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

I contacted Equifax back in the beginning of XXXX about them taking XXXX pts away from my credit score. There was nothing new on my credit report to warrant the points taken away. I called them and they informed me they can not tell me why and I would have to contact a credit adviser. I contacted a credit adviser and they informed me they don't know why Equifax told me but they are not able to tell me why that Equifax would have that information. At the end of XXXX Equifax increased my score by XXXX pts. So I thought ok they discovered they made a mistake and gave me most of my points back. Then today they took XXXX pts from my score again. I called Equifax and the lady told me that it's because I have 2 derogatory marks on my credit. These have been on my credit for 5 or 6 yrs. That is not why. I asked to speak to her supervisor and he told me that I needed to speak to a credit adviser and they will be able to tell me. I told him that I called before and they told me they don't know why Equifax is telling me that because they don't know why. He said I could reach out to my bank and ask to speak to a credit advisor and they can help me. So I called my bank and again they told me they can not tell me why Equifax took points off my score that only Equifax would know why. 

Why can't I get an answer? I have done nothing to warrant that many points being taken away from my score. I want answers and the company that took them can not tell me anything?! I just want some answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't made the best attempt at resolving this matter. I was homeless five years ago then my credit became poor. Unfortunately a strange woman stalks me and horrific crimes against me have taken place since the last time she was released from prison for crimes against me. I paid some of my debts over the past five years and I expected my credit score to increase but it has been XXXX before XXXX when it's now XX/XX/XXXX. I read my report online in an attempt to understand why no change for practically five years and although I'm sure XXXX is wrong the reporting states I am receiving nonpayment feedback every month from open collection accounts and it reports accounts are open which have long ago charged off and closed. I should know I defaulted and havent any credit account since XXXX although some creditors claim an open account. I demand someone legally investigate and increase my score because I'm sure it's XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on numerous occasions regarding my XXXX XXXX XXXX XXXX ( XXXX ) account. 

Equifax is stating that I was 60 Days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. According to XXXX records I was not late for those 6 months as reported by Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

bank of America reporting a this fraud act on my credit and XXXX didn't have proven that this was accurate only because Bank of America said it accurate they have been damaging my credit for over 4 years
Product: Debt collection

I received a letter with my correct name and address regarding a " company payroll check # XXXX in the amount {$12000.00} '' that was returned unpaid. This is a check paid to a supermarket ( XXXX store XXXX in XXXX, CA ) that I have not been to regarding use of cheques which I haven't done in years and finally it is for a spectacular total for groceries for a family of XXXX. And it's for a " company payroll check. '' I have no business, nor employees. 

I have listed XXXX as the origin of the " debt. '' It does appear that XXXX uses XXXX but I have not used XXXX at that location or very much in person in the past year and I haven't used a cheque in ages, much less a " company payroll check. '' The two companies involved are both disreputable and may be intertwined in some way. They are the so-called client and now owner of " my '' fictitious check - XXXX XXXX XXXX, XXXX and the " collectors '' XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL ( surprise! ) XXXX at XXXX with claims accounting address in XXXX, FL. They seem to be " legit '' companies engaged in scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, CA, XXXX ; XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/2022 ; XXXX XXXX  XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Opened : XXXX XXXX, 2022 Balance : {$520.00} Original Creditor : XXXX XXXX I am unaware of this credit lender. I am currently located in XXXX and have never heard of Original Creditor.

I reached out to company but wanted to report it just in the event they dont contact me quick enough.
Product: Debt collection

Over the last year and a half, I have been receiving strange calls to my landline from Portfolio Recovery. There is never a message left, so after several of these calls, I did a XXXX check on their information and found that they are a debt collection company. Since I have never had any outstanding debts and have not received any official letters or other documentation from " creditors '' demanding payment for an " unpaid '' debt, I found it odd that I would be receiving calls from a debt collection agency. After a year of no-message calls from Portfolio Recovery , I finally answered one of their calls and told them to stop contacting my number -- that no one in my household had any outstanding debts. I went on to point out that I was aware the Consumer Financial Protection Bureau had fined them {$24.00} XXXX for illegal debt collection practices and made it clear that I knew their repeated calls to me were a scam. Unfortunately, the calls have continued. 

Absent any written demand or documentation from a creditor, bank, or lender sent to me via certified mail, I can only conclude that Portfolio Recovery is, once again, engaged in the same illegal activities which earned them a {$24.00} XXXX fine from the CFPB. Were they leaving threatening messages, their calls would be more disturbing and disrupting ; however, given the dodgy history of this company, the large fine they have had to pay for illegal practices, and their persistence in calling my number tells me that they are looking for naive consumers to scam. I just wanted to pass this on. You may want to launch another investigation into Portfolio Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

THE ACCOUNTS BEING DISPUTED ARE NOT ACCOUNTS AUTHORIZED BY ME. THOSE ACCOUNTS HAS BEEN HINDERING MY CREDIT AND PREVENTING ME FROM APPLYING WITH NEW CREDIT. PLEASE HAVE THESE ACCOUNT OFF MY CREDIT FILE. THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE AND I AM DISTRESSED THAT THOSE ARE ON MY CREDIT.
Product: Bank account or service

