23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Pioneer calls me every single day including weekends. Some days they call XXXX three times. They have called after XXXX. These are robo-calls with the message to " wait for a representative tative. ''
Product: Vehicle loan or lease

Since XXXX when I began a contract with Ally Financial. They have committed fraud on this account Multiple times. Ive sent in many forms of tender of payment. Such has registered securities that have been kept by the company. And the credit not applied. I recently XXXX sent a registered security registered mail. They refuse to apply to my account and are harassing me by telephone about a payment. Theyve reversed payments which I have proof of. Refusal of discharge by law it automatic discharge. I just received my credit report it shows the account was paid in full and closed. Ally reopened the account. I need help ASAP they have illegally repoed my vehicle multiple times. I have proof of all the fraud they have committed
Product: Debt collection

Transworld Systems has placed a collection on my report in the amount of {$300.00} for a medical debt which is not valid but also violates my HIPPA laws as I have never signed a contract with them or given them access to my medical records. This is the THIRD time they have done this and I am taking legal action. I do not have any knowledge of this alleged debt nor have I ever received services from Transworld Systems. I have disputed the validity of this debt as well as questioned if they are authorized to collect this alleged debt. This alleged debt that has never been validated has caused irreparable harm to my credit and credit score. I will be following up with more letters to the credit bureaus and to the company after seeking legal representation for violating HIPPA laws.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

On XX/XX/23 I was contacted twice in 5 minutes by ( XXXX ) XXXX supposedly on behalf of check and go. I do not/nor will I ever have an account there. 
Whoever this was, they would NOT provide the date of supposed contract, the state, and were verbally threatening in nature- and completely rude! A man talking over me as loud as he could, as I asked for simply a date of supposed service is reprehensible! As a XXXX individual- it left me in shambles!!! I HAVE had identity theft, and I do not remember taking out any loan with Check and Go. Ever!! Nothing on my credit report. Unprofessional, harassing and predatory!!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block inc ) due to inadequate customer service and unfair practices Which violates Consumer financial Protection act ( CFPA ) Specifically, cash app Failed to take timely measures To prevent address fraud On their platform Leaving my account, unprotected and vulnerable Furthermore, their dispute process Was unfair and deceptive And they did not comply with Error resolution Requirements Under the electronic fund Transfer act ( EFTA ) and regulation E these actions have called a insignificant Financial loss I won all money that was reported to be refunded.
Product: Checking or savings account

On XX/XX/22, an unauthorized user gained access to my CitiBank Online Checking account and withdrew {$20000.00}. The unauthorized user first gained access to my cell phone number through XXXX XXXX. I received a text from XXXX that my number had been compromised and then shortly after my cell phone service was blocked. During that time, the unauthorized user hacked into my CitiBank account by wiring out {$20000.00} from my checking account. While I still had access to my CitiBank account by using my laptop, I saw that the unauthorized transaction was wired to someone named XXXX XXXX from Illinois who had an account from XXXX XXXX XXXX XXXX bank. I had to use my home phone to reach out to CitiBank to stop the wire transfer and freeze my checking account. That same day I went to a CitiBank branch and they informed me that they were able to freeze the pending wire transfer and any future transactions. The next morning I called CitiBank asking about the status update on the wire transaction and was informed that the money, unfortunately, went through. CitiBank then directed me to their fraud department and I was advised to file a fraudulent claim and complete an affidavit providing more information on my case. During this investigation process, I contacted XXXX about the incident. I was then mailed a physical letter confirming that my phone number and personal data information were indeed compromised by an authorized user. The investigation process with CitiBank 's fraud department took around 2 months and with no updates on the status of my claim. I reached out to CitiBank 's fraud department asking if they needed any evidence to support my claim, but they declined my request. I received a mail from CitiBank on XX/XX/22 stating that my claim was denied " due to the fraud reported was caused by providing customer account information or authorization for the transactions that were determined to be a scam. '' I tried contacting CitiBank 's customer service to dispute the results of my claim, but no one was able to help me. 

