23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, U S DEPT OF ED/XXXX, XXXX XXXX XXXX Company Inquiries : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I have an acct with Harley Davidson Financial that was due XX/XX/XXXX. On XX/XX/XXXX I spoke with them and explained my situation to them and told them I would be making the payment on XX/XX/XXXX over the internet. They accepted that date at that time. I have been missing numerous calls from them since then. At lease 6 a day. 

I have had the loan since XX/XX/XXXX and asked them to remove my work number from their call list over a year ago. They called me at my place of employment twice last week. 

Yesterday XXXX they called me 3 times. I answered the third call and they informed me that my acct was past due from XX/XX/XXXX and asked if I could make a payment over the phone at that time. I told them that I had already set up an appointment to pay it online on XX/XX/XXXX, then I told them I was at work and could n't talk, but that I would call them back after XXXX, she said that was fine. They continued to call me 3 more times ( total of 6 ). I again answered the 6th call ( XXXX XXXX ). Again they told me my acct was past due from XX/XX/XXXX and wanted to know if I could make a payment over the phone. Again for the 2nd time that same day told them I had already set up an appointment to pay online on XX/XX/XXXX. I asked to speak with a supervisor to find out why I 'm getting 6 calls a day after I had made an appointment and they had accepted it. The supervisor told me that phone call was just a follow up call that they routinely do when an appointment to pay is 7 days or more out. I told him I did not believe that since the operator asked me if I could make a payment over the phone now. I also pointed out that I had already spoken with someone that morning and had already verified my appointment. I informed him at that time that I would be filing a complaint here for harassment. 

Then today XX/XX/XXXX I get 3 more calls in which I am able to get away from work in order to answer the 3rd call. Again they inform me that my acct is past due from XX/XX/XXXX and can I make a payment over the phone now. I again ( for the 4th time ) inform them that I already have an accepted appointment for XX/XX/XXXX and would again like to speak to another supervisor. The supervisor tells me this is a follow up call to verify the appointment because the appointment is 7 days out. I explain to her that 7 days out was yesterday and that I had already had this exact same conversation with a different supervisor yesterday. She put me on hold and returned to the line. She said she could see all of the notes from XX/XX/XXXX when I originally made the appointment and saw the calls and conversations from yesterday including the conversation with the other supervisor. She said she could also see the note where he told me I would not receive any further calls until after XX/XX/XXXX. I also informed her that I would still be filing this complaint due to harassment. 6 phone calls from XXXX to XXXX XXXX including XXXX conversations was uncalled for and harassment, especially when I have an appointment already accepted by them.
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my XXXX credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft. FRAUDULENT ACCOUNTS : XXXX XXXX - more than {$700.00} collection reported to XXXX XXXX XXXX XXXX TRIDENT ASSET MANAGEMENT XXXX XXXX - more than {$700.00} collection reported to XXXX I have reported these fraudulent accounts to the companies listed above, requesting credit validation, debt validation, or anything they can provide me to prove ownership. It has been years, and I am still fighting with these fraudulent companies to REMOVE such collections because I DO NOT OWN or OWNED THESE ACCOUNTS. I am still waiting to receive a collection letter, debt notifications, credit card account, information of such, or anything to let me know I was getting reporting to collection agencies to allow me to challenge such with proof of my identity. I am also submitting an Identity theft report and evidence of my identity, and I request these companies to stop damaging my reputation and to remove such fraudulent items from my credit report with XXXX. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. I appreciate your prompt attention to this matter and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

On date XX/XX/2020, I noticed that XXXX XXXX XXXX is still reporting on my credit report. This credit is over ( 7 ) years old. Due to the statute of limitations on debt in the state of NY in which I reside in this account must be removed
Product: Payday loan

