23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I borrowed XXXX XXXXXXXX and have paid back all but XXXX XXXX  which I am currently paying. 
I asked that they not call my job and they did anyway. I emailed them requesting they not call me at work and they still called me at work! I asked that they remove my work number and they keep calling. They call the main line number to a different department so the call goes through other offices as it has to be transferred. This is a private company, not my home! 
They left me no choice but to seek legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX On XX/XX/XXXX, I wrote to XXXX requesting an investigation into an item I believed was inaccurate. The item was removed and recently reappeared and re-aged with a current date. 

This collection agency reports a debt from XXXX as being opened on XX/XX/XXXX. 
CREDENCE RESOURCE MANAGEMENT, Account Number : XXXX. 

This is untrue and the account was re-aged. XXXX has not removed this account from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


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

My insurance policy lapsed with USAA and because it lapsed due a report they obtained they refused to restart my policy unless I PAY THE ENTIRE 6 MONTHS PREMIUM as well as the past due balance owed I did say I would pay the past due but they want 6 months for the car insurance owed which is over {$2000.00} so in order for me to start again I have to give USAA nearly {$5000.00} which I do not have by them doing this to me I will be in more severe financial hardship unable to buy food and take care of myself due to a possible incorrect report they have received without my knowledge or consent to be used. The company will not work with the veteran even though they state they are for us they are making it hard for us to keep our policy in take after an accident that caused me financial hardship to fix my XXXX XXXX for my insurance denied the repair therefore I had to fix my TRUCK out of pocket over {$2400.00} on my own even though I had car insurance. The XXXX dealership explained that they did not say the things that the adjuster wrote and that was the adjusteXXXX and not them therefore not wanting to pay the claim and refusing to pay therefore causing me financial hardship on the repair of my TRUCK in turn causing my insurance policy to lapse. USAA has refused to pay the insurance claim and stated issues that the XXXX dealership did not say and refused to pay their claims leaving me in limbo with repairs and insurance premiums lapsed due to non payment.
Product: Debt collection

I received the first call on XXXX XXXX and the second call on XXXX XXXX. The phone number was XXXX. I have absolutely perfect credit and have never had uncollected debt. I did not talk to anyone. I listened to the message stating that the organization is called Capital Management Services and that they are a collection agency and have a debt that I need to take care of. I have no intention of calling them back.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and removed from my credit : XXXX {$330.00} XXXX remove acct XXXX XXXX {$1400.00} XXXX remove acct XXXX XXXX  {$1200.00} XXXX remove acct XXXX XXXX XXXXXXXX remove inquiry XXXX XXXX remove inquiry XXXX XXXX  dealer XXXX remove inquiry XXXX XXXX XXXX  remove inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax XX/XX/2023 regarding medical collection in the amount of {$100.00}. I told them by law medical bills under {$500.00} are suppose to be deleted. 
They refuse to delete it. 
This is a medical bill that went into XXXX XXXX collections.
Product: Credit card or prepaid card

Someone used my credit card on XXXX account. I never authorized these transactions.

And I never saw my paper statement.

I didn't recognize those charges. But I made a payment because My address has been changed for
temporarily due to covid19.
Product: Debt collection

I did not receive any validation letter from the collections company through mail or electronically.
Product: Debt collection

I do n't owe XXXX {$33.00} I do n't even have their service
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is a follow up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorise, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX I did not authorise anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that depending 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. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Debt collection

I didn't take out a loan with the company. The SSN # is not have is not mine. 
XX/XX/20 is when it was taken out
Product: Vehicle loan or lease

On XX/XX/XXXX purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX  for {$14000.00}. Total loan amount financed {$25000.00}. I also paid {$1400.00} for a 2 year or XXXX miles extended warranty. Car was financed through Credit Acceptance Corporation for XXXX interest for 60 months. Car developed air conditioning problems within 2 weeks. Took to dealer who made me pay {$600.00} to have fixed. Two months later car stopped on a major highway and had it towed back to dealer to fix the problem under the extended warranty. Car stayed at dealer not fixed. We called extended warranty company who said that dealer would not provide information they requested. Car has been at the dealer not repaired since XX/XX/XXXX. Dealer advised me last week that it will cost {$11000.00} to put in a new motor and make repairs. I wrote to Credit Acceptance and told them about the car not running for months and that I would not pay for a car I could not drive and that the dealer refused to fix. I stopped making payments. I cancelled the insurance on the car. I told Credit Acceptance that I was surrendering the car and asked them to cancel the loan because I did not get what I bargained for. Credit Acceptance told me I had to pay for the car. I again notified Credit Acceptance on XX/XX/XXXX that I was surrendering the car back to them. I will not be forced to pay for a junk car, almost 23 percent interest for 60 months and the car has been broken down and undriveable since XX/XX/XXXX. The dealer refuses to fix under my extended warranty.
Product: Mortgage

