XXXX XXXX  XXXX Date Opened : XXXX XXXX, XXXX Credit Limit : {$500.00} I have not received any response from Experian regarding these matters to date.
Product: Credit card

I have 2 hard inquiries that I need deleted under my credit that I did not authorize. They're fraudulent. XXXX is from XXXXXXXX XXXX XXXX  XXXX and XXXX ) and COMENITYCB form XXXXXXXX XXXX XXXX XXXXXXXX ). Accounts were not able to be opened but inquiries are there.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

I shopped at the Macys in XXXX, Washington and while checking out, the employee asked me if I had an account with Macys yet. I told them no then she asked would you like to get 30 % off by quickly signing up for a Macys account?. Notice that she didnt say anything about a credit card, just that I would get an account and would get 30 % off by giving some informational. She then asked for my drivers license and told me to just hit all the green buttons and give the info it asks for. I filled in my yearly earnings and then it asked for my SSN and I asked why it would need that. All she said it response was its for verification not that I was applying for a credit card. It asked for my signature which I expected for opening what I thought was a normal rewards account. After I did, she said great you are approved to which I said what? Why would I need to be approved? And she said I was approved for their credit card and I responded by saying you never once mentioned that it was a credit card that you are signing me up for until AFTER you already signed me up. I told her that this was absolutely not what I was asked to do and that it would negatively impact my credit score which is a very big deal. ( So far it has already dropped points off of my score ). She then told me to just keep the credit card account open and that it wasnt a big deal. I said it was a big deal and that this was a predatory way of getting people to sign up. She never once apologized and I could tell that she knew what she was doing and tricked me into it on purpose. She also said when I told her it would make my score go down that only a rejection of the card would make it go down which isnt true. And she also said to just put something over XXXX dollars a year as my salary so I would be approved even if I dont make that much. 
I called customer service immediately after and they said they wouldnt be able to stop the application and approval of the card and that I would need to make a complaint here and also call the credit bureau to tell them what happened. The Macys representative that I talked to said he filed a complaint with Macys as well so it hopefully doesnt happen in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I discovered an account reporting on my Transunion credit report from XXXX XXXX. This account is showing the date opened since XX/XX/XXXX. It's showing a payment history timeline starting XX/XX/XXXX and currently reporting that I am 120 days late on payment. I have no knowledge about this account entirely. Another major discrepancy is that the original balance is {$2400.00}, but the current balance is & XXXX, which is extremely extensive. This account is a significant inconvenience and has drastically hindered my ability to obtain credit. Attached is a copy of my Transunion credit report ( account has been highlighted ) and a copy of my FTC complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

They sent me a letter via email : I can also see another dispute in process. This was initiated on XXXX XXXX file number XXXX, estimated completion date XX/XX/XXXX. You should received a notification about the result of this dispute soon. 

We want to make sure any mistakes on your credit report get corrected as soon as possible. It looks like there was a communication issue with XXXX that prevented us from getting a status update about your recent Direct Dispute request. 

Heres what to do next : Check your XXXX  credit report to see if the error you disputed is still there. 
If that error hasnt been updated or removed, submit a new dispute request directly with XXXX at XXXX XXXX XXXXXXXX  ( You'll need to create an account with XXXX and follow their steps. ) XXXX  will alert you of your dispute status. 
XXXX XXXX will cancel the dispute you initiated with our Direct Dispute tool. 
Youll get a follow-up email from XXXX XXXX that your dispute was cancelled. This doesnt affect any disputes you initiated directly at XXXX and youll still be able to submit disputes with XXXX XXXX in the future. 
Make sure to take action so that your disputes get resolved. 

I hope this information helps you. Remember you are very important to us, if you need more information don't hesitate to contact us back again. 

Thanks for your preference and for being a valued XXXX XXXX Member. 

Regards, XXXX XXXX Member Support ref : XXXX : ref I requested validation through a direct dispute with XXXX by providing my original signature, that I agreed to these negative accounts to show that their was a meeting of the minds agreeing to these accounts and their terms. I filed my dispute on the XXXX XXXX  site directly with XXXX  on XX/XX/2021 and today is XX/XX/2021. This is thirty one days without completion and all negatives has not been removed. Please remove all of my disputed accounts.
Product: Debt collection

XXXX XXXX XXXX has an open collections account listed on my credit report, which is of an old debt that was closed. XXXX XXXX XXXX relentlessly calls me ( both home and cell ), my spouse, my in-laws, my parents, my deceased grandfathers home ... multiple times per day. They have been told by multiple people to stop calling, and they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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. 

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes. 

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I was looking over my report and I noticed several inaccuracies pertaining to this account. This account is hurting my ability to obtain credit. Its my understanding that the credit reporting agency will investigate this account for me to ensure accuracy. I would like for you to note that all accounts that are references are EXACTLY as it appears on my credit report that your company has reported. 
Please correct or delete this accounts immediately. 

Company Name Account # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, has violated my rights 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

I requested a replacement card for my HSBC credit card which has a {$3200.00} credit limit at the beginning of XX/XX/2020. 

Shortly after I received the card I received a letter showing my credit report. 

I did not authorize HSBC to do a hard inquiry nor a soft inquiry on my credit report. 

I did not ask for a credit limit increase nor a decrease. 

Then when I logged on to my HSBC online account, my credit limit was reduced from {$3200.00} to {$500.00}. 

Ive made payments which ranges from {$200.00} to {$500.00} for months and months that brought down my acct balance to XXXX, which means I have built a solid great rapport with HSBC. 

Why in the world would they suddenly decrease the credit limit? 

Its because they pulled my credit without my authorization. They took it upon themselves to do a hard pull without consent so they can illegally justify their action in lowering my credit limit. This is my formal complaint. 

PLEASE HELP. 

