23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I called XXXX XXXX clothing store customer service line on XX/XX/XXXX concerning my credit card with them through XXXX XXXX. I advised them that I requested a new card be issued to me approximately XX/XX/XXXX, but still hadn't received anything from them. She advised that they sent a new card out, but it was sent back to them because there were address issues. I confirmed my address, and she advised that I called in yesterday from a store requesting my address be changed to another address. I advised I hadn't called them since I initially reported my card lost/stolen, requesting a new card, but hadn't received it. She then sent me over to another team, which is the account services, I went through a series of questions, and answered all of the questions correctly, and they were going to issue me a new card. The call was disconnected. I then called back in explained my situation, and got a rude lady from account services, who wanted me said there were concerns on my account now, and I had to mail in a photocopy of my driver 's license, a front and back copy of my social security card, and a copy of a bill with my address. I explained to her that it wasn't necessary from the last person I spoke to in her department. She proceeded to talk over me, so I asked to speak to a supervisor. Some guy got on the phone asked for my information, I verified all of the information that he asked for, and he placed on a long hold. He came back, and asked me more questions about my address, and I gave him all of the same information I gave him, and the other the last two times in speaking with them. He said unfortunately in order for me to have my account reopened and a card reissued I would have to send in those items. I explained that's a security risk with me mailing in a copy of my social security card, and my driver 's license address isn't going to match, so how is that going to do anything? He could explain their security policy. So I requested that my account be closed at that time again, as I asked the lady before him to close my account. He advised that they could not close my account without having the requested documentation. At that time, I again asked who sends their Social Security Card through mail. I advised I answered a series of security questions that verifies my identity, so what is the problem. I asked if there was bank I could walk into to verify my identity, and he again stated no, and there isn't anything else he can do to help me without sending in those documents. He also stated during the call when I asked if it could be closed, he said after 30 days, it would be closed, and I could reapply. I said, that doesn't make any sense, and now you all are going to effect my credit because you all have poor security measures, by letting someone walk into a store and change my address, without my consent, and now the owner of the account is trying to update information, and I can't. There was no resolution, so I disconnected the line, and proceeded with this complaint.
Product: Debt collection

I am a XXXX XXXX of a company here in XXXX, AZ. I had a collection agency call for XXXX employee who i sub contracted from time to time. I explained several times that the customer/debtor was not here and that she had filed BK. Since then they have called back several different times after I asked not to call. I don have 2 recordings of conversations.
Product: Debt collection

After checking my credit report earlier this month, I noticed that I had a random collection account show up and report to all three credit reporting agencies ( XXXX, XXXX, and XXXX ). This dropped my credit score by over 10 points on each of the reporting agencies and is preventing me from seeking further lines of credit for myself and business.. After further investigation I realized that it was from a company called " National Credit Adjusters ''. They are alleging that I owe them {$970.00} for an original creditor called " XXXX XXXX ''. 

On XX/XX/23 I sent them a validation letter to confirm the debt ( attached below ). It was sent by certified mail and signed for on XX/XX/23 ( also attached below ). They then sent me a response on XX/XX/23 starting they received my dispute and are investigating. They said that it can take more than 30 days ( their response letter is also attached below ). 

However, after reading up on the law and latest posting by CFBP here XXXX XXXX XXXX XXXX  This company never did the following : 1. ) They never sent me any notice identifying themselves as a " debt collector '' prior to adding this frivolous item on my credit report.

2. ) They never provided an itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization date 3. ) They never provided Information about your debt collection rights, including language that : A. ) If you dont dispute the debt within 30 days the debt collector will assume the debt is valid. B. ) If you do dispute the debt in writing within 30 days the debt collector must stop collection until it provides you verification of the debt. 
C. ) If you request the name and address of the original creditor ( if different from the current creditor ) within 30 days, the debt collector will provide you that information 4. ) They never provided any information on how to dispute the debt. 

I had no idea who this company was until it showed up on my credit report and I conducted my research. At no point and time have they ever been in direct communication with me prior to adding this item on my credit report. 

Additionally, they never validated any debt showing proof bearing my signature and a direct agreement with them to pay the alleged debt that they say I owe. Lastly, i've ready multiple reports on CFPB about them sending these bogus response letters saying that the investigation may take more than 30 days, only to never respond again. 

