23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I used to live a apartment called " XXXX '' in XXXX from XXXX to XXXX and when my least ended in same year XXXX I did n't renew the least and I gave the manager two months notice ahead. And told her I 'm leaving some of belongs in the apartment so you can donate to any charity you like and she agree to it. Also the manager she made me to not ask her the deposit money back. I said why? And she said I 'm going to clean towards the apartment. And I said fine, so then I left.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


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
Product: Credit card

Dear CFPB, I am writing to formally report unethical practices by U.S. Bank regarding its handling of credit card account closures and repayment options. Despite my repeated requests to close my credit card account, U.S. Bank has refused to process the closure, allowing interest to continue accumulating. 

Furthermore, unlike other creditors who have provided repayment plans, U.S. Bank has denied me this option, leaving me with no structured way to manage my debt responsibly. This practice appears exploitative and contrary to fair banking standards. I urge an investigation into this matter to ensure customers are treated equitably. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Report Identity Theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. second time putting them on notice. ignorance of the Law is not an excuse. FAIR CREDIT ACT 15 USC 1682 SECTION 603 AND 15 USC 6802 ( b ) ( c ) AND 15 USC 1681C ( a ) ( 5 ) This account is fraudulent. This account all due to Identity Theft. 
I have never had an account with XXXX XXXX 1. Collection Agency : XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX : Amount {$2900.00}
Product: Debt collection

I have been a victim of Identity Theft, and all my personal information was exposed online in the XXXX Data Breach and others online data breaches. I want all those fraudulent accounts removed from my credit report. I have already placed a freeze on my credit. Thank you for your help. I have also reported them to the Identity theft website with reference number : XXXX. Thank you for your help in this matter.
Product: Credit reporting or other personal consumer reports

This account is fraudulent I have ftc report I didnt make in error not a mistake and I dont not owe a debt to a company I never signed a contract with. I dont owe XXXX any debt either that account was closed and removed from my report for fraud already.
Product: Credit reporting or other personal consumer reports

I was XXXX and Ive out I contacted XXXX about closed account and they informed me that the account would be removed once the debt was paid and it hasnt been removed yet
Product: Credit reporting or other personal consumer reports

These unfamiliar credit inquiries on my credit report are really concerning. I didn't authorized or consented to these companies in accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against Experian for what I believe to be multiple violations of the Fair Credit Reporting Act ( FCRA ) and related privacy laws. As a consumer with rights protected under federal law, I am formally opting out of any and all authorizationswhether written, verbal, or otherwise impliedthat I may have previously provided to Experian, as is my right under 15 U.S.C. 6802.

The FCRA, specifically under 15 U.S.C. 1681b, outlines the permissible purposes for which a consumer reporting agency may furnish credit reports. This section requires that I provide explicit written consent before my credit report can be released. Furthermore, 15 U.S.C. 6802 ( b ) states that my personal information can only be furnished if I am given a clear and conspicuous opportunity to opt out, which was not provided by the financial institutions listed on my credit report.

Additionally, pursuant to the privacy regulations found in 16 CFR Part 313, notably 313.1 and 313.7, I should have been provided a form of opt-out notice, as well as a continuing right to opt out of such disclosures. Experian, as a non-affiliated third party, should not possess or disseminate my personal information without my explicit consent. 

The inaccuracies present on my credit report, which I have detailed and circled in the attachments accompanying this complaint, include but are not limited to dates, amounts, and account statuses. Each financial institution that has reported to Experian has assured me through their privacy notice terms and conditions that my information would not be shared with third-party companies, yet it appears that this has not been the case. 

I am aware that the FCRA provides for statutory damages of up to {$1000.00} per violation, as well as the potential for punitive damages and the recovery of attorney 's fees and costs for willful noncompliance ( 15 U.S.C. 1681n ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Experian a signed letter dated XX/XX/17 asking for a review of 3 suspicious items on my credit report. 

They sent me back a letter stating that they believe my letter to them was " suspicious '' and a possible case of identity theft so they will disregard it and deem all future mail correspondence from me as suspicious. They basically made it very clear that they will ignore any contact from me by mail and directed me to submit my disputes by phone or website requests only. 

