23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received a letter from ERC- debt collection company saying that I owned XXXX/ XXXX XXXX {$5400.00}. 

I requested and filled out the fraud packet with police report and notarized affidavit. Months went by and I got a new letter from ERC dated XX/XX/20 which said they were authorized to collect {$2900.00}. 

ERC said the XXXX denied the fraud claim because my correct mailing address was used for the fraud account. Name on the ERC letter is my maiden name with my current address. I legally changed my name to my married name roughly 11 years ago. I did not live at my current address with my maiden name. 

I have contacted XXXX. They told me to file a report here. I have contacted ERC. They said they are the middle man for XXXX. 

ERC said that they moved account back to fraud status but could not give me the next steps for getting this resolved.
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. 


Account name : Untitled Account Number : XXXX Account name : XXXX Account Number XXXX XXXX Account name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) and 15 U.S. 1681i ( 5 ) this account in violation XXXX department of Human Resources not reporting 100 % accurate it lists the child support court as the furnisher thats forgery and misleading when the court dont report this information you have to have my written consistent to furnish this data on my consumer report.
Product: Student loan

I have had my student loan for 5 years. I had deferred and reduced payments ( due to income ) for the first few years but have been paying the full amount for the past three years. I am building a plan to make extra payments to pay the loan off faster, as part of the planning I called the servicer to get a payment schedule / amortization schedule. They are unable / unwilling to provide this, they sent a letter saying I have approximately 108 payments left. There was no information about interest calculations etc. I know the balance, rates etc and can calculate a simple interest payment but wanted to see their calculation to both make sure my calculations were correct and to make sure I 'm not being taken advantage of by a company I do n't trust. I 'm astonished that they wo n't provide the most basic repayment schedule. I have worked in lending and written loan notes for years and have always provided a payment schedule. I got this loan for a XXXX and it 's one more reminder that I made a bad decision. It makes me suspect I 'm being taken advantage of in the repayment process.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Hard inquiry from Citizens Bank on XX/XX/XXXX, that I didn't know about. 
2. Hard inquiry from XXXX/XXXXr on XX/XX/XXXX, that I didn't know about. 
3. Hard inquiry from XXXX on XX/XX/XXXX, that I didn't know about. 
5. Hard inquiry from XXXX on XX/XX/XXXX that I didn't know about.
Product: Debt collection

I discovered a collections account on my XXXX credit report and I didn't recognize it. The amount reported is {$3900.00} opened on XX/XX/2021. The reporting agency is shown as CENTRAL PORTFOLIO CONTROL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX My 1st response was disputing this account, as I've no knowledge of it and its not mine. The resolution was not in my favor so I further researched this agency and contacted on XX/XX/2021. 

I contacted via : Website communication XXXX XXXX XXXX  Personal email to XXXX A response was given to my correspondence via website but not to my communication attempt via personal email, which contained more verifying information than I provided on their website. 

Their response : Hello, We are more than happy to help you out, but we are restricted to share information via email without verifying some information and capturing your consent over the phone. For further assistance please contact our compliance department at XXXX or XXXX Thank you XXXX XXXX XXXX XXXX XXXX Central Portfolio Control Inc . 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX Direct : XXXX Toll Free : XXXX Fax : XXXX Email : XXXX I called both numbers provided and it went to a voice-mail that stated it's belonging to this XXXX XXXX XXXX I left a message and a return call was incoming within moments from a different number than that provided. As I'm unable to verify the validity of this agency and person from an inbound call our communication was limited.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

To the CFPB Complaint Portal, I am filing a formal complaint against XXXXXXXX XXXX concerning fraudulent transactions on my Chime XXXX debit card. I lost my Chime XXXX debit card, and despite my efforts to address the matter directly with Chime in the past, I have consistently encountered inadequate investigations. Given this, I am compelled to escalate the issue through your office. Please expedite the new visa chime card if possible to the address on the CFPB portal not the old address. 

