23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

keep receiving numerous calls daily from  XXXX   Absolute Collection Corp  or they use different numbers to call. They have called people that I have never used as a reference  ( my ex-husband which we have been divorce for 17 years ),  my ex-mother in-law, my job, my siblings and even my   XXXX    kids. They leave threatening message about having me arrested and that someone is coming to the house at a certain time and I better be there. they told my ex-husband they had repo my ca r (  not true ). My family is worried and I am concern they will give them money thinking they are helping me. I have told these people before to leave my family alone, but they do n't. I receive calls 7 days a week and they are now contacting me at work. I called the police and an officer came and tried calling the number and they hang up. They have no right to disclose my personal information and call people I have no contact with or provided the information to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid off and I do not recognize all these delinquent reports on my credit report.
Product: Debt collection

hi - everyday i receive calls from southwest credit systems, XXXX for someone else to my tel # listed in desired resolution field. they call every day sometimes 3 times a day starting before XXXX. they were told a year ago the person they are trying to reach does n't live here. i am a senior citizen and this is n't right. Now they call and ring three times and hang up if i do n't answer. It is harrassing they call me for a debt i do not owe. 
collection tele # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XX/XX/2022 from ChexSystems. There are several names, addresses, an email, and telephone number associated with the Consumer Id # XXXX. XXXX XXXX & XXXX XXXX XXXX have alleged debts associated with my Consumer Id. 

What name is associated with these accounts? 
What address is associated with these accounts? 
What Social Security Number is associated with these accounts? 
How was this information verified to be accurate?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a response from Equifax reporting agency stating that unverified information is accurate and will continue to report information after it was updated. According to the FAIR CREDIT REPORTING ACT 15 USC 1681-1681 which is a federal law, all unverified information must be deleted. All third party debt collectors has to show proof that the debt was actually agreed upon, basically having to show an legal agreement and not a copy of an agreement that was with the actual creditor. If unverified information remains on my report without legal proof of agreement from the third party can result to legal action against Equifax for reporting illegal information on my report under federal law. This demand also goes for XXXX and XXXX as well. 
I demand a reinvestigation of unverified accounts under federal law. 
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: Debt collection

The amount is XXXX This company calls my work phone daily very rude and harassing me.This company has threatened me to take me to court and again garnish my wages. This daily harassment has caused an increase in my anxiety at which I am now taking medications to help me to manage the symptoms of anxiety. 

They have also hit my credit report over and over. Very rude people
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out today, XX/XX/XXXX, that my credit and social security number may have been compromised during a data breach at Equifax that occurred on XX/XX/XXXX. Not only did they NOT let consumers know of this breach until yesterday, XX/XX/XXXX, they advertised a site that they set up where we could check if our data was breached and sign up for a protection service.
I went to this website, www.equifaxsecurity2017.com, and they required that I fill in vulnerable info ( part of my SSN ) and my last name. Then I received a message that my info may have been breached and to come back on a later date to sign up for their credit monitoring service, which would only be free for one year.
They did not let me set it up to automatically protect myself, nor did they concretely tell me if my info was compromised. When I called, they recommended I sign up for their XXXX/mo monitoring service, DESPITE advertising free protection.
Product: Debt collection

