23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I wasnt notified of any debt and didnt know anything about this debt. I didnt sign any agreements or agreed on anything to be sold to a debt collector. 

What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have WRITTEN TRANSUNION on 2 occassions asking them to remove the EXTENDED FRAUD ALERT, they told me to submit the request in writing and I did. And the FRAUD ALERT is still there. I DON'T NEED the fraud alert because I can LOCK my credit reports with the touch of a button.
Product: Payday loan

Due to a medical crisis, I used poor judgement and took out an online loan with 500FastCash.com on XXXX XXXX, 2012 in the amount of XXXX. This amount was deducted from my checking account and it was my understanding that this matter was resolved as this was XXXX years ago. XXXX weeks ago, I began receiving threatening phone calls from this company saying I owe them XXXX. I have since moved out of state thus closing my account. I requested a statement from this company and XXXX weeks later I received a statement by email showing ridiculous charges for XXXX years. Although my balance was paid in full, I am told that additional interest was incurred. Additionally, as I had closed my account and transferred to an out of state bank, this company has continued to attempt to deduct funds and when denied as account closed by XXXX Bank, I am being charged for each transmission that was rejected for the last XXXX years.
Product: Debt collection

XXXX deleted this company but Experian still have it on my credit report I just want my credit report to reflect the same information.this company is fradulantly trying to collect money that I do n't owe from me
Product: Credit reporting, credit repair services, or other personal consumer reports

After speaking with the XXXX XXXX and being advised that they did not give Transunion permission to list this item in my credit report under public records, I have submitted multiple requests to Transunion requestion that XXXX # XXXX be removed from my credit and have been unsuccessful in doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my file permanently unfrozen with no luck and Chexsystem has not provided me with a pin to unfreeze.
Product: Checking or savings account

Opened an account with Wellsfargo. They were offering a {$200.00} bonus for opening an every day checking account with {$1000.00} or more in qualifying direct deposits for the next 3 months. Its being 6 months of qualifying deposits for over the limit in a month and theyve never given me the bonus as promised. 

I recently made a similar claim but was mistaken on the amount of the bonus. The important thing is that it was a promotional bonus to open the account in the month that I did and they never gave me the bonus. I opened the account online and the promotional bonus was very clear stated on their webpage.
Product: Credit reporting or other personal consumer reports

Dear Equifax I have contacted the furnisher who placed these inaccurate inquiries on my credit report. I asked them to provide me with proof that I gave them authorization to pull my credit report. As of today, they have not provided with the proof that is required. Because of that they had no permissible permission to pull my credit reports. 

After researching on the internet, it states a company needs authorization to pull a consumers credit report. This company did not have that authorization. They have violated the law, and I will hold them accountable. Because of their violations, Im asking your company to follow the law and delete these unauthorized inquiries Here are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Furnisher comments on my report are inaccurate. Please contact the creditor and have them fix this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Furnisher comments on my report are inaccurate. Please contact the creditor and have them fix this. 

30 days should be enough time for you to complete your investigation on this matter. Also, once you have finished your investigation, please supply me with a full credit report and not a partial one. Im tracking all letters sent and received from you. If these inquiries are not deleted, then I press forward with complaints to the Attorney Generals Office and the Consumer Financial Protection Bureau. 

Good day. 

CC : FTC
Product: Credit reporting or other personal consumer reports

Im not able to login to my account on TransUnion website. The message from the TransUnion said : We Are Unable To Complete Your Request. TransUnion customer service refused to provide me with an access to my online account. They said TransUnion Corporate office blocked me. I called customer service several times but they are not able to fix the problem. The agent told me that TransUnion deactivated my account because Im from XXXX. This is harassment and discrimination. Shame on your company, TransUnion!
Product: Debt collection

This debt was already investigated by all 3 credit reporting agencies and deleted
Product: Debt collection

The first call is to a number I do not have listed with any creditor. 

On XX/XX/2023 at XXXX, I received the first call from Credit Corp Solutions trying to get ahold of me from the number XXXX. I informed them that I would not be verifying any information and that they should communicate via mail only and that any attempts to contact me by any means would be a violation of the FDCPA. The caller then got aggressive trying to get me to identify myself and to find out if I knew the debtor. I informed him once again he is violating the FDCPA by continuing the call then I hung up. 

On XX/XX/2023, my mother received a phone call from ( XXXX ) XXXX at XXXX. The person on the phone refused to give their name and company then continued to badger her into giving them my information. I told her to hang up and I will call them back. At XXXX, after doing research, I called them back to see who called. I spoke with XXXX XXXX XXXX XXXX XXXX and informed her that her company has violated the FDCPA by continuing to make calls to others to get ahold of me in addition to harassing my family. I informed her that they only had my permission to communicate with me via mail only. She remained quiet so I hung up
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C. 1681 section 602 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

VALIDATION CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX I am writing to verify that you have the right individual and to request that you provide documentation confirming this. 

