23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX has been abuse and deceived with the use of unfair debt collection practices, where my right to privacy has been breached. BANK OF AMERICA, N.A. has cause injuries to me by violating the Fair Debt Collection Practice Act that was set into place to protect the consumer from such abuse. On XX/XX/XXXX BANK OF AMERICA, N.A. violated 15 USC 1692i ( b ) by filing sue against me the consumer. Pursuant to 15 USC 1692i ( b ) Debt collectors is not authorize to bring forth any legal action against the natural person ; the consumer. BANK OF AMERICA, N.A. violated 15 USC 1692c ( 3 ) by using representation of an attorney in connection with the collection of the debt. On XX/XX/XXXX BANK OF AMERICA, N.A. violated 15 USC 1692c ( a ) ( 1 ) by the issuance of a SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE without the prior consent of me the consumer given directly to them at an unusual time and place which known to be inconvenient to me the consumer. Also on XX/XX/XXXX BANK OF AMERICA, N.A. violated 15 USC 1692c ( a ) ( 3 ) by the issuance of a SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE without the prior consent of me the consumer given directly to them at my the consumer place of employment where such communication is so prohibited. BANK OF AMERICA, N.A. violated 15 USC 1692e ( 13 ) by issuance of documents titled SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE and COMPLAINT FOR DAMAGES are both false representations and implications of legal process.
Product: Mortgage

Initially submitted a complaint with the CFPB due to lack of help from MR Cooper in regards to help a few more months. Company giving me names of people to contact within the company and none returned calls. Im a XXXX veteran awaiting retro payment from the VA in excess of XXXX. Payment should be deposited by end of XXXX. Mr. Cooper has been calling me in excess of twice a day over the past 4 days with no messages left. If these people left a name and number Id call them back and explain the situation. Im finding these calls with no messages kind of harassing, just leave a message and Id call you back.
Product: Money transfer, virtual currency, or money service

I opened a PayPal account so my electric company could send me smart rewards every month. I also linked it to my checking account so I could transfer my balance periodically. PayPal verified my checking account and I transferred once or twice. I recently tried to transfer my balance and was alerted that my account had been limited. In order to resolve the limitation I am required to provide them a copy of a government ID with a photo, AND, verify my address, AND send them a copy of my bank statement. 

I think this is outrageous I see no reason they need that information, and am concerned about the security of having all that info on file. 

I called this morning and their customer service rep said I can not close my account while there is a balance ( I have {$20.00} credit ) and they will not allow me to transfer my credit until this is resolved ( ie : until I provide all the above information ). I don't care about the {$20.00}, but I do care about having a credit card and bank account information on file with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPT. TODAYS DATE : XX/XX/XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam ( if you know the name of the person in charge, the better ), This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX   XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX   XXXX  Inquiry from XX/XX/XXXX + Finance To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer credit file that is a direct result of identity theft. This item not related to any transaction completed by me. The company ALDOUS I have no idea who they are. My Social Security number, my date of birth, and other sensitive data has been compromised by all three major credit reporting agencies which include XXXX, XXXX, and XXXX XXXX and all three agencies have had data breaches. I have filed an FTC report and a police report with my local agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX in Washington state is trying to illegally charge me for carpet cleaning that is not beyond normal wear and tear for an apartment that I have vacated. This is illegal per RCW 59.18.280. I have asked these apartments multiple times for evidence that there was more than regular wear and tear in these units and they have refused. Instead, they sent me to XXXX XXXX XXXX who have placed derogatory marks on my XXXX, Transunion, and XXXX credit reports. XXXX removed the marks after I sent evidence that the debt being collected was illegitimate. However, on two occasions already I have sent Transunion evidence of this debt being illegitimate and they have refused to remove the derogatory marks, saying that their internal investigation " validated '' the debt. They sent me no evidence of this validation and closed my disputes.
Product: Debt collection

I recently checked my free credit report with XXXX  and noticed that there was a collection of debt for listed on my credit report. According to the credit report, the date assigned for this debt was XX/XX/XXXX for an original amount owed of {$2600.00}. After fees for collection, the total amount owed was brought up to {$3900.00}. I have continuously tried to get in contact with the collections agency that was in charge of my debt. Unfortunately, there has been no communication from the collections agency with me. Every time that I try to call and communicate with them, the call goes straight to voicemail. I have also tried emailing this company and no one has responded to any email I have sent. It has been impossible to communicate with them and I'm afraid that by not being able to talk to them, it is going to continue to hurt my credit score. 


