23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a HIPAA Violation.This account has been going on for about two years. On XXXX they called threating me as i was going to jail and getting sued. I have no knowledge of this account and amount because it was paid. I also know that the apartment complex sold my information to this company and i never owed this much they charged interest every day and i do not know why. Two years ago spoke with complex they explained they did not have anything for me because this was due to HArvey ( a storm ) and everything was charged off. They then called a family member on XXXX and provided all information. This account has been closed and was no longer reporting under the original company. They then said just for that they will place it back on my credit and it is showing up on my reports. This is illegal and they shared my personal information and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Pnc closed all of my credit cards. Previously they closed my bank account I guess Its because of a fraud action by someone else because they disputed some of my transactions because they know it is not by me. And then they closed all of my credit cards a few days ago. Maybe I shouldve notified unused charge of {$1.00} from goole service I saw it a few days ago. Why should I be a victim?
Product: Credit reporting or other personal consumer reports

Pursuant of FCRA Section B and Congressional Law 15 US C 1681 C-2.

Violations of 15 U.S. Code 16815-2. Inaccurate Reporting of information. I have reached out to Equifax regarding to unauthorized Inquiries on my credit report and fraudulent accounts opened on my credit report without my consent. In XX/XX/year> I reached out to Equifax to investigate the matter. After 30 days i received rests from the dispute but nothing was changed after saying the accounts was updated and verified, I compared my report from the prior months and noticed nothing had been updated, which is a violations of my consumer rights and a violation to the FCRA Laws. I made them aware that these accounts at question was fraudulently opened under my identity which put me as a consumer and my credit report at great jeopardy. Failing to investigate this matter was a violation and how they are not to be reporting such information especially if I have made them aware that I didn't apply for any lines of credit nor product, as a data Furnisher, there job is to make sure accuracy reflects on a consumer reports and I have showed them where they have violated with them not complying with my request to have these inquiries and accounts deleted is a violation of my consumer rights and that they are being no compliant with Federal, State and FCRAS guidelines. I have pointed out the Laws to this Data Furnishers and how they are in clear violations of the what they have been furnishing, Credit Reporting Agencies from what they have allowed these institutions to Knowingly Report the inaccurate information. This is a clear violation of 15 U.S. Code 16815-2 and my Consumer Rights, this has affected my ability to obtain Credit and have damaged my Reputation as a Consumer. I Demand these Inquires and accounts be Deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EXPERIAN, XXXX and XXXX credit bureaus, the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : 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: Credit reporting, credit repair services, or other personal consumer reports

when checking my credit report there was some fraudulent accounts on my credit report I will like for these items to be removed asap!!!!
Product: Debt collection

I Had an account with Bank of America in XXXX XXXX New Jersey I am also a resident here I lost my wallet in the Casino and shortly afterwards my account was in the negative I filed a police report and asked if Bank of America can see if it was fraudulent. They confirmed that it was however the debt is still on my credit and attached to my social I would like for this to be removed from my social and my name
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Date : XX/XX/year> NCB Management Services , Inc.

Attn : Legal Department XXXX XXXX XXXX XXXX, PA XXXX Re : Cease and Desist from Further Contact, Harassment, and Reporting of Information Dear NCB Management Services, I am writing to formally demand that your company, NCB Management Services, immediately cease and desist all communication with me regarding any alleged debts or lawsuits, including but not limited to phone calls, letters, emails, or any other form of contact.

I am aware that your company has been harassing me with frequent and unlawful phone calls. These calls have included threats of pending lawsuits and verbal abuse, both of which are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692d, which prohibits harassment, and 15 U.S.C. 1692e, which prohibits false or misleading statements, including threats of legal action that have no legitimate basis.

Moreover, I have not authorized NCB Management Services to store, share, or report any of my personal information, including my name, address, phone number, date of birth, and partial Social Security number. As such, any attempt by your company to report this information to any credit bureau is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and constitutes fraudulent activity.

I have already filed a report with the Federal Trade Commission ( FTC ) regarding identity theft, naming NCB Management Services as one of the companies involved in using my information fraudulently. This constitutes an additional violation of federal law under the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028.

As required by law, I am demanding the following : 1. Immediate cessation of all communication with me : This includes all phone calls, letters, emails, or any other form of contact. Please note that under the FDCPA, I am exercising my right to request that you cease all communication with me as per 15 U.S.C. 1692c ( c ).

2. No further reporting of my information to any credit bureaus : Your company is prohibited from reporting any inaccurate or unauthorized information related to me to any credit reporting agencies under the FCRA, 15 U.S.C. 1681 et seq.

3. Confirmation of your compliance : Within 15 days of receiving this letter, I require written confirmation that you have ceased all communication and reporting concerning my personal information.