I have attached screenshots of evidence I have to support my claim. Please let me know what other information you need. Thank you.
Product: Debt collection

I have received this bill from XXXX XXXX XXXX XXXX ON XX/XX/18. I have no idea who they are collecting for as I have not received a bill. I am XXXX years old and my mom usually handles things like this. I called them and she only told me that It was for an emergency room visit in XXXX. i told her that I had not received any bills or my mom would have told me.I then notified her that I was in an accident and did visit two emergency rooms I believe. However, I had insurance and I was fully covered. I then provided her with my XXXX XXXX XXXX Information from my card which stated that the Coverage began XX/XX/2018. She took the insurance information and then asked how would I like to make the payment. I said why would I male a payment when I was covered? That is what insurance is for I said. She then said well, you could pay the balance and then let your insurance reimburse you. I told her, why don't you pay it and let the insurance reimburse you? She then said that we will not be contacting you again about the debt. I told her I did not say not to contact me. I want to make sure that it is taken care of. I asked her was she going to contact the insurance company. She said yes. I asked her would I receive some kind of confirmation that this had been resolved. She could not assure me that I would. I then told her that I have already mailed a certified letter to the address on the letter. I have submitted the bill to XXXX XXXX XXXX. I also told her that I would be submitting a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and my rights have been violated. Please review the attachments to see my complaints.
Product: Credit card or prepaid card

On  XXXX   XXXX ,  XXXX , I calle d Card Member S ervices, to request an extension  of 6-12 months  at the rate of 0 % originally set for this card. Sharing the fact I am  XXXX , and am still impacted by the 10.7 % unemployment rate, and am working with our  XXXX   XXXX   XXXX  agency to remedy the situation, as yet unsuccessfully. I have already attempted to remedy the situation before it happened through meeting with the  XXXX   XXXX   XXXX   XXXX  agency, who applauded me for my tight budget, and told me their h elp may co st me more than help me. I feel stuck between a rock and hard place, unless an extension is allowed by the creditor. Here is a copy of the message recapping the calls which I have also posted in a message on my account at the  Card Holder  services. Their response was NO HARDSHIP ASSISTANCE WAS AVAILABLE TO ME.   COPIED MESSAGE "  XXXX   XXXX ,  XXXX  DiscoverCard undisclosed interest rate for current period being incurred.     After speaking with  XXXX ,  XXXX ,  XXXX  and finally  XXXX , explaining the impact of the current unemployment figures on the  XXXX  employable people seeking work at 10.7 % over the protracted period including both  XXXX   XXXX  and  XXXX   XXXX , I, as a  XXXX  individual, am still faced with lack of earning to support an increase in interest on my account from 0 % to 23.24 % or market based value as stated by  XXXX  and other staff, but not printed on my account anywhere of 23.74 % on my next bill. Nor have I been able to 'discover ' the disclosure, I requested from each department. I requested a disclosure in print of the new amount currently being incurred, at the rate verbally disclosed to me today of 23.74 % to no avail as I reported to  XXXX  and  XXXX  at  DiscoverCard vi a phone today, and no help with other hardship assistance. I reported to yo ur Card Member  Services representative/s who  XXXX  assures me could not help with any hardship assistance to extend the 0 % for any length of time. I asked 6 months longer if possible, and explained to  XXXX  how he  may fe el when making a credit purchase, for which the interest climbed excessively during a  XXXX  period and a statement arrived with the addition cost included in his outstanding balance. It is obvious these people do not understand the impact of going from 0 % to 23.24 % or in this case 23.74 % without the means to pay, yet it is almost guaranteed at some point they will 'discover ' how this works. Perhaps they will find a hardship assistance method in the meantime.   A copy of this message will be shared with the FTC.gov, the ConsumerFinance.gov, the ADA.gov. '' Please review with the mind of a person protecting  XXXX  rights as well as a debtor making efforts to meeting untenable terms.   Thank you. See most recent statement wit h credit score  attached.
Product: Debt collection

I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied XXXX in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX  and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to  reinsert from this point forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, - Account name missing XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This ground for removal. 

They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Clear states the credit bureaus have 5 days to notify me from when they receives my disputes.

