23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recieved a voicemail on XX/XX/2020 at XXXX from a restricted phone number that stated " hello, XXXX. My name is XXXX XXXX maam contacting you once again now you case number being filed out of XXXX County ive reached out to you several times ( im assuming restricted ) maam over the last few days all correspondence has been ignored youve left me no choice but to forfeit your legal rights and proceed to have you located. We have now verified you commercial as well as several residential locations. Im just saying ms XXXX you still have the legal right to contact the office processing your case prior to the order of location being released. I will provide information to that office once again so there's no way for you to state you did not have prior knowledge to this matter. The number provided to that legal office is XXXX again maam you will need to provide case number XXXX. This is considered your final legal notification by phone and XXXX XXXX you will be located unless im instructed otherwise. '' I called that number at XXXX XX/XX/XXXX and was told that I could pay XXXX or pay ( if memory is correct ) almost XXXX dollars in fees and i had also informed her that no one has tried to contact me and if they had it had been restricted. I also told her to take it out at XXXX and they attempted to take it out at XXXX XX/XX/2020. I later recieved a phone call from a restricted number yet again at XXXX XX/XX/2020 about the attempt from the " search party '' saying that my file ended up back on her desk. So I then asked the name of the company and she said " XXXX '' i then later checked my account and the name said XXXX. I later went to the XXXX XXXX XXXX website to get information and it stated that my debit went to the XXXX XXXX National Management Recovery Corporation and i called them at XXXX. They processed to inform me that it was sent to another company called XXXX XXXX with whom I have left a voicemail.
Product: Debt collection

On XX/XX/2021, I sent a certified debt validation letter to XXXX XXXX XXXX requesting a list of information proving I owe this company debt. The company did respond on XX/XX/2021 but failed to properly respond to the debt validation letter as required.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX 2. XXXX
Product: Money transfer, virtual currency, or money service

I sent a transfer to XXXX thru WorldRemit and the money was placed in hold due to an unexpected glitch. 3 days later I canceled the transfer expecting my money back at the most in 7 days. XXXX  days have gone by and no refund at all. Contacted WorldRemit several times with just answer of you just have to wait and not letting me know a date to recive my money back. I need my money and a compensation since I needed to transfer that money for my daughter 's health issue and wasn't able to use that money. The transfer number is XXXX.
Product: Debt collection

Zwicker & Associates violated FDCP A 1692e. Zwicker & Associates filed a false claim in Small Claims Court stating that Arbitration was terminated due to the Defendant ( Me ) failure to pay fees. Zwicker and Associates failed to pay fee causing Arbitration to be terminated. In  XXXX  arbitration, I am the Claimant and Zwicker & Associates are the Respondent.  XXXX , clearly states the Respondent did not pay. Per  XXXX  ' Policy, they review credit card agreement and other documentation and decides who pays what and send a letter to all parties involved stating who pays. See Attachment.       XXXX   Zwicker & Associate knowingly lied on filed claim which clearly violated the FDCPA 1692e
Product: Debt collection

I Received notice that I got a collection from RPM for a XXXX XXXX account I had that I paid in full when I closed. I had a balance of {$290.00} for my last month of usage and for unreturned equipment. When I received the bill I paid in full and got a confirmation number # XXXX for the amount {$290.00}. then last week I saw a collection for the same amount from RPM. I immediately called RPM and informed them that I had already taken care of the balance, looked through my bank statement and they said that if I provided the confirmation number of when I paid it they would remove the collection. I called and spoke to XXXX and he declined said that XXXX XXXX had to remove the collection, I called XXXX XXXX and made sure that I had no balance with them verified the confirmation number and RPM still declined in removing the collection. I explained to them that this was an account that should of never been in collections and they said they are unable to do anything. I have no negative information on my credit report and this is the first negative account that appeared due to an error. 
Account # XXXX, payment Confirmation # XXXX {$290.00}
Product: Vehicle loan or lease

My final car payment ( payment # XXXX of XXXX ) was not auto drafted from my bank account when it was due XX/XX/XXXX. This was not because of anything I did ( low balance, etc ) but because of a " Terms and Conditions '' I agreed to over 5 years ago when I set up my loan to be paid off with automatic payments in XXXX of XXXX. 

