23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today I received a 2nd call from XXXX ( XXXX XXXX XXXX ) regarding an alleged debt they are trying to collect on. 

Today however, they called my son ( how did they get his cell phone number? ) who called me and gave me their number so I called them to find out who they are. A lady answered " XXXX '' and I asked my questions, ( who they are, what they do etc ) after answering my questions she asked " can I get your name? '' I replied " No, I just wanted to know who you were '', as i went to hang up the phone she says " wait are you XXXX? ". Now I would like to know how she knew who I was since I was calling them from my employers land line. 

Also, when she asked me to confirm the last XXXX digits of my social, which she had correct, she stated this was for some outstanding debt from many many years ago, I said that they had called me before, about a month or so ago and this was illegal, she responded with " no, we just bought this debt, we 've never called you before ''. I then asked how they could " just '' buy a debt that had been paid in full or dismissed in a bankruptcy 10+ years ago and of course she says she does not know and will remove my name from their list. 

Now I understand there are bottom dwellers all over the world, as well bad debts, but this and all debt collection processes are regulated by federal & state law. I believe it is time for these people to answer for their blatant disregard for those Federal & State Laws as well as their deceptive scare tactics and lies. 

They have multiple complaints filed with the XXXX which they are not members of as well as multiple complaints filed with various agencies around the country and lots of bad reviews. Their online presence also consists of several fraud warnings suggesting they are a " scam ''. 

I would like to see these guys either put out of business or seriously fined for their illegal acts if they are a real business or arrested if they are a scam. 

The information they provided me is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX Phone : XXXX FAX : XXXX
Product: Credit reporting or other personal consumer reports

Transunion has a reported a Bankruptcy on my credit file on XX/XX/2023. The date reported was XX/XX/2023. I did not authorize transunion to report anything on my credit report. I spoke to XXXX at the Bankruptcy court and she said they do not report Bankruptcies. Transunion allowed a third party to purchase my information without my consent. Under the FCRA transunion is not a government entity but a publicly trading company which has no authority to report anything. 
These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to the Georgia District Bankruptcy Court of Georgia, they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our mis-fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. XXXX or any other third party has violated my rights under title 15 and others
Product: Credit card

In the term of XXXX card, " During each year of your Card Membership, you will receive XXXX Annual Free Night Reward from Hilton Honors. The Annual Free Night Reward will be issued in the form of a redeemable code and sent in an email from Hilton Honors to the email address listed on your Hilton Honors account. You will receive the Reward email within 8-14 weeks after your renewal month. " I have waited like XXXX weeks still not get my annual free night from Hilton Aspire card.
Product: Debt collection

I have received 4 calls and 3 voicemails from XXXX, the first was on XXXX XXXX, XX/XX/2021, after upon listening to the voicemail, I blocked the number and deleted the voicemail. I received calls from same number on XX/XX/2021, XX/XX/2021, XX/XX/2021. I got 2 more voicemails, which are all the same and sound a little like a recording, maybe? 

The caller, a male, talks in a muffled voice, he says : " This is an important message from Pioneer Credit Recovery Incorporated. This is XXXX XXXX. The law requires I notify you. I'm calling from a debt collection company. This is also an attempt to collect a debt. Any information obtained will be used for that purpose. I'm calling today on behalf of XXXX. Please call me back when you get this message to XXXX and when calling use reference number XXXX. '' The Caller ID comes up with PCR INC. from XXXX, NY. 

I have not responded to any of the calls, but I'm getting really annoyed with them. I know I have no debts and I know this is a fake or scam call. I always ignore scam calls and block them. I have never received voicemails like this before.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inquiry on my credit report that I believe is incorrect and unauthorized. I have no recollection or record of authorizing this inquiry.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding XXXX XXXX incomplete reporting of my credit card status. Over a year ago, I paid off this credit card in full, reducing the usage to 0 %. XXXX XXXX inaccurately reported this to XXXX, Experian and XXXX, where the account remains inaccurately reported in bad standing. The reports all show different things which is unacceptable and unprofessional. 

Complaint Basis : Under the Fair Credit Reporting Act ( FCRA ), information furnishers are required to report accurate and complete information to all credit bureaus. XXXX XXXX failure to correct this information on Experian and XXXX violates this requirement, which has impacted my credit profile and potentially harmed my financial standing. 

I request that XXXX XXXX promptly update the status of this credit card on Experian and XXXX to reflect that it is paid in full, with 0 % usage. Please confirm that XXXX XXXX has completed these corrections on all bureaus. 

Thank you for your assistance in resolving this matter. 

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

I am a victim of identity theft, and did not make the charges. I am requesting that the items be correct from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Debt collection

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PC Account Number : XXXX Amount : {$960.00} I received multiple collections attempts from Wakefield and Associates through text messaging, and calls. The date itemized XX/XX/XXXX, but Wakefield and Associates have reported the date of XX/XX/XXXX to all credit bureaus re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). 

A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than XXXX  days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

re-aging an account means that a debt states differently than the original date of the XXXX  debt. If there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ) for a few reasons. Not only will re-aging allow a collection to remain on your credit reports in-perpetuity, but because it can seriously destroy credit scores. 

The XXXX, known as the date of XXXX  delinquency, determines how long a negative account can remain on your credit report. Officially, the XXXX is the date that your account became XXXX  days late with no payments made. 

