23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer did not consent too nor authorize these inquiries that are reporting to my EQUIFAX consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from EQUIFAX. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Equifax sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Equifax an identity theft report via XXXX certified mail. How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. EQUIFAX humiliated me to the public and damaged my reputation. Equifax decreased my score because of those inquiries that have no connection to me. If EQUIFAX can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Equifax let concur on my consumer report. EQUIFAX stole my identity and sold my private information without prior consent. I have a right to privacy and Equifax violated my privacy
Product: Debt collection

Repeat calls throughout the day on cell phone and home phone. All they did was use another phone after I reported them before.
Product: Debt collection

After mailing a certified letter to the company requesting validation of debt, the company responded with copies of a past-due bill. Portfolio Recovery Assoc. did not send me copies of any proof showing I opened the accounts nor a complete account record. Nothing baring my signature or anything. They only sent a past-due bill which isn't what I requested. In my recent complaint, Portfolio stated that they had business records showing that I opened these accounts but never produced those records to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX ( XXXX  XXXX ) Address : XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX Collection Agency Name : XXXX XXXX  ( XXXX XXXX XXXX  ) Address : XXXX XXXX XXXX XXXX, XXXX XXXX  Collection Agency Name : XXXX XXXX  Account Number : XXXX Collection Agency Name : XXXXXXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Account Name : XXXX  XXXX, Account Number : XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Mortgage

I, XXXX XXXX, took out a Home Equity Loan with XXXX XXXX who sold it to Wells Fargo in XX/XX/XXXX, in XX/XX/XXXX, Wells Fargo started to make it very difficult to make a payment of {$580.00}. and would take 2 weeks to post, I contacted Wells Fargo XX/XX/XXXX and XX/XX/XXXX for a copy of the loan documents which I was told in the mail yet never received. I began to notice that my payment was being applied towards unapplied or other charges and inspection fees, I sent in multiple payments in excess of {$1000.00}. and still were not applied. Our divorce Judge XXXX and 2 Attorneys stated loan was toxic as it was our largest asset. I retained an attorney when my ex wife XXXX XXXX XXXX and I were served foreclosure papers. The documents attached were not the documents I signed at the dining room table with only a notary present, in XX/XX/XXXX our attorney was suspended and Wells Fargo swooped in and while Wells Fargo was in contempt and a substitute Judge XXXX did not honor the motion for a 1 hour trial, denied continuance due to tired of attorney suspended excuse ( 3 attorneys were suspended ) and I could not retrieve file box until 3 days prior to hearing and ruled in favor of Wells Fargo who added an erroneous escrow account in the amount of {$67000.00}. I paid cash for the property in XX/XX/XXXX and the loan to value was so low I had an escrow waiver. XXXX XXXX, XXXX did not file an appeal or provide court reporter I requested and paid for. I overpaid Wells Fargo {$15000.00}. the year they foreclosed and provided proof all escrowed items were paid and filed all proof of payments and statements at XXXX   case # XXXX XXXX XXXX, the statements showed a {$42000.00}. escrow overage however after filing for bankruptcy in order to buy time and paying {$27000.00}. In monthly payments, a hearing was held due to Trustee not posting a payment and XXXX XXXX XXXX, XXXX XXXX, XXXX did not show up and were later told he no longer worked there and the Judge XXXX XXXX said to just re file form after I showed proof of payment. I inadvertently filed the wrong form and Wells Fargo is now AUCTIONING my property of 21 years on XX/XX/XXXX with starting bid of {$330000.00}. and changed loan servicer plus added more fees, I am a XXXX year old veteran who will be out on the street when I paid for everything and proved it plus my XXXX daughter and XXXX adults have no where to go after ex wife and I spent everything {$120000.00}. In legal fees knowing we did all the right things, never had a problem before and We paid Wells Fargo, they refused to acknowledge this, never tried modifications as stated, changed court documents after judge signed and are stealing our home.
Product: Money transfer, virtual currency, or money service

Order XXXX On XX/XX/20 I returned a compact 1.5 cu ft dryer to XXXX XXXX on XXXX XXXX XXXX XXXX in XXXX XXXX, NV. XXXX. Supervisor XXXX & cashier XXXX, whose name is on return receipt stated my having closed Paypal account after purchase on XX/XX/20 would not place return in limbo. Today, XX/XX/20 XXXX stated refund landed at Paypal who refused to issue to my bank. This is theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX
Product: Bank account or service

I have been with TD bank for over nine years and have personal and business direct account with them. This was regarding by business account. I own a laundromat and that is a cash business, I deposit over {$12000.00} a moth in this account and TD bank charges a fee if it supposed {$10000.00}. One of the bank employees offered to help me set up my account so I avoid that fee. 
She had made a mistake how she set my account, she has set up my account that I should have {$40000.00} in my account minimum ( which is how much a receive from my business in the whole year )!! 