I, XXXX XXXX, am submitting this complaint for myself without the use of any third party. This is a response to complaint XXXX. My complaint is that " Wells Fargo '' has grossly neglected their civil duty to I, the consumer, by not providing proper disclosures and refusing to verify an alleged debt they are collecting on pursuant to federal law 15 usc 1692g. " Wells Fargo '' has sold my non-public information without any disclosures, and have also seized my property. I have evidence of all of these damages which can be found in my exhibits. I have also made all of these claims under an affidavit of truth, under penalty of perjury. " A complaint alleging negligence must contain the following elements : ( 1 ) That the defendant was under a duty to protect the plaintiff from injury, ( 2 ) that the defendant breach that duty, ( 3 ) that the plaintiff suffered actual injury or loss, and ( 4 ) that the loss or injury proximately resulted from the defendant 's breach of the duty, '' [ XXXX XXXX XXXX XXXX XXXX, 898 F. Supp. 2d 912, 918 n.4 ( D. Md. 2012 ) ( quoting XXXX v. XXXX XXXX XXXX, 916 A.2d 257, 270-71 ( Md. 2007 ). " Wells Fargo '' owes me a duty because " banks owe a duty of 'ordinary care ' in all banking transactions wherein a bank wrongfully disburses funds. '' Opp'n 2, ECF No. 16-2 ( citing Md. Code Ann., Com. Law 3-103 ). I have, and presented, evidence that " Wells Fargo '' has breached such duty by the reckless use of my private information and violations of FDCPA, TILA, and FCRA. I have evidence that I have suffered a loss of my property, an injury of my reputation, character, and equity. I have, and presented evidence that all of these damages are arising from the fraudulent behavior from " Wells Fargo ''. I also now have proof, which can be found from " Wells Fargo '' last correspondence from XX/XX/XXXX2021, that " Wells Fargo '' is intentionally, grossly neglecting my complaint in the face of legal evidence which can be found in all of my exhibits, when they state " You expressed concerns regarding the validity of your loan. Since no new information was received, our position remains unchanged. '' It is a fact, that " Wells Fargo '' has received new information, and have yet to properly respond to the first. " Wells Fargo '' has been addressed in the form of an affidavit ; any response not in such form may result in a default judgement. I am willing to settle this dispute. Nonetheless, any more false information from " Wells Fargo '' will lead to me to pursue litigation against " Wells Fargo '' in the proper federal court for multiple violations of my federally protected rights in the face of evidence.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act account ,XXXX has violated my rights 15 U.S.C 1681 SECTION 602 A STATES I HAVE RIGHT TO PRIVACY.

15U.S.C 1681 SECTION 604 A SECTION 2, IT ALSO STATES A COMSUMER REPORTING AGENCY CAN NOT FURNISH An ACOUNT WITHOUT MY WRITEM INSTRUCTIONS.
Product: Credit card or prepaid card

So i have been dealing with fraud charges that were taken from my account and have had the worst experience with Bank of America prepaid, so much has happened with their negligence that there isnt enough room for my to type but, so basically i have called to file a claim for fraud charges to my account, and everytime. They leave abunch of charges out which makes me have to file new claims, and they keep leaving charges out of them, and they say they cant tell me which charges are on which claims so i can know what was left out, so i went through my statements and wrote down every single fraudulent charge and the total comes out to {$14000.00}. And as I mentioned I have had to file about 12 claims because of how the fraud department has been horrible handling this in which I have complaints against, but the total they have paid back so far is {$8500.00} through 11 claims i believe. Leaving {$6100.00} still owed to me and I currently have an active claim that's been denied once and I put in for reconsideration, and I would like to add probably 99 % of the claims I filed were denied at first but when I put in for considerationS, they end up finding them in my favor, but the claim still being reconsidered is claim # XXXX for the amount of {$4300.00} which still doesn't cover the remaining balance still owed to me... Now I want to also point out that this has been the worst experience with any business I have ever had, and dealing with the claim department and process is absolutely a night mare, I called soo many times to have to reconsider claims that were fraud, just to call back a week or 2 later to check in on claims to find out they never even filed a reconsideration, they leave out charges all the time, and I even HAD A MANAGER CALL AND THREATEN ME ON MY CELL PHONE AFTER GETTING OFF THE PHONE WITH HER. I filed complaints and I don't feel safe knowing she has access to my social security number, my home address, and banking information and accounts.I HAVE ATTACHED XXXX ATTACHMENTS THAT INCLUDE ALL OF MY FRAUDULENT CHARGES SINCE BANK OF AMERICA HAS LEFT OUT SO MANY CHARGES ON DIDFERENT CLAIMS AND WONT TELL ME WHICH CLAIMS GO TO WHICH CHARGES SO I CAN FILE A CLAIM FOR THE REMAINING SO I HAD TO INCLUE THEM ALL..AND IF YOU NOTICE, EVERY SINGLE CLAIM BEFORE THIS OPEN CLAIM IN RECONSIDERATION BECAUSE IT WAS INITIALLY DENIED, BUT ALL CLAIMS BEFORE THIS WERE DECIDED IN MY FAVOR AND THESE ARE ALL THE SAME TYPE CHAEGES AND ITS HORRIBLE THAT I HAVE BEEN DEALING WITH FIGHTING TO GET MY MONEY BACK INTO MY ACCOUNT..
Product: Debt collection

Medical Data Systems Inc has not validated the debt and the debt does not belong to me. Medical Data Systems Inc is in violation of the Federal Debt Collections Act pursuant to 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Medical Data Systems Inc please Cease and Desist pursuant to Federal Debt Collections Act 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; Immediately remove the collection account from my credit report. Medical Data Systems Inc has not validated the debt and the debt does not belong to me. 