I took a " payday loan '' from XXXX XXXX for {$600.00} on XXXX/XXXX/XXXX. I was advised that there would be a {$210.00} " finance charge ''. It was very clear to me that I would be paying back {$810.00}. They have since taken four payments of {$210.00} each, dates are XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and today XXXX/XXXX/XXXX. I called today just to verify that this loan is paid off after today 's installment and was absolutely HORRIFIED to learn that this {$210.00} is a MONTHLY FINANCE FEE until I pay off the " principal '' of {$810.00}. This makes the interest rate unbelievably ridiculous. This was ABSOLUTELY NOT explained to me EVER when I took this loan. Please help! I have paid back {$840.00} so far on a {$600.00} loan, had I known of this deceptive " finance charge '' I never would have taken the loan. 
Also in the " truth in lending '' electronic form I sighed it showed NO FINANCE CHARGE and NO INTEREST. This was all very deceptive and can not be legal. I am a single mother working to support my kids and I feel I have been taken advantage of in the worst way.
Product: Credit card

I received a letter earlier this year from XXXX advising of the ending of their partnership with XXXX XXXX and that Citibank VISA would be the replacement. I called XXXX immediately to ask if I would be given the option to decline this VISA card since the letter did not address this question. The XXXX representative said I would be given that option prior to issuance of the card. On XXXX XXXX of this year I received a letter from Citibank that says my new Citibank VISA card will be mailed to me. I never received any notice or opportunity to decline this card prior to issuance. I immediately called Citibank and told them I do not want this card and I do not want a relationship with Citibank. Citibank said they could n't do anything about this card until I actually received it and then they could " try '' to cancel it. I am on the permanent opt out list for ALL credit offers, etc. and do not want another XXXX card. I am disappointed to learn that Citibank through contract with XXXX merely transferred my personal and financial information and automatically issued me a credit card without my permission to do so. I want to have the say over which company and which credit card I do business with just as I did when I originally applied for the XXXX XXXX XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

dear cfpb, i just got a response from Experian stating that Account from XXXX is accurate ... .i will attach my credit report and you tell me if its accurate or not?!? this is really annoying how they cant recognize the issue .... attached is their response and my credit report which i highlighted the errors between the 2 bureaus.. I DONT THINK THEY UNDERSTAND WHAT ACCURATE MEANS!! 
well you guys are violating my rights you need to stop or i will sue ... what kind of company are you guys running here!! a XXXX XXXX XXXX can see the inaccuracies! 

XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


SIMPLE TO UNDERSTAND I DONT WHY YOU GUYS CAN'T!!
Product: Money transfer, virtual currency, or money service

I reported a scam within 10 hours of making the wire transfer while it was still pending. I informed the Bank of America representative that the check the 'tenant ' gave me, for {$5800.00}, had cleared into my account. The tenant asked me to wire {$2500.00} to her agent for car towing. I notified Bank of America about the potential fraud while the transaction was still pending, but they did not act in time to stop the transfer. Now that the check has bounced, I have lost {$2500.00}. I need assistance in holding Bank of America accountable for clearing a fraudulent check into my account. The report claim on Bank of America is XXXX, and the report # made by XXXX Police is XXXX
Product: Credit reporting or other personal consumer reports

I open a Kikoff account with a line off of {$750.00} credit limit on XX/XX/XXXX I paid it off on XX/XX/XXXX I open another account with Kikoff around XX/XX/XXXX of XXXX. They reported late payments on that account. Ive been back-and-forth with them over a year to correct their mistakes and try to close the account and get a refund. They refused to refund my money they refused to correct the mistakes on that account, and still in accurate information destroyed my shoppers cart and my reputation for my credit worthiness reporting app. I also been going back-and-forth with XXXX XXXX and now XXXX on an FRCA 15 USC 1681. I am due for an accurate credit report XXXX  XXXX and XXXX XXXX help open a different open dates different closes dates last reporting dates different dates of last activity late payment dates is different on all three and XXXX sitting pictures so you can see for yourself which is a violation of my rights, Ive been disputing this. They failed to comply with the laws on the FCRA as their duty to correct the information on my credit report which after 30 days it have to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months, I have been disputing items that are 100 % incorrect and have not been proven using the law thus far. 