As a result of this, I have been charged maintenance fee of {$30.00} a month for 15 months. From XXXX XXXX to XXXX XXXX. 

When I brought this to the attention of the bank manager XXXX he admitted that they made a mistake BUT because I took so long to notice their error he was ONLY going to refund HALF of my money! They charged me over {$450.00} and only gave me back half. I filed a complained to TD bank customer service and did not get enywhere the manager only returned half. I think it is completely UNETHCAL for TD Bank to get paid for the mistake they did on my account and they should not be paid for it! 
I would like a full refund and my my account restated the way it way before it was tampered with ( at {$500.00} minimum at my account which was their promotional offer when I opened an account with them! 
After it was tampered with I have lost this promotion and now I have to minimum of {$1500.00} on my account ).
Product: Credit reporting or other personal consumer reports

I recently reviewed my XXXX consumer profile and found a hard inquiry from a " non-account '' holding creditor named XXXX XXXX on XX/XX/2023. I did not give permissable purpose thru verbal or signed written consent to view my consumer profile. This may be a case of predatory tactics used by some auto dealers without the consumers authorization. My biggest issue is XXXX XXXX viewed my Lexis Nexis consumer profile while it is under a " Security Freeze '' and furnished data to my XXXX profile. Lexis Nexis violated my consumer privacy rights by allowing XXXX XXXX to view my consumer profile as shown in the disclosure of data furnishers sent to me by XXXX XXXX. I contacted the XXXX consumer reporting agency to dispute and delete the unauthorized hard inquiry but with no resolve from XXXX. This unauthorized inquiry is suppressing my ability to obtain credit and is affecting my mode of living.
Product: Student loan

I'm unable to speak with anyone, always on hold, there is no way for me to pay extra on my principal and every time I pay extra, it shows I've over paid and my next month 's payment is less. I've paid more and my balance continues to rise. I want to get a head on it and there is no way. I'm XXXX XXXX XXXX and will XXXX with this debt it I can't pay extra. When XXXX XXXXXXXX started back, i sent an email requesting information and 6 weeks later, i received an email they was reviewing my email. I never got an answer. Extremely frustrated.
Product: Credit card or prepaid card

I went to the Chase branch in XXXX in XXXX XXXX in Florida to sign up for XXXX credit cards. XXXX business credit card XXXX Chase XXXX XXXX XXXX and XXXX personal card XXXX Chase XXXX XXXX XXXX. Promotion said that in order to get XXXX points for the business card and XXXX points on the personal card I need to apply in the branch. So I did. 

I applied with the branch representative first for the business card and while she was typing in the data for the business application I was asking about the personal application too. She told me that as long as I apply in the branch, that I will get XXXX points offer. I asked how the process for that goes and she said that I can either wait for her to finish so she can take the second application or that I can start the application online and she will make sure it goes to the proper channels so I get the bonus. 

I got approved for the business card and got my XXXX points but I did not get XXXX points on my personal card. Explanation chase gave me about this ( 3 months later by the way ) is that my application although done in the branch was supposed to be initiated in the branch in a special way, something that the banker who took my card application did not do. 

I tried to talk to the Chase marketing department about this but they refused to honor the promotion. 

I have XXXX credit pulls at the same time on the same day done by Chase.
Product: Credit reporting or other personal consumer reports

I followed your instructions to contact the company responsible for placing this inaccurate charge-off account on my credit report. However, despite my efforts, the furnisher did not respond to my inquiries. 

I am writing in response to the verified no change letter I received regarding the charge-off account on my credit report. 
XXXX XXXX Account Number : XXXX Reason : Payment history is completely inaccurate across all 3 credit bureaus.

Instruction : Please Update to Pays Account As Agreed XXXX Account Number : XXXX Reason : Under 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy Instruction : If you can not provide a 1099c as this account is written off, Then please delete it. 
XXXX  XXXX XXXX Account Number : XXXX
Product: Student loan

my Sallie mae loan has now gone into forbearance for my co sign and not myself. when i first got out of college I struggled bad to pay my student loan but now I am willing to pay but the loan company that took over the Loan XXXX XXXX XXXX XXXX XXXX XXXX ) does not answer my calls or emails I have been trying to set up payments but they have now taken funds out of my cosigners check. Please help me in regards to this loan because my co signer is now unemployed and they were taking funds out of her final paid leave checks
Product: Debt collection

This company has added this account to my credit reports. XXXX, XXXX, and XXXX. I have never received any communications from this company. I have no idea who they are. I have no dealings with them. Never heard of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted XXXX 5 times in since XX/XX/XXXX regarding inaccurate balances on several of my accounts. I also reached out to the account lenders who stated they provided the information to XXXX. They keep sending me around in circles until I also submitted a dispute. Still no reason for inaccurate balances on my report. Also, one account per the Fair Credit Reporting Act should have been removed in XX/XX/XXXX but they are misreporting dates of last payment without fixing and reporting it still on my current credit report.
Product: Checking or savings account