Several unauthorized transactions were charged to my account without my authorization. These transactions are as follows : On XX/XX/year>, there were XXXX charges to XXXX, each for {$59.00}. On XX/XX/year>, charges were made to XXXX XXXX XXXX for {$86.00} and XXXX XXXX XXXX for {$9.00}. On XX/XX/year>, a charge was made to XXXX for {$95.00}. On XX/XX/year>, a charge was made to XXXX XXXX XXXX for {$22.00}. On XX/XX/year>, a charge was made to XXXX XXXX for {$3.00}. On XX/XX/year>, a charge was made to XXXX XXXX XXXX for {$2.00}. Finally, on XX/XX/year>, a charge was made to XXXX 's for {$13.00}. 

I request XXXXXXXX XXXX  to issue a provisional credit for these transactions while they conduct a thorough investigation. Per XXXX policies, I am not liable for transactions I did not authorize. I trust the CFPB will ensure XXXXXXXX XXXX fulfills its obligations under federal regulations to protect consumers against fraudulent activities. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A : The right to privacy.

15 U.S.C 1681 Section 604 A : A consumer reporting agency can not furnish an account without my writing instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/19 I was notified by my loan officer that there is an account that is preventing me from getting approved for the home loan I want because it is in negative standing. I did some investigating because I have never opened an account with that company and I discovered that this account was opened by someone else without my permission. I never authorized anyone to open any type of account on my behalf nor do I know how he/she got ahold of my personal information but I have already filed a police report. I am not affiliated with this company in any way and I never allowed them to run or access my credit information. I did not benefit in any way from this suspicious account.
Product: Credit card

Capital One closed my credit card account for returned payments. I have been a loyal customer for ( 2 ) years. I had XXXX or XXXX returned payments in a row due to insufficient funds in the account it was pulled from due to a simple error. I never had XXXX missed payment throughout my history of being a customer. 

On or about XX/XX/year>2024 a payment was made from my XXXX account and returned. The current balance is ~1/4th of the existing credit line. 

Since XXXX of this year, 2024, my account has been closed. 

I was lead to believe that my account will most definitely be reopened once the returned payments were adjusted and efforts were shown which were both met. 

I feel as if I was treated unfair and that this act has negatively impacted me when I did my best to correct it and have, as a loyal customer of 2 years that has never missed ( XXXX ) payment. 

I also fear as if the request for the reopening of my account was submitted incorrectly or inadequately, and that my account was not thoroughly investigated, and that my concerns or efforts are going unnoticed. 

I have spoke to numerous fraud specialists over the phone and they have told me that after reviewing my account it was weird that it was closed. I do not feel treated like a customer. All of the trust and credit I have earned with Capital One as a loyal customer have been damaged due to a corrected mistake. My credit score has been negatively impacted and is only getting worse. This was so unexpected and even after I made payments as a loyal customer, Capital One did not recognize my efforts as I was lead to believe they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

VOLUNTARY REPO OF A CAR BY XXXX. They falsely state their terms of their loan. They sold the car for {$700.00} and want me to pay almost {$10000.00}. XXXX and XXXX XXXX has deleted from my credit report but it still remains on XXXX. They are also in violation of the arbitration clause.
Product: Debt collection

This account appears to be a charge off with a balance showing on my credit report in the amount of {$5400.00}. If it is a charge off, a dollar amount should not be showing. In addition, I have no knowledge of this debt.
Product: Credit reporting or other personal consumer reports

Date of Report : XX/XX/year> Description of Issue : I am writing to report errors and violations by Equifax and associated parties related to my credit report. 
Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : Equifax and associated parties failed to ensure the accuracy of my credit report, incorrectly reporting 35 late/missed payments. 
FCRA, 15 U.S.C. 1681i : Equifax and associated parties failed to promptly correct errors after I disputed them. 
Metro 2 Guidelines : Equifax and associated parties failed to comply with Metro 2 requirements for reporting, specifically regarding : Incorrect payment history. 
Failure to update account status. 
FCRA, 15 U.S.C. 1681g : Equifax and associated parties failed to provide me with a complete and accurate credit report.