Cordially yours, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I review my Consumer Reports & notice that I had 1 late payment on account that I was never late for Consumer Reporting Agency has a vital roll & have a responsibility ( 15 u.s.c. 1681 ) to report Consumer information to the best of their ability with 100 % accuracy I have never been late payments for the accounts XXXX XXXX XXXX XXXX. Account # XXXX. Please provide proof with statement showing that these payments were late. I request the 100a & 1099c If proof can't be provided these payments be updated to " on time payments '' as they should be as I was not late within the next 10 business days. Thank you.
Product: Checking or savings account

I had checking accounts at both XXXX  and Wells Fargo that were charged off due to overdrafts caused by unauthorized debits. This occurred towards the end of 2019. I notified both banks of the unauthorized debits. Instead of stopping the unauthorized debits and investigating/providing provisional credit as required by Regulation E, both banks charged me hundreds of dollars in overdraft fees in addition to the unauthorized debits, charged off my checking accounts, and submitted negative information to a credit reporting agency. I received no Regulation E disclosures regarding my disputes from either bank, and the negative information reported is preventing me from opening bank accounts with other financial institutions. I had a similar thing occur at XXXX XXXX  ( I'd like to clarify that XXXX XXXX  is NOT part of this complaint ), but instead of charging me fees along with the unauthorized debits and charging off my account, XXXX XXXX  handled the situation correctly by refunding all unauthorized debits and any related NSF fees. My account remains open and in good standing. I don't understand how XXXX and Wells Fargo can get away with doing the opposite. They've harmed me financially and reputationally. This needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 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 7 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 an accurate.
Product: Credit reporting

I am a victim of identity theft and I have received a fraud alert in regards to the unauthorized and fraudulent credit inquiries listed on my Experian credit report. The following credit inquiries are unauthorized and fraudulent : 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 Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX Company XXXX XXXX/XXXX/XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXXXXXX XXXX started withdrawing almost XXXX dollars from each of my paychecks starting XX/XX/2022 which made it really hard my family and I to survive and pay bills. 

I traveled from Hawaii to XXXX XXXX and was authorized to use the XXXX XXXX XXXX XXXX XXXX  ). What happened is that they forgot to process my XXXX paper work from my last command in Hawaii. So for months ( while on deployment ) I was waiting for the money to be reimburse to me so I can pay off my XXXX. Unfortunately, that never happened and they started taking that amount from me each paycheck. So with this going on I'm behind in credit card bills, car notes, phone bills etc etc.
Product: Debt collection

The collection agency, F Hannah, XXXX, GA began a wage garnishment without proper notice, proper verification of debt, and without verifying ownership of the debt. I found out about the garnishment by mail from my employer, 5 days before it was to take effect. I finally received a letter by regular mail on the date it took effect, XXXX/XXXX/16. I filed a traverse, however the judge XXXX XXXX of GA State Court, XXXX County, Ga, showed bias to the plantiff, and ignored the GA State Code requiring delivery signature to be filed with the clerk of court within 3 days of filing the garnishment. He denied the traverse.
Product: Student loan

I attempted to ask for a temporary forbearance for my XXXX payment via email and over the phone and was denied. 

I have medical bills and dental bills that need to be paid before my student loan payment. I will not have the payment amount needed to pay for XXXX 's payment.
Product: Credit card or prepaid card

I never opened an account! I have no credit cards! It's fraud! Why does it take me forty minutes to report this online! Indigo Mastercard is a fraudulent company.
Product: Money transfer, virtual currency, or money service

CFPB complaint number XXXX filed on XX/XX/2023 regarding the undelivered {$15000.00} international wire transfer : The case has not been resolved yet. 

On XX/XX/2023 TD bank customer support 's advocate replied to my complaint by an email apologizing for the inconvenience and explained to me that the intermediary bank " i.e.XXXX XXXX  '' finally sent the money to its beneficiary on XX/XX/XXXX   after it requested additional information ( while in fact there was no new information they requested for! ). He says the delay belongs to the intermediary bank 's screening process!!. 
TD bank customer 's advocate told me it will reach its destination within a few days. Nonetheless, As of today XX/XX/XXXX  almost three more weeks passed and nothing reached to my brother yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$29000.00} XXXX   XXXX XXXX {$3400.00} XXXX XXXX {$160.00} XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/year>, my vehicle was repossessed. I contacted the towing company and was informed that American Credit Acceptance ( ACA ) authorized the repossession. On XX/XX/year>, I went to the towing company to retrieve my property. I waited a few days to see if I would be notified of the resale, auction, or otherwise, but received no communication. 

On XX/XX/year>, I sent ACA a letter requesting proof that the repossession was legal according to UCC 9-506 ( Effect of Errors or Omissions ), UCC 9-611 ( Notification Before Disposition of Collateral ), UCC 9-612 ( Timeliness of Notification Before Disposition of Collateral ), and UCC 9-613 ( Contents and Form of Notification Before Disposition of Collateral ). I also informed them that they are required to provide me with copies of legal notices and proof of the commercially reasonable manner of the notification and resale of my vehicle. To date, I have received no correspondence. 

I have called ACA multiple times and have been told that someone would get back to me, but no one has. Today, XX/XX/year>, I was informed that the vehicle was sold and that I have a remaining balance. I have not received any letter, call, or notice informing me of where and when my vehicle was going to be sold. Yet, ACA proceeded to sell the vehicle. This is a violation of my rights.
Product: Credit reporting or other personal consumer reports

I NEVER GAVE CONSENT for my personal information regarding my past whereabouts to be public information that can be used by scammers and thieves. Only have my XXXX current address showing on credit report or consumer report as its my right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

never gave this company any of my PRIVATE personal information. furnished reports fraudulently.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian **** 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 TransUnion**** 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 Equifax*** 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