23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by the Commercial Acceptance Company on XX/XX/23 for a debt owed by my stepdaughter. Then after not answering, the company proceeded called my wife and the representative left a voicemail.When we informed him it wasn't our debt and would look into it, he got more aggressive. Attached is a recording of the phone call where the agent became belligerent and we decided to hang up. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018 my tax return was loaded onto my net spend card No more than 20 minutes later I go to check my account and {$2600.00} was taken out of my account. 

I called netspend in XXXX Texas an they took my information an told me they would do an investigation. 

On XX/XX/XXXX XXXX they send me a letter saying their was no information an error had occurred.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am reaching out to report that I have been a victim of identity theft, which I believe occurred as a result of the recent data breach involving Equifax and XXXX. This breach has led to fraudulent and inaccurate information being added to my credit report with Equifax. Under 15 USC 1681c-2 ( a ), I am requesting the immediate blocking and removal of this false information from my credit file. I kindly ask for a prompt investigation into this matter to ensure my rights as a consumer are protected. 

XXXX XXXX XXXX XXXX- {$1500.00} Date Opened - XX/XX/year>
Product: Credit card

XX/XX/XXXX I submitted a claim for XXXX for a bunch of charges that were made with my stolen phone and stolen card. I provided Wells Fargo with all the information and still my claim was denied with no real explanation. XXXX dollars is a lot of money to lose and they didnt try to work with me at all. They made a decision within XXXX  days and didnt give an explanation, no refund, or no credit or anything. So now Im out of almost XXXX dollars with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I disputed XXXX XXXX XXXX debt collection to Transunion credit bureau which resulted in deletion of XXXX XXXX XXXX debt from my credit report. However, Transunion failed to update and increase my credit score after error was deleted and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a notification from XXXX about a recent inquiry. So I pulled a copy of my most recent consumer reports and noticed an unauthorized inquiry by ( XXXX XXXX XXXX ) immediately filed a report with the FTC & here I am following up with the CFPB now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act child support Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Medical information being shared without a Hippo signature I would like a sign copy showing my signature on the debt in question. I would like to see a sign hippo that give anyone but the medical facility the right to shared with any out side agency a medical problem that may are may not occurred. XXXX XXXX XXXX  opened date XX/XX/2014 amount {$1000.00} If no Hippo signature giving XXXX XXXX XXXX the right to any of my Medical information are sign statement I ask that they remove not to be reported the law state that any thing about one Medical history should not be shared without hippo approver to the person that share the information without a {$1000.00} fine est.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I went to a XXXX XXXX XXXX branch to do an XXXX XXXX XXXX. The associate erroneously performed a domestic wire to Wells Fargo when it was suppose to be the XXXX XXXX XXXX and now Wells Fargo will not respond to requests from XXXX  XXXX XXXX to reverse the wire transfer. The amount was {$230000.00}. Please help with Wells Fargo. XXXX  XXXX XXXX account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.
Product: Bank account or service

Paypal signed me up for a Paypal Credit account without my knowledge. 

I found out when they did a hard hit on my credit report. 

I never authorized this and I do not need or want paypal credit. This is deceptive.
Product: Credit reporting or other personal consumer reports

Complaint regarding my inability to log online into my credit report. I have tried several time to log in, but have been unsuccessful. I have also attempted to contact the credit bureau for assistance, but have not received a response. 

The details of my issue are as follows : This is my first for XXXX  year I tried to check my credit report. 
I enter all the information to open up my account in the credit union.

All that I getting " unable to contact credit Karma please try again later. 
This happened all the time every day and I get tired and I stopped for a while and the go back again and the same story. Can you help me to resolve this problem. 
The name of the union bureau is XXXX Credit Karma, Web page that I using is, XXXX.creditkarmaXXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation that is binding me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. 
APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within XXXX ( XXXX ) calendar days, or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of New York medical privacy rules . 
I also hereby reserve my right to take private civil action against you to recover damages.
Product: Debt collection

A collection company by the name of XXXX XXXX  brought a alleged debt from sync/sync bank this collection company is violating my rights by reporting this alleged debt as a new account that was opened in XX/XX/XXXX when this account was open in XX/XX/XXXX with the original creditor this is not legal the according to the Fair credit act a debt collector can not report old debt as new debt it is supposed to obtain its original date of delinquency
Product: Credit reporting or other personal consumer reports

I went to this page to find out about freezing my credit at the 3 reporting agencies. https : //www.identitytheft.gov/CreditBureauContacts The contact for XXXX doesn't work and there is no email address or form for submitting problem reports about their web site to them. 

In particular, registering for an account on their site fails, as shown on this URL https : XXXX? XXXX & XXXX and it says a manual form should be submitted to their upload URL " Submit by mail or upload WITH PROOF OF IDENTITY Icon of an envelope Experian XXXX XXXX XXXX XXXX, TX XXXX After downloading the PDF XXXX you may mail the form or submit it electronically at XXXX. 
Download PDF Form " But when you download and fill out the form and try to submit it, their XXXX  page says " Security Freeze requests should not be submitted using this platform. To request a security freeze online, visit XXXXThis link opens a new browser window '' which just links back to the page that we just came from. 