The account should be deleted immediately.
Product: Debt collection

A debt for collection on behalf of a XXXX XXXX  company was posted on my credit report. This is a fraudulent account. I have never lived in that city. This collection on my report is stopping me from getting a mortgage for my home purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please delete this immediately. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$74.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

I went into a advance America store front and received a payday loan initially and all is paid off I then took out a line of credit of {$1500.00} always paid on time which increased my credit limit up to {$1800.00}. I could not go into store to make full payment of entire balance on XX/XX/2023 as I always have done because of unforeseen personal circumstances and as a result of me not being able to pay on my due date of XX/XX/XXXX I called customer service to see if they could put loan into default to set up an extended payment plan of which their website talks about or even a settlement of some sort. I called spoke to several reps and was told several different things and one in particular that they wait an extra 30 days while tacking on fees the whole time before they put account into default. My credit limit is {$1800.00} with regular interest and fees it usually is {$200.00} on top of that with them keeping this loan open after notification of circumstances they keep loan open an entire extra month, with interest and fees piling up, they expect someone to pay them back {$3000.00} accrued in 30 days on a {$1800.00} credit limit.
Product: Credit card

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue XXXX, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Product: Consumer Loan

We purchased a car that was financed through Santander USA in XXXX. After having years of financial issues, we filed a chapter XXXX bankruptcy in XXXX XXXX. In the filing we included XXXX cars that were financed by Santander USA and our payments made to the courts were solely for the XXXX cars. In XXXX XXXX, we requested that our bankruptcy be cancelled. Prior to the cancellation, we contacted Santander USA stating that we wanted to keep our cars. We dropped the bankruptcy only to find our payments that were made only covered a percentage of the monthly payments and we were now far behind. Santander USA proceeded to call our neighbors, who were not listed on any documents as contacts. We requested deferments, starting making payments only to notice the payments and then requested a resolution to why Santander was calling random people and telling them they were trying to reach us. This was highly embarrassing and consulted legal advice. We never heard back from anyone in management and continued to try payments to catch up. In my research of our account, I noticed that all of the payments to the XXXX XXXX were going towards interest. I called Santander USA in XXXX XXXX and asked them how we could rectify this and I asked that someone in management called me back. Santander USA continued to call us repeatedly around XXXX-XXXX times per day, called family members but never had anyone from management call us to discuss how we could rectify our concerns. I made the last payment in XXXX and waited for someone to call us back. While they continued to call repeatedly, not XXXX call was from a manager. We received several calls for another loan holder. On XXXX XXXX, I received a call from Santander USA and again, tried to rectify the situation. They told us we need to pay over {$2000.00} to get caught up and then we would be on track. I explained that the car was worth {$1000.00}, we have paid over {$2000.00} in recent repairs and that we did not have the money to pay to catch up. The person said they would inform the recovery team to pick up the vehicle. We surrender the vehicle on XXXX XXXX XXXX to " XXXX ''. 

We need to know why Santander USA delved through our social media accounts to contact a neighbor and proceed to tell them of our situation with the car. Why they called us repeatedly but never called to explain the insulting call or the repeated calls to our phones when we were making payments. And, we need to know why no one explained that our payments after our bankruptcy would go directly to interest for almost a year due to the bankruptcy filing.
Product: Credit reporting or other personal consumer reports

Breach in data infor. Receiving false information directly to my phone, email by by text and phone calls with my personal information.
Product: Checking or savings account

On XX/XX/XXXX, my daughter passed away and left 2 savings accounts ( for which she was the financial custodian ) for her children. These accounts were in Truist Bank. The bank failed to transfer these savings accounts when I established the XXXX XXXX XXXX XXXX account for which I am the court-appointed executor. 
Her 2 minor children, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX, now live with their father, stepmother, and her 4 children, Although he is the biological parent and children 's guardian he is not their court-appointed financial guardian. He refused to go through the proper channels to attain that appointment. A Truist bank manager wrote me, " A guardian of the minor 's property is someone appointed by the court. A parent is not the guardian of the minor 's property unless he/she has been appointed to that position ''. Also, he refused to pay the mortgage on the home that the children inherited and let it go into foreclosure despite the fact that there was ~ {$100000.00} in equity in the house. Clearly, he is not fulfilling his fiduciary responsibility to his children. 
In XX/XX/XXXX, their father, XXXX XXXX, withdrew the money from their savings account, approximately {$5000.00} and {$5300.00}, respectively. He presented the children 's birth certificates, my daughter 's death certificate, and his ID. Truist bank then cut him the checks, issued to both XXXX XXXX and XXXX XXXX, and XXXX XXXX and XXXX XXXX. He told me he set up accounts for them so they could access that money when they get older. Now, he has access to their savings accounts and I fear that the money will be spent carelessly and recklessly without the children 's knowledge or consent. 
On XX/XX/XXXX, I went to the local Truist Bank and asked why he was able to access and withdraw this money even though he is not their court-appointed financial guardian. Truist was not authorized to release this money to XXXX XXXX. They told me that the teller checked with her supervisor and received legal counsel approving these withdrawals. 
I truly believe Truist Bank violated its legal and fiduciary responsibility to XXXX and XXXX XXXX, and my daughter 's estate. I am requesting assistance in investigating whether Truist Bank was authorized to release this money, ~ {$10000.00}, to XXXX XXXX. 
Please advise.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX 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

On XX/XX/XXXX, I charged {$130.00} to my Shop Your Way Mastercard credit card. The vendor was XXXX. The vendor never sent the items I purchased. I contacted the vendor at least twice with no response. Then I disputed the charge twice with Shop Your Way. The credit card company denied my dispute, saying that I didn't provide them information they requested. I never found evidence that they requested anything from me beyond the initial indication that they were disputing the charge. Furthermore, I have no evidence to provide them other than the fact that the items I purchased never arrived. Shop Your Way is refusing to credit my account. I informed them that I would be contacting the CFPB on this matter, and they never responded.
Product: Debt collection

XXXX  XXXX  is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$240.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial situation and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX 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 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.