Failure to comply with this demand will leave me with no choice but to pursue legal action for violations of the FDCPA, FCRA, and the Identity Theft and Assumption Deterrence Act. This may include seeking monetary damages, injunctive relief, and filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and state regulatory authorities. 
Please govern yourself accordingly. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I recently discovered a collection on all 3 of my credit reports for a {$140.00} debt. It's posted on my XXXX and XXXX XXXX reports as " XXXX XXXX XXXX XXXX '', and on XXXX as " COLUMBIA DEBT RECOVE ''. I finally recognized the debt on my XXXX report as originating from my former apartment complex for move-out fees ( which I tried countless times to pay ). 

On XX/XX/year> I called both collection agencies. Besides them aggressively trying to sell me a XXXX XXXX service that I continuously declined, I repeated at least XXXX times - " I just want to pay the {$140.00} and be done with it! ". This became increasingly frustrated and I still wasn't able to just pay the debt. They constantly repeat to you and remind you that, " ... this will stay on your credit for 7 years ''. They also mention there are discrepancies and that they can clean this up for {$380.00}. They told me they need a Credit Card to validate my identity and/or Credit Report. They said it will only cost me {$1.00} for the verification. XXXX ( XXXX ) days later, I received an email from a company called Standard Scores indicating that I was signed up for a XXXX trial subscription and that I will be billed $ XXXX beginning on XXXX XXXX, XXXX. ( see attachment ). The representatives I spoke to never once mentioned anything to me about any subscriptions, or credit monitoring service, or signing me up for anything. Nor did I ever inquire about or request enrollment in any subscriptions for credit monitoring.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX  : XXXXXXXX XXXX  : XXXX XXXX XXXX : XXXX 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

I have 3 Citi credit cards, As of today, all of them have been made unusable by the predatory practices of Citi bank. Attached, please find their letter I received today, EXACTLY THE DAY AFTER they received my payment. The card had a very low limit of {$4500.00}. XXXX, but Citi now reduced even this, again referring to the XXXX reporting. 
At this moment, none of my three Citi credit cards are usable - the limits have been reduced to what I allegedly owe plus {$120.00} or so on each, Many complaints have been filed with CFPB about the irresponsible, predatory, and abusive Citi practices, CFPB does NOTHING : ( Citi continue their abuse along with their thanks for my prompt payments, WELL, CITI, THERE WILL BE NO MORE PAYMENTS UNTIL AND UNLESS YOU ABIDE BY THE ORIGINAL TERMS OF OUR AGREEMENTS, Meantime, XXXX should pay you my bills until my attorneys will take you to court and fine you to the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several companies multiple times in a short time period ( Im talking days ) that have pulled my credit without my written consent I have reached out to these companies, called, sent letters and they can not provide me with the accurate information of me giving them consent to fun my credit once let alone multiple times. 

XXXX  pulled my credit on XXXX, XXXX, XXXX, XXXX Exeter fin pulled my credit on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX pulled my credit on XXXX, XXXX XXXX pulled my credit on XXXX, XXXX, XXXX
Product: Debt collection

Was sick with XXXX, Capital one called me to put me on deferred payment plan. Then they called a few weeks later demanding payment and said my deferment was not completed, so I consented a 2nd time to a deferment plan. They still contacted me demanding payment and never put me on deferrment, Now ever since XX/XX/XXXX they call me on average 5 to 8 times a day, from various different numbers, a total of 199 times thus far with over 40 voicemails and I block all the numbers and they keep calling from different numbers.
Product: Checking or savings account

I applied for a Savings Account with DCU based on the advertised 6.17 % interest rate I saw online. My application was accepted by DCU around XX/XX/24. After the account was opened, I initiated an ACH of {$1000.00} from an external account on DCUs banking app on XX/XX/24. However, on XX/XX/24, I observed a transfer of {$1100.00} on an external account ( different from the account I scheduled the {$1000.00} transfer from ) stating the transaction date as XX/XX/24 and the recipient as DCU. I was also charged XXXX from my external account XXXX ( while only receiving confirmation for XXXX of those transactions ). 

Having no recollection of initiating the {$1100.00} charge on the app with no details of this transaction showing up on their website/app or being credited to my DCU account, along with the double transfer of {$1000.00}, I grew concerned and contacted DCU for confirmation about the details of these transactions.

DCUs agent stated they didnt recognize the {$1100.00} charge either and told me to contact the institution from where the funds were debited. When I contacted the institution that handled the account which was debited, they investigated and I was informed that it was DCU who initiated it. When I asked for more details, they contacted DCU and based on the response they received, they accordingly decided the investigation in my favor.

For the extra {$1000.00} being debited, the agent told me to simply transfer the money back from my DCU account to the debited account. Based on the agents advice, I initiated XXXX scheduled transfers of {$500.00} and {$400.00} ( because DCU imposed a daily limit of {$500.00} ). After the first transfer was successfully completed, DCU locked access to my account without any notice or warning. This lock was only discovered on XX/XX/24 when I contacted DCUs customer service because my login was not working despite correctly following the instructions for resetting my password. I immediately called DCUs phone line for an appropriate and prompt resolution ( which took over an hour to get to the " right person- XXXX, I believe ). Instead, I was told my account was under review with no definite period of resolution. Since then, I have not received any significant communication or update on the issue from DCU. On the contrary, I have reached out to DCU several times
over the past XXXX months but received no update other than they dont know when it will be resolved.