The major 3 credit bureaus. Transunion, XXXX and XXXX.
Product: Prepaid card

I used XXXX to load {$110.00} to my Rushcard account on XX/XX/2015. I waited for 2 days and the money never went on my card. So i called XXXX and they said they sent the money to Rushcard. Then i call Rushcard and they said they posted it to my Rushcard account. So i wait a couple of hours to check it and it 's still has not posted to my Rushcard account. I have not been able to get a Rushcard rep on the phone and today is XX/XX/2015. I have a receipt from XXXX showing I sent the money.
Product: Credit reporting or other personal consumer reports

After many attempts on disputing inaccuracies on my consumer report the XXXX  reporting agency claims that they verified these accounts as accurate when these companies have not investigation properly. Transunion has on the FOLLOWINGS account : XXXX XXXX # XXXXwhich states charge and has a past due balance reporting {$1300.00} XXXXthere shouldn't be a balance if the account is charge off .with the last payment made XX/XX/2020 XXXX is also reporting a chatge off with a past due balance of XXXX which should not have a balance reporting and states my last payment was XXXX XXXX XXXX with a incomplete payment chart that is missing XXXX  months of payment history. 
XXXX has an incomplete report that missing payment amount date of last activity, payment amount high credit, the date of first delinquency showing XXXXwhen XXXX  show payment made XX/XX/2020 also missing high credit and the amount balance which that it should not have a balance amount.these are all inaccurate data on my report thus has been frustrating. For these companies to lack on proper investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX allowed multiple fraudulent deposits into my account. We were the victims of this fraud. XXXX  XXXX XXXX closed our account and kept our funds. Because of this, we have been unable to open any account for a year. They also allowed XXXX, XXXX dollars to be removed from our account without being able to tell us where it went. They alleged it went to IRS. According to our tax attorney, IRS never received that money
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived at the address LISTED AS XXXX XXXX XXXX XXXX XXXX and left in XXXX of XXXX INACCURATE : AMOUNT LISTED ON EVICTION COURT DOC OWED IS XXXX $ PER I WAS NOT AT THE RESIDENCE AT THE TIME THIS WAS POSTED DUE TO LANDLORD FAILING TO UPDATE UNIT WITH PROPER SAFETY. info shown by XXXX XXXX XXXX FINANCIAL MANAGEMENT SOLUTIONS Original Creditor Name XXXXXXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$5300.00} Amount {$5300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact FINANCIAL MANAGEMENT SOLUTIONS XXXX XXXX XXXX, XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX WHICH : XXXX is reporting inaccurately that i lived there in XXXX : Account name FMS FINANCIAL SOLUTIONS Also known as FMS FINANCIAL SOLUTION Account number XXXX Account type Collection Responsibility Individual Date opened!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XX/XX/XXXX Status Collection account. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment XXXX 0 Monthly payment {$0.00} Original balance {$5300.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX : ANY INACCURATE INFO SHOULD BE UPDATED AS WELL
Product: Money transfer, virtual currency, or money service

The seller from PayPal shipped my item to the wrong address so I was supposed to be covered for that by PayPal 's buyer protection program but they sided with the scammer ( CASE ID : XXXX ). I checked the tracking information with XXXX and they informed me that the name and address on the package was completely different. But PayPal still sided with the scammer. PayPal misadvertised their buyer protection program.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent written letter to XXXX/XXXX, Bank of America ( 2 inquiries XX/XX/XXXX and XX/XX/XXXX ) and XXXX/XXXX XXXX   notifying them that my XXXX credit report showed an unauthorized hard inquiry they had made and that I was not aware of. I requested that these inquiries be removed immediately this inquiry has been cited as a reason for me to receive credit. I also sent a copy of my XXXX  credit report showing the inquiry.
Product: Debt collection

To whom it may concern, ProCollect Incorporated has violated the Fair Debt Collection Practices Act. 

Section 805 ( c ) : states that collection agencies must cease contact upon request, unless further efforts by this company are being terminated. 

