23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, I wish to file a complaint with the credit card company, GE Money Bank for harassment. I am not sure who to directly contact because the debt has been sold several times over the years. I am writing because I have been dealing with this issue since XXXX. I have stated several times in the past that I do not owe the debt but every time it is sold to another company the harassment starts again. About 3 years ago a representative showed up at my mother 's address looking for me, they have also shown up at my workplace looking to speak to me. Today ( XX/XX/XXXX ) I received a call while at work from a representative on behalf of the company asking me to verify my address because they are filing a legal complaint against me. 

I confirmed my address and again explained to the representative I had been dealing with this for years and that it was not mine. I also stated " Statute of limitations in my state '' The representative then went on to explain how they legally have 15 years to try to collect from me. also stated that the company still has 5 years to try to collect on the debt for me. the representative then informed me that they were filing a legal complaint to put a lien on my house, and my paid-off vehicle, and to garnish my wages from my bank account. I then asked for information about the company so I could contact them once given the information the representative ended the call with " We will see you in court, have a nice day '' After going about my day I received a call from my ex who I no longer speak to informing me that he received a call from a debt collector, they left a voicemail on his phone about the debt. He sent me the recorded voicemail and on the phone, the same female representative was talking. The representative left a voicemail stating '' This message is for ( My full name ) how there's been a legal complaint filed against me, a reference number, and for me to call the number back. 

To make matters worse I then received a phone call from my brother that he also received a phone call about the same debt. They were asking him to verify my address and when has he spoken to me because they were looking to file a legal complaint. This is embarrassing because this company should not be allowed to discuss the reason with my family members or ex. I have been harassed for several years now and I would like them to stop. I will not pay a debt that is not mine. This company has committed false claims against me by threatening to put a lien on my property and car. I
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged twice the amount of {$28.00} for XXXX XXXX XXXX ( XXXX ) transactions processed by my American Express Card ( AX ). <P/>I never purchased XXXX for this AX which I recieved for in XX/XX/XXXX. I only had XXXX for XXXX of my old american express cards which were both cancelled subsequently. <P/>When I called XXXX, I was told that their insurance services automatically gets transferred to any and future american express card. I asked them for cancellation and reversal of at least their recent charges on an airline ticket which has not been used yet, and they offered a partial refund of {$10.00} for a service which was not requested and not used!!! <P/>I believe this is a form of fraud because every service offered with a specific card must stay with that card and not get transferred automatically to future cards without a reminder or notice sent to the customer. <P/>I never received any written notice or phone calls regarding the automatic transfer of the XXXX to my new AX card. <P/>While they treat every new card as a new credit card and scrutinize the customer and his/her credit history, when it comes to their " unrequested '' services, its automatically transferred WITHOUT any reminder or notice to the consumer. <P/>Thank you
Product: Checking or savings account

In XXXX I received a letter from XXXX XXXX credit card company saying since we had not used this card in a long time, they would be closing the account unless it was used. This account had a XXXX balance and had for years. To avoid this closing causing a lowering of our credit rating, I used it. XXXX charged was {$1000.00} The bill arrived in XXXX. Because it wasn't on our payee lists through Wells Fargo, I added the account and on XX/XX/23 paid {$500.00} on the bill. Wells Fargo processed the payment on XX/XX/23 with an arrive date of XX/XX/23. Payment due date was XX/XX/23. 
Yesterday, I received my statement from Citizens XXXX saying I had not paid on the account and that I was being charged {$29.00} late fee and that the credit limit had been lowered to {$1400.00}. Today, I called XXXX XXXX and was told that Wells Fargo had mailed a check which they received on XX/XX/23 and did not process XXXX. Thus I was late and deserved to suffer their consequences. 
First off, I could have mailed a check but chose pay digitally through Wells Fargo bill pay. 
Secondly, there was no notice from Wells Fargo that they would be mailing a check rather than a digital payment at the time I added this payee. Nor was there any follow up email or even snail mail notification of this choice by Wells Fargo. 
When I called Wells Fargo, after getting no satisfactory help from XXXX XXXX, I was told they couldn't help with this because they need to talk to my husband or he needs to be on the line to talk with me! This is a joint account from which we pay our bills. In fact, all the accounts we have with Wells Fargo are joint accounts. Per WY and federal law, I have every right to this account and all information included per the account. 
In essence, this complaint has several parts. 
XXXX ) Wells Fargo will not discuss the account with me- an owner of said account without my husband on the line!! 
XXXX ) Wells Fargo should, and must, be up front when not making payments digitally but instead sending a check when they get around to it. 
XXXX ) Wells Fargo needs to correct their error by paying for the late fees incurred due to their negligence. 
XXXX ) XXXX XXXX must be notified in writing by Wells Fargo that this was their error, not mine. We should also receive a copy of this notification. 
XXXX ) XXXX XXXX should be required to restore our credit line to previous amounts and not make any detrimental statements or notifications that would adversely affect our credit scores.
Product: Credit reporting or other personal consumer reports