For an institution whose banking services are primarily digital ( quite literally in the name, too ), I have encountered nothing but problems with how they handle customer service and banking on their app/website ( you know, digitally ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit card

I had multiple charges on my credit card by a local merchant for services that were never rendered. I disputed with American Express and they started their investigation and reversed all the charges to my card but said if any further info was provided XXXX XX/XX/year> which was about 30 days out. The merchant was not disputing the reversal of any of these charges that totaled about XXXX. I thought this matter was behind me but to my utter dismay Amex reversed the XXXX and said they determined it was my responsibility on XX/XX/year>. Their reasoning was that it was determined that I'm either family member, employee, business partner, authorized signer to the merchant. Not one of these items are the case and I actually had the merchant sign and notarize an affidavit also confirming that none of these apply and that all these charges should be reversed and credit my account. I forwarded this document from the merchant to Amex and they said that their decision is still the same. Furthermore, this merchant has charged many other credit cards of consumers which included Amex customers which was reversed. Not sure how any of this is legal and when asking Amex what info did they obtain to make their decision?? They stated they do not need to provide that info to me on what info they are referencing. This is utterly ridiculous!!
Product: Payday loan, title loan, personal loan, or advance loan

I applied for an probate advance with the company name PROBATE CASH with a man named XXXX over the phone on XX/XX/year> it was a Friday. I sent him my ID, SSN, along with application and he said he would get back to me the following Monday to let me know if they could advance me XXXX. I said I would take less just enough to pay my rent. I have not been able to reach him or anyone on the phone since I gave him my SSN and the estate info. I've left voice messages and called numerous times even texted the his direct number and not a peep. I requested a followup call, email or text to let me know the status of my application. No response. Ive searched for this business on XXXX  and no results could be found for non accredited or accredited. It's odd especially since I stressed the money was to avoid eviction. I'm concerned my personal information is at risk of fraud.
Product: Debt collection

Sent validation letter on XX/XX/ company has not responded or sent validation within the 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in a constant battle with Equifax in regards to several things that are inaccurate on my credit report. There are three collection accounts being reported on my credit report which are medical. I have sent a validation letter directly to the collection agency as well as disputed directly with Equifax more than 30 days ago. Neither have provided me documents of verification of this debt. As a matter of fact, the collection agency never responded and Equifax just responded to my dispute that it had been verified without providing verification documents which i am entitled to via the FCRA. In this case, the items needs to be immediately deleted from my file as required by law until i am provided with verification. 

Also, there is a public record on file that is inaccurate. Equifax stated that they verified this with the reporting agency. I contacted the Bankruptcy court directly and was provided with a letter stating that they do not report nor do they verify anything with the credit Bureaus. There report stated that they used a company called XXXX XXXX which is a third party. I contacted XXXX XXXX directly to verify that they indeed certified that what was reported was correct and was told that they also did not verify anything because there is a security freeze on account due to the fact that I was a previous victim of identity theft and mistaken identity with someone with the same name as I.
Product: Credit reporting or other personal consumer reports

The account below is showing as a repo. This account was not an repo and this needs to be removed ASAP. This bank was working with a dealership to con people out of money and make up fake reason to do repo 's. 

I have filed a complaint with the state of Texas and with the FTC about this company. 

Account info Account name XXXX  XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/year> Status Paid, Closed. 
Status updated XX/XX/year> Balance - Balance updated - Recent payment - Monthly payment - Original balance {$38000.00} Highest balance - Terms XXXX Months
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting the incorrect credit limit amounts on the XXXX  XXXX  partial account number XXXX ; XXXX  XXXX partial account number XXXX ; and XXXX  partial account number XXXX. ( Please see page XXXX of the attached credit report. ) This incorrect reporting of the credit limits is hurting my credit score. Please remove these line items from my credit report.
Product: Credit card

I tried on XXXX occasions to get in touch with the XXXX  credit card company to resolve these fraud charges. I live in Indiana and these charges were out in California, they charged this a matter of 4 times, same kind of charge. So I am refusing to pay my monthly minimum until they resolved this because this wasnt my charges and I will not pay for something that I didnt spend myself. 


XXXX XXXX XXXX DATE DESCRIPTION OF TRANSACTION AMOUNT XX/XX/year> XX/XX/year> XXXX  XXXX XXXX  - {$59.00} XX/XX/year> XX/XX/year> XXXX  XXXX -- XXXX XXXX  - {$59.00}
Product: Credit card

I was not allowed to turn off the Amazon Store Card Auto pay amount. 
A message came up on screen telling me that if I changed the auto pay amount to less than the minimum payment that they would take the minimum payment anyway which after I changed the authorized amount to {$00.00}. On XX/XX/year> Synchrony Bank did just that and took {$120.00} which was not authorized by me. 

On XX/XX/year> Synchrony Bank did exactly the same thing with my Lowes credit account and without authorization deducted {$99.00} when only {$00.00} was authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # 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 a account without my written instructions