23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In early XXXX I spoke with a woman at paragon revenue group after receiving multiple calls while I was at work. I told her that I was at work and it was not a good time and requested that she call me back after I leave work. She got an attitude immediately, telling me that she wouldn't be calling me back and I have to call her back unless I want to go to court. This woman is the same one I've spoken with several times and every time she has been rude and uncooperative with me in regards to making payment arrangements, even threatening to send me to court because I had no money at that time and was unable to start the payments. After me telling her that I was at work and unable to continue the conversation, I still received calls during my work hours. I made it clear that I am only able to answer my phone during work hours for emergencies. Today I called to make payment arrangements as I am finally able to. A gentleman answered the phone and at first was very helpful until he realized that I wouldn't be paying the full amount. He was very condescending to me during the creation of the payment plan, huffing heavily when I told him that an amount he suggested wasn't financially feasible. After we finally came to an agreement on an amount, I asked for an email or a letter just stating that we had made the payment arrangement. The gentleman became very condescending, even going as far as to laugh at me and tell me that " thats not something they do '' When I asked if he could at least just type me an informal email saying that a payment arrangement was made today with a payment made today and he laughed again and said " Do you know how many hospitals we deal with? How many patients every day? '' At which point I was so disgusted by his flippant behavior, I simply wished him a good day and hung up. We are in the middle of a global pandemic with unprecedented mass unemployment rates ; to use such tactics and attitudes when dealing with a consumer is absolutely abhorrent. If they spoke to me like this, I can only imagine how they've treated those who have lost their job and have debts. A quick XXXX search of the company revealed 86 reviews with a one star average. Reading some of the reviews, their business practices are absolutely ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting companies are reporting my last car payment to XXXX XXXX reflects XX/XX/2019. I have payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2019, all of which are above the minimum amount due. These payments would of course reflect positively on my credit score!!
Product: Money transfer, virtual currency, or money service

I am filing a another complaint against block/cashapp and hopefully a lawsuit against block/cashapp and report with the CFPB and FTC federal trade commission regarding the unauthorized transactions and the unethical practices cashapp/block used after I submitted my original complaint to the FTC and SEC and CFPB for FALSELY violating their terms and procedures. 
And since then not returning {$14000.00} dollars to my account in unauthorized transactions. Also making over two hundred false transactions between me and another cashapp/block user so they wouldnt have to pay/regund me back the amount. 
In my original complaint against block XXXX and also cashapp XXXX they didnt refund me for unauthorized transactions and then somehow made up OVER two hundred false transactions between me and another user that has been reported by me totaling over {$13000.00} XXXX dollars. Which doesnt reflect on my actual statement. They thought that it would Go unnoticed after my original complaint.
Product: Debt collection

I have asked AFNI Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Checking or savings account

On XX/XX/2023 I received an email stating I had opened a bank account with Bank of America. Thinking it was a mistake i ignored it. Received a second email that my account was approved. When that email came in I proceeded to call Bank of America and have a conversation with someone. They explained they would close the account that was open with my exact information since it was not authorized by me. On XX/XX/XXXX the exact issue happened again. This time when speaking to the agent I asked if this was a Bank of America issue and she claimed it was a worldwide issue once again closing the account but advising me to pay for credit monitoring, which I did with XXXX. After months of monitoring I was forced to cut cost and that being one. In the time I had the service my personal information was never attempted to be used anywhere else. Overnight XX/XX/2023 once again I am receiving emails from Bank of America and Merrill XXXX a Bank of America system as well discussing online banking and a new application. This is a BANK OF AMERICA issue! They themselves are behind this and I want my information removed from their system immediately before legal action is taken and a call to all news stations.
Product: Credit reporting or other personal consumer reports

i informed equifax on my previous complaint XXXX that they are reporting a late payment from bank of XXXX XXXX XXXX " The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, passed by congress and signed into law on XX/XX/year>, contains a provision explicitly addressing the FCRA. Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 USC 1681s-2 ( a ) ( 1 ) ) '' please remove this late payment as i was impacted by the coronavirus pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

around XXXX/XXXX/2015 my account was low on funds and i desperately needed to feed my kids for the day. i wrote myself a check for {$20.00} and deposited in the atm. I knew that my direct deposit would be in my account by the next morning. by the next morning the bankn had closed my account, reported me to XXXX as fraud and an unpaid balance. when i went into the branch to find my paycheck and to see what happened they said the account was closed. The {$20.00} as paid at that time so i dont owe them a balance and i dont feel i should have been put in XXXX as fraud. i have tried repeadily to get this corrected and no one seems to know who supposed to speak to or call. as a result of this i can not open a bank account anywhere. i have talked to customer service, risk dept and branch personel and gotten no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's website is complete garbage when trying to freeze or unfreeze a credit report. 