As part of WellsFargo settlement payout to with customers since 2011, I have had multiple mortgage loans, credit cards and bank accounts with them. There have been several fees that were not waived upon request. When applying for a commercial loan, it was denied more than 45 days after underwriting without providing reason.
Product: Credit card or prepaid card

I booked a round trip flight for XXXX passengers traveling from XXXX to XXXX, XXXX XXXX XXXX XXXX through XXXX on XX/XX/ XXXX at {$1300.00} /each ticket ; Their representative, XXXX, from XXXX mistakenly created 2 different trip numbers for the same trip as the following : 1 ). XXXX trip # XXXX ( with XXXX XXXX : XXXX ) and 2 ). XXXX trip # : XXXX ( with record locator : XXXX ), this caused double charge/duplicate charge ; On XXXX XXXX, XXXX my credit card was charged at price of {$1300.00} x XXXX = XXXX and simultaneously XXXX charged me 3 times of $ XXXX ticket on the same day. We have tried many times to contact XXXX and request refund for duplicate charges without success ; then we started dispute process with Chase since XXXX multiple times with only being able to get refund for one ticket ( {$1300.00} ), the other unauthorized charge of 2 tickets price ( $ XXXX ) were never refunded, we completely disagree with Chase 's final decisions form their investigation/correpondences with XXXX as XXXX provided many false information, it is very unfortunate that my credit company, Chase did not stand with their customers ' right as they claimed in their official documents/terms. Therefore now I am desperately seeking help from CFPB. Your help would be greatly appreciated, this dispute process has been an ongoing disaster since last XXXX.
Product: Student loan

Navient, today, left voicemail on a 3rd party persons phone ; who does not have any ties to these loans.
Product: Credit reporting or other personal consumer reports

There was a fraudulent inquiry on my credit report from Capitol One on XXXX that was not made by me/ that I did not recognize. I informed Capitol one and they shut down the account application. I would like to remove the fraudulent inquiry from Capitol one from my credit report.
Product: Debt collection

I received a call back XX/XX/XXXX from EOS to collect for an old phone bill which owed {$1400.00}. I made a settlement of {$710.00}. The arrangement was as follows first payment of {$200.00} by XX/XX/XXXX, second payment by XX/XX/XXXX of {$250.00}, and third payment of {$250.00} on XX/XX/XXXX. The first payment supposedly didn't go through on XX/XX/XXXX and the collector called again the next day on XX/XX/XXXX to let me know payment didn't go through. I told the collector to please run the payment for the full original amount since I was not home and didn't have the settlement letter on me at the time. However, rather than setting up the payment for {$200.00}, he set it up for {$100.00}. I have finally completed all of my payments for the settlement and I am barely getting notice from the collector that I still owe {$100.00} due to an error on their end and that my account is not closed as agreed due to this error on their end. I spoke with the managment of the company and they are now refusing to settle the account the for the amount paid.
Product: Credit card or prepaid card

My sunbit credit card is charging me double interest. My payment is due on the XXXX of every month I make my payment however on the XXXX. I generally pay a little more than the minimum payment. So if minimum payment is {$85.00} I pay {$100.00} but then on the XXXX of every month I'm being charged interest again. So example if I pay my bill and my available credit says {$94.00} then 2 days later when I'm charged again it's drops my available limit any where from {$45.00} to {$52.00}. This also does not make sense my interest charges are less when I have a higher balance. The other complaint is I have made extra payments a couple of times such as in XXXX and XXXX but did not get credit for payment because the second payment was to early for the upcoming statement month.
Product: Debt collection

I had medical collections from XX/XX/2015 that were paid and removed from my credit report a year ago and now they are attempting to collect the debt again as well as interest. I have tried resolving it with them to no avail. Please help
Product: Money transfer, virtual currency, or money service

I used Moneygram Mobile wallet services to send {$170.00} to my mother in XXXX on XX/XX/2021 and the money was suppose to be made available within 4 minutes. However, today is XX/XX/2021 and the money is still not available for my recipient even though the receipt clearly states that the money will be made available on XX/XX/2021 or sooner. I called Moneygram multiple times about it but each time I'm told the only solution is to wait for up to 90 days for their investigation to be completed. Meanwhile, my mother is sick and needs the money ASAP to cover medical bills. I requested that the transaction be cancelled and I be refunded but they said it is not possible given the type of transaction. I want them to refund my money now or make the money available to my mother today and they should compensate me for the big inconvenience and unrealistic delays. 
The Reference number of the transaction is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX / Net Credit # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Has decide to leave delinquent on my credit report after filing XXXX XXXX XX/XX/2024 and it already discharged needs to reflect a XXXX balance and no XXXX XXXX  amount due
Product: Checking or savings account