I attempted to apply for credit and was denied, I was told to look over my credit report and if you find andy discrepancies to file a police report. I found two ( 2 ) unauthorized accounts on my credit report that has been reporting as collections two ( 2 ) CREDIT CONTROL SERVICE I've tried disputing these accounts and they can not provide me with any evidence or documentation that I had these accounts. I have items on my consumer report that are a result of Identity Theft and not made by any transaction related to me There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself.
Product: Vehicle loan or lease

On XX/XX/XXXX around XXXX XXXX two guys show up at my home asking if I was XXXX XXXX I told one of the guys yes, he then said that they were here to pick up the car, that I have been paying for almost 2 years now. I told them I don't know what you are talking about I pay for my car every month. next, I proceeded to call to loan company GM finance I was put on hold then transfer to a different department upon speaking to the person on the phone she that my loan was charge was back in XX/XX/XXXX by GM finance I was shocked I could not believe this was happening. I began to ask her if the loan was charged off why is GM finance still taken my monies every month, she said that payment was going to the lease and I would have to give them a total of XXXX XXXX dollars to be able to get my car out of the repo. She then told me that is the only I would be to get my car back but I would still return the car back to them. I never receive any paperwork from GM finance stating that I was behind on my payments nor informing me that they charge off my loan that I have been paying $ XXXX insurance. by Law, if an account has been charge off the company should not be still taken my payments and not apply them to my account. I should be paying a collection company GM finance. also, the account on my credit report still shows that my account is in good standing but only shows two payments on XXXX and all payment on XXXX.
Product: Credit card or prepaid card

Amex Serve prepaid has allowed an unauthorized transaction of {$2300.00} to be debited from my account on XX/XX/2019 from a merchant I have never used before. I saw the police report filled out the proper paperwork and still have not received my provisional credit I have been a customer with them for over 7 years and my VA XXXX and Social Security come here monthly they are not trying to do anything to rectify the situation
Product: Credit reporting or other personal consumer reports

I resubmitted my police report to Experian as they declined to block the fraudulent accounts in my police report due to them requesting a copy of my drivers license and social security card. I made another request with them to block fraudulent items pursuant to the Fair Credit Reporting Act Section 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete these inquires from my report as they do not belong to me and I have included my ID and the Identity theft report. 


XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX  Inquired on XX/XX/2023
Product: Debt collection

There was a hit on my credit from an account named WAKEFIELD & ASSOCIATES who flagged my account as collections. I dont know who they are. They never tried contacting me. I have no letters. No call nor voicemail from this collection agency.
Product: Checking or savings account

Chase bank states they can not verify my funds. They closed my accounts and refused to send the money in the closed accounts. I have called several times to receive the money in those closed accounts and the will release my money. I have amounts total in {$41000.00}. The bank closed my account since XX/XX/2023. I dont know what to do to get the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Checking or savings account

Bank of America opened my sons 1st account and my account. We both had fraudulent charges from XXXX and XXXX. Because my son was XXXX they closed his account and put all the remaining charges and balances on my account. I tried to reach out to Early Warning who explained to me they had received my documentation but it was up BOA to reverse the charges. BOA back office never fully communicated information to me or the bank manager at that time. I have emails and attachments for proof. This block has kept me from obtaining a checking account for 5yrs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account # XXXX XXXX XXXX  account # XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Is in accordance with the fair Credit reporting act XXXX  account number XXXX has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 a section 2 it is also a state 's consumer reporting agency can not furnish a Account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit Card account under on open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
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 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 or other personal consumer reports

There is an item listed on my credit reports that is inaccurate or out of date. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. The item, XXXX XXXX XXXX XXXX for XXXX XXXX in the amount of {$250.00} show on my Experian report, has been paid off and the company has provided a letter of it being paid in full. Considering the information indicating a Fair Credit Reporting Act violation, I need this information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately or update to paid in full. To be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). I have attached the documentation from NATIONAL CREDIT SYSTEM that they have recorded that full payment has been made on the account. Failure to respond in a satisfactory manner within 30 days or unlawful non-compliant responses will lead to legal action.
Product: Credit reporting or other personal consumer reports

I woke up to find incorrect accounts on my credit report, and I can't understand how this happened. I check my report regularly, but this time there were errors that appeared out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but the inaccurate accounts remained. I'm begging for the documents Ive provided to be carefully reviewed so I can stop living in constant fear over this.
Product: Mortgage

CrossCountry Mortgage recruiting mortgage loan officers advertising tne loan officer can make more money per product. Ie fha/va/conventional. This is an anti consumer promotion. Lenders have been restricted from selling this way.

I do not believe their policies of compensation are in compliance based upon their leading ads. 

XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Friday, XXXX XXXX 2020, an account manager from company Finance Systems in Richmond, IN ( XXXX XXXX spoke to a third party about a personal matter regarding debt that they claim I owe them. I believe the individual involved was also sharing this information with her coworkers as they somehow knew who I was before I even gave them my name. Its scary to imagine that a random number can call this organization and the operator can give them my name without my consent. I felt that this was very unprofessional and definitely a violation of the Fair Debt Collection Act, hence the reason I am submitting this complaint.
Product: Debt collection

On XX/XX/year> I received a letter to collect a debt from XXXX XXXX XXXX XXXX XXXX It stated it was for a XXXX XXXX I have not taken any XXXX  loans from XXXX. 