XX/XX/XXXX : first learned of debt that had been sent to collections in XX/XX/XXXX from obtaining my credit report from XXXX. 
I have never personally received a phone call, email, or anything in the mail about this debt that has been in collections since XXXX. 

XX/XX/XXXX : Attempted to make contact with Premiere Credit of North America at XXXX XXXX with no answer. Was told to leave name and number and they would get back to me. 
Initiated another phone call at XXXX with no answer. 
Went on Premiere Credits website and listed my email and contact info on their contact us tab. 
Initiated another call at XXXX XXXX with no answer XX/XX/XXXX : Attempted to make contact with Premiere Credit once again at XXXX with no answer. 
Initiated a phone call at XXXX XXXX with no answer Decided to wait one week to hear from Premiere Credit before attempting to call again. 

XX/XX/XXXX : attempted to call at XXXX XXXX  and it went straight to voicemail
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern 15 U.S. Code 1681a - Definitions ; rules of construction. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit.

Now my concern is why my consumer report and credit report are talked in two different aspects. From the previously stated congressional statement the credit report cant exist without the consumer report. So the governing laws of the consumer report should govern the credit report as well.

Well there are violations on the way my credit report is being used without my credit consent. Looking deeper into the code 15 us code 1681a section 2 ( exclusions ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

My consumer report ( credit section ) has transactions and experiences between me the consumer and the person making the report. These accounts are in violation and need to be corrected in 10 business days from the time this notice In closing Im enacting on my consumer rights of having a accurate consumer report, that reflect my credit worthiness. This is a notice informing you of the error and chance to cure this error. Failure to cure will show civil liability for willful non-compliance. An as I stated Equifax, XXXX, and XXXX has done such without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing as an authorized user on someone else 's account ending XXXX with XXXX XXXX and this is being reported on my credit report. I have contacted the XXXX XXXX today XX/XX/23 asked they remove me as authorized user from this account immediately and provided all factual information to verify my identity-the representative failed to assist me and is forcing me to remain on a derogatory account that is reporting on my credit and is not mine. This is causing damage to my credit rating. The account belongs to XXXX XXXX and I am able to view all of his account details on my credit report.
Product: Prepaid card

My mother-in-law is older and loves to buy gift cards for us for holidays. I have another complaint opened against XXXX XXXX XXXX XXXX from XXXX but this complaint is for my birthday gift card, from American Express. The same XXXX  person purchased both and she did this after she was advised NOT to purchase the Vanilla Visa Gift card since we have been trying to use it without success for almost 5 months. This time, she purchased an American Express gift card. I took the gift card ( {$100.00} ) and tried to use it at XXXX XXXX XXXX for the XXXX XXXX XXXXXXXX pass, which cost {$80.00}. Transaction was denied. Attempted to use it at the XXXX airport for a t-shirt but the transaction was denied. Attempted to use it at the XXXX XXXX XXXX but it was also declined. Attempted to load it into my XXXX account today, it was denied. Attempted to use both XXXX XXXX and XXXX XXXX as recommended by online forums, also denied. Attempted to use the card for an XXXX transaction totaling {$70.00}. Also, declined. THIS IS AN INTENTIONAL NIGHTMARE. THESE PREPAID CARDS NOT WORK ANYWHERE ; DESPITE SHOWING A BALANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account status in collections is false. showing in collection but when i click to see what account i " have '' it shows a paid acct. its very contradicting. date reported is fraud that acct has been paid in full 3 months BEFORE reported date!! what's going on!! this is intimidating and affects my daily life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank/ XXXX has made it extremely difficult to pay my bill each time I called in to pay rep either hung up on me or claimed the system was down there for I was not able to make my payment, I finally spoke with someone who helped me she moved my due date to XX/XX/2020 and insisted I call credit bureaus to have XXXX late removed, it has not yet been removed they also added another XXXX for XXXX but the bill is not yet due because the due date was changed to XX/XX/2020. I have never been late with a payment and believe company representatives have not been helpful during this Pandemic
Product: Debt collection

This company called my Human Resources person at work telling them that I owed them money, and that they wanted to serve me court papers at work.
Product: Checking or savings account

This morning XX/XX/2023 at XXXX central time I received email confirmation that I have successfully opened a new bank account with Bank of America XXXX 
This activity is not authorized by me or anyone I could know, I think this is related to fraud and identity theft. I am not sure how they were able to open up a bank account without my authorization.
Product: Student loan

I'm attempting to deal with Navient in terms of my student loans. At this point i wish that I would have never went to school. I got roped into the XXXX mess which then turned into the Navient mess. Navient continues harassing me with phone calls demanding payment from a defunct school where I never held a job with the garbage degree that i was handed. I have since changed careers. Navient insists that since I can not make a monthly payment of over {$1000.00} dollars that I should continue to ask for forbearance. At this time I am under forbearance while I attempt to finish school at XXXX XXXX to earn a degree in XXXX. I assumed that my loans were under forbearance until XX/XX/2018. I just received a letter via XXXX stating that my account is under litigation review? I don't make enough money to make extremely high payments, I don't know what to do? I was approved for forbearance on XX/XX/18.  Since then I have received four emails stating change in loan terms.
Product: Debt collection

I am a victim of identity theft and am submitting this complaint to request the removal of fraudulent accounts from my credit report, as mandated by FCRA Section 605b. 
The following fraudulent accounts were opened without my permission : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We were scheduled to have a new HVAC system installed. The company, XXXX XXXX XXXX XXXX, sent me a link to apply for a Carrier credit account through Wells Fargo to finance the new HVAC system. 

On XX/XX/2020, I submitted the online application to Wells Fargo. I included my home phone number, which was the only number required for the application. 

On XX/XX/2020, Wells Fargo called and asked for a second phone number. When I asked why they needed it, they said that they were having trouble verifying the number I had included on my application. Yet, this home number was the one they were using to call and tell me this -- since it was the number I included on my application! I gave the person my cell phone number. 

On XX/XX/2020, I still had not gotten a response to my application from Wells Fargo. Since the HVAC installation was scheduled for the next day, I called the owner of XXXX XXXX XXXX XXXX and asked if he could check into it. He contacted Wells Fargo. Wells Fargo told him that my phone number was not verified and that I should contact XXXX Credit Bureau to address the problem. 

So, later on XX/XX/2020, I opened an account on XXXX XXXX   website, checked my credit file, and noticed that, in the section entitled " Telephone Numbers Reported, '' my home phone number, which I had used on the Wells Fargo application, was the first number listed!! 

So, a bit later on XX/XX/2020, I tried to contact Wells Fargo to let them know about my number. I could not get through to the right person. At XXXX point, while I was on hold, there was a message that said that they could not help me so I should " please hang up ''!!! 

So, also on XX/XX/2020, I again called the owner of XXXX XXXX XXXX XXXX, who again called Wells Fargo. After talking to them, he suggested that I call the one number back and continually press " 0. '' So, later on XX/XX/2020, I was finally able to reach a representative at Wells Fargo. I explained what they had said about my phone number not verifying, and explained that the number in fact WAS listed in my credit file. He put me on hold to talk to someone about my issue. When he returned, he said that my Wells Fargo application had been denied because they could not verify my phone number and for " credit reasons '' ( which he did not explain ). He said that there was nothing I could do. 

On XX/XX/2020, I received a letter from Wells Fargo that said : " We are unable to offer you a credit card account for the following reasons : Unable to authenticate identity of applicant. '' On this same day, I received copies of my credit report from the three main agencies. On each report, my home phone number, the one I had used on my Wells Fargo application, and the one at which Wells Fargo had called me, was listed.
Product: Credit reporting

I went online to Experian.com XX/XX/XXXX to check my credit score and paid for the XXXX time fee. Little did I know that the company automatically signed me up to a 7-day trial of then started to charge me {$21.00} per month for 'credit monitoring services ' which I neither do n't need nor made fully aware of. 

I noticed the charges this month and called the company seeking full refund for both XX/XX/XXXX and XX/XX/XXXX. The customer service told me I can only get one month refund. However she did cancel the subscription and hopefully I will not get charged going forward. 

I am very disappointed by the way Experian conducts its business - it tricks consumers into signing up to expensive monthly services by teasing them with some low cost services without making full disclosure. Such services should be explicitly opt-in only and not opt-out type of services like the way Experian does it. 

It is hard to believe that after the passing of post-crisis consumer protection regulations such business practices still exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched XXXX  CREDIT REPORTED Account XXXX opened XX/XX/XXXX Date Reported XX/XX/XXXX. Kindly Note Account History is MISSING FRAUD INFORMATION I REPORTED TO XXXX  XX/XX/XXXX. ( HISTORICAL ACCOUNT INFORMATION IS OF XX/XX/XXXX * ONLY. ) See attatched XXXX  LETTER XX/XX/XXXX XXXX  DID NOT APPROVE MY FRAUD CLAIMS BEGINNING XX/XX/XXXX BUT DID NOT REPORT THE TRUTH TO EQUIFAX. see attatched Criminal Investigation Letter XX/XX/XXXX of the deliveries NOT MADE XX/XX/XXXX FORWARD. WHY ISN'T THE TRUTH REVEALED? XXXX  REFUSED TO PROVIDE WRITTEN PROOF THESE ITEMS WERE PURCHASED BY ME AND DELIVERED INTO MY HANDS?? XXXX  REFUSES THEN DESTROYS MY CREDIT WITH INACCURATE INFORMATION. PROVIDE ACCURATE REPORT OF HISTORY & WRITTEN PROOF OF PURCHASE AND DELIVERY INTO MY HANDS OR DELETE IMMEADTELY.
Product: Credit card or prepaid card

Today is XX/XX/XXXX and I call capital one three times they were very rude and very disrespectful and Im a customer and I was calling to see if they can help me to reset my username and password so I can log online to look at my account they have transferred me to her also a representative when I asked three times to transfer me to someone to be on store representative back in XXXX when I spoke with someone Ive stated to her that I only want to sleep with someone who is on so our representative and she stated that she was going to notate my account stating that so again that was not doneSo I was unaware of that capital One was hiring rude people as I was speaking the lady named XXXX cut across me not once but twice thats very rude look at the ending on the customer so with that being said Im filing a complain
Product: Money transfer, virtual currency, or money service

I have opened an account on Gemini and uploaded my ID. Verification is pending for about two weeks. For me, it is a very unpleasant situation, I needed to trade crypto and now I have to wait. This is so unprofessional, I can see many people have the same issue with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX I sent letters to Experian, XXXX XXXX XXXX XXXX ; Requesting VALIDATION of the following inquiries that never had a permissible purpose according to the FDCPA LAW - They have never responded and clearly have violated my consumer rights. 

XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX & XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX & XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

An account has been deleted for inaccurate information on my consumer report. It has come to my attention that Experian has violated section 1681i ( B ) ( ii ) Notice to consumer. I was never notified of this account being reinserted on my consumer report no later than 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( 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 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX : {$44000.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - BALANACE {$20000.00} Account Name : XXXX # XXXX - XXXX {$100000.00} Account Name : XXXX # XXXX - XXXX {$100000.00} Account Name : XXXX # XXXX - XXXX {$20000.00} Account Name : XXXX # XXXX - XXXX {$63000.00} Account XXXX : XXXX # XXXX - XXXX {$13000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year>