Section 806 ( 5 ) : states that a debt collector may not engage in any conduct of which is to harass i.e. causing a telephone to ring continuously. 

Section 807 ( 5 ) : States that a debt collector may not threat to take action that can not legally be taken. 

Section 807 ( 8 ) : States that collection agencies must report that a disputed debt has been disputed. 

Section 809 ( b ) : States that if a consumer notifies the debt collector within the thirty-day period ( a ) that a debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt. 

Be advised that claims made by the creditor have not been validated, and have been disputed twice, while collection efforts continue. Since notifying this company that I was aware of these violations, they have sold the invalid debt to another collection agency. 

ProCollect Incorporated has committed acts of harassment and abuse of discretion, or otherwise not in accordance with federal law.
Product: Money transfer, virtual currency, or money service

XXXX kept raising my monthly bill when i would call to find out why got a computer and no answers why. I was on auto pay and my bill was always automatically taken out. On XX/XX/XXXX I switched to another cell carrier and finally go a live person to talk to at XXXX and asked what I owed and was told around {$42.00} because of a few days carry over with XXXX and I understood that. My next bill with XXXX was {$370.00} and sent EMAIL asking why several times starting on XX/XX/XXXX XXXX XXXX XXXX and never got an answer. On XXXX the XXXX  I get a bill from Waypoint Resource Group , LLC at XXXX XXXX XXXX so I call them and explain I want to see how I owe this money next thing I know I get a notice that my credit score went from XXXX down to XXXX because of XXXX. have never had a contract with XXXX always paid cash for my phones and Auto Pay
Product: Debt collection

I was NOT notified at all of the garnishment at all as I have a mailing address that was provided through US postal service back in XXXX GLASSER AND GLASSER , PLC located XXXX XXXX XXXX XXXX, VA XXXX XXXX on behalf of XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX # for processing garnishment XXXX sent notifications to XXXX and XXXX and or garnished all of my bank account without proper notice of any law sue, while I am in a XXXX XXXX XXXX and has caused a severe amount or punitive damages, as well as financial harm during a storm storm here in VIRGINIA. Federal law, Violations of automatic stay ( 11 USC 362 ) Violation of 11 USC 522, Violation of Virginia Consumer Protection Act Virginia Code 59.1-196 et, Contempt violations of the bankruptcy courts,
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, THE FOLLOWING CLAIMS INJURIOUSLY REPORTED VERSUS ME FAIL TO MEET MINIMAL FEDERAL REQUIREMENTS TO REPORT LEGALLY SO I HERE NOW ENACT MY CONSUMER RIGHT TO CONTEST AGAIN THE REPORT-ABILITY OF EACH NOTED UNCONFIRMED CLAIM BELOW AND MY CHALLENGE IS FOR THE DEMONSTRATION OF THE FACTUAL AND TESTIFIABLE CERTIFIED COMPLIANT REPORTING PROCESS AND THAT THE MANDATED ADHERENCE TO THE PERFECT " METRO 2 '' FORMATTED REPORTING STANDARD WAS IN FACT OBEYED!! ANY DEVIATION INCLUDING OMMITANCE OF REQUIREMENTS, BRINGS TO CONCERN REPORTING OF INFORMATION NOT ETHICALLY AND OR EVEN UNLAWFULLY DONE SO! 

PLEASE DELETE BELOW INVALID ACCOUNTS : XXXX  XXXX XXXX XXXX - INVALID ACCOUNT, DELETE NOW, BECAUSE YOU ARE ILLEGALLY REPORTING " UNKNOWN PAYMENT HISTORY '', PLUS YOU ARE ILLEGALLY REPORTING NO PAYMENT HISTORY AT ALL. 
YOU ARE ALSO ILLEGALLY REPORTING STATUS OF ACCOUNT AS " NO STATUS '' AS WELL AS ILLEGALLY REPORTING " NO BALANCE '' INFORMATION YOU ARE ALSO VIOLATING METRO 2 STANDARD BY NOT REPORTING THE " ACCOUNT TYPE '' AND THE " ORIGINAL BALANCE '' XXXX XXXX XXXX XXXX PLEASE DELETE THIS ACCOUNT NOW BECAUSE YOU ARE ILLEGALLY REPORTING ALLEGED, UNPROVEN, UNVERIFIED AND INACCURATE LATE PAYMENTS.