This company also appears to be a repeat offender like XXXX XXXX and are practices some of the same tactics that the CFPB just filed a lawsuit against XXXXXXXX XXXX  for here : XXXX XXXX XXXXXXXX I am requesting that this company delete this item off of my credit report with all of the credit reporting agencies ( XXXX, XXXX and XXXX ) . This is an invalid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello this is a formal complaint to request all credit reporting agencies including Experian, XXXX, and XXXX to stop reporting invalid information in my name. Listed account information XXXX XXXX XXXX # XXXX, XXXX # XXXX, CHAPTER XXXX BANKRUPTCY # XXXX, that are in no way mine. There is a public record for Chapter XXXX Bankruptcy on my report and I DO NOT file for bankruptcy. That is false and misleading and has stopped me from getting a approved for a home and much more. The credit reporting agencies have taken fraud to a whole new level all while violated the federal law.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report I was shocked to learn that I have been evicted identity theft I found numerous accounts on my credit report that were not open by me This has been hurting me is I am in the process of buying a home for my family please remove the fraudulent accounts from my account from credit report as soon as possible thank you!
Product: Credit card

This is concerning reports showing on credit profile showing of late payments on my credit report from XXXX XXXX XXXX account beginning in XXXX when I never received notice of a due date. I am disputing the late payments on my credit card account for the months of XXXX, XXXX, and XXXX of the year 2023. I believe these charges are unfair because I never received a notice of due date within 21 days before the due date, as required by Section 1666b.

If you are unable to provide this proof, I request that you remove the late payments for these months. I have been a responsible customer and have made my payments on time. I believe it is unfair to penalize me for your company 's failure to provide proper notice.
Product: Money transfer, virtual currency, or money service

Missing SEPA withdrawal since XX/XX/XXXX - Initiated SEPA withdrawal of XXXX from Coinbase to my bank account on XX/XX/XXXX XXXX CET - Promised completion of this transaction XX/XX/XXXX - Support ticket created XX/XX/XXXX - > Still waiting for any response or action - Transaction shows still " pending '' in Coinbase account
Product: Credit reporting or other personal consumer reports

I have no knowledge of these hard inquiries on my credit report. I did not authorize for these hard inquiries on my credit report 15 U.S. Code 1681c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern : I recently looked at my credit report, and I am disturbed to realize that I do not recognize multiple accounts and I can not match the debt to any debts that I am aware I owe. Can you please verify these accounts for me to help me understand why someone thinks I owe these debts. Here is a list of all the information I could find on my report, though the account numbers are only partials. I don't know where to get the rest of that information...
Product: Payday loan, title loan, or personal loan

( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan These guys are some Crooks. 

The first time I took my wife to their XXXX office, they said that she was going to need a XXXX XXXX. And they said that I would need the same thing too in spite of the fact that I have not had a XXXX in 27 years. And in spite of the fact that the last XXXX that I went to told me that I would need no such thing. 

The next time I went back for an emergency appointment for my wife. They told her that she would need her XXXX XXXX XXXX, and they said that it will cost {$1400.00}. That would be {$570.00} for the XXXX XXXX and another {$800.00} and some change for a XXXX XXXX. Awfully strange. I looked it up while I was deciding whether or not to have them run my credit for a XXXX loan, and it said that this procedure was definitely not recommended in the overwhelming majority of cases. Also, there was no other mention of suggesting that she needed another XXXX XXXX. 

When I left their office, I went to another office and they said that the XXXX would cost between {$120.00} and {$350.00}. For the record, that is about {$450.00} cheaper to {$200.00} cheaper then what it was at their office. 

It gets worse. I contacted the Care Credit company that they used to try to finance the overpriced procedure, and they tried to open up a {$5000.00} line of credit in my name and also my wife 's name. They neglected to mention that.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX XXXX XXXX and Lockhart & Morrison, as well as the three major credit reporting agencies : XXXX, XXXX, and XXXX. 

Background Information I have no contractual agreements with either XXXX XXXX XXXX or Lockhart & Morrison ; however, I have received multiple calls and letters from both companies attempting to collect alleged debts. Additionally, both companies have reported these accounts to the credit reporting agencies, which has negatively impacted my credit score. 

Violations of the Fair Credit Reporting Act ( FCRA ) The actions of XXXX XXXX XXXX and Lockhart & Morrison, along with the failure of XXXX, XXXX, and XXXX to adequately investigate and correct these inaccuracies, constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs consumer reporting. This statute provides consumers with protections against inaccuracies and unauthorized reporting on their credit reports. 