I do n't think it 's lawful to prevent me from corresponding by mail and limit me to phone and website contact. I prefer to have a written paper record when engaging in business matters. I clearly identified myself to them and presented all pertinent identification data ( DOB, SS #, Address, Account numbers ) so I do n't agree with their determination. 

I responded to them by mail and am awaiting an answer. I also informed them that I filed a complaint with the Consumer Financial Protection Bureau. 

Please Please help me!!!
Product: Vehicle loan or lease

Company asked me to pay late fees and would move payment due to end of loan instead money paid was applied to principle and fees continued to grow have tried to work with them for over year and a half on this. My main complaint is that they call me 3-4 times a day phone record as proof witch violates the law of no more than 7 calls in a 7 day period or subject to {$10000.00} dollar fine per violation. I would like to move forward with a formal complaint. And have these fines imposed
Product: Debt collection

I PULLED MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I DID NOT RECOGNIZE. ON XX/XX/2024 I SENT VIA CERTIFIED MAIL WITH RETURN RECEIPT, A LETTER TO VERIFY THE DEBT WITH A COPY OF THE PURCHASE AGREEMENT, ORIGINAL AGREEMENT AND PROOF THAT THEY ARE AUTHORIZED TO COLLECT THE DEBT. THIS LETTER WAS DELIVERED TO THE COMPANY ON XX/XX/2024 AT XXXX. THE LETTER WENT UNANSWERED NOW FOR 10 MONTHS. THE COPANY ALSO CONTINUES TO CALL AND HARASS ME, EVEN AFTER BEING TOLD NOT TO CALL DURING MY WORK HOURS, THEY CONTINUE TO CALL WHILE I AM WORKING. I HAVE REQUESTED VIA CALL WITH THE COMPANY ON MULTIPLE OCCASIONS FOR THEM TO PROVIDE ME WITH THE REQUESTED VERIFICATION AND TO CEASE ALL ACTIONS UNTIL THEY SEND THE VALIDATION THAT WAS REQUESTED. THIS REQUEST HAS GONE UNANSWERED.
Product: Credit reporting or other personal consumer reports

I request the immediate removal and blocking of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unfamiliar with their source. Per USC 1681g, I formally ask for their removal within XXXX  days. Attached are supporting documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times calling and mailing XXXX, XXXX and equifax asking them to remove inquiries that I did not validate even after directly contacting the companies who the inquires were with. Neither the company nor the 3 bureaus would remove the non account holding inquiries. I have been trying off and on for two years to get this resolved.
Product: Credit reporting or other personal consumer reports

I have several accounts on my credit report that I put into dispute that were immediately marked as disputed and verified information. I asked for details on their verification process and was not provided with details.

a major credit reporting agency, conducts " sham investigations '' when consumers dispute errors on their credit reports, rather than conducting proper, reasonable investigations as required by the Fair Credit Reporting Act ( FCRA )
Product: Debt collection

I had XXXX accounts with the collection agency. I agree to pay for the accounts. They told me that there policy was to pay on XXXX account, until it was paid off then pay on the other XXXX.
Product: Bank account or service

My wife and I each purchased a {$2000.00} Certificate of Deposit ( IRAs ) from XXXX in XXXX IN on XXXX XXXX, XXXX. These were for XXXX contributions. That was the first time we ever did this. My wife filed these papers away at that time in a file cabinet. Future investments my wife filed in a different file. In XXXX of this year, XXXX, my wife found the file with these IRAs. Obviously we forgot about them as it is XXXX years later. We moved one time two years after we bought the IRAs but still in the same city XXXX. Then we realized not once had we received yearly statements. Since XXXX was bought out by XXXX, and PNC bought out XXXX, I took our paperwork to PNC. A gentleman in his early XXXX XXXX XXXX or XXXX? not sure of his name ) at PNC told me " I see your name in our system, but there is no account information with it. My XXXX return to PNC a week or XXXX later, and I received the attached letter " apologizing and no offer to help. '' I called Indiana Unclaimed and she said this is still under the XXXX year limit so it should be here, but she found nothing. Indiana Unclaimed directed me to some people who got me to you.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX 2024 Affirm granted a fraudulent loan in my name to a company called XXXXXXXX XXXX XXXXXXXX. A loan of {$8200.00} was taken out in my name without my permission. Furthermore Scaling with sales gave false and misleading information regarding a pay to participate position as a high paying closer within the company. I immediately informed them that I was not interested in the position/ job but they refused to give me a refund unless I worked to fulfill their quotas in order to pay back the debt. I informed them that due to medical issues I would not be able to do so and was still refused a refund. I then filed a dispute with Affirm, which ended with Affirm siding with the seller as per seller contract. I believe I have been the victim of fraud.
Product: Mortgage