I spent time online trying to figure out if my report was frozen or unfrozen in its current status by trying to freeze or unfreeze but it would fail and tell me to mail my information to their office. Physical mail for this is outdated as its not needed for XXXX  / XXXX. 

I tried calling them multiple times. Sometimes the line got cut. Many times, I got transferred around. Eventually, I was able to reach someone who tried freezing it and ran into errors and said to call an hour later. I called again later and they were able to freeze it. I asked them to kindly wait on the line while I try adding a temporary unfreeze window on their website as I have had issues with the website and they said they can not wait and hung up. 

I tried unfreezing it temporarily online afterwards and again, it did not work - it asks me to mail my information to their office. 

In general, their online website is garbage for figuring out if your report is frozen or not and for actually freezing / unfreezing it. Their phone support is quite garbage too because they redirect you a lot and do not seem actually interested in ensuring the consumer is satisfied ( they would not wait for me to try a temporary unfreeze online which takes ~1 minute ). 

If you want to use the lock feature, I am sure it works well ( so using locks instead of freezing ), but you have to pay them ~ {$10.00} a month. 

In general, experian feels like an evil company that could use some reform, especially with their website and freeze functions on the site. 

All of this occurred over the course of XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company on several occasions to have these items from from my credit report as the accounts was part of a litigation. The credit bureau have not investigated the account and sent letters within days saying that all the information was accurate. The account are from The general insurance, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Alabama XXXX all on my Equifax report. XXXX credit on XXXX. XXXX XXXX  of XXXX
Product: Credit reporting or other personal consumer reports

I sent off certified letter on XX/XX/year> to the reporting dept collector Hunter Warfield asking for validation on account XXXX that competent evidence bearing my signature showing that I have ever had some contractual obligation to pay Hunter Warfield thats reporting acct XXXXThe original creditor The Residence of XXXX XXXX XXXX this account as being charge off and written off. I never received a 1099-C form which is Cancellation of Dept or was I notified this dept was being sold off.Under law 15 USC 6802 Obligation with the Respect to disclose of personal information also 15 USC 1692e False or Misleading Representation and section 623b Violation of the Fair Credit Reporting Act also section 807-8 Violation of the Fair Debt Collection Practices Act. I ask for this account to be removed immediately
Product: Debt collection

ASG collections keeps calling my phone as many as 9 times a day for a XXXX XXXX. I am not XXXX XXXX and this is not his phone number. This has been happening for 2 years. I have requested many times for them to remove my number. I filled the request online with ASG to remove my number. The past week they are calling more frequently and even sent me text messages. This is not my debt and not the correct phone number. I so exhausted of all these calls. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : 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 Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XX/XX/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, credit repair services, or other personal consumer reports

In my original investigation request sent XX/XX/2021 I asked Transunion to delete anything that is not 100 percent accurate. They responded saying that all of my accounts were indeed correct and verified. How is it possible that TransUnion, XXXX, and Transunion all verified the accounts I inquired about as accurate, but they all have inconsistencies in the reporting? After that, I sent a letter on XX/XX/XXXX asking for Transunionto please remove the accounts below from my credit report because I still found inaccuracies in each entry. I also provided proof of the inaccurate reporting along with my letter. Instead of deleting the information as requested, they updated their file, which is against the FCRA. This is my 3rd attempt to remove the inaccurate accounts that Transunion stated was verified and correct.
Product: Credit reporting or other personal consumer reports

have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Vehicle loan or lease

I have a auto loan through united finance in XXXX, OR that I was the the CoSigner for my uncle. After six payments it was supposed to transfer in his name and they would not. Shortly after the engine ceased and it had to be sold, and he could not make the payments. At the time I was going through financial hardship and could not make the payments. I was also young and did not know much about credit.
Product: Debt collection

In fall 2014, Caine & Weiner ( C & W ) contacted me about collecting a debt associated my previous employer. After receiving the initial communication from C & W, I sent a letter in response requesting full documentation of the debt in question, since it was unclear on what the debt was and why it was being collected. C & W responded by providing some information, but not enough to explain the debt. 

On XXXX/XXXX/14, I requested additional information and, after receiving no response for several weeks, called C & W to inquire about the status of my request. My call was returned by a C & W employee who indicated that he had no intention of providing any additional documentation, despite the obvious lack of support for the debt. Further, the employee 's tone was hostile and threatening. 

I have since been discovered that Caine & Weiner has also taken action with several credit reporting companies including XXXX, and XXXX with regards to the account. 

