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

XXXX, TRANSUNION, AND XXXX HAVE FRAUDULENT INFORMATION ON MY REPORTS IN MY NAMES AREA OF MY FILES THIS IS THE FRAUDULENT NAMES. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) MY SOCIAL SECURITY NUMBER ENDS WITH ( XXXX ) THERE IS A VARIATION THAT END ( XXXX ). I HAVE ATTACHED MY POLICE REPORT TO PROVE THE FRAUD THAT WAS DONE IN MY NAME.
Product: Debt collection

Company calls 2-3 times a day about past due amount on personal loan that was taken in XX/XX/XXXX. Company calls references and leaves messages frequently. Company has come to my home several times. Company pulled credit report without authorization in XX/XX/XXXX. I called and complained to corporate who supposedly was suppose to check why this was done. No response back but company kept with calls. Company pulled my credit AGAIN without my authorization in XX/XX/XXXX. I AGAIN called the XXXX number and was told that they would look into it and I requested to be contacted only via email. I am still getting collection calls and XXXX  has gotten back to me about unauthorized pulls on credit report in an attempt to damage credit. They also reported it delinquent to the credit bureau so there was no reason for credit inquiries.
Product: Bank account or service

Chase Bank refuses to send a debit card to my address of record in retaliation for filing a previous complaint lodged against a branch manager at a XXXX, Washington office. The XXXX branch manager had refused opening a checking account based on my race : He did not accept the reality there were XXXX living in former XXXX only areas. 

Its banking representatives offer excuses rather than solutions. Back on XX/XX/2017, there was a bank request for a debit card with a seven to ten day estimated time of arrival. It did n't arrive by regular postal mail by XX/XX/2017, so it was necessary to call telephone banking to resolve the issue ; especially, since the building of residence has controlled access points, and the personal mailbox key belongs to the bank account holder. After speaking with XXXX customer service representatives by telephone, neither of whom were willing to provide any written documentation regarding the debit card, it was necessary to visit the local branch office. 

On XX/XX/2017, the helpful branch manager at the XXXX, Washington location ordered another card by XXXX 2 day expedited delivery with an expected arrival date of Monday, XX/XX/2017. The debit card never arrived. It was necessary to contact telephone banking services on both XXXX and XX/XX/2017 and express dissatisfaction with customer service because someone had intercepted the bank card during transit. A banking representative person in charge first stated the bank did not re-send the debit card to the address on record because of the account was less than 30 days old and it was bank policy not to send XXXX cards to the same address. When told neither the first nor the second bank arrived to the address on record, another banking representative claimed there was a change in address and the bank not be able to send a debit card for thirty days. I adamantly demanded to know who placed account restrictions and for what reasons because someone had internally flagged it ; in addition, I demanded to know what party made an unauthorized change of address without either my knowledge or consent because since I had made none. Then it was necessary to tell the banking representative person in charge that Chase bank will not send a debit card to my home address of record because it was participating in racial discrimination. 

Although both XXXX and XXXX have validated the address on file with Chase, the bank still refuses to send the debit card because of a previous negative encounter with the XXXX branch manager who made an internal complaint flagging the account for suspicion of fraudulent activity based on his claim the address on file was not valid. The branch manager had acted in a vindictive manner in retaliation for filing a formal complaint of racial discrimination with Chase executive offices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing some inaccurate accounts and collections on my credit on XX/XX/XXXX with a follow-up dispute sent on XX/XX/XXXX. I just completed another XXXX today, XX/XX/XXXX however, during this entire time, none of the bureaus have responded or sent me any correspondences regarding my disputes. I don't feel as though they're doing what they're legally obligated too, even if it's just sending something that they received my dispute, but they haven't even done that!
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. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Debt collection

I have an acct on my credit from LVNV FUNDING LLC in the amount of {$120.00}. This acct do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this acct belongs to me. if they are unable to provide documentation I want this removed from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about a repossession that Ally Financial reported on my credit record. I want to know why it is there. I too would like to see it eliminated. The automobile was not repossessed. The vehicle was involved in an accident, and I am in possession of all supporting evidence. The automobile has been completely paid off. I have proof of a paid-off automobile and no missed payments in my credit history. I have filed a dispute with the three credit reporting agencies and Ally Financial. A class action lawsuit asserted that the notices Ally Financial provided to borrowers before and after the repossession of their property did not comply with each state 's Uniform Commercial Code form and content standards. Ally Financial Inc. v. Haskins, Case No. XXXX in the XXXX Judicial Circuit Court for XXXX XXXX XXXX Missouri XXXX was a class action case.
Product: Payday loan, title loan, or personal loan

Good Afternoon, I have a personal loan with One Main Financial. I stopped making payments for a couple of months due to my financial situation. Ever since then I they have been calling and harassing me at my job every single day! I have told them numerous times to call me on my cell phone if they need to reach me and they still keep harassing me at work! Our calls our monitored and if they keep calling I could be terminated. 