YOU ARE VIOLATING METRO 2 STANDARD REPORTING, BY NOT REPORTING ANY BALANCE INFORMATION, OR ANY BALANCE UPDATED PAYMENT INFORMATION. 
YOU ARE ALSO NOT REPORTING THE MONTHLY PAYMENT. 

IN ACCORDANCE WITH THE FCRA SECTION 611 ( 15 U.S.C 1681 ( I ) AND IN ACCORDANCE WITH THE ACCEPTED OF METRO 2 DATA FIELD REPORTING, I AM HERE NOW ENACTING MY RIGHT ( S ) TO CONTEST QUESTIONABLE AND OR CLAIMS ALLEGED, YET STILL UNPROVEN TO BE EACH TRUE, CORRECT, DOCUMENTED AS VALIDATED AND OR ELSEWISE UNDENIABLY CERTIFIED COMPLIANT INFORMATION INCLUDED ON MY PERSONAL XXXX CONSUMER CREDIT REPORT. PLEASE STOP REPORTING ANY ALLEGATION OF DEROGATORINESS AND OR DELINQUENCY WITHOUT FACTUAL DOCUMENT PROOF. 
PER FEDERAL AND APPLICABLE REPORTING LAWS OF MY STATE, YOU MUST REPORT WITH GREATEST COMPLIANCE AND ACCURACY. 
I REQUEST AGAIN PHYSICAL AND DOCUMENTED PROOF OF YOUR ADEQUATE INVESTIGATION AND THEN PLEASE SEND ME MY UPDATED PERSONAL CREDIT REPORT FOLLOWING YOUR CORRECTIONS. THANK YOU
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the three major credit bureaus Equifax, XXXX, and XXXX for violations of consumer protection laws regarding the reporting of charge-off accounts on my credit reports. 

I have encountered multipl instances where collection agencies have placed charge-off accounts on my consumer report without providin validation information, as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite my requests for validation, the collection agencies have faile to provide this information, yet the charge-offs have been reported on my credit reports, negatively impacting my creditworthiness.

Furthermore, I have not ben given a fair opportunity to dispute these accounts, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The credit bureaus have failed to provide me with the necessary information and procedures to dispute the inaccuracies on my credit reports, depriving me of my rights under federal consumer protection laws. 

Additionally, the collection agencies have engaged in deceptive practices by using false, misleading, and misrepresented information to report these charge-off accounts on my credit reports. This behavior violates my consumer rights and undermines the integrity of the credit reporting system. 

It is evident that the collection agencies have furnished accounts to the credit bureaus without providing the required disclosures, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This clear violation of federal law has resulted in inaccurate and damaging information being reported on my credit reports, with no opportunity for recourse or correction. 

Furthermore, I would like to bring to your attention that the charge-off account from XXXX XXXX XXXX applied to my credit report is inaccurate information. XXXX XXXX XXXX has a history of engaging in illegal and deceptive practices, as evidenced by the lawsuit filed against them in XXXX of 2023. XXXX XXXX XXXXXXXX employees illegally applied for and enrolled consumers in credit card accounts without their knowledge or authorization, misusing sensitive customer information in the process. This is not the first time XXXX XXXX XXXXXXXX has faced enforcement actions for illegal activities in its consumer business, including unlawful garnishments and botched disbursement of state unemployment benefits. 

I respectfully request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action to ensure that the credit bureaus comply with federal consumer protection laws. I also request that the inaccuracies and violations on my credit reports be promptly addressed and corrected in accordance with the law.I am demanding that a resolution is reached within 15 days of this complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.