The fact that Caine & Weiner knowingly ignored my request for additional documentation while simultaneously reporting negative information to credit reporting companies constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act.
Product: Debt collection

I received a letter from XXXX XXXX XXXX on XX/XX/2021. XXXX XXXX XXXX are debt collectors attempting to collect a debt on behalf of Capital One Bank ( USA ) NA. I have not received any goods or services from XXXX XXXX XXXX and I do not know how they received my personal information. 
XXXX XXXX XXXX do not have a permissible purpose to contact me at all in regards to anything. I am not a party to whatever agreement they have with Capital One Bank ( USA ) NA. I did not agree to pay XXXX XXXX XXXX or Capital One Bank ( USA ) NA any fees for anything.
Product: Student loan

Please see the attached documents including a letter addressing all issues and concerns regarding the loan, documentation, emails, etc. that describes my transaction from 2006 to present. 

Thank you for your time and consideration, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to XXXX with police report attached current bill and my drivers license. All I get is account has been verified in every letter. According to my recent credit report request. All ask is send me proof from the creditor that I authorize these credit pulls on my file. There are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification. The following inquirie are a result of ( IDENTITY THEFT- ). 
This company I assure you did not have my permission or neither have they obtain my signature or valid drivers license to pull my credit. If so I would like for them to produce such documents in reference to this inquire pull on my personal credit. I AM REQUESTING FOR XXXX  TO REMOVE THE INQUIRY IF THEY CAN NOT PRODUCE PROOF TO WARRANT THE INQUIRY ON MY PERSONAL CREDIT FILE.
Product: Credit card or prepaid card

I was incarcerated under a alias and upon my release I explained to the facility thats I needed to have the prepaid card put in my given name, the card was placed in the alias name! I made a purchase in my given/birth name and when I inquired about the purchase I was asked who is XXXX XXXX , I responded that it was me! The advisor said they had to lock the card because it was in the name of XXXX XXXX! Theyre the same people ( Me )! I contacted the card company ( jpay ) I was asked to send information and was treated badly! Im just trying to get my money off of the card and be done with them!
Product: Credit reporting or other personal consumer reports

Mail in certified letter XX/XX/XXXX Bureau have yet changed the date of birth XX/XX/XXXXXXXX XXXX Thats not mine on XXXX XXXX. Ive sent in ID packets with passport and drivers license. Have yet got my birthdate, correct. Also XXXX XXXX XXXX account XXXX. They have yet cleared this off of my credit report he wrote out charged off.
Product: Debt collection

I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
XXXX XXXX XXXX was opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX -Jefferson Capital System of {$1400.00} date opened unknown.

I did not open these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance Corp Alleged date opened XX/XX/XXXX Original balance {$5000.00} Settlement payment {$580.00} Paid on XX/XX/XXXX Alleged date of first delinquency XX/XX/XXXX Alleged date of last payment XX/XX/XXXX This account was for an auto loan. The vehicle I had I had asked Credit Acceptance to take back. A repossession was not necessary but they insisted. Upon settling this account I was PROMISED a " courtesy delete '' upon my settlement payment and was told the account would be removed from my credit reports in XXXX days. It was never removed as PROMISED!! Also I do not believe this Creditor is reporting correct information and historical information is missing. The creditor couldn't even verify my address when I contacted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the companies last week XX/XX/21 and they said there was nothing that they can do.I also called and put a freeze on my credit. Someone has been applying for credit cards and accounts using my information. Like the bank of Missouri for example I dont even live in Missouri!!! Please help me take these inquiries off my credit it dropped my credit 83 points! Also companies like capital one several times and XXXX credit card and XXXX XXXX XXXX  a loan office. Please help me to take these off I did my part and contacted all companies and also sent letters. I was told theres nothing they can do to help me fix this. So this is my last and only hope! Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to the Transunion regarding a personal information error on my credit file with regards to employer. I have also provided the name of the company and the official registration and seal of the company active status from the State of Florida. These information was sent by registered mailed, which was collected and claimed to be corrected, however the company name given is still shown as XXXX. The correct information is XXXX XXXX XXXX XXXX XXXX. This is personally affect my application status for additional credit and any application for loans. I have spoken with customer service representative at Transunion, who indicated that the file was updated. i have also copied your organization on this matter and the issue is not resolved. This is unacceptable and poor service from both organization. Please have this issue resolved immediately. 
Also another issue I have is that i am using the given numbers provided by XXXX services to remove a security freeze on my credit report. the service is extremely poor, after providing the information, its rerouting me online to get pin to resolve the issue. numbers given on are XXXX and XXXX.