I have had a checking account at Wells Fargo for over ten years. Suddenly two months ago I saw a fee charged to the account. ( {$13.00} or {$15.00} I believe ). I emailed via the Wells Fargo website and inquired about the fee. The reply I received was unclear, it said I did not have the right mix of products and services but the explanation was unclear why my mix was wrong, what I needed to change and what had suddenly changed to initiate this fee. They did refund the fee. I wrote back and asked for clarity and received yet another unclear reply. So I went to my local branch and inquired, the agent told me my accounts looked fine and I must have been charged in error. At this point I believed the problem to be resolved. 
The next month I was charged the fee again. So I contacted Wells Fargo again and they refused to refund the fee this time, and again did not provide a clear explanation. I replied and threatened to move my business and they did finally refund the fee and told me I needed to enroll in mobile banking to not be charged the fee again. So I followed the instructions to enroll and emailed them back to ask if everything was set. I received a reply that it was NOTset and that I was mistakenly told mobile banking was needed. I was told I really needed to call and get an ATM card. At this point my frustration got the best of me and I asked them to close my checking account. They did close my account but the reply mentioned the fee was because they believed I stopped my direct deposit. This was the first time anyone mentioned direct deposit. In fact, I did not stop it, it was on hold because of the season nature of the deposit which comes from real estate rental income. 
I am reporting this complaint because I am very concerned that Wells Fargo has a policy which is confusing and the employees have not been properly trained. Therefore they are unable to communicate the intricacies of the policy to consumers. I imagine someone elderly would not be able to jump through the same hoops I did to get this resolved and may be charged large fees they do not understand. I talked to XXXX different agents and never got the same or a satisfactory response. I will attach the email chain as evidence to this confusing response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX 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 a account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX US. DEPT. OF EDUCATION 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: Mortgage

I had lost a portion of my business in the beginning on XXXX of XXXX. 
I started to fall behind on my mortgage payments an called Amerisave which is who my mortgage is with. They were of no help what so ever. Then I got XXXX really bad, so bad I could not work at all for months, could not do anything. I started to feel better in XXXX XXXX and had noticed I had no communication sent back to me about the loan. I tried to log on to my account to see what options were available to me I was unable too. I then called to find out why I was unable to access my account online and this is what was told to me. 
Since I am using a XXXX  account my emails where going into a " special folder ''. I told the representative that is something I think you should tell your customers, dont you think? 
Then she tried to show me how to get to the folder but still no correspondence there. XXXX proceeds to put me on hold to find a solution, she comes back on and tells me I have no access to my account because we have started the foreclosure procedures. 
I told them I was sick for a long time and was unable to do anything and now I am much better shape to make arrangements to get my account in good standing again but they were not interested in helping me at that point. This conversation took place XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing formally express my concerns regarding zelle handling disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately.
Product: Debt collection

Upon recent review of reports furnished by XXXX, XXXX XXXX XXXX, I noticed an unfamiliar third-party MIDLAND CREDIT MANGEMENT I have no business association with, in possession of my private non-public financial information without my consent. 
On XX/XX/2024 a Certified CEASE & DESIST notice XXXX XXXX XXXX XXXX XXXX XXXX was delivered to MIDLAND CREDIT MANAGEMENT exercising my right to privacy & to Cease all communication directly or indirectly through any mediums & pursuant to Financial Privacy Rule/Gramm Leach Bliley Act, section 6802 to Cease & Desist the sharing unauthorized possession of my non-public information within thirty days.

MIDLAND CREDIT MGMT has not produced competent evidence of my authorized written consent to be in possession of & the sharing of my non-public information within thirty days. 
I obtained updated credit reports from XXXX XXXX XXXX XXXX MIDLAND CREDIT MGMT has continued communication through the above stated mediums & maintains unauthorized possession of my non-public information without my consent.
Product: Money transfer, virtual currency, or money service

I transferred XXXX litecoins worth {$13000.00} at the time from an external account. The funds were confirmed received in my Coinbase account. Coinbase then automatically transfers these funds to my XXXX account. However I received 2 emails one saying it was successful and one saying there was an issue and I will have to manually transfer it. The problem is now my XXXX litecoins do n't appear in either my Coinbase or XXXX account. I opened a ticket with coinbase and have yet to receive even an acknowledgement that they are working on this problem. It has been 5 days since the funds have been missing. Therefore I have been unable to buy or sell anything for 5 days which has also cost me opportunities. I know I am not the only person having this issue as there are several people who have posted on XXXX about this same issue and it has yet to be addressed or acknowledged by anyone at coinbase/XXXX.
Product: Credit card or prepaid card

Closed my accounts with HSBC in XX/XX/XXXX or XX/XX/XXXX Received notice that there was a charge on my credit card in XX/XX/XXXX. Disputed and explained that these accounts were closed. Was told they would close my account Got a credit card statement again from them Called again and explained that accounts were closed. 
HSBC opened up a NEW credit card for me without my authorization Called again and was notified that they closed my account. Received a letter stating the same. 
Received yet another credit card statement from them in XX/XX/XXXX. 
Called again to have them close the account.
Product: Debt collection