Despite having my bankruptcy XXXX on XX/XX/XXXX, Nationstar Mortgage d/b/a Mr. Cooper has refused to remove the bankruptcy codes from my existing seven ( 7 ) mortgage loans ( despite repeated calls and a Qualified Written Request submitted on XX/XX/XXXX, that they never responded to ) to indicate that those loans have all been re-affirmed. As a result, they still do not report to the credit bureaus as being current and are still coded as being in bankruptcy subject to applicable bankruptcy statutes.
Product: Debt collection

I been receiving harassing phone calls from Complete Payment Recovery Services , Inc. For a debt that is the result of identity theft. I never applied for or had an account with XXXX XXXX. The account is a fraudulent account and not my account or debt. The phone calls I have received from Complete Payment Recovery Services has been threatening in nature. Representatives from Complete Payment Recovery Services has used obscene, vulgar and vituperative language. They have threatened to have me arrested and thrown in jail and informed they will destroy my life by ruining my credit for life, all for debt and account thats fraudulent, the result of identity theft and not my account or debt. Complete Payment Recovery Services is in complete violation of the Fair Debt Collection Practices Act under Federal law.
Product: Debt collection

A pervious acquaintance made a purchase from XXXX XXXX on credit. A collection company is now trying to collect the debt from me. I am not a party to the debt, nor have I ever been. I requested verification of said debt, and they sent a copy of a statement in which I am not listed. They refuse to stop persuing collection of the debt unless I file a police report for Identity Theft. I do not see any indication that my identity was stolen by the borrower. I contacted XXXX XXXX and was told that I had been put on the account as an " Authorized User '', but I was not a party to the debt.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I was scammed. A cash advance totaling {$26000.00} was made and the monies put into my checking account. I transferred that amount to another account that was fraudulent. I paid back the cash advance on XX/XX/year>. 
On XX/XX/XXXX, I saw an online transfer reversal on my checking account for {$400.00} in the withdrawal/debit column. 
I called Wells Fargo. No one in checking, credit, fraud, phone bank and online services departments could tell me why. 

I don't understand why {$400.00} is being taken out of my account. Everyone I spoke to says that if only {$26000.00} was a cash advance, there should not be a reversal. Everyone I spoke to said they don't have full access to all my accounts, even though this reversal in my checking account is related, they say, to the credit card fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous dispute with XXXX ( XXXX XXXX credit card account ). I mentioned that I was an authorized user on XXXX XXXX 's account. This account entry was removed from my XXXX and Experian reports without either consent and had not been updated on XXXX since XX/XX/2018. In the letter dated, XX/XX/2018, from XXXX, they specifically stated that they would submit a request to the credit reporting agencies, Experian, XXXX and XXXX to request this account appear on my credit profile. It has been well over 60 days and my reports are not updated. This account has not been added to my Experian nor XXXX report. This is unacceptable and is poor customer service on behalf of this company. Being that XXXX XXXX XXXX see attached letter XXXX, with the XXXX XXXX XXXX, provided this acknowledgment and is yet to fulfill is very questionable about the practices of this company. This is deceit to the fullest as they have not reported to the bureaus for them to update my profiles accordingly and I am therefore suffering pecuniary consequences. 

Update my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
Product: Debt collection

I currently have a collection that appears on my XXXX and XXXX credit file from Bay Area Receivables. They are located at XXXX XXXX XXXX XXXX XXXX, MD XXXX. Their Phone Number ( XXXX ) XXXX. 
I used a professional credit company to dispute this collection and they refused to remove the debt or provide any additional information regarding the original creditor. The original creditor is XXXX XXXX XXXX which I have no idea who this company is and have never had any dealings with them. When I called directly to Bay Area Receivables an gave them the account number that is listed on my credit file they asked if I was XXXX XXXX. My name has never been XXXX XXXX, my maiden name nor married name. They then proceeded to tell me that the only way they could verify the debt is for me to give them my Social Security Number! There is no way I am giving my SS # to a company that doesn't even have my name correct nor has ever sent me correspondence directly regarding this collection that appears on my credit file. The collection is from XX/XX/2016. Well past the statute of limitations. I believe I am a victim of identity theft.
Product: Checking or savings account

