23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have reached out to XXXX & XXXX XXXX XXXX XXXX numerous of times about a Payment that's stating I have Debt Owed which is Currently in Collections and Negatively affecting my Credit score.

Therfore With No Response from XXXX, I did Recieve both a Letter and Email from the ( CRA ) XXXX XXXX XXXX stating they don't have No Acknowledgement of knowing Who I am. 

In which Laws have been Violated when it comes to the Collections Practice upon the Privacy of my Credit Profile.
Product: Credit reporting or other personal consumer reports

I requested my credit report from all three credit bureaus over two months ago. I have not received a response from XXXX or Transunion. And I can not find a number to call. Onlly a place to request all three reports on the internet. And I know both Transunion and XXXX have incorrect information on my records.
Product: Debt collection

This medical collection was paid by my Union insurance with XXXX to the XXXX hospital. I was and still am covered under my Union Insurance during the time of this work place injury, which is the reason why I am not nor should have ever been responsible for a paid medical bill cover by my insurance for a work place injury. H & R Accounts Inc. is a collection company who has illegally reported this derogatory medical debt collection to my credit report. I have never received any letter regarding this bill but H & R Accounts still reported this illegal account to my credit report. This is costing me thousands of dollars in interest and irreversible damages to my credit score. Please let this serve as my formal complaint against H & R Accounts Inc. for illegal reporting negative paid by insurance medical collections to my credit report without notifying me first.
Product: Checking or savings account

I am filing this complaint because Citibank locked my account, preventing me from accessing or managing it. Despite repeated attempts to resolve the issue and close the account, Citibank has not provided a resolution. 

Since I lost access to my account due to my profile being locked, several automatic payments and transactions have caused my account to go negative. I have been unable to address or stop these transactions because I can not access the account. This has led to unnecessary fees, penalties, and negative reporting to XXXX and other credit reporting agencies, further harming my financial reputation. 

I have contacted Citibank multiple times to request closure of the account and a resolution to these issues, but my requests have been ignored. This situation is unacceptable and has caused significant financial and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report.

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my potential to obtain mortgage.
Product: Debt collection

Mercantile Adjustment Bureau Is reporting a collection in my credit report that Does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX  XXXX bankruptcy discharged Reference number : XXXX Date Filed : XXXX XXXX XXXX XXXXXXXX Balance {$480.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXXXXXX Balance {$3700.00} XXXX XXXXXXXX XXXX Balance {$520.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$510.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX  XX/XX/2022, between the hours XXXX - XXXX my XXXX  located a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX # XXXX ) that was advertising an adoption for a puppy. The cost was {$300.00} each for a puppy that was vaccinated with paperwork. She negotiated the price down to {$100.00}. My wife then used her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in her phone and sent XXXX {$25.00} in earnest to hold the puppy until we were to meet XXXX at a XXXX XXXX out side of XXXX, XXXX. During such time My XXXX  tried to close the deal over the phone by paying XXXX the XXXX paper transfer fee '' of {$33.00} so that XXXX could release the puppy to my XXXX. My XXXX  tried for 3 hours to send over and over again the {$33.00} without success. She tried sending it in different amounts using PayPal " family and Friends '' and XXXX XXXX along with her XXXX XXXX. The amounts are these : PayPal credit : {$290.00}, XXXX XXXX {$400.00} and XXXX {$170.00}. We have screenshots of all the transactions as they were taking place in