In XX/XX/XXXX, I called and disputed the debt with AAA Collections out of XXXX XXXX. I asked for proof of the debt and documentation I had taken out a loan. They said it was OK and they would seek the information from XXXX. I did not receive information so I called back in XXXX roughly XX/XX/XXXX +/- a few days. AAA collections said they had not received anything from XXXX yet. 

Today, XX/XX/XXXX, I opened my mail and I have more collection noticed from AAA that I need to pay them but I have still no idea of why or what its for and have not received proof. The representative told me from AAA collections that they had reached out to XXXX, but not received anything yet when I called them today.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered inaccurate data as outlined in 15 USC 16c-2. The erroneous details are harming my credit score, and I did not authorize the hard inquiries listed
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ).

I sent multiple dispute letters to Experian regarding inaccuracies on my credit report. Despite my efforts, Experian has not conducted reasonable investigations, as required by law. Instead, they have either failed to remove erroneous information or reinstituted it without justification. 

Additionally, I recently became aware of the CFPBs lawsuit against Experian for improper investigation practices. My experience aligns with the issues raised in the lawsuit, including Experians failure to properly investigate disputes and remove errors, which has negatively impacted my ability to access credit and housing. 

Timeline of Disputes : [ XXXX XX/XX/year> ] : Sent dispute letter to Experian through App . 
[ XXXX ] : Received inadequate response from Experian. 
[ XX/XX/year> ] : Sent follow-up ; no resolution provided. 

Impact on Me : Experians failure to comply with the FCRA has resulted in denial of a mortgage application, Loan denials, and denial of a car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TransUnion. XXXX I am filing a claim against these reporting agencies for falsely having wrong information on my credit report making it hard for me to have a better life. I have tried to communicate with them will not return my calls TransUnion ask for my information says it wrong so I can't get in my report
Product: Debt collection

I got a bill from HCFS Healthcare Financial Services LLC, XXXX BILLING CENTER, XXXX , XXXX, OH XXXX The bill amount is {$38.00}. 
It says that the bill is for services provided to me at XXXX. It does n't say when what kind of services. The bill does n't show which location exactly the services was provided to me, it does n't mention any city name and neither does it spell right the name of the hospital correctly. It does n't say the date that service was provided to me. 
The bill looks fake because I always get bill directly to my Hospital account. I called billing service of my hospital, the billing services told me that I do n't owe them any bill at all and they always post bill at my hospital account billing summary. They do n't send third party to collect my hospital bill. 
When I verified with my hospital billing department, they told me that they do n't have any business with HCSF Healthcare Financial Services , LLC XXXX BILLING CENTER XXXX XXXX OH XXXX
Product: Mortgage

BayView Loan Servicing purchased and/or received our loan from XXXX XXXX on XX/XX/XXXX. BayView has been attempting to collect payment from us dating back to XX/XX/XXXX, although the loan was not theirs to service at that time and our payments were made ( which we have documented proof of ) to XXXX XXXX up until we were notified by XXXX XXXX on XX/XX/XXXX that the account would then be serviced by BayView. BayView also violated mortgage law by not informing us of the change of loan servicing until XX/XX/XXXX ( also documented ). According to law, they are required to notify us at a minimum of 30 days before the loan servicing changes hands, which they failed to ever do. The fact that they are : a. attempting to solicit funds for a period of time that they did not have legal right to the servicing of our loan and b. failed to maintain the legal 30 day notice of loan servicing change notification, BayView has violated state of Tennessee and federal mortgage loan laws. BayView has now began threats to foreclose on our home that is, documented, as being up to date on all payments and the error being on their side in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$3800.00}
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX I HAVE SENT A LETTER XX/XX/2024 ASKING FOR TO COMPANY NAMED ABOVE TO DO A INVESTIGATION ON THIS FRAUDULENT ACCOUNT OPENED IN MY NAME. YOUR COMPANY NEVER SHOWN PROPER PROCEDURE OF INVESTIGATION SO HOW WAS A INVESTIGATION DONE?. THERE IS NO PROOF SO THIS ACCOUNT MUST BE DELETED IMMEDIATELY 15 U.S. Code 1692e - False or misleading representations XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

{$430.00} for capital one in the year XX/XX/2017 I was contacted to make a payment when I tried it failed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the CFPB, the required document and a letter from an advocacy group assisting me due to human trafficking debt bondage, which falls under XXXX  according to XXXX XXXX rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block and remove this information from my credit report with FOUR BUSINESS DAYS. 
Please delete the following accounts : XXXX XXXX XXXX XXXX. {$460.00} Chapter XXXX bankruptcy : Bankruptcy XXXX. {$0.00} XXXX bal. {$0.00} XXXX bal. {$0.00} XXXX  bal. {$720.00} XXXX XXXX. {$1100.00} XXXX XXXX XXXX XXXX XXXX. {$3300.00} XXXX XXXX XXXX. {$5200.00} XXXX XXXX XXXX XXXX XXXX. {$5300.00}