The account is on my credit report from your company. Please remove the account immediately as the debt does not belong to me.
Product: Debt collection

My contract with XXXXXXXX XXXX was held for {$2600.00} for Equipment paid in full following negotiations with a third party and XXXX requirements ( paid XX/XX/year> ) to have equipment paid off in order to cancel service with my ( suspended until resolved or 12 months-end date XX/XX/year> ) XXXX account but account is still being charged and sent to a third party collections for non payment on an account that has been paid in full and requested to cancel for several months
Product: Credit reporting or other personal consumer reports

I have multiple hard inquiries on my credit report some of which I do not recognize XXXX of them being from XXXXXXXX XXXX  and another one being from XXXX XXXX. After calling XXXX XXXX, and trying to dispute the inquiry, I was informed that I would not be able to since I do not have a formal account with them. I called XXXX XXXX back again to inform them and see if there was anything that we could work out and I was told to file a complaint for credit card fraud as it might be someone using my information to make an account with these banks.
Product: Debt collection

Bank of america, my employer, has taken money directly from payroll ( both erroneous ) without notice, or due diligence. Other employees receive overpayment coupons. Being XXXX, the bank directly appropriated my pay, leaving me facing and having to go through an eviction. Several recorded calls " this shouldn't have happened. '' I have XXXX. I even wrote the CEO. Yesterday, as I even HR, " I'm in XXXX failure, without notice, and after deduction from payroll, the bank shut off my FSA card. No explanations. XXXX XXXX himself, and no response. " They '' just manipulated my check again. I asked a judge, and that type of collection would require a writ of garnishment or notice. Since the bank does it's own payroll, our CEO gets a tax break, while I'm almost out on the street.
Product: Payday loan, title loan, personal loan, or advance loan

Per the FCRA, Im entitled to a complete and accurate credit report. Upstart is not abiding by these requirements on 2 accounts. There are multiple inaccuracies that Ive tried to dispute and reinvestigate with the credit reporting agencies that keep coming back as verified per the FCRA. Upstart is reporting an inaccurate date opened and last date active on both accounts. I demand for Upstart to delete BOTH inaccurate accounts from my credit report.
Product: Debt collection

I lived in Apartment XXXX for 2 years ... when my contract ended, I decided to move in apartment XXXX ... I paid all my dues to move in. After two weeks, I was a victim of XXXX. I could never get in touch with the manager so, I spoke to his secretary to find out what I needed to do to exit my lease because it was an unsafe place for me and my children. The secretary at the time was XXXX.. she called me back and said because I have n't live there long, I only had to pay XXXX . I paid the moneies. 3 months later after I left, the manager FINALY called me and told me I had to pay 2 more months of rent ... I explained to him that I was n't told that ... I asked if I could arrange a payment plan and he told me I could n't do it with him. He also told me I had to wait til the collection company contacted me! I asked why when I 'm trying to work out a plan with him! After he hung up, I tried calling him for TWO months to work out a payment arrangement. I found out later that they rented the property out to someone else. How can they rent it out and I 'm STILL liable for the payment! I ended up settling with the collection agency for XXXX $ but now I want my money back AND for the negative info to be deleted off my credit report! They would n't even give me a chance to pay it! I had to leave the city because of the XXXX situation so, phone was my only way of contact with them.
Product: Credit reporting or other personal consumer reports

Let me start by saying I have religiously checked my credit report for years. I have 100 % payment record across all accounts. I previously had a student loan through XXXX XXXX. That loan was transferred to a company Called XXXX. I had forbearance on this loan and was unaware there was a payment issue as the previous account was on an auto pay. The late payments didn't hit my credit report until they were 120 days late. There was little to no communication from XXXX on this. The account contact information was all wrong besides telephone number. They never called and left a voice mail at the contact number provided or the secondary contact phone number on file. All 3 credit reports show a good standing for the months in question but now my credit has dropped XXXX points. I paid the account in full and closed it out but they wont budge on credit reporting. It feels predatory the way this has all unfolded. They admitted they could have been better at making contact over the debts and I was free to dispute them. I know there is no way I was the only one caught off guard by this and I think something needs to be done and everyone needs to be aware XXXX XXXX borrowers have been sold to this company we weren't aware had our loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act This Account XXXX XXXX Bank as violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. 
have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Product: Money transfer, virtual currency, or money service

Bank didnt help. Didnt ask for proof didnt do anything told me to take a hike
Product: Vehicle loan or lease

Credit acceptance is not updating information or reporting payments and chargeing illegal fees and not fixing accounts and adding fraudulent interest
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was used for fraudulent activity for the purpose of loans witch i never authorized.Or have knowledge
Product: Money transfer, virtual currency, or money service

On XX/XX/18 I submitted a transfer for Bill Pay through Western union at a XXXX Kiosk for {$200.00} and wanted it sent urgent for an additional amount of {$9.00}. I paid cash and was given a receipt for the transaction and a tracking number. A few days later I realized the payment never posted and when I checked the status online my payment was placed on hold and I was to contact Western Union customer service. I was told to return to XXXX to have them call as well, then told to wait 48 hours. After 48 hours I returned and was told to wait another 48 hours for a full refund. During that time I filed a complaint via email to western union and was told I could return to the store to have XXXX refund me. Once again this did not work. Somehow there is a breakdown between the 2 companies. Western union claims XXXX owes me and XXXX is saying Western Union needs to provide a tracking number so that I can get a refund. The money was sent from XXXX so the mistake appears to be on Western Unions end but they have not budged and I keep getting the run around as they investigate then prematurely tell me to return to XXXX for a refund. It has been 5 days since I initially contacted them for a refund and was given a case number. I was finally able to find a member for the corporate office and spoke with someone who is forwarding my case. I should hear from someone in about 2 business days which since its Friday, means at least another 4 days before I can get my money back. Considering the run around I've been given all week, I'm not hopeful corporate can help me because they still have to contact the same people who investigated in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( Account, XXXX XXXX  Account # 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
Product: Bank account or service

On or about XX/XX/2016, I put money into a safety deposit totaling {$26000.00} in cash. On XX/XX/2016, I returned and the money was gone. I complained to PNC Bank at XXXX, IL XXXX. XXXX. I went in person and complained to XXXX, bank manager. He told me to get a police report.
Product: Credit card or prepaid card

Bank of America allowed someone to open an account in my name with out my authorization on XXXX. I contacted B of A, and they suspended the account. I demanded that they cancel the fraudulent and they said they would after their investigation was completed in 30-day 's. I've been reaching out to B of A to get an update but no one is responding. I'm filing a complaint with the CFPB, to assist me in getting this situation corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had child support misreported as in arrears and for incorrect amounts. Ive disputed with experian since XX/XX/XXXX, Ive also addressed the issue in the court child support is handled. Ive disputed with credit bureau because it is also supposed to force the state of Indiana child support system to run an audit on account due to the states and county agencies and clerks not providing detailed reports any of the times Ive contacted and my taxes have been offset to pay an over charged amount of arrears thats already been paid to my ex wife back in XXXX of XXXX and XXXX  XXXX. Ive submitted documentation to experian multiple times and every time they return the debt meets fcra when in fact Im not in arrears and am actually ahead on payments due to an additional {$25.00} weekly over my court order amount being paid.
Product: Credit reporting or other personal consumer reports

Recently I sent a complaints on my consumer report, on how I had inaccurate Information reporting! This account is keep updating INACCURATE INFORMATION and This is causing me harm and affecting my ability to purchase a house! 
According t

o 15 usc 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates to. And 1681i ( 5 )! 


PLEASE REMOVE THIS ACCOUNT SO MANY ERRORS REPORTING ON THIS ACCOUNT HOW IS THAT THIS ACCOUNT IS REPORTING AS A CHARGEOFF IN XX/XX/XXXX and was CLOSED SINCE XXXX of XXXX but still reporting ontime payment! Also in the comments section its reporting account closed by consumer but still reporting CHARGEOFF. 
Please remove from consumer report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I want this information to be completely removed from my credit report, it does not belong to me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Well the company has stolen my personal information to sell to credit bureaus and has refused to delete from my credit. As per United States, bankruptcy court. The United States Bankruptcy Court does not report any Information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Bankruptcy filings are publicly available records.with that bin said they are fraudulent reporting to Trans Union