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

In accordance with the fair credit reporting act, these companies XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

-My ex-wife filed for bankruptcy on XX/XX/XXXX. 
-I was notified via mail on XX/XX/XXXX ( see attachment ). 
-I co-signed on a XXXX XXXX XXXX  credit card for her while we were married. This card was to be used for the children. Each person was responsible for their own charges on the card. Charges relating to the children were to be split. This statement is documented in our divorce decree ( see attachment ). Divorce was finalized on XX/XX/XXXX. 
-I was never asked for any payment from her in regards to the kids, nor was I ever informed about any charges made in regards to the kids. 
-I have tried to mitigate this issue myself by speaking with XXXX XXXX XXXX  on numerous occasions over XXXX. I requested statements to view the charges and I requested a copy of the original signed application and was denied. They refused to supply me with any paperwork. 
XXXX XXXX, XXXX I hired a legal representative to assist in this issue ( see attachment ). XXXX XXXX XXXX  refused to work with the law office as well, and stated that the law office would need Power of Attorney in order for them to release any information. The response letter from XXXX XXXX XXXX  sent to my lawyer was not addressed to me, rather it was incorrectly addressed to my ex-wife ( see attachment ). 
-My credit report shows a derogatory mark because of her bankruptcy. 
XXXX XXXX XXXX XXXX  account number with the derogatory mark is not the XXXX XXXX XXXX  account I co-signed. 
-I do not have any connection or affiliation with the XXXX XXXX XXXX  account that reflects a write-off. 
-I did not authorize or co-sign on another XXXX XXXX XXXX  account. 
-I respectfully request that this derogatory mark be immediately and permanently removed from my credit report and reflect equally at all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is appearing as a credit line and it is not a credit line. The research I 'm doing shows that it might be a judgement. This should n't be appearing as a debt. There was no line of credit given to me or anyone.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Product: Debt collection

Sent to collections in 2021. At the time I had medical insurance. Tried to settle the account but agency would not settle.
Product: Debt collection

Hunter & Warfield is reporting on my credit as a {$5300.00} debt. Called Hunter & Warfield multiple times who tells you to speak with XXXX XXXX XXXX. Spoke to someone on XX/XX/year> who verified my information & told me they would mail me a statement showing current balance which they stated the balance was {$290.00}. Called again on XX/XX/year> and another request was but in to email and/or fax the statement. Called again on XX/XX/year> and spoke to XXXX ( supervisor ) who stated I couldn't get the statement information because I'm a co signer on the account. The owner is in the military but the debt is reporting on my credit report incorrectly & I have the right to have it removed. They took all my information ( everything is on a recorded line ) and still will not give me the information.
Product: Credit reporting

XXXX XXXX XXXX was Deleted because I disputed them on late payments to all XXXX credit Bureau. I disputed them because I was never late on a payment so they removed my history and I have been turn down for new credit card to transfer balance and new line of credit due to no credit history insufficient credit history not enough credit information from my own XXXX XXXX and XXXX who I am a active member now. My loan with XXXX XXXX was for 5 years the loan has been pay in full. God bless you and your Family!
Product: Payday loan, title loan, or personal loan

In early XXXX way prior to my due date, i wrote in writing an ach revocation on my bank account to cash express. On XX/XX/XXXX they pulled the money out anyway after I sent in the revocation. There is no way I can speak to someone other than the people that work at that location about it and was told that I have to come in and turn off the ach. I made it very clear in writing per the contract specifically said to do.
Product: Debt collection

In XXXX, XXXX I received a collection for 1200 something dollars so i began to dispute it. Next time i checked my credit report it was gone, but XX/XX/XXXX the collection reappeared. I contacted to original creditor that was listed on my report and was told they couldn't help me, that i needed to contact the collection agency. I continued to do so and recieved very unprofessional rude service. The account they reopened has a amount of XXXX XXXX When i spoke to them they claimed i owed pennfoster, i was confused because it was a pay as you go course cancel anytime which i did. They only required you pay in full once completed in order to recieve your diploma, which i never recieved because i never completed it and canceled. For one the course was XXXX $ so i don't know why their claiming XXXX XXXX I never signed any paperwork for said course, it was only required upon completion for the diploma. This was not a loan. I never recieved anything from these people. They admitted to me they open multiple accounts for this same debt. I just sent out a validation/verification letter to the agency on the XXXX of this month. If you could please assist me it would be much appreciated!! Thank you for your time!
Product: Debt collection