I opened a checking account with Axos bank in XXXX-XX/XX/2021 because my credit union does not allow the initiation of a wire transfer online but Axos bank claimed they did, since theyre an online-only bank. My credit union is local, I was out of state and I needed to make some wire transfers so I linked my other credit union checking account with this new account at Axos on XX/XX/XXXX and moved {$3800.00} from my other checking account to this one at Axos on XX/XX/XXXX. 

Once the money cleared on Friday XX/XX/XXXX, I made a wire transfer request. I made some errors in my request so it wasnt processed and on Monday XX/XX/XXXX, Axos sent me a message in my online banking portal explaining why. That same day I modified my wire request and resubmitted it. It wasnt processed and instead Axos sent me an email the next day, XX/XX/XXXX, informing me that they needed to confirm that I owned the other checking account I linked and from where the {$3800.00} came. In order to do this, the message continued, I would need to send them an image of a void check that proves that I am a signer for the linked account or a recent account statement. 

The next day, XX/XX/XXXX, I sent them an image of a void check clearly showing that Im a signer for the linked account. I logged into my online banking portal on XX/XX/XXXX hoping to see a message from Axos acknowledging that they had received the void check but there was none. Instead I saw that they had frozen my account : I couldnt move money in or out. 
I sent them another message that day asking why they froze my account even though I had done exactly what they asked of me. I called them on the phone on XX/XX/XXXX and they claimed that the issue would be resolved. They sent me a message on XX/XX/XXXX, saying they couldnt find the void check I sent them so I re-sent the void check again that day. 

I called them on the phone again on Monday XX/XX/XXXX and I received a message from them on my online banking portal later that day. They said they had received the check and had forwarded it to the appropriate department for review. I waited patiently throughout the week for another message from them but none came. So on Friday XX/XX/XXXX I called them yet again and later sent them a message expressing my frustrations with their service and demanding that they resolve the issue as soon as possible. 

When I received no message from them I called them on the XXXX and again yesterday, XX/XX/XXXX. They sent a message today, XX/XX/XXXX, and its yet another apology. I have no idea how long it will take them to resolve this issue. Their customer care representatives are unhelpful and clueless. They refused to let me speak with any of the folks in charge of my account. Please help me CFPB. Im at my wits end.
Product: Payday loan, title loan, or personal loan

Yes I borrowed {$600.00} and had to make 12 payments of XXXX every other week on my payday which they automatic took from my checking account. I made the last payment of XX/XX/XXXX. I missed 1 payment in XXXX because I was out sick and did not draw a full check so the payment was returned but the payments resumed after that one missed payment. I called on XX/XX/XXXX to try and pay the final balance and they told me I owe them over XXXX dollars. I asked them how and I only had 1 payment left plus the missed payment. They told me they are charging me over XXXX a day on the missed payment. The final payment came out on XX/XX/XXXX now the are saying I owe them over XXXX because of 1 missed payment. I have already given them XXXX. I think it is a shame they are trying to collect almost XXXX for 1 missed payment of XXXX. I will like to report this to someone and make people aware of what they do to people.
Product: Debt collection

I want spring Oaks Capital SPV , LLC to remove the collection on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be DELETED immediately.
Product: Debt collection

Diaz & Associates sent me a fake debt bill. Saying I owed XXXX to XXXX XXXX.
Product: Checking or savings account

Illegal out-of-state garnishment places on my account without my consent. 
I had no knowledge that I even owed any money to anybody. As a result, I will lose my unemployment benefits payment that allows me to survive. 
The amount was {$5100.00} Boa customer service refused to help by rejecting this garnishment. 
Instead they want me to call this number : XXXX
Product: Debt collection

Midland Funding LLC and XXXX, XXXX and XXXX - all attornies have continuously and repeatedly harassed me to collect a debt. I 'm not sure if this debt is a credit card company or some other debt. They have dragged me into court and garnished my wages as well. I do n't owe this debt, yet they continue to badger and harass me trying to collect the debt. Their undue harassment is beginning to affect my state of mind.