They Also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ( IN ( li ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Debt collection

I noticed National Credit systems on my credit report stating that I owe an apartment complex by the name of XXXX XXXX. I called the apartment complex which the lady I spoke with said no we dont have your information on file. I called national credit systems and the lady I spoke with was very rude. She wouldnt let me talk and when I decided to speak up and inform her that I was a victim of identity theft and I never lived at this residence she hung up on me. I tried to call back she wouldnt answer. I found their email online on their website and emailed the required documents on XXXX XXXX. This collection is still on my credit report which it should not be at all. I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX XXXX. This debt is not mine.. The information listed below, which appears on my credit report, does not relate to me. This account was fraudulently opened in my name. XXXX also decided to hang up on me when I said I was submitting a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : XXXX   XXXX XXXX XXXX XXXX  XXXX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion regarding their failure to respond to my dispute concerning fraudulent accounts that have been incorrectly reported under my name. 

On XX/XX/year>, I sent TransUnion a XXXX dispute letter, requesting the removal of several accounts that do not belong to me. These accounts were falsely attributed to my credit report, and I provided detailed information and documentation to support my claim of fraud. Despite the serious nature of this issue and the clear evidence provided, TransUnion has not responded to any of my correspondence. 

As of today, more than 30 days have passed since I submitted my initial dispute, yet I have not received any acknowledgment or resolution from TransUnion. This lack of response is not only unacceptable but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate and respond to disputes in a timely manner. 

I kindly request that the CFPB intervene to ensure that TransUnion fulfills its legal obligations to investigate and resolve my dispute promptly. The failure to act on this matter is causing significant distress and potential harm to my credit standing.
Product: Debt collection

I received a credit alert today indicating a new account has been reported on my credit report. Upon checking my credit report, a collection account was placed in my file by Debt Recovery Solutions ( DRS ) with the XXXX credit bureaus indicating I owed {$1200.00}. 

I have never been contacted by DRS about any alleged debt. I have never spoken to anyone from this company and have never received any written or electronic communications. I have not received any type of validation notice stating the name, address of the original creditor, the alleged amount, and given an opportunity to request validation/verification within a prescribed period. This practice of placing unconfirmed and questionable collection accounts without notifying the alleged debtor first and following the FDCPA notice requirements is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX  XXXX, has violated my rights. 

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

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

Unauthorized Hard 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 XXXXXX/XX/XXXX I am writing to file a complaint regarding unauthorized credit inquiries that appear on my credit report for : I did not authorize these inquiries, nor have I provided consent for any credit applications or related actions that would warrant such activity. These unauthorized inquiries are negatively impacting my financial standing. I have contacted each Furnisher to address this matter, however, I have not received an y resolution. I requested wet signature applications and proof of authorization. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these unauthorized inquiries and take actions to make sure theyre removed, and to prevent further unauthorized activity.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately.i had two late payment on a account that was in fact paid on time.the consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments.Ive attached a copy of my report to this complaint on the following TransUnion dates for XXXX XXXX account XXXX shows a late payment on XX/XX/XXXX. It says 30 days late. XXXX dates for XXXX XXXX account XXXX shows a late payment XX/XX/XXXX. It says 60 days late. Experian dates for XXXX XXXX account XXXX shows a late payment XXXX XXXX says 30 days late. 

The 2nd error on all three credit bureaus reports comparisons is TransUnion dates for XXXX XXXX XXXX account XXXX shows a late payment XX/XX/XXXX. It states in been late 30 days. XXXX dates for XXXX XXXX XXXX account XXXX shows a late payment XX/XX/XXXX. Its been late for 30 daysXXXX dates for XXXX XXXX XXXX co account XXXX shows a late payment XX/XX/XXXX. It says 60 days.im now requesting you to investigate the accounts and update these payments to paid on time immediately.thank you for understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C. 1681 section 602A, states that I have the right to privacy 15 U.S.C. 1681 Section 604A section 2, 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

on XXXX XXXX XXXX I opened a account trying to finish my education with XXXX XXXX but couldn't because I was being XXXX XXXX XXXX XXXX XXXX and had to move and file a police report lost everything including my XXXX XXXX and losing my apartment 3 months later I couldn't pay to finish my education I had to put everything on hold and get me and my kids to a better place I called an told them this but no one wanted to listen I even send letters and proof of what was going on they still charged me and left me with a balance of {$350.00} and as up today the account still say opened and its suppose to say closed and removed I tried calling them and they told me to call a 3rd party who owns the account which doesn't make any sense