Date XX/XX/XXXX amount # XXXX I.m taking action toward the company and dispute that amount debt now... ..i dont owned closed .... Account in XX/XX/XXXX ....
Product: Payday loan, title loan, or personal loan

Due to the pandemic, I have been making budgets to ensure on-time payments for my bills. On XX/XX/2020 @ approx. XXXX XXXX, after reviewing my Personify Financial bill, I contacted the company. I was disturbed because when I reviewed my statement on line, I discovered that after 12 months of paying this bill, I still owed more than I borrowed. 
I thought it was a mistake so I contacted Personify Financial at XXXX XXXX XXXX XXXX. My account number is : XXXX. I have attached my Loan Details page, Payment History Page ( 2 pgs. ), and Original Amortization Schedule. ( 4 pgs. ) I was informed by a young man with an accent that the call was being recorded ; so I'm sure they will have a record of the call that was made. I inquired about why the loan was still reflecting more than I borrowed, he responded that my interest rate was 99.5 %. Of course I was shocked, I accept this error because I did not know until today. I then informed him that according to the loan details the int. rate was 97.47 % ( still borderline XXXX  ) He then informed me that int. rates were reduced based on payment history. I asked him who I could talk with to have the int. rate reduced, he told me that my contract would not allow the int. rate to be reduced, after previously telling me there was a way to have the interest reduced. When I inquired again for an explanation as to who to contact to negotiate a reduction in the interest rate, our call was disconnected. Please be advised, my account is in excellent standing, no missed payments and I have no intention of missing payments. This ( not knowing the interest rate ) is a big mistake I made, not paying attention to detail. If possible, can CFBP inquire on how I would negotiate with the company for my interest rate to be reduced. If this is not possible, I would also like for others to know to please read the terms of online loans especially with Personify Financial ; before agreeing to them. When signing for this loan, I did not realize the interest rates were almost criminal extortion or I would not have taken the loan. Thank you for your time and consideration.
Product: Credit reporting

I have disputed the validity of a debt in writing over four times requesting proof of the alleged debt, and to date the credit bureaus as well as XXXX XXXX has failed to provide me with a copy of the bill so that I may adequately dispute the charges. The credit bureaus response continue to be " the debt has been validated '' however no proof of how they came to that result has been provided.
Product: Credit reporting or other personal consumer reports

I am formally disputing the unauthorized credit inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b, you are required to ensure that all inquiries on my report have a permissible purpose. I did not authorize the following inquiries. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting a collection account in the amount of {$40.00} for XXXX XXXX XXXX. They are reporting the debt twice on my credit report. This is not my account. I have disputed this item several times with the credit bureau.
Product: Debt collection

I have no knowledge of this debt to Waypoint has reported on my credit report in XXXX in the amount of {$330.00}. It was to be removed and it has been removed from all reports except for XXXX. It is now increased to {$670.00}. I have no knowledge whatsoever of this. They have never contacted me via mail nor phone. This is damaging my credit score and this is not a debt I owe. I want this removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not accomplished anything as long as you keep my credit score so low. Im very hard working and not lazy but Im imprisoned by my credit score
Product: Payday loan, title loan, or personal loan

I'd like to report a complaint against TD Retail Services for mishandling the repeated requests I made to resolve late payment issues that has resulted in multiple delinquencies on my credit report. I purchased XXXX phone in early 2019 on a XXXX which I arranged to pay via Autopay from my TD checking a/c. First few payments went ok with no issues, and then auto payments stopped without my notice. A month I received a strange letter stating that my payment was due. The letter was strange because it was not on a good quality paper, and had no logo or credentials on it. So I ignored it, until i started getting recurrent letters in my mail every week. I contact TD customer service and told them the issue I was having, the TD agent asked me email her a copy of this letter. I was put on hold, and the agent said that this letter definitely looks like some kind of shady scam, so she asked me to ignore these letters, so I did. 4 month later I had collected so many of these letters that it worried me and called up the number of that letter but got no response. Then I called TD but got no resolution. Few weeks later, I received a voice mail asking me to pay {$440.00} else they will send me to collections. At that point I had no choice but to pay in order to avoid a ding on my credit score. I called TD bank and requested for explanations repeatedly, but got no response. I emailed to TD executives multiple times but they never bothered to respond to me. Then, I filed a complaint to TD Ombudsman and i got a response. The TD Customer Care Advocate III responsible investigated my complaint, which I now call very superficially and told me that all my claims are baseless and that TD is not at fault but I am, for ignoring those letters. When asked to look into the conversation record, my request was outrightly denied and upon further pressing, the same TD employee told me no such phone record exist and thats when she stopped responding. Coming from TD 's President 's office employee that " no record of such conversation exists '' is a complete lie. I have paid {$440.00} as late fee and my credit report is affected because of irresponsible and ignorant actions of one TD customer care agent. I have no trust left in TD Bank and any of its services and all I care for is to get get reimbursed {$440.00} so I can close all my ties with TD Bank. Employees from TD President 's Office have shown nothing but arrogance and power to overrule my complaint. I regret being associated with such horrible bank service and hereby request your office to kindly intervene and help me get a justified resolution to mycase. Any help from your office will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