It is unreasonable for a consumer to be expected to remember one specific detail about Terms and Conditions ( that 99 % of people don't read anyways ) five years after for a clause that only kicks in at the end of the 5th full year. 59 of 60 payments made on time exactly ( not to mention 15+ years of always on time payments to all other financial responsibilities I've had ). The other issue is they create confusion by continuing to report auto-pay is turned ON for even once at the final payment time showing it is still enabled - which is very confusing for a consumer to understand what is going on ( see attachment for proof ). 

As soon as I became aware of this, the final payment was made same day. I had absolutely zero financial motive to withhold a payment, nor did they do their part to call or email me letting me know any of this was happening. If it weren't for optional credit monitoring I chose to subscribe to, the first time I would have found out about this could quite easily have been the day they opted to repossess my car. 

That is an incredibly scary position to be in for a consumer and is a policy I believe takes advantage of consumers to ruin their credit ( my score dropped 111 points because of this one miscommunication ). I further believe they are misinterpreting the Fair Credit Act ( FCA ) and that they do not actually have a requirement to leave this delinquent mark on my credit reports for a policy entrapment they themselves set.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX acct:XXXX, XXXX XXXX acct:XXXX, XXXX XXXX  acctXXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 collections account opened on XX/XX/XXXX with XXXX XXXX XXXX under account number XXXX, a personal credit card account opened on XX/XX/XXXX under account XXXX, and a credit account with XXXX XXXX under account XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries 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 # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report on my credit file that I have lived in Oklahoma. I have never lived in that XXXX state!
Product: Checking or savings account

About 2 week ago i was sent a letter that my business checking account XXXX XXXX XXXX will be closed. For depositing a check into my account. The reason was not clear. The bank was M & T Bank. Acct # XXXX. I'm new business owner and i have XXXX check system for payroll. I inadvertently deposit a check into my business account and that cause the back office to send letter to close my business account. I have no access to my money or online banking accounts. I was granted a business line of credit and the only way to pay the bill is in person. The branch closes early and its over 20 minute drive or more. I'm afraid this drastic move from the bank back office will hurt my personal credit and business credit. I called the XXXX, NJ branch several time no help. I called i called customer services no help. I need some clear answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. 
Below is the information on the companies and amounts XXXX {$400.00} XXXX  XXXX XXXX {$9200.00} XXXX XXXX {$2200.00} XXXX XXXX   {$2200.00} XXXX {$2200.00} XXXX XXXX {$300.00}
Product: Debt collection

Provided payment to XXXX XXXX XXXX on XXXX for damage to a company provided rental car windshield. Received three additional Payment Demand Notices since paying off the dept. Contacted numerous personnel at XXXX XXXX XXXX regarding the notice, including our account representative.
Product: Debt collection

This agency sent repeated demands for payment of some type of medical debt to my sons apartment at XXXX XXXX XXXX. I am not aware of nor am I responsible for any debt owed to XXXX XXXX, we have always been on Obama Care. Premiums always paid on time to XXXX XXXX XXXX XXXX. GB has violated my privacy rights by sending threatening letters to my son. I want them to cease immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX CT XXXX XXXX NC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX  XXXX Balance : {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded my credit report and asked Equifax to check the completeness and accuracy of the accounts below in accordance to 15 USC 1681i ( 5 ). Equifax has tried use stall tactics despite my many attempts to solve this issue.

1. Account name : XXXX XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX 3. Account name : XXXX Account number : XXXX 4. Account name : XXXX XXXX Account number : XXXXXXXXXXXXX**** 5. Account name : XXXX XXXX XXXX Account number : XXXX 6. Account name : XXXX Account number : XXXX 7. Account name : XXXX XXXX Account number : XXXX 8. Account name : XXXX XXXX XXXX Account number : XXXX 9. Account name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX. Account name : ( Original Creditor : ) Account number : XXXX 11. Account name : XXXX XXXX XXXX Account number : XXXX I have waited 30 days and they still havent updated or removed the accounts from my report in order to ensure that my credit report is complete with the correct information. 

The date open is not correct, date last active, date of last payment, account numbers, date of last payment and balances are not correc on all 3 credit reports and they even failed to update the account status to in dispute which is a clear violation of the fcra. 

These violations has caused me financial hardship. It has cost me job opportunities and even gotten me denied for a home loan. 