FCRA, 15 U.S.C. 1681c : Equifax and associated parties failed to comply with requirements for reporting obsolete information. 
12 CFR 1022.43 : Equifax and associated parties failed to maintain reasonable procedures to ensure accuracy. 
Desired Resolution : I request that Equifax and associated parties Immediately remove the incorrect late/missed payment entries. 
Provide an updated credit report reflecting the corrections. 
Take steps to prevent similar errors in the future.

Conduct an investigation and provide a written response regarding the violations.

These action are leading to denial of credit, loans, and suitable livability. These companies are giving the impression that there are 37 MISSED PAYMENTS and the alleged debt is being CHARGED OFF every month of every year.
Product: Debt collection

NATIONAL CREDIT ADJUST IS REPORTING THAT I OWED THIS DEBT THAT WAS FRAULENTLY OPEN ONLINE, THEY REFUSE TO REMOVE THIS INACCURATE ACCOUNT THAT IS AFFECTING THE ABILITY TO OBTAIN CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report has been marked with several late payments but I was never informed or sent any correspondence that it was time to start repayment.
Product: Checking or savings account

Navy federal keep place overdraft fees of {$20.00} for over the past XXXX  years. Especially when I would use my debit card and the funds should be deducted right then and there. They also would charge me almost XXXX dollars in overdraft fees. When I dont have the funds available. Likely if the money is not there why am I getting charged? Not to mention that outrageous oops program
Product: Checking or savings account

I received a text from GoldenOne Credit Union on XX/XX/XXXX asking if I was using my debit card to pay for my XXXXXXXX XXXX  subscription. I replied " yes ''. I tried logging in to see why they had sent me an alert, since I always use this account to autopay this bill. I was unable to login, and I was told to reset my password to gain access. I tried resetting my password but that did not work. I called GoldenOne to see what was going on and why I couldn't access my account. They told me it had been closed, and I asked why. They said it was because my mother was on my account ( I've had it since highschool and needed a parent on my account, I just kept her on ). They informed me that she could not be on my account but could not disclose why, even though I am the main account holder and it is my money! I have paychecks deposited into this account and auto-pay my bills. I've had this account for over 10 years, and I didn't even get anything in the mail, no text or email like they usually send out. So now I have to change everything. I have to wait for them to send me a check of the money that was in this account ( still haven't received that and it's been over a week as of XX/XX/XXXXXXXX XXXX, I have to change my direct deposit info for my paychecks, and I have to change my autopayments for my bills. Thank God I have another bank account, but what if I didn't? This has been a huge headache and they won't even tell me what happened. They told me I couldn't simply remove my mother from my account, that I had to open a new one ( which I won't be doing after this experience with them ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX XXXX XXXX that was closed and written off with a balance of {$3300.00} as of XX/XX/XXXX. XX/XX/XXXX I tried to get this old loan take off of my credit report. XXXX XXXX XXXX XXXX then increased my balance on a closed written off auto loan to {$4200.00} as of XX/XX/XXXX. This is fraud. You can't increase the balance on a closed account. I disputed this information with Equifax and nothing was changed on my credit report. Please fix this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Ive reached out to Trans Union about a dispute against an item on my credit report from XXXX consumer. I have shown legitimate proof of several inaccuracies and the sales contract as well from XXXX consumer in which they attempted to validate the debt that was inaccurate based on the evidence that they provided as highlighted in my provided documents. I have also provided a 30 days to comply letter on XX/XX/XXXX in which I provided additional evidence confirming the inaccuracies in their allegation of debt listed on my credit report. There were more than three different balance due amounts. there were incorrect and false information regarding my address and contact information as well as the creditors address and contact information. They stated that I traded in a vehicle that shows on my credit report that I paid off two years after the sales contract date that states that I have traded in a vehicle their sales contract also shows incorrect amount stating that there was an amount credited towards the balance from the trade-in which never happened as you can see on my credit report which states that I paid off the supposedly traded vehicle 2 years after the contract date from Discount Auto . This debt that shows on my credit is a complete fiasco and must be removed due to inaccuracies as stated in the FCRA law. This should not have not taken longer than 30 days and i should not have to file a complaint with the CFPB as well as FTC for TransUnion not doing their jobs properly.
Product: Credit reporting