Acura Financial Services ( Acura hereafter ) placed calls to consumer in a debt collection role with the intent to harrass, abuse and annoy in violation of 15 USC 1692d. These calls also include language of an obscene nature ( screaming at consumer ) and calls from individuals who refuse to meaningfully disclosure their identity. Acura placed calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - a total of 4 calls. These calls contain threatening language including yelling/screaming at consumer, in addition to false statements- specifically that Acura owns the property known as XXXX Acura XXXX. Each call itself, is a violation of 15 USC 1692d at large, consituting 4 federal law violations. The content of each call includes further violations of the law, specifically : 15 USC 1692d ( 1 ), ( 2 ), ( 3 ), ( 5 ) and ( 6 ). The consumer has attached 2 audio recordings from XX/XX/XXXX which verify threatening call which includes false statements and proof of refusal of caller to meanigfully disclose identity. ( other evidence can not be submitted due to sensitive personal information )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX, TN, XXXX ] [ XXXX ] [ XXXX [ XXXX ] Under section XXXX of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of human trafficking after the consumer has notified the consumer reporting agency and provided the required information and documentation. Section 605C of the FCRA and section 1022.142 of Regulation V, specify the documentation and information required to support a request to remove information on the basis that it resulted from human trafficking. Fraudulent accounts, XXXX XXXX fraud date XXXX account of fraud XXXX amount of fraud {$21000.00}. XXXX XXXX XXXX fraud date XXXX account of fraud XXXX amount of fraud {$19000.00}. XXXXXXXX XXXX fraud  date XXXX account of fraud XXXX amount of fraud {$20000.00}. XXXX XXXX XXXX XXXXaud date XXXX account of fraud XXXX amount of fraud {$10000.00}. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to you today regarding Barclays XXXX two reports of my past due payments to credit reporting agencies. 
I previously held a credit card associated with Barclays AAdvantage Mastercard ending XXXX. During this time, I paid off my credit card debt in full every month. In XX/XX/, my account experienced fraud ; fraud which I promptly reported to the bank. Charges during the period were refunded pending investigation. In XX/XX/, I paid the balance in full and closed the account. Months later, Barclays finished their fraud investigation and placed legitimate charges back onto the account, then closed the card again. I did not know that this occurred. Upon learning of the charges ( less than {$200.00} I believe ), I promptly paid the charges through a telephone customer service agent ( I was unable to access the account online due to the account being closed. My attempts to contact Barclays Customer Service failed on multiple occasions due to their lack of late-night phone customer service access-times during which I was awake as I work nights. )
Product: Prepaid card

Subject : Unauthorized Activity on Bank of America prepaid Account During XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to report unauthorized and fraudulent activity on my Bank of America account during my XXXX from XX/XX/XXXX to XX/XX/XXXX. My account was compromised by unknown individuals who gained access to my account information, passwords, and personal details, subsequently using them to make fraudulent transactions without my knowledge or consent. 

I have submitted multiple documentations and evidence to Bank of America, including medical records and XXXX timeline snapshots which clearly show that I was XXXX  during the period when these transactions took place. Despite providing extensive proof of my inability to carry out these transactions due to my XXXX, the unauthorized activity on my claim is still being denied and reopened by managers who look over the claim and agree with my inability to make these purchases. 

The identity thieves responsible for this fraudulent activity not only accessed my Bank of America account, but also managed to open new accounts, obtain credit cards, book motel rooms, and even purchase a vehicle in my name without my authorization. This egregious breach of my personal information has caused significant distress and financial harm, and I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly. 

I am a victim of identity theft and financial fraud, and I seek your assistance in having bank of America look at the information I sent them showing my inability to make these purchases and re credit my account for these fraudulent purchases. The account was taken over and the passwords were set by them as well as any calls made to Bank of America during this time frame. The items they are using to substantiate thier claim was set up by the identity thieves and I had no knowledge of the activity taking place with my identity while I was XXXX 

Thank you for your attention to this matter. I await your prompt response and assistance in resolving this distressing situation. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX