23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a payment on a Comenity Bank branded card due XX/XX/XXXX. I was unable to make a payment until XX/XX/XXXX ( I scheduled for the next due date ). Between XX/XX/XXXX and XX/XX/XXXX ( I stepped in on XX/XX/XXXX ) the card services called from an actual number at least XXXX times per day, and from a " No Caller ID '' auto-dialer ( a rep who I spoke to on XX/XX/XXXX ( and then still continued to call ) confirmed they were auto-dialed ) at least XXXX more times. I think this is in violation of certain CFPB guidance. Today, XX/XX/XXXX, I spoke to a rep named XXXX and told him all of this and to cease and desist. I then received an auto-dial call after that from XXXX XXXXXXXX XXXX. This is all over XXXX {$35.00} payment that was ( at time of original calls ) only XXXX days past due. Seems a bit over the top.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning on XX/XX/XXXX, I've sent numerous notarized written documents to Transunion advising of my dispute and requested validation of a closed XXXX collection account - XXXX that was being reported on my credit ( verified/certified proof of USPS delivery on XX/XX/XXXX attached ). Transunion simply kept returning copies of my credit report with a statement they reached out to the creditor each time I requested and the account had been verified. No other information was provided as to the process of verification and no validation documents were ever remitted. On XX/XX/XXXX, I filed a complaint with the CFPB ( Complaint XXXX ) against Transunion for violating my rights under the FCRA. Shortly thereafter, I FINALLY received a letter from XXXX, dated XX/XX/XXXX, advising they received my request for validation and they have enclosed documentation as it relates to the account referenced above. The enclosed documentation was 3 months of CURRENT XXXX bills. There was no validating information such as my signature included. I contacted XXXX on XX/XX/XXXX and verbally verified they had in fact received my dispute. If Transunion is truthful in that they were in fact sending the disputes to XXXX since XX/XX/XXXX, XXXX is in violation of the FCRA. If XXXX ONLY received the request for validation after my CFPB complaint, Transunion has been deceitful and in violation of the FCRA as they have previously claimed in several written documents ( as well as recently in their official and public response to CFPB Complaint XXXX on XX/XX/XXXX ) that Each source we contact is provided all relevant information regarding your dispute, including your letter and all documents provided by you at the time the dispute, and is requested to verify the accuracy and/or completeness of the information reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjusters is reporting inconsistent and inaccurate information on my credit reports which is greatly affecting my credit score and is in violation {$1000.00} per violation with the FCRA. Ive disputed this account before and yet this account continues to report the inaccurate information. For example it reports the Date Of Last Activity for XXXX  is XX/XX/XXXX while for XXXX  reports XXXX/XXXX/XXXX. This is a violation of the FCRA by this account has be ILLEGALLY re aged the account showed closed back in XXXX and thats supposed to be the last active date. This account also shows that its closed but yet with XXXX  also shows late 120 days. This is another violation by an account that is close ended can not be late unlike open ended credit card accounts per the FCRA. Ive disputed this account before with XXXX  back in XXXX of XXXX but yet on the report it did not update the date reported which shows XX/XX/XXXX which is a violation of the FCRA by its suppose to update the account status each time its disputed. XXXX  shows the last payment was XX/XX/XXXX and XXXX  shows XX/XX/XXXX. If all the credit bureaus are getting their information from the same company how is it that theyre reporting different information. XXXX  as well has inaccurate and inconsistent information which will be attached
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, PA XXXX FTC Report Number : XXXX Account Name - XXXX XXXX XXXX Account Number - XXXX To Whom It May Concern, On XX/XX/2023, disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/2023 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. Which you never notified me. Please show me a certified copy of the letter you sent to the address above within XXXX business days of this reinsertion. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I did a consumer credit transaction pursuant to 15 USC 1679a with XXXX. Pursuant to the federal Reserve Act section 16 part 1 & 2 I gave them a security collateral. They asked me for a down payment and I requested them to put the downpayent In the finance charge pursuant to 15 usc 1605 finance charge is the sum of all charges. XXXX breached the contract non performance by accepting my security collateral but failing to release my credits. I advised to XXXX that I have the capacity to contract but they fail to adhere to my letter of tender instructing them to utilize the security collateral to release the credits thats owe to the principal, instead they kept and benefited from my consumer credit transaction.
Product: Debt collection

I worked with XXXX XXXX XXXX for over 5 years to resolve all of my debt. That ended 3 years ago. The debt is no longer a part of my credit bureau report. I have told this collection agency to stop calling me months ago. They continue to call me every day now. XXXX tried for five years to work out a debt payment plan. They refused and denied the debt. I have tried to get them to stop calling but they continue. Portfolio  XXXX are harassing me daily and causing great anxiety.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting of a late payment by KOHLS/CAPONE to the credit bureaus. Despite my efforts to maintain timely payments, a payment has been falsely reported as late. This error is unjustly affecting my credit score and undermining my financial standing. I have reviewed my records, and it is clear that the payment in question was made on time. Yet, this incorrect information continues to appear on my credit report, limiting my ability to secure credit and causing unnecessary stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX accounts with DPT EDXXXX XXXX and XXXX. This has caused me tremendous XXXX, XXXX, and financial hardship.
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of human trafficking of XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6
Product: Vehicle loan or lease

Exeter Finance is my loan company. I made a payment of {$1000.00} on XXXX and wanted it applied to principal only, aside from my payment that was due on XX/XX/30, that was paid on time as well. I called on XXXX to make another {$1000.00} payment and again asked for it to be applied to principal only, again, aside from my regular payment due on XX/XX/30. This finance company refuses to take my additional payments and post to principal only. They say they are obligated to take this as a regular payment and only a portion with be applied to principal just as the regular payments are done.
Product: Checking or savings account

My wallet was stole on XX/XX/year>, I received a fraud alert text messages from JP Morgan Chase at XXXX PM said there was fraudulent transactions on my card. I denied these charges, and submitted a request for a new debit card. Chase reversed my charges for {$200.00} temporarily while doing an investigation, and has now reversed the charges because the are claiming the transactions are valid, despite they fact my card was stolen and they sent me messages regarding fraudulent activity on my card.
Product: Checking or savings account

Wells Fargo is performing illegal false advertising by claiming to gve a {$320.00} bonus upon signup and not giving it to there customers. On XX/XX/XXXX I signed XXXX the offer shown below ( which as you can see doesnt have a bonus code ) by logging into my online account. I met all the requirements ( direct deposit of at least {$1000.00} and maintain minimum balance of {$500.00} ) Wells fargo however did not give me the promised {$320.00} and gave as a excuse that I did not input a bonus code. ( As ypu can see from my screenshot there is no bonus code )
Product: Credit reporting, credit repair services, or other personal consumer reports

Received multiple credit inquiries on my account that were not made by me. Here is the list below. Ive put a freeze on both my XXXX and Experian credit reports as of right now. 

XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXXX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy cases, I have three bankruptcy cases still showing on my XXXX, Experian reports, to where's XXXX  have removed all three cases, so my complaint is bankruptcy cases does not report monthly therefore they should not be on my report as a status, have the reporting companies investigate this as a complaint matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I pulled my credit report from XXXX  and Experian and to my amazement, saw that a creditor was reporting me as a charge off. I immediately sent a dispute letter via certified mail dated XX/XX/2021 ( Tracking # : XXXX ) to validate this debt. I never received a written response to this inquiry. 

After not receiving a response, I disputed this information with XXXX  and Experian directly. I got a letter back about three months past my original inquiry date stating that my debt was verified. However, this debt is still not validated per the requirements of the FCRA.
Product: Checking or savings account

As of XX/XX/XXXX There was a balance of {$6.00} left on my account, I'd left a small amount on my account and stopped using it however I did not close the account. Overdraft had been opted out since XX/XX/XXXX. On XXXX and XX/XX/XXXX Bank of the west allowed my account to overdraft and applied related fees to the total amount of XXXX. I did not receive any notices that my account was over drafted and did not see this until it appeared on my credit report and crashed my score that I'd have been working on improving for the last XXXX years When this appeared on my credit report I tried to contact bank of the west XXXX different times and was hung up on in both instances. My account should have not been allowed to overdraft as the feature was turned off.
Product: Bank account or service

On XXXX XXXX, 2016 I filled out a survey for XXXX to receive a free XXXX player. Once completed there was a {$2.00} shipping fee, which I paid using my Opt+ XXXX card. Within seconds I received a text for a charge from XXXX charging my card {$37.00}. I immediately called my bank to dispute the charge. I told the bank that I had taken a survey for XXXX and was only supposed to pay a {$2.00} shipping fee and apparently this XXXX company stole my card information. I told the bank I do not know this company and I did not order anything from them. No where on my receipt, that I printed out and sent to the bank, does it say anything about XXXX. It says the receipt is for an XXXX player. The bank then sent me back a bunch of XXXX that XXXX sent to them that I have never seen before. Even XXXX told them that I was filling out a survey for a free XXXX player, that I never ordered their product and that they never sent me anything. XXXX told me that they sent a chargeback to my bank however it was never put back into my account. Now granted {$37.00} is not going to make or break me, it 's the principle. Opt+ should be looking out for my best interest not XXXX XXXX. Again, I do not know this company, I never ordered anything from them, I never received anything from them and I want my money back.
Product: Vehicle loan or lease

Regional Acceptance Corporation is claiming I owe a debt {$13000.00} however they have not showed verifiable proof that the debt belongs to me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Regional Acceptance Corporation is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof from Regional Acceptance Corporation ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed above. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, and you must not place this account on my credit reports. I demand Regional Acceptance Corporation cease and desist all collection activities on this account and remove this account off of my credit reports immediately.
Product: Money transfer, virtual currency, or money service

I have been XXXX holder since 1 year. 
The CEO, XXXX XXXX said XXXX is safe and secure, safer than the bank!!! 

I put my crypto money on my XXXX account, XXXX XXXX $ Now its impossible to withdraw my crypto money from XXXX, XXXX has stolen my crypto. 

I want my crypto back. 

I am from XXXX, its a bad image of the US, if there is no solution to give back the money to the XXXX users. 

I have chosen celsius because its hold in the US, Iwill not choose it if it was in XXXX. 

Thank you to do the best,
Product: Credit reporting or other personal consumer reports

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX please remove any other name from my file they are not right ( XXXX XXXX XXXX 
My address is XXXX XXXXXXXX XXXX  XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXXXXXX XXXX  XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020. US SM BUS ADMIN ODA, pulled my credit without my consent and Experian put it on my report. This is considered fraud, unlawful, and identify theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been very patient with the credit reporting agencies in regards to a late payment that is being reported on my credit file which is inaccurate. The late payment from creditor XXXX XXXX was reported in XX/XX/2021. I've reached out to the creditor directly and they've also stated there was no late payment on their end from me. I've reached out to the credit bureaus MANY different times and have either gotten hung up on after waiting on the phone for hours, have been told they haven't received any of my letters, or that the investigation is still under review. This has been an on going thing for months where the bureaus are dragging this out and continuously reporting information that's incorrect on my credit file. I've written multiple letters back when I first noticed the late payment reported, a letter in XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year. Its frustrating knowing that its inaccurate and Im powerless in resolving it. They've been pushing the investigation back for months, giving different answers, or hanging up when I get through to someone. I work 58 hours in a week and getting drained doing this. They've had plenty of time for the investigation. Its been way longer than 60 days! They can not keep taking advantage of me like this. PLEASE HELP!!
Product: Debt collection

I would gladly pay this debt, if I could send a check to an address and be done with it. They want me to do a payment over the phone ... .never. 
Have this debt collector contact me thru the MAIL and I will pay the debt, WHETHER or not I owe it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received a letter from First Continental Mortgage Representing Law Firm in XXXX, Texas and they are threatening to foreclose my home and throw me on the streets of XXXX, Texas with my XXXX Lifetime. The Law firm also want s to collect {$250000.00} and put a Lien through XXXX XXXX Courts. 
First Continental Mortgage and its business partners XXXX XXXX XXXX XXXX, Texas, XXXX XXXXXXXX XXXX and First Continental Mortgage are all in Fraud alledgations in stealing the Federal Veteran Administration around {$240000.00} on XXXX XXXX and now First Continental Mortgage is trying to send me to court to collect {$250000.00} and put my home in Foreclosure to cover up on my VA Loan. 
VA Lender does n't care about our US Military Veterans and does n't care about our XXXX Citizens and Military Veterans. 
First Continental and XXXXXXXX XXXX representing Attorneys XXXX XXXX has started court procedures in Texas with a case # XXXX This why First Continental Mortage and XXXX XXXX XXXXXXXX has been doing since XXXX XXXX VA Loan Modifications in prolonging for time to Foreclose my home and collecting {$250000.00} I am XXXX Lifetime and XXXX  and XXXX and I live alone in my home since XXXX XXXX. 
There is a major Fraud with my VA Loan and purchase process that needs to be Investigated by Federal Government. 
First Continental Mortgage, XXXXXXXX XXXX and Investors and Attorneys of XXXX XXXX knows about my Bankruptcy Chapter XXXX that was filed on XXXX XXXX and it was Discharged by Federal Judge in XXXX, Texas on XXXX XXXX. 
Is this how financial institutions treats our US Military Veterans and XXXX Citizens in America. 
I am contacting Journalist XXXX XXXX on my story to be televised Nationally and with XXXX.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX at XXXX i went to the capital one atm located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to withdraw some cash in the sum {$670.00} and the atm retained my funds because the dispense tray door didn't open and an message came across the screen stating i wouldn't be charged but I was debited the {$670.00} and I contacted and visited capital one to no resolution
Product: Debt collection

They keep calling constantly to collect a debt at any time of day or night. It isn't a person it's an automated call. I'm blocking the number and I'm getting thrashed with calls anyway.