I recently had fraud on a bank account, that I have had with this institution for over 6 years. After going into a branch and speaking with a senior banker, about the fraud that occurred I was told that the account will be closed and I did not have anything to worry about. The talk with the banker happened XX/XX/2020 at XXXX and I was given a brand new account number ( called a Virtual Wallet ) and debit card to accompany the account. I walked away as a satisfied consumer until yesterday, XX/XX/2020, when I woke up to my brand new bank account with a XXXX balance and frozen. So I called the customer help line ( XXXX ) at XXXX est, spoke with someone named XXXX XXXX who was only able to tell me that I need to go into a branch. Apparently, the account that had fraud associated with it has not been closed. I was not contacted on my account ( Virtual Wallet ) and funds being frozen and inaccessible, as this is a huge inconvenience for me being the head of household for my child. The bank has not tried to contact me, neither written or verbally, to explain what has happened to my new bank account that I opened. Now, I am without any funds for supporting my child in the meantime ; until I am able to get more information after work. I was misled when I left that branch with my new account and bank number ; PNC is committing legal abuse and has caused severe damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from Advanced Resolution Services , Inc. ( ARS ), XXXX XXXX XXXX, XXXX, AZ XXXX. They informed that between XX/XX/XXXX and XX/XX/XXXX, the following information was added to my ARS consumer report : At least XXXX occurrence ( XXXX ) of unauthorized card use If I would like a copy of the ARS consumer report I must send a written request that included a copy of the letter and : Full Name Social Security Number Proof of Identity ( my case a copy of my Driver License ) Address Phone Number They attached a form for all this information to be added. 

I called on XX/XX/XXXX and was told they have to have all this information with my signature in order to give me a copy of this report. 

Who in their right mind would provide all of this information to any company asking for this and to be sent via mail? 

I have not had ANY occurrences of unauthorized card use nor have I reported such. 

I understand this is a legit company but their website is very vague and to ask for such sensitive information to be sent via mail in order to obtain the information that they are accusing me of is not right and to publish this incorrect information on my credit report is WRONG with the only option of not having it published on my XXXX  is to provide this info. Since they sent me a letter letting me know they are going to have this placed on my XXXX  report, don't they already have my XXXX number?? This is information that should be readily available to me with all of the identity theft going on. Very scammy
Product: Credit card or prepaid card

On Thursday XXXX XXXX I checked my bank account and realized the Bank of America had double pulled the statement balance on the credit card I hold. Therefore I was carrying a negative balance. I called and talked to a representative on the same day. She took my account and routing numbers and assured I would have the money back in My account in XXXX business days. On Wednesday XX/XX/XXXX I called back because I had not received the money back in my account. The representative proceeded to tell me the transaction takes XXXX business days to process. They also would not tell me the reason the money was double pulled from my account in the first place. I then called back again on XXXX XX/XX/XXXX. I had noticed that I no longer had a negative balance on the Bank of America credit card and I had not received my money back. The representative told me the transfer had not been processed yet. I reconfirmed the account and routing numbers and the bank had them wrong. I had confirmed them XXXX times with the first representative. I reconfirmed the numbers again. The representative told me they could not do anything until the first numbers did not work. It is XX/XX/XXXX and I have still not received my {$1000.00} that Bank of America owes me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 I submitted a dispute through the mail for accounts and also inquiries that were fraudulent and showing on my credit report. I would like these items to be reviewed removed and blocked. As a victim of identity theft and because of these unauthorized accounts I am unable to obtain legitimate accounts for myself.
Product: Credit card or prepaid card

BANK OF AMERICA REFUSES TO CALL ME BACK. THAT ARE CHARGING ME 30 % INTEREST. THEY HAVE CHARGED ME {$700.00} AND FEES AND L/C. I HAD A REDUCTION OF INCOME AND CALLED THEM A FEW WEEKS BACK. THEY REFUSE TO WORK WITH ME. I WAS STRICKEN WITH THE XXXX  XXXX AND HAD A XXXX XXXX. IN THE MEANTIME THEY KEEP ON CHARGING ME FEES AND INTEREST AT 30 %. THERE SHOULD BE SOME TIME OF CARES ACT FROM THE GOVT THEY CAN HELP ME WITH AND REVERSE THE FEES AND STOP THE BLEEDING ON INTEREST AND FEES
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and the companies responded. They deleted and blocked some of the fraudulent items but there are still fraudulent items remaining on my credit report. I submitted a complaint again last XXXX XXXX and XXXX, 2023 and again it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.