Request for Action I am requesting the following actions be taken : 1. Investigation and Removal : I ask that the CFPB investigate the practices of XXXX XXXX XXXX and Lockhart & Morrison regarding the collection of debts for which I have no contractual obligation. I request the immediate removal of these accounts from my credit reports with XXXX, XXXX, and XXXX. 
2. Removal of Inaccurate Information : I urge the credit reporting agencies to correct their records and remove any negative reporting associated with these accounts, as they are based on false claims. 
3. Enforcement of My Rights : I seek enforcement of my rights under the FCRA, ensuring that these companies cease their unlawful collection practices and that the credit reporting agencies comply with their obligation to report accurate information. 



Conclusion I appreciate your attention to this serious matter and look forward to your prompt response. Please inform me of any updates regarding the investigation and actions taken in response to my complaint. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I paid my balance on my DISCOVER credit card in FULL on XX/XX/2022 which was {$530.00}. I called DISCOVER to make sure that they received the payment and I was told that the amount should take about 2-3 business days to post and then I would be able to use my card. I called DISCOVER back on XXXX XXXX to check on my available account balance because my card declined after the payment had been processed from my checking account in my regular bank, XXXX XXXX XXXXXXXX XXXX The agent told me that there was a verification that needed to be done and she did it over the phone and said that I was all set and could use my card now because there was a hold because of the verification and now the hold has been lifted and I'm all clear. However, when I tried using my card on XXXX XXXX, it was declined again. Ever since then I have called DISCOVER 2-3 times and either the call does not go through or the agent or manager tells me to wait for the hold to be lifted. This has never happened before to me, on the same day I paid off my XXXX XXXX card in full, they gave me the available balance within the course of 2-3 business days and I was able to use my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I received a notification regarding my credit report that showed an unauthorized charge from XXXX. I called XXXX to inquire about this charge, and after discussing the matter with their representative, we confirmed that it was indeed fraudulent. I was advised to open a dispute with Experian, which I did. Experian responded within a couple of days with the following information : Account - XXXX XXXX The company that reported the information to Experian has verified that it is accurate. 
I proceeded to follow up with XXXX and was advised by a representative that they're still working on the fraudulent activity, so it did not make sense that Experian already had a response. 
Experian has not fulfilled its legal obligations under the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable reinvestigation of the disputed items on my credit report. As a result, there are still inaccurate or unverifiable accounts that remain unaddressed. Additionally, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, highlighting systemic issues such as the failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and neglecting to inform consumers about the outcomes of their disputes. These issues mirror my experience, as Experian has not corrected or removed the disputed items despite the evidence I submitted. This ongoing inaction has adversely affected my credit standing. Therefore, I am requesting immediate corrective action to either remove or amend the disputed accounts. Experian 's failure to act constitutes a violation of federal law and infringes upon my rights as a consumer.
Product: Mortgage

A request for a short sale was submitted prior to the seven days needed for to be reviewed before a trustee sale date. The short sale requests was rejected due to insufficient time, even though I have evidence it was in prior to the seven day that 's required. I also informed Ocwen there e-mails and faxes were getting kicked back,
Product: Vehicle loan or lease

My vehicle loan, with Ally Bank was paid up XX/XX/XXXX. Calling for title is the only way you supposedly can get it.XX/XX/XXXX-XXXX XXXX, called, punched buttons - title promised 8-10 days ; end of 8-10 days - no title! XX/XX/XXXX -  XXXX XXXX-called again, punched buttons, title promised 8-10 days. End of 10 days, no title. XX/XX/XXXX-called again, punched buttons requesting title - end of time frame - no title.
Product: Payday loan, title loan, or personal loan

Somebody used my name with a XXXX XXXX joint line of credit for {$10000.00} in XX/XX/XXXX California Wells Fargo branch. I was in Idaho and have never heard of this person. Wells Fargo has the wrong address and no valid ID for me for the account just my social. In XX/XX/XXXX I took out a line of credit of {$10000.00} 3 weeks prior with XXXX that I paid off in full. I didnt know the other existed until it went into collections when I disputed it as fraud and Wells Fargo said they couldnt prove if it was fraud or not and werent going to do anything but write it off. And apparently according to the irs writing it off means that they can come after me for that debt even though its fraud. I duno what to do it was identity theft so I duno if I should report it to the police since theyre going to be coming after me for that money. This was almost 9 years ago and I was just told 3 days ago by two IRS agents that they will be coming after me for this money despite it being fraud. I never opened any line of credit in California, someone named XXXX XXXX XXXX did and my name was on it as a joint account. I dont know what to do and Wells Fargo isnt helping me with this situation despite it being fraud.
Product: Money transfer, virtual currency, or money service

Hello, I would like to submit a complaint about an unauthorized money transfer that happened using my Remitly account. 