I have attached my previous credit report and new report that I just downloaded to show how Equifax has violated my right. I have also attached multiple complaints spanning over a year that they have failed to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone else is using my email address that Ive had for over 20 years. 
XXXX Her name is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX This is the information that shows up on my credit report, and the reason I can no longer access my email address. I have previously had my identity stolen and I would like to get this situation rectified ASAP I can be contacted at XXXX Thank You, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

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

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

On XX/XX/2020, I requested a credit limit increase on my Costco Citi card. I requested a limit equal to that which I have on my American Express card, about double the current limit on my Costco Citi card. I have had the Citi card for several years and have a 100 % on-time, in-full payment history. 

On Citi 's website, it states : " Once you submit your request, well need to obtain a credit bureau report. '' At no point, either in full-size or small print, does it provide that this inquiry will be a hard pull. I have recently requested my credit limits raised on other cards -- no company ever performed a hard pull. I consented to a soft pull of my credit report. I did not and would not have consented to a hard pull just to raise my credit limit. 

XXXX  's blog does a good job of laying out the commonly understood differences between hard pulls and soft pulls : " A hard credit inquiry occurs when a potential lender examines your credit report and uses that information to decide whether to extend an offer for credit. For instance, if you apply for a home mortgage or a car loan, your lender will make a hard inquiry of your credit to help determine if you qualify for the loan. A soft credit inquiry, on the other hand, is a more routine check that can be done without your permission. A common example of a soft inquiry is when a lender youre currently doing business with checks your credit to make sure youre still creditworthy. You can also trigger a soft inquiry yourself if you check your own credit. '' ( https : //XXXX ) Citi is a bank with which I have a current business relationship. I was not applying for a new loan or mortgage with Citi, merely seeking to increase the credit on a preexisting credit card. When I accepted that Citi would look into my credit when considering an increase, it was based on the reasonable and commonplace understanding that a soft pull would be performed because of the context of the existing relationship. Citi has the lower barrier to avoid this kind of miscommunication, as Citi could easily modify the language on its website to specify the type of credit inquiry ( a hard pull, rather than a soft ) and could provide fine print regarding the ramifications of a hard pull to advise consumers. I have reviewed other complaints in the CFPB system and see that I am not the first Citi customer to have been surprised by a hard pull. 

As a result of Citi 's unauthorized hard pull, my credit has now dropped from " excellent '' to " good. '' This has occurred as we are trying to raise our credit to buy a home -- the only reason I was looking for a credit increase was to shrink my utilization ratio. I attempted to resolve the issue with Citi 's customer support, but unfortunately, the representatives were patronizing and not helpful. I am a reasonably informed consumer, with the additional benefit of having worked in contract law and with the Fair Credit Reporting Act. The language as it stands on Citi 's website is not sufficient for consumers to provide informed consent for a hard credit pull.
Product: Credit reporting or other personal consumer reports

writing to formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past four months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. Legal Basis for the Complaint : 73 P.S. 201-1 to 201-9.2 : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report. US DEPT EDXXXX U S DEPT OF XXXX U S DEPT OF EDXXXX US DEPT EDXXXX US DEPT EDXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020 I've sent dispute for all unknown and inaccurate accounts on my credit report. But there's still no response over 30 days. I was a victim of Equifax data breach. I demand to delete all unknown and inaccurate account ASAP or I will file a litigation.
Product: Credit card or prepaid card

XX/XX/22 : Purchase made from XXXX XXXX XXXX FL for a water cruise. Since the weather was bad at the location, cruise guide at the location tried to call the operator, but operator did not respond. Next day, the operator offered credit for another cruise another day. Since we were on vacation and could not accommodate the time another day asked for a refund. They refused. 

XX/XX/22 : Opened a dispute with Citi XXXX- the credit card company XX/XX/22 : Merchant responded stating they are third party and just does the billing and not responsible for the refund and contact the operator. 

XX/XX/22 : City card decided customer ( that is myself ) responsible for the charge.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  trafficking, and the information listed below on my credit report is a direct result of that trafficking. In accordance with my rights under Section XXXX of the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of the following erroneous information from my credit report : Also known as XXXX, XXXX, XXXX XXXX, XXXX Addresses XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Employers XXXX XXXX XXXX Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX As mandated by Section XXXX of the FCRA, please block this information from my credit report within XXXX business days. I also request written confirmation of the actions taken regarding the removal of these items. 
Thank you for your prompt attention to this matter.