23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Both XXXX  and equifax dropped my score by XXXX points just because I have a new credit card open. That makes no sense. I have other credit cards open and that was not the case! Please fix the scores.
Product: Debt collection

I received a call today on XX/XX/XXXX from a fictitious number leaving a very vague message from a representative at the extension XXXX. On the same day a friend sent a screenshot of the voicemail to text, that the same representative called and left. Today on XX/XX/XXXX was the first time I have heard from this company. I XXXX the number and found it belongs to Orion Capital Solutions, LLC.  Below is a transcription of the voicemail that was left by the representative. 

Hi Good morning Ms. XXXX, this is XXXX. I am reaching out to you XXXX in regards to the notification that my office has sent out to your mailing address. Its in reference to the paperwork that we have here concerning yourself. We still as of today have yet to get any sort of response from you and prior to making any sort of recommendations, Im really hoping for an opportunity to go over the full details of this with you directly. If this is something that you would like your input considered on before anything is decided, Ill be here today until about XXXX O clock Eastern time. My direct number here is ( XXXX ) XXXX XXXX extension is XXXX. Thank you When I returned the call, the representative was very aggressive and stated that this was regarding a debt that was referred to them in XXXX of XXXX. She was still very vague, and I questioned how she got the contact for my friend and why she would contact a third party regarding this supposed debt. I also asked why so much time had passed before I was contacted regarding this supposed debt, why I had not received any written notice about the supposed debt, and that usually after 30-60 days of no response from the debtor the debt is attached to the  credit history she claimed that it was sent via email. 

I also stated that this is not normal behavior for a collection company and formal written validation of debt is required on the debt collectors part per the Fair Debt Collections Act. The representative became irate and told me that was false and not how collections accounts were handled and that I committed a crime by violating my contract with the original debt. This company has broken many parts of the law and are using illegal tactics to intimidate me regarding a supposed debt they have yet to send a validation for. Below are some clear violations made by this company.

1. This company violated section 805 of the Fair Debt Collections Practices Act which is public law, by contacting a third party regarding my contact information and debt.

2. This company violated section 806 of the Fair Debt Collections
Practices Act by using deceptive and misleading tactics in connection with the debt. They also attempted to disgrace me by saying I was committing a crime in relation to the debt, which is also a violation in this section of the Fair Debt Collections Practices Act.

3. This company violated the Fair Debt Collections Practices Act by not sending a written proof of debt showing information about the  original debt, original contract, amount owed, proof of debt etc.
Product: Mortgage

I was awarded a home in a domestic divorce settlement which was already in default .I contacted my lender to do any first loan modification I submitted each document that was asked for .After checking on it for every other week I kept getting a rep saying they will get back with me.To no avail nobody did .I was scared so I filed bankruptcy to give me sometime to decide what to do .I later decided to dismiss my bankruptcy and try again with my lender .I spoke with another rep at the loan company and this time I spike with an intake rep that took my info .She even asked me if I could come up with XXXX I told her I could in about three weeks .She proceeded getting all my info .She said I would receive another packet and to submit all documents it tells me too .Once again I submitted all documents I doubled check everything .i even called the loan office to speak with someone in the loan litigation dept but was told I couldn't but the lady I did soeak with told me she used to work in a LM dept at another job and could help me make sure i had everthing correct .After soeaking with her I felt confident..Well after checking on my loan modification again like before I was still getting the run around .I finally spoke with a rep that said Mrs.XXXX  just send in something ( $ $ ) until you get your answers but I didn't because I needed to know that they would just take my money and still foreclose on my home .I tried going online ( my account at ditech ) to make a payment but later found out I couldn't unless it was the full amount .30 days later I get a lbetter saying I had 30 days to respond to decide what I wanted to do about my home and it listed options ..Loan modification was another options so I tried again yet no success .I just received a letter on XX/XX/XXXX saying they received what I submitted and are still working on it .Then recently I received another letter saying more documents were missed again .I really need help .Because yesterday I received a letter from a random lawyer ( XXXX XXXX XXXX ) saying he saw where my lender filed a foreclosure proceedings just been started against me based on public records available at SC judicial dept website. 
Please help me
Product: Checking or savings account

I used AfterPay to purchase items but the items never arrived. A refund was granted by Afterpay for {$580.00}. AfterPay only deposited half the amount. The other half they claimed the bank refused the other half. Afterpay is now asking for personal banking information to verify the two deposits were declined. This leads to identify theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, WFB XXXX  XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I financed a vehicle back in XX/XX/2023. From XXXX XXXX XXXX. 
They ran my credit about 12 times to different financial accounts to approve my loan.