Remitly is a service that I use to transfer money from USA to XXXX and it is connected to my bank account at XXXX XXXX XXXX. 

On Friday : XX/XX/2020, I noticed that my Remitly account was used to transfer {$2000.00} to XXXX XXXX  XXXX. I did not know the recipient, neither did I recognize any of the details of that particular transaction. 

Remitly customer service was very prompt in disabling my account and stated that I get in touch with my bank so that bank ( XXXX XXXX XXXX ) can directly contact Remitly to initiate an investigation. 

I do not know the status of any investigation and whether my funds will be returned to me. 
I do not have any way to get in touch with Remitly since they disabled my account. 
I will really be grateful if that {$2000.00} is returned to me during this time of Cobid19 pandemic. 

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

There are hard inquiries that are not mine. This was likely due to the Transunion inquiry issue or the XXXX data breach.
Product: Debt collection

On XXXX I contacted AAFES Military Star Card to find a resolution to my owed debt. I spoke with a woman For approx. 24 minutes asking questions such as if my account had been closed, what the options for a settlement were, etc. She brought up that if the Debt remains unpaid that they would begin to garnish my retirement. I told her that I was XXXX retired and receive VA XXXX compensation due to a Service Connected XXXX and was not receiving that in lieu of retirement benefits. She put me on hold and spoke with her colleague/supervisor and came back to notify me that they will garnish VA XXXX compensation. I tried to inform her that Public Law 95-30 does not permit garnishments like that and I was told, paraphrased, " if you read that, its general, and we can and will garnish VA benefits. '' I gave up and ended the phone call and proceeded to email the collections dept. at AAFES as she had suggested to potentially reach a settlement ; she did however inform me they usually don't do settlements until it has reached the third-part collections agency. I emailed the company right after our phone conversation and gave a brief overview of my situation, my recent phone call, and my reason for a settlement request ; I was ignored. on XXXX ( the following day ), I get a notification from XXXX that there has been a change to my credit file as follows : Change : Major Derogatory Account ; Company : MILITARY STAR. I believe this change was submitted and made due to my attempt to settle the debt and phone conversation. I believe that these tactics are predatory and they are threatening to garnish exempt income against federal law. They are bullying Consumers, specifically military affiliated consumers, into paying debt.
Product: Debt collection

Called and left messages with family members about a debt. Payment was made on XX/XX/2018 ; they called my son and left a threatening voicemail on XX/XX/2018.
Product: Credit card or prepaid card

I recently purchased a prepaid XXXX XXXX XXXX XXXX ( US BANK NATIONAL ASSOCIATION ) ( XXXX ) ( XXXX ) at XXXX XXXX Grocery store in XXXX, Utah an loaded {$50.00} onto card and was told no hidden cost or charges just the cost for the card. When I tried to buy an XXXX ticket over the Phone XXXX told me that the zip code that I had used XXXX for XXXX did not match the card so an incident was filed and the Vender, not XXXX but the company selling these XXXX Debit cards, XXXX charges me a 15 percent incident charge equaling {$7.00} off my {$50.00} debit card so that I could no longer purchase that {$50.00} XXXX Ticket. I had to use the remainder of the card to purchase another prepaid debit card but this time from another company and this time instead of buying ticket over the phone I purchased the ticket on XXXX 's website. This hidden cost was on a tiny piece of paper hidden and glued inside part of the paper folder the debit card came in. A card may say XXXX or XXXX Charge but is not actually put out by XXXX or XXXX charge and that is Fraud! Like buying a said to be XXXX product security program that actually is not from XXXX.
Product: Debt collection

IQ Data purchased debt from XXXX XXXX XXXX and reported to all credit bureau with incorrect amount of {$130.00}. After I disputed the debt, IQData updated the amount to {$220.00} which is incorrect. I paid a portion of the debt that was not in DISPUTE with XXXX. According to emails and XXXX database the amount in question is {$110.00}. I was recently informed that I am a member in a Class Action against XXXX ( XXXX ). I believe that IQ Data and XXXX are acting in a malicious, retaliatory and fraudulent action to damage my credit. I attempted to resolve the disputed amount in XX/XX/2015, with BBB XXXX would not respond and BBB closed file with " F '' rating. I have NEVER received proof of debt from IQ Data even though requested in my credit bureau dispute.