Thanks, XXXX
Product: Checking or savings account

In XX/XX/2022 in response to a Citi direct mail ad, I opened up a new Checking Account with Citi and deposited {$200000.00} cash. The direct mail ad stated I would receive {$1500.00} if I left the money there for 3 months. 8 months later and numerous calls later ( many with " a case will be opened and someone will get back to you '' I have received no follow-ups from Citi and a grand total interest of {$10.00}.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

I entered into a Covid relief forbearance around XX/XX/XXXX. In XX/XX/XXXX, I called Mr. Cooper to see what my options were. I asked very specifically if the option to add the payments to the end of the loan were an option and the agent informed me that that was an option, along with a lump sum and a modification. 

Around early late XXXX XX/XX/XXXX, I attempted to start the process on their website and was repeatedly met with errors using their " wizard ''. On XX/XX/XXXX, I called them back again and was directed to the general " support '' area and to go through the modification there since the wizard was broken. I did as instructed and it apparently created a modification request. 

In subsequent calls, and their website, I was told that it would take *up to* 30 days. Here we are, sitting at XX/XX/XXXX and it still has not been addressed. I called on XX/XX/XXXX to inquire about status and they informed me it hadn't even been looked at and " escalated it '', so it should be done within 5 days. Again, we are at XX/XX/XXXX and this still isn't addressed. 

In a subsequent discussion ( I don't have the call date available because they called from another number ), I was told " the investors want their money '' and that was a reason for the delay. 

At this point, there is no reason to believe that Mr. Cooper is acting in any other fashion than to actively force a foreclosure by delaying a resolution, in spite of repeated promises that the issue would be addressed, and by forcing a lump sum payment without giving adequate time to respond.
Product: Debt collection

I disputed a collection with XXXX  several times in the past few years regarding Amcol Systems that they submitted to the credit agencies recorded on XX/XX/XXXX without my knowledge and without any validation of debt. The details state the original creditor as XXXX and the amount is for {$650.00}. I contacted XXXX and they do not have a record of this under my name. I do not recall going to XXXX. I had a different insurance thru my employer as well as HSA and any medical bills would have been paid with the combination of both. This is too old to investigate or to submit to insurance or HSA. I also asked them due to this automatically falling off my credit report next XX/XX/XXXX, if they would kindly remove, as I have never received any communication from this them over the past years. Furthermore, this credit agency is not licensed in the State of Michigan to perform collections in this state, so I believe they are illegally trying to collect a debt that not only is invalid, but they are not entitled to do so according to the Michigan State Attorney general office, which they have requested I file a complaint pending the results of your findings. I have been checking my credit reports and this is still appearing, therefore they are ignoring my request for removal and never offered any type of validation. I reached out to them also via email this week, I have proof of delivery and again received no response, not even an email reply to say they would look into this matter. If this was on one of their own credit reports, they would react in a timelier matter.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell the 3 credit bureaus 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, remove the noteworthy of any information in my credit record that came about due to an 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 Balance Owed : {$16000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681C. ( a ) 5 Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My significant other is experiencing a declining health that placed her on hospice so I needed time off to care for her and was eventually let go after working there for XXXX years. I am continually calling XXXX XXXX trying to make payment arrangements but they are unwilling to do so. I contacted XXXX XXXX XXXX, who offered to assist me but XXXX denied allowing XXXX XXXX XXXX to assist in restoring my mortgage back to compliance. XXXX states that the loan is also under XXXX, who gave the mortgage to XXXX XXXXXXXX XXXX. I've been trying to call XXXX XXXXXXXX but they are refusing to talk with me because XXXX sold the mortgage which took my name off the mortgage. XXXX reports that I am {$8000.00} delinquent but refused XXXX XXXX XXXXXXXX assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX XXXX {$1400.00} XXXX. XXXX XXXX {$4000.00} XXXX. XXXX XXXX XXXX {$2000.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I 'm trying to get an issue resolved with my XXXX XXXX credit card. In XX/XX/2016, I notified my bank, XXXX XXXX XXXX, about XXXX unauthorized charges. They were back-to-back charges for {$1000.00} and {$1000.00} labeled " Diamond Ring '' dated XX/XX/2016. It is now XX/XX/XXXX and my case is still not resolved. I have spoken to several XXXX customer service and fraud agents about my fraud case and I keep getting the run around. I was even promised that I would receive a call from a manager within 48 hours and that has not occurred. No one seems to know or understand what 's going on with my XXXX account and the unauthorized charges. However, my credit score is suffering and I 'm still expected to make monthly payments. I 'm attaching all my monthly statements leading up to XX/XX/XXXX in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