Please supply me with a contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information. 

1.The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof the the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting this debt until you have provided validation of the debt.

Additionally I request that you do not access my credit report or report anything to credit bureaus.

I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I most recently have gotten back my results from a dispute I have opened up about the following account on my credit report. " ACCOUNT # XXXX XXXX/XXXX   XXXX XXXX ''. The dispute confirmation number is XXXX. This account has yet again come back " verified & update '' despite the fact that I sent it a letter from the company stating that it had no contract with my signature on it linking me and proving that I am responsible for this alleged debt that is still on my credit report, bringing down my credit score and had cause a decrease in a line of credit I have with XXXX. 

I would like to know how was this account investigated? I would like to know to what methods was this account investigated and verified and updated? What human person at this company did someone from Equifax speak to and confirm that there is indeed documentation and a binding contract with my signature on in proving I am the one whom indeed opened, used and accrued debt on this account? 

I am again to believe that Equifax has broken FCRA laws and not done a complete and thorough investigation in to the validity of this account. I am to believe that yet again after another dispute with backing documentation, Equifax instead used the XXXX   system to yet again verify this account. 

As this account was wrongfully verified I would like it immediately removed and deleted from my credit report. Also for each time I disputed this account, whether it been by mail or online, I would like to be shown, IN FULL DETAIL, how each of these disputes came back verified or updated. If i am denied this information I will see the as yet another violation of the FCRA as negligent and willful noncompliance by Equifax. 

I intend to bring suite to Equifax, for multiple FCRA infractions and punitive damages they have caused me in pursuit of trying to get this negative account removed from my credit report.
Product: Debt collection

Reached out to the companies to try and get them to delete said debts off of my credit report as they were not authorized to report anything to my credit report by me. I did not sign any contracts with those companies nor have I owed them any debts. 


Commonwealth Financial- {$680.00} XX/XX/2021 This company has been reached in order to resolve this issue and the resolutions were unsuccessful.
Product: Credit card

Several times over the past year or two, ever since I have had a Citi XXXX credit card, I have been harassed by Citi about a possible 'fraud alert ' due to spending {$1.00} at a XXXX XXXX convenience store for a cup of coffee. Their continued text messages and voice mails - which cost me $ $ $ to receive - are annoying, and having my credit card turned down is embarrassing and completely unnecessary. 

I have asked them several times, through the message center of their web sites and via phone, not to contact me about a {$1.00} charge at XXXX XXXX. A customer service rep with whom I spoke said that she would put a note on my account not to contact me about such charges. Obviously, either she did n't put the note, or nobody bothers to read it. 

I have made numerous purchases of a much larger dollar amount at various stores and online, which they have not flagged as potential fraud. Yet at various XXXX XXXX stores, when I make a puny purchase, they decide it looks suspicious. Do they really think a scammer would steal my credit card just for {$1.00}?
Product: Credit card

I 've used the same AT & T Universal credit card for 15 years. Nine years ago, I was late on a couple of payments due to financial hardship caused when my ex-wife left me. As a result, the credit card company raised the interest rate to 29.99 %. I have since paid faithfully on time each month, and have patiently petitioned them to reduce my interest rate which, of course, they are unwilling to do. 

I complained to CFPB back in XX/XX/XXXX, and the credit card company temporarily reduced my rate to 21 % until XXXX. My rate is now back to 29.99 %. Today I requested a lower rate and was given the same old song and dance : " call us back in 6 months and we 'll see. '' Please help me.
Product: Debt collection

I have been disputing this account for some time now with RECEIVABLES MANAGEMENT ( RMP ). I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report from Equifax on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX in the file that Equifax maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Equifax challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my SocialSecurity Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Equifax Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested 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. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.
Product: Checking or savings account

The ATM malfunctioned and ate my money and debit card then shut down. Bank staff unhelpful. Been a full calendar week now. No resolution. Ive called daily expressing the urgency of the issue. No credit has been issued while they handle it and they havent figured it out still. I keep getting told maybe tomorrow. Every single day. For a week straight. TD flat out stole my money and is holding it until they get around to it. This is criminal and has had significant impact on me personally and my family now. We havent been able to pay bills. We never will use TD again.
Product: Checking or savings account

A fraudulent charge was made on our Bank of America checking account in the amount of {$6000.00} on XX/XX/year>. I received a text alert that the large charge had been made and that my checking account was overdrawn by almost {$5000.00}. I immediately contacted Bank of America and made the fraud claim. I was told that the fraudulent charge would be credited and the investigation opened. I contacted the merchant and was able to have them verify that the charge was fraudulent and attempt to stop the processing charge from clearing. Bank of America did not credit my account and left me with the overdrawn balance, which was then rolled onto a Bank of America credit card automatically. I have followed up every day since making the claim and have been told that the credit would be issued likely that same day or the next. The credit had still not been issued. The merchant has confirmed to me that the online charge was fraudulent and flagged by their own internal fraud department and the order was stopped. However they have not been contacted by Bank of America to confirm as much. Bank of America told me today that the claim was first escalated at my request on XX/XX/year> and that there is nothing they or I can do to expedite anything. In fact, the customer service representative I spoke to at Bank of America on XX/XX/year> was the one that told me she didnt know why this claim wasnt escalated immediately upon making it and that it was clear that this charge should have never gone through based on my account and security settings. I have verification from the merchant that the charge was fraudulently made by someone that used our debit card number, but was made in another name entirely. Bank of America has done nothing to verify this charge was fraudulently made and will not issue me the credit for the amount.
Product: Credit reporting or other personal consumer reports

I am writing to express grave concerns regarding the handling of my personal information by your agency, which appears to be in direct violation of the Fair Credit Reporting Act ( FCRA ) and its associated regulations. As outlined in Section 602 ( a ) of the FCRA ( 15 USC 1681 ), there is an explicit need to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a deep regard for consumers ' privacy rights. XXXX, being consumer reporting agencies, are bound by this mandate. As a consumer, I assert my right to safeguard my private information from unwarranted disclosure. Furthermore, Section 6801 of the FCRA ( 15 USC 6801 ) underscores Congress 's policy that financial institutions must affirmatively and continuously uphold the privacy of their customers ' information. The entity furnishing information to credit agencies falls under this category of financial institutions. It is imperative that my personal data is handled with the utmost care and confidentiality. In accordance with Section 604 ( a ) ( 2 ) of the FCRA ( 15 USC 1681 ), consumer reporting agencies are only permitted to furnish consumer reports under specific circumstances, notably with the written instructions of the concerned consumer. Neither XXXX nor the furnisher of information to credit agencies have obtained my consent, written or otherwise, to furnish my information. Therefore, any prior consent given is hereby revoked. Moreover, Section 6802 ( b ) ( c ) of the FCRA ( 15 USC 6802 ) mandates that financial institutions must inform consumers of their right to exercise nondisclosure options regarding their nonpublic personal information. However, I was never notified of this right by the furnisher of information to credit agencies. Additionally, Section 1681c ( a ) ( 5 ) of the FCRA prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. It has come to my attention that an adverse item is being reported without my consent, contravening the law. Furthermore, Section 1681s2 ( a ) ( 1 ) of the FCRA stipulates that information furnished to consumer reporting agencies must be accurate, and Section 1681e mandates that these agencies maintain reasonable procedures to avoid violations. It is evident that XXXX are failing to meet these statutory requirements. Lastly, as per 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services effective immediately. I demand prompt action to rectify these violations of the FCRA and related regulations. I expect confirmation of the deletion of the accounts listed and assurance that my personal information will be handled in accordance with the law moving forward. 

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

To whom this may concern, on XXXX, XXXX I sent In dispute letters to all three credit bureau 's XXXX, Transunion, and XXXX stating the inaccuracies that are reporting on my consumer report referenced from the FCRA & consumer laws asking them to remove the inaccuracies and to send me a updated report with the correction made. I never received the updated credit report/consumer report with the corrections and the inaccuracies are still reporting inaccurate on my consumer report. 
According to the FCRA everything on the consumer report should be factual and accurate across all bureaus and that is not the case as of today XX/XX/2023. I feel like I'm being mistreated and bullied of my rights as an American citizen as these inaccuracies are still reporting. I'm being hinder from financing from banks and lenders, as well as unable to secure a job to take care of my family of XXXX all under XXXX. As hard as it is already being a single XXXX XXXX XXXX XXXX in America these inaccuracies on my credit report is a barrier from achieving success, securing a job and taking care of my family. I need immediate help to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX student loan lender, Georgia Student Finance Authority, has refused to stop reporting late payments to my consumer credit report ( XXXX ). My XXXX XXXX bankruptcy was filed XX/XX/XXXX and discharged XX/XX/XXXX. This account is listed on the Certificate page of the bankruptcy. This debtor received a mailed and electronic copy of the my XXXX XXXX bankruptcy and did not show up to court hearings. Therefore, any monetary negotiations between me and the lender are null and void. Under federal law, XXXX XXXX bankruptcy does not require repayment. No worthy assets were available to repay debtors. I have emailed, spoken to representatives, faxed, and mailed GSFA several times over the last year regarding GA Student Finance Authority 's unlawful behavior.