Experian is being totally sloppy with their IT and can't even put a proper working web site together, how can they securely manage our private personal data?
Product: Payday loan, title loan, personal loan, or advance loan

American First Finance denied me an extension of credit after accessing my credit. According to 15 USC 1681a ( k ) ( 1 ) which defines adverse action, one can be denied insurance and one can be denial employment. No where within 15 U.S. Code 1601- Congressional findings and declaration of purpose, does it say one can be denied an extension of the own credit. Furthermore, 15 U.S. Code 1691 - Scope of prohibition states within ( a ) Activities constituting discrimination, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. Applying for credit extension using my open ended credit plan ( social security number ) through American First Finance, entered me into a consumer credit transaction therefore a finance charge arose. I have an account with American First Finance but they are not allowing me access to the credit line or information about the valuation of the application that they received. I feel like I am being discriminated against and this is causing damage because I was relying on this company to uphold the offers stated in their SEC filings for note holders. All companies that sell securities in the United States must register with the Securities and Exchange Commission ( SEC ) and file reports on a regular basis. As a note holder and investor, I would like to know why credit is being accessed and used by this company while I am being denied? on their website, https : //americanfirstfinance.com/contact-us/, within their " Frequently Asked Questions '', they respond to the Q : What does No Credit Needed mean? with the A : No Credit Needed means that you may be approved for financing or leasing without a credit score or credit history. Applicants with poor, or even no credit, may be approved, but credit is checked as part of the application process. Your credit score is not the sole consideration for qualification. You are invited to apply, no matter what your credit history is!
Product: Debt collection

They have called twice already this morning, using a robo-dialer to call my cell phone. When I answer, an electronic voice tells me to please hold for a very important call and then puts me on hold with music playing. This is unacceptable, both the multiple calls and the robo-dialing then putting me on hold.
Product: Credit card or prepaid card

I contracted Bank of America ( BOA ) multiple times in writing and over the phone regarding being overcharged by XXXX XXXX XXXX XXXX XXXX  at XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ignored my attempts to resolve the issue. I tried in person while on site, over the internet, via email and via phone. 
The merchant overcharged me by XXXX XXXX for renting a car in XXXX. I was quoted XXXX XXXX for an intermediate SUV and ended up with a compact car for XXXX XXXX for 3 days. I opened a dispute with BOA in XX/XX/XXXX. I had multiple dispute claims opened over the following 7 months. The number of the last dispute is XXXX. BOA denied my claim based on the information from the merchant. XXXX 's response to BOA shows the daily charge and all of the fees and taxes applied to it, but there is no explanation why the charge is all of the sudden much higher even though the gave me a lower vehicle class. XXXX 's response to BOA has errors but BOA failed to catch it before denying my claim. Here is an excerpt from merchant 's response : " Amount : XXXX USD '', ... '' Transaction Amount : XXXX USD '', ... and " confirm that disputed charges of XXXXare legitimate '' ( see the page 4 of attached BOA Last XXXX XXXX XXXX ). BOA decided to deny my claim based on XXXX XXXX XXXX XXXX very sloppy response. BOA refused to ask the merchant to explain the base for the daily rate before the taxes and fees and didnt care about the mistakes in merchants response ( correct value of the transaction in XXXX and XXXX dollars ). If the merchant is not punctual in their response to financial institution, how can I be sure they charged me the correct amount? Last time I spoke to Bank of America representative was on XX/XX/XXXX and from their point of view the claim is closed. I pointed out the discrepancies and inaccuracies in merchants response and the fact they didnt address the daily base charge but BOA refused to reopen the claim.
Product: Credit card

During Pandemic, I received a letter from American Express dated XXXX XXXX that my credit limit is reduced from XXXX to XXXX giving me following reasons : 1. My credit score is XXXX XXXX. I have other credit cards with high usage. 
3. One payment sent by me was returned.

4. Too many inquiries on my accounts.

My answer was that reason 1 and 2 is nothing wrong and in my favor.

3. The payment returned was mistake of an employee of American Express error as my bank account number got changed. I never used my bank account to make a payment on my credit card and always used Money order. This was first time I made a payment via my bank account. The american express was called several months before this payment issue and informed about bank account number changed and they reported that change is made. I have PROOF of phone company record that I informed American Express several months ahead of this incident. The minute it came to my knowledge, I contacted AMEX and asked them to charge my new account which I gave them several months ahead and it was paid in a minute. I was offered 10 days to pay whereas I paid it in minutes instead of taking time. XXXX of that they reduced my credit limit. I gave information about my money in stocks, my bank account baance, my ownership of a house but they always will ask me my date of birth as verification for accounts to talk and through my date of birth they can see that I am at XX/XX/XXXX of age and have great chance of XXXX due to pandemic so they kept refusing to increase to my old limit. 
Their 4th accusation was a lie, LIE, that I had too many inquiries. I had only ONE inquiry in 24 months. Bottom line is that I was made victim of PANDEMIC. Upon contacting to file a complaint with their arbitrator and also on their website they offering arbitration address. I sent a registered mail complaint it returned that address not deliverable and I still have that envelope unopened.
Product: Checking or savings account

I was fraud scammed by a phone number who called me pretending to be a federal agency saying that my identity was being used and am trying to recover my funds.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle. Zelle failed to investigate my claims adequately
Product: Credit reporting or other personal consumer reports

Freedom Mortgage miscalculated my 2024 mortgage payment because last year they took out a 2nd insurance on my behalf which increased my payment by about XXXX. I called them immediately I received the letter in XXXX and asked them to fix the issue. I was told my mortgage would be recalculated. Their agent took my XXXX payment over the phone after I insisted that they recalculate and give me the correct rate. The next month I was reported to the credit bureau for being delinquent on my Mortgage. I immediately called them to resolve this issue since I never missed a payment, rather I overpaid on my mortgage in XXXX but they have still not resolved this issue. Every month since XXXX, I receive delinquent and collections notices on a mortgage that I am current for. I have called 4 times since XXXX to reconcile my account to reflect the fact that I am current but this has not been addressed so far. It has been 90 days since this issue began.
Product: Credit card or prepaid card

I was a victim of fraud and I informed my credit card company of the fraudulent charge made on my account XXXX   months ago. I then petitioned them for a full refund after said investigation providing them a copy of the police report in which the whole case is laid out. After providing them with everything they requested they refused to investigate and remove the fraudulent charges from my account. This has impacted my credit score greatly and my ability to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX my credit score with Experian was XXXX, in XXXX it increased by 5pts to XXXX, in XXXX it decreased by 15 pts to XXXX, in XXXX it decreased by another 15 pts to XXXX give or take. There is no reason for my XXXXredit score to decrease like this. According to a source that I use, it showed me that the reason for my Experian credit score decrease was because of my XXXX Account XXXX. 

I noticed that my XXXX Account was showing date of last activity back in XXXX was on XX/XX/XXXX and now in XXXX it is showing date of last activity was XX/XX/XXXX. This account was put in a bankruptcy back in XXXX alone with some other accounts and I believe that these accounts may be getting re-aged by the different dates I noticed Experian are putting in them, I disputed this account, because it is not showing accurate information concerning dates and balances even though it was filed in a bankruptcy, but this should not cause my credit score to go down. I did the same thing with XXXX and my credit score has only gone up. 
I have disputed the inaccuracies with these accounts that were put in bankruptcy more than once and it is still showing inaccurate and incomplete information. The same amount my credit score has decreased with Experian, it should have increased by the same amount, my credit score should be in the XXXX at this point, I have not been late on paying any of my bills, my revolving accounts are paid on time and they have been paid down some more, my installment accounts have consistently been paid on time and more. 

Documentation can be provided upon request.
Product: Debt collection

This company is trying to get us to pay someone else 's debts that we do not know! They texted me about XXXX??? and he does not live here. We don't know where this individual lives. They identify themselves as Harris & Harris Debt Collector. I had asked them to stop contacting us. They keep contacting us! over and over! They keep calling us XXXX for some odd reason. These notices keep running up my message and data rates on my cell phone. Yesterday they said, XXXX, Harris & Harris is a debt collector for XXXX. I do not know who or what XXXX is much less the person they are asking for. I told them we are not responsible for someone else 's debts and that no one by that name lives here! This is the sixth time I know of that they harassed us! Their code is XXXX. Make that 7 times. They called ago on XXXX at XXXX today XX/XX/XXXX. I keep reporting it as junk. The phone number uses the name XXXX and wants me to call back at XXXX. They contacted me on XX/XX/XXXX at XXXX similar message. Another contact on XX/XX/XXXX XXXX similar message. I reported all of these and the others to you yesterday with the numbers and messages and dates. I hope it was not another false company I contacted yesterday! It was under the Do not call registry! Anyway, my number has been registered with you for years. They are taking up space on my phone and my space is very limited! In fact it says space is 98 % full! It's because of these contacts. I do not know if the robocalls were additional contacts. I've just been reporting some of the messages and texts that they left me. Please do not share my phone number OR email with someone who is trying to scam us with someone else 's debts. We never signed papers saying we would be responsible for someone else 's debts! We do not have medical nor financial permission for someone else! My husband is called something else. Why would we get calls for some unknown person? We are in our XXXX 's and I am a XXXX  XXXX. They are calling on our cell phone harassing US! Why do scammers try to harass and cause XXXX XXXX anguish, pain, and more? I can't even get up to answer the phone most of the time! I think they owe us some money for harassing us, causing health problems, and anguish! Since no one lives at our address except my husband and myself, I do not know why they have my phone number nor why they are calling for someone who is not here!
Product: Debt collection

A credit card was taken out under my name when I was XXXX. I have disputed this and they continue to send me bills. They agency Portfolio recovery associates did not verify they were speaking to the correct person they just started giving me all the info. They were also very rude I was hung up on twice because they did n't know how to answer my questions.