SINCE IT IS AGAINST THE FCRA 604 PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( 15 USC 1681B ) FOR AN ENTITY TO VIEW A CONSUMER REPORT WITHOUT PERMISSIBLE PURPOSE, I AM DEMANDING FOR XXXX, XXXX, AND EXPERIAN TO REMOVE THESE LISTED INQUIRES BECAUSE I DID NOT APPLY FOR CREDIT. THESE FRAUDULENT INQUIRIES WERE OBTAINED UNDER FALSE PRETENSES WHICH VIOLATE 15 USC 1681N ( A ) ( 1 ) ( B ). INQUIRIES : XXXX XXXX XXXX  ( FINANCE ) 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
Product: Checking or savings account

Please read the letter from my Attorney which I have attached below.
Product: Debt collection

I paid {$210.00} to XXXX XXXX on XX/XX/2019. I have recently paid multiple debts. I work for a utility company myself called XXXX XXXX. In Oregon if you pay the debt through the utility company the interest is forgiven. When I paid my debt to XXXX XXXX XXXX, it was also through Bonneville Collections, the interest was forgiven. A large debt I recently paid off with XXXX XXXX through XXXX XXXX XXXX, the interest was also forgiven. However Bonneville Collections will not forgive my interest for this debt that has been paid in full. I want to dispute the interest.
Product: Debt collection

I already disputed my debt with the previous Debt collector, XXXX XXXX who represented XXXX XXXX XXXX XXXX, the original creditor through cfpb in XXXX for failure to provide evidence that I owe such debt. On XX/XX/XXXX, I received a letter from Haltsted Financial Serivces, LLC, reference number XXXX, claiming that I owe XXXX XXXX XXXX XXXX, Reference Number XXXX. Haltstead Financial Services, LLC claims that I owe {$1200.00} to XXXX XXXX XXXX and that they will discount 50 % off the amount if I choose to pay before XXXX/XXXX/XXXX. They also claim that they tried to contact me by mail but I never received such notice until now. This is the second time XXXX XXXX XXXX has share my name, social security and private information to debt collecting agencies. They are harassing me for a debt that I never owed.
Product: Credit card or prepaid card

I purchased a phone with XXXX Store Financing ( Synchrony ) on XX/XX/19. XXXX advertised I could make the minimum payment ( $ XXXX/month ) for 24 months and not be charged interest. 

Under the same account I bought a XXXX XXXX XXXX for {$250.00} on XX/XX/19. I assumed the same terms applied to this purchase. Since I signed up for auto-payment and paperless billing, I was not reviewing account activity. 

Recently, I was charged {$45.00} in interest that I was told was the accrued interest for the XXXX XXXX XXXX. This translates to 17 % of the principal that I was charged over just 6 months. Apparently, they had signed me up for a 6 month deferred interest program without my consent or acknowledgement at the time of purchase. 

Balloon payments like these need to be expressly advertised at the time of purchase. This is the definition of predatory lending. Had I been aware of these terms, I would never have made the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent a letter to Transunion on XX/XX/2022 requesting to investigate and verify the Accuracy of the accounts on my Credit Report. These accounts ( XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX Bankruptcy Reference # : XXXX ) are reporting erroneous information on my File. Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Transunion to investigate the erroneous accounts and have them corrected.
Product: Debt collection

Rosen and Pollack has not produced a response to production of documentation letter. Rosen and Pollack has violated my rights and I will like to enact 18 U.S.C. 8 of the Fair Debt Collection Practices Act. XXXX XXXX has also violated my privacy by contacting Rosen and Pollack without my consent to obtain information about my location, which is a direct violation of Section 1692c of the Fair Debt Collection Practices Act. This constitutes an unauthorized disclosure of my personal information and is considered a serious privacy breach.