I told them that my husband just left me with all the bills. I am in debt and that I would pay them off within a couple of months, and they won't stop calling me on my cell and at work.
Product: Debt collection

I am writing this letter as I was enrolled in XXXX XXXX while I had XXXX which is reflecting as XXXX XXXX and XXXX XXXX . When I became XXXX and lost my job I filled out a claim and they were supposed to suspend the payments. XX/XX/22 I also disputed the charges with the credit bureau. Please see last statement with me being enrolled in the insurance protection plan. My reference number is XXXX Thanks
Product: Credit reporting or other personal consumer reports

My credit score is important to me that's why I am regularly checking my credit report, now there's been a recurring issue in it that I have been trying to fix yet I have been consistently ignored, there are erroneous information being reported on my report that is negatively affecting my life and my credit score, so bad that my new credit applications are not getting approved and I need it so much right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS OAG XXXX XXXX XXXX inaccurate/never late XXXX XXXX  XXXX XXXX not mine
Product: Checking or savings account

I had Checking account with Citi with balance of {$15000.00}. Suspecting fraud activity, citi closed my account and not refunding my money back. There was no proper investigation done by citi and never reached out to me for clarifications. Its my hard earned money which I transffered from my XXXX XXXX account to citi. I have bank statemnets to show. 
When I first contacted Citi fraud departmen, they informed me that I will recieve my check of refund amount on my mailing address in 60 days, now after 2 months they informing that money wont be returned. 
Its really frustating to fight for own money and citi made decision without consulting me.I want to file complaint against citi for not refunding my money. 
I can provide bank statements from my XXXX  ( source ) to destination citi.
Product: Credit reporting or other personal consumer reports

According to USC 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS, -- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- ( A ) subject to sect5ion 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ...... 
Capital One Auto Finance has violated my rights by reporting late payments, which is considered transactions and experiences between the consumer ( me ) and the person making the report ( Capital One Auto ).
Product: Debt collection

I recently reviewed my credit report and I keep coming across a collection from Erc for {$670.00}. I have no idea what this is for. I never received a notice of debt. I have tried disputing this several times with the credit bureau. They say It meets requirements and have not removed it. I sent a complaint to XXXX. I received a reply from ERC dated XX/XX/2018 which I will enclose. They advised it was sent back to them as not a correct address however they will obtain a validation and sent it to me. To date I have ZERO documents validating this debt! I have NO idea what it is for and it is affecting my credit. Either send me a validation of this debt or have them remove it asap. I'm at the end if my rope as I'm running out if options. If it is my debt then I owe it but I need proof as I do not recall ever having an account with XXXX. I refuse to pay for something that is not my debt. Please help any way you can. 

Thank you
Product: Debt collection

Midland Credit Management , Inc have consistently harassed me to XXXX paying a debt which I do not owe nor have any responsibilities for. They persistently and aggressively report on my credit profile an account which other credit collection companies in the past, long deemed erroneuos mistake ; and have appropriately deleted off my credit profile and adjusted correctly with the XXXX major credit bureaus in my favour. 

This account they continue to aggressively report on my profile monthly is hindering and encumbering my ability to secure any measurable career. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I entered into an agreement with the plaintiff that would draft a payment out of my account once a month for the amount they are saying I owe. Shortly after this agreement I was served with papers that were a statement of claim. I filed an answer to the magistrate court stating that I have had a once a month deduction come out of my account to pay the debt they say I owe and I showed proof. I have now received a letter saying that I must go to court in XXXX  or I will have a judgement against me. I have been trying to email and call these people since XXXX I want this case dismissed because I am already paying and they draft the amount out of my account each month. I cant miss a day of work for this. I think they are not answering or responding because they want me to not show up and it be a judgment against me. They are sneaky and have been no help to me. When I have called I just get transferred to people that cant help me because they say its a legal matter. The court says that they will not dismiss the case unless they hear back from the plaintiff as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED TRANSUNION ABOUT SOME INQUIRIES THAT I WAS NOT FAMILIAR WITH AND I WAS TOLD THAT THEY COULD NOT DO ANYTHING ABOUT THEM. I CONTACTED SOME OF THE COMPANIES THAT PUT THE INQUIRIES ON MY REPORT AND THEY SAID THAT THEY WERE ALL DONE ON THE INTERNET AND THEREFORE THEY HAVE NOTHING THAT HAVE MY WRITTEN CONSENT. 

I AM REQUESTING THAT ALL INQUIRIES BE DELETED BY TRANSUNION IMMEDIATELY BECAUSE THEY SHOULD ABSOLUTELY HAVE MY WRITTEN PERMISSION TO PULL MY CREDIT. THIS WILL ALLOW ME TO START TO MONITOR MY CREDIT VERY CLOSELY AND BE AWARE OF ANY NEW INQUIRIES.
Product: Credit reporting or other personal consumer reports

I been going over my credit report and I saw some collections that were on there. It says that I owe you a lot of money but, I don't know what it's for. Maybe someone used my personal information.