Ally finance approved us. All other inquiries I did not consent to. 
I tried dealing with the dealership but they keep putting me on hold and many excuses to not help me out. 
I keep trying to apply for credit cards and it seems my hard inquiries are affect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two XXXX XXXX XXXX credit card accounts both with first date of delinquency being XX/XX/XXXX. XXXX XXXX XXXX asserts the first date of delinquency as XX/XX/XXXX. XXXX XXXX XXXX has agreed to remove this aged account from XXXX and XXXX. However, the refuse to correct the date with Experian. XXXX XXXX XXXX is attempting to reage the credit to extend to credit reporting period.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX  {$10.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$5000.00} XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$1900.00} XXXX XXXX XXXXXXXX {$820.00} XXXX XXXX XXXX {$9800.00} XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX i have no knowledge of the accounts and inquiries listed above. 15 USC 1681b. please remove these accounts and inquiries off of my credit report.
Product: Credit card

The Following companies, Equifax, XXXX, XXXX, XXXX XXXX XXXX  XXXX, Affiliates, are in possession of my stolen credit card ( XXXX XXXX XXXX ) personal social security account information, absent my knowledge, consent and/or agreement ( XXXX XXXX XXXX XXXX. I have forwarded an opt out demand, verification disclosure, cease and desist communications letter to the aforementioned, identifying the identity theft accounts. Equifax, et al, has failed and/or refused to implement a block. I have also demanded secific verifications : ( XXXX ) Any insurance claims ; ( XXXX ) chain of title ;, i.e. which has been ignored and/or authority exceeded with regard to possession of personal information.
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. 

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

In accordance with the Fair Credit Reporting act, 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 I don't recognize XXXX XXXX XXXX which shows on my account as a Collection. 
I will like to request an original loan agreement I signed with XXXX XXXX XXXX showing the following 1, my signature and that of XXXX XXXX XXXX as proof I borrowed money from them because I don't recall borrowing money from them 2, amount borrowed and payment history 3, proof they are legalized to collect debt in the state of Florida. 
if this can't be provided then I request the collection be taking off my account or I will take legal actions
Product: Debt collection

requested validation on basis of violation through cfbp and on XX/XX/, 2019 received packet that contained someone else information and accounts. Therefore I'm positive my confidential information was sent to someone else. My initial complaint Detailed and implied my concerns of HIPPA violation. To send wrong information and someone else at that is the icing on the cake. The 30 day window has passed for validation.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, POSSIBLE FINANCIAL INC. opened a payday loan account that I did not authorize. I later opened an account with POSSIBLE FINANCIAL INC. on XX/XX/XXXX, which began with account number XXXX. The account in question from XX/XX/XXXX, with account number XXXX, is invalid and was not opened by me. 

I discovered this discrepancy while reviewing my XXXX credit report, where two accounts appear : one valid account and one unauthorized account. It appears that after defaulting on a loan that was opened illegally, POSSIBLE FINANCIAL INC. granted me a new loan in XXXX without addressing the existence of the previous unauthorized account, resulting in two separate accounts on my record. 

I respectfully request a resolution to correct this error, including the removal of the unauthorized account and any negative reporting associated with it.
Product: Credit reporting

On XXXX XXXX, 2015 I contacted Experian to have the security freezes on my credit report account and on my wife 's credit report account temporarily lifted. I paid {$10.00} for each temporary lift. 

I arranged for the temporary lifts on my and my wife 's accounts because I was told by the Social Security Administration representatives with whom I spoke that the Social Security Administration uses Experian to verify the identities of people setting up accounts. 

It is now XXXX XXXX, 2015 and I have tried repeatedly to to set up the Social Security account online and not been able to do so. Each time I contact the Social Security Administration I am told that I can not set up the accounts because Experian has not lifted the credit freeze on my wife 's and my credit report accounts. 

It is impossible for me to contact Experian by phone to attempt to resolve this because Experian does not provide a telephone number for doing so. I want the money that I have paid, {$20.00} ( {$10.00} for myself and {$10.00} for my wife ) credited back to my credit card. Experian has not provided the service for which it has been paid.
Product: Student loan

I am uploading a shortened copy of my last letter of complaint to the Office of Federal Student Aid for the U.S. Department of Education on XX/XX/XXXX -- in order to get it uploaded within the 10MB size limitations. However, all the required documentation should be present for evaluation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information the collection company is reporting is a violation of the fair credit reporting act. This information is showing on all 3 credit bureaus and needs to be deleted from all. They have re aged the debt and I want it removed from my report. I have the original delinquency date and it is aged by more than 2 years in their favor. Original delinquency date was Date of First Delinquency XX/XX/XXXX and they are stating the date of XX/XX/XXXX. It is illegal to age the date of the debt to when they obtained it. This should be removed from my credit reports immediately. I have tried to fight it with XXXX  and they say it is not a violation. But it is. According to the Fair Credit Reporting Act. No matter when XXXX XXXX purchased this debt, the date of reporting should not have changed. The first DOFD has been reported by XXXX XXXX as Date of First Delinquency XX/XX/XXXX XXXX XXXX  Date Opened XX/XX/XXXX. 
XXXX XXXX  closed this account on XX/XX/XXXX and charged it off. 

XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX  XXXX Reported Balance {$0.00} Account Status CHARGE_OFF Debt-to-Credit Ratio N/A Payment History Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO XX/XX/XXXX 30 60 90 120 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 15 Balance {$0.00} Date Opened XX/XX/XXXX Activity Designator TRANSFER_OR_SOLD Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$1000.00} Balloon Payment Date Balloon Payment Amount Loan Type Unsecured Date Closed Date of First Delinquency XX/XX/XXXX Comments Charged off account Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX ( CLOSED  ) Summary Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX  is reporting : XXXX XXXX XXXX   XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for this dispute is because Experian took more than 30 days to respond to my dispute on XXXX XXXX XXXX account and according to FCRA it must be removed. Attach to this dispute I am providing you with : - The letter I sent them on XX/XX/2021 - Return Receipt via USPS verifying they got my letter on XX/XX/2021 - Copy of my ID and Social Security to prove my identity. - Dispute Result letter I received from Experian on XX/XX/2021 given me results of another account that wasnt even on dispute totally ignoring the account on dispute
Product: Credit reporting

As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. XXXX XXXX XXXX 's account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an XXXX I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX XXXX is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXX did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as 12 hours a day, 7 days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to XXXX and will be paid or unpaid, and I will report this on all XXXX numbers for Equifax Inc.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate and unverifiable reporting by multiple creditors and credit bureaus, despite my repeated attempts to resolve these issues. The following negative items have been disputed multiple times, but have returned as " verified '' without proper proof of accuracy. 

Inaccurate Accounts XXXX XXXX ( Charge-Off ) Account Number : XXXX Balance : {$8500.00} Credit Limit : {$8000.00} The reported balance exceeds the credit limit. Inaccurate payment history and charge-off status were found on Experian and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$19000.00} Discrepancies in last payment date and charge-off validation were noted on XXXX and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX Account Number ] Balance : {$2600.00} There are errors in delinquency and account status on Experian and XXXX. 

XXXX XXXX XXXX ( Late Payments ) Account Number : [ XXXX Account Number ] Multiple late payments reported inconsistently on Experian. 

XXXX XXXX ( Collection ) Account Number : XXXX Balance : {$410.00} Remarks : Dispute unresolved but marked as Collection on all three bureaus. 

Excessive and Unauthorized Inquiries Repeated hard inquiries made without my consent. The dates and companies of the unauthorized inquiries are as follows : XXXX Card Date of Inquiry : XX/XX/XXXX XXXX Card Services Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX ( multiple inquiries ) Dates of Inquiries : XX/XX/XXXX, XX/XX/XXXX These inquiries have not been authorized and are negatively affecting my XXXX XXXX. 

Despite my efforts to dispute these items directly with the credit bureaus, I have yet to receive satisfactory resolutions. I kindly ask the CFPB to intervene and ensure that these inaccurate and unverifiable items are investigated and removed. 

Relevant Consumer Laws Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit reporting agencies must correct or delete inaccurate or unverifiable information.

Under 15 U.S.C. 1681s-2 ( b ), furnishers of information ( creditors ) must investigate disputes and provide proper verification.

Fair Debt Collection Practices Act ( FDCPA ) : Under 15 U.S.C. 1692g, debt collectors must validate any debt if requested by the consumer.

Under 15 U.S.C. 1692e, misleading or harassing debt collection practices are prohibited. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have received zero mail, documentation, email from the company. I believe this is intentional on their part to obfuscate the fact that we have no formal/contractual agreement to pay this amount of money.
Product: Bank account or service

I have a business account with Chase and since last year around XX/XX/2015 I have been getting charged service fees. Around the same time in XX/XX/2015 I closed a savings account with Chase and since then I am getting all sort of fees. I called once customer service and they explained to me that I was getting charged since I closed the savings with them and I explained that the rep who helped me to close the savings account at the local branch in XXXX and XXXX never advised me of the fees I was going to incur by closing this savings account. The agent was able to refund all the fees at that time and told me was going to place a note on the account to avoid future fees from the bank. I am still getting charged {$14.00} a month. I tried to get the fees refunded again by talking to the branch manager at the location in XXXX and XXXX but he refused and was really rude. I have also requested a new debit card because mine was about to expire and I got charged {$5.00} for a replacement card. This bank owes me XXXX monthly fees in the amount of {$14.00} and {$5.00} for the card replaced which nobody advised me of.