I file bankruptcy and the discharge was XXXX XXXX, 2015. TransUnion and and XXXX both report open accounts for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. It is dragging my credit score down. I have spoken to and requested that both agencies correct the error and they have not. It has been over six months.
Product: Credit card or prepaid card

I purchased an airline ticket ( XXXX ) via an online travely agency XXXX XXXX XXXX. Now due to the Covid-19, my airliine cancelled the flight. I tried for a month to approach the travel agency and the airline. But no one respeonded back to me to resolve the matter. As a result, I tried to file a dispute with my credit card company ( Citi Master Card ). After submitting all proofs on how my flight was cancelled & How the tranvel agency issued me bogus vouchers, Citi Master Card blatently denied my cliam with a response " that they need a proof of cancellation to reverse the credit ''. The travel agency issued me bogus travel vouchers that are not good. Now I have lost the money as Citi refused refund me the funds. Citi Master card is abetting this travel agency in commiting fraud. 

My flight was cancelled by the airline & the I never recieved my funds back. My Credit Card company is supporting a Fraud business to draw unauthorised funds from my account.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX Balance : {$10000.00}
Product: Bank account or service

Incorrect negative report by Bank of America on XXXX and XXXX I was recently informed of negative information reported by Bank of America included in the file XXXX and XXXX maintains under my Social Security number. This amount is the result of numerous attempts made to Bank of America to remove pre-authorized payments on my account. I maintain records of all these communications to the banking representative at the branch in XXXX, CA which were unanswered. These numerous contact attempts and requests for action by me as the account holder were neither answered or acted upon. As a result, the lack of communications and customer service caused service charges which I was attempting to avoid. Eventually, I had no choice but to close the account to avoid further arrears. Despite further contact with the branch in XXXX, asking to resolve these service fees, nothing was done. After my account was closed, Bank of America never contacted me as to the status of resolving the fees charged to my account from XXXX 2015 till approximately XXXX 2015. To the best of my knowledge, I never received a bill or statement from Bank of America informing me that an amount was still owed to them. I have sent copies of all communications by email documenting these attempts to talk to my account manager to dispute the information on my records that suggests I did not communicate at all. 

Please validate this information with Bank of America and provide me with copies of any documentation associated with this " amount owing '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record maintain under my Social Security number and provide an updated report from XXXX and XXXX. I also request that any amounts owing be reviewed and recalculated if warranted. I would like to clear up any monies owing.
Product: Debt collection

On Friday XX/XX/XXXX at XXXXXXXX XXXX  XXXXXXXX National Recovery Agency sent multiple texts to my phone identifying themselves as a debt collection agency and then proceeded to attach information on an account. This was obtrusive and violates the FDCPA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company TransUnion and XXXX included on XX/XX/2021 in my credit score a dispute that affects my score without my approval. Unfortunately, this situation affects the acquisition of services and goods for the well-being of my family.
Product: Money transfers

We send the money in XXXX but they still do n't receive the transfers with send on the XXXX/XXXX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

It doesn't say much except hard inquiry for home loan or mortgage
Product: Credit card or prepaid card

On XXXX XXXX I received 1 call per hour for 6 hours. To me this is harassment. All because my payment is 10 days past due in the amount of {$85.00}.
Product: Debt collection

The man XXXX XXXX XXXX me 3 times while I was working as an XXXX at my XXXX hour shift hospital job. After the third call, I finally answered it. The man instantly started to yell at me and told me that he has been calling me for the past XXXX hours. I told him that I am an XXXX and I am working a XXXX hour shift and I do not have time to do this I have patients to care for. He told me that my old roommate had already hung up on him today and I better not hang up on him. I again told him I was working and he screamed at me I do not care XXXX you better pull out your credit card and pay this before I put it against your credit. This was the first time Ive ever been contacted by the agency and it was the day after XXXX. I can not pull out my credit card and make a payment as I am quite literally caring for peoples lives. This is unacceptable. My old roommate also told me he had gotten a very threatening and rude phone call.