I started with this bank roughly two months ago. I used it for a couple of days, then a few weeks later, I was unable to access my account. I called the company, informed them about the problem. I was then transferred to the fraud department, and verified my information. The representative was rude, and told me that I had to go in with my Identification card to a local branch to resolve the issue. As told, I went to the branch, sat down with a manager, and he spoke with the fraud department and I as well, account was cleared. I was able to access my account for about twenty minutes, until I received the same error as before, " invalid login ''. I contacted the fraud department again, plead to them that I already went through the process of verification with the fraud department. I told them I run a business, I was told I could n't use the account for commercial use. In order for me to reactivate my account, I will have to be investigated by the fraud department. I transferred money from an external account as well as used, XXXX, for my clients. They indicated it as FRAUD. There is no fraud on my account. The claim was submitted on X/XX/17, and I was told that an investigator will contact me regarding the freeze/hold on my account within 48 hours. NO ONE HAS CALLED YET! I called them twice, spoke to customer service department, transferred to the Fraud department and get hung up on. Holds up to thirty minutes. Just not fair. It has been almost two weeks with no contact, and a lot of my funds are in there.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a fraudulent account and inquiries appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries and account have affected my life and resulted in several fraudulent hard inquiries and account and appearing on my consumer FICO credit report. XXXX XXXX XXXX XXXX opened XXXX {$24000.00} # XXXX .I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies  XXXX, TransUnion and XXXX What happened Consumer Name : XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, TransUnion and XXXX 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 inquiries have resulted in several fraudulent inquiries 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 hard inquiries and account 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 hard inquiries and account are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, TransUnion and XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED A ACCOUNT LISTED THAT DOES NOT BELOG TO ME. I AM A VICTIM OF IDENTITY THEFT AND WOULD LIKE THIS ACCOUT REMOVE BLOCKED AND DELETED IMMEDIATELY.
Product: Checking or savings account

I feel that BB & T intentionally applies debits to my account before they apply my credits. I was told when I call that there pending charges for today ( XX/XX/21 ) would be processed at XXXX XXXX XXXX but my paychecks which are also scheduled to be applied to my loan overnight tonight would not be applied until after XXXX. In my opinion this causes consumers to be hit with overdraft fees. I noticed today that my automatic payments have already been applied as pending charges this morning and my account is overdrawn. Those charges are not scheduled to come out until overnight tonight when my check is scheduled to go through. I called the bank and I was told that they would apply my check first and then debits and there would not be fees. The next breath I was told there could be fees applied. I do not feel that their customer service representatives are clear on how automatic deposits are handled on Thursday evenings in connection with how debits are applied on Thursday evenings. The only way to prevent {$140.00} worth of overdraft fees is to come up with {$340.00} before XXXX.
Product: Debt collection

I revived a call from Alpha Recovery Corp saying that they had to speak to me about personal matter to collect debt. When I called back, they asked for my birthdate before they could give me any info. I did not give them such information because I have no debt owed to my knowledge that should be going to collections. I believe this is a scam and they are trying to collect peoples information so they can attempt to collect money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit report for me showed an account that was not mine. XXXX attributed that invalid report to Wells Fargo Bank. Wells Fargo Bank denies that I had that account, and denies that they provided the information to XXXX. One of them is not telling the truth, and each blames the other. There are public reports that Wells Fargo caused many false or invalid accounts to be created, but XXXX will not give me specific information about which office or branch of Wells Fargo XXXX says submitted this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It states that I open a line of credit in XXXX XXXX XXXXXXXX XXXX I closed on mortgage XXXX do not have open mortgage
Product: Credit reporting or other personal consumer reports

i need to unfreeze my credit file to apply for a credit card. when ii tried to do this before, the CFPB site was down and I was told on the phone that CFPB would file a complaint for me.

This didn't work an I still need my credit file unlocked b experian.
Product: Debt collection

I sent a certified letter to Wakefield & assoc. XX/XX/2018 stating I did not owe them anything and requesting proof the debt was mine. They just blew me off.
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair credit Reporting Act ( FCRA ), 15 USC 1681970 credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in lending Act ( TILA ), 15 USC 1601. It's is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Bellow are the details of the disputed accounts : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- --
Product: Debt collection

My oldest child XXXX XXXX was in a significant accident on XX/XX/2016. She was taken to XXXX 's hospital because of the severity of the injury and kept overnight with emergency XXXX the next morning. The accident occurred in a gymnastics center in the area. Not only did XXXX have medical insurance and coverage supplied through her father 's employer she also had additional coverage for catastrophe by XXXX XXXX XXXX. I have been constantly harrassed about a bill from this medical group because they did not file as requested by both my husband and my self for the additional coverage. I have documentation of all correspondence with XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. This company is fraudantly trying to ruin my credit by insisting that I pay them money they have already been paid and that I do not owe as insurance covered all expenses in full. XXXX XXXX XXXX turned this into collections and it in no way has anything to do with me! Again, simple solution they are covered in full, XXXX XXXX XXXX has copies of the bills and correspondence was that if XXXX XXXX provided them with the specific itemized bill it would be paid. Companies like this collection agency should not be allowed to exist when they have complete control over getting paid. This is harrassment to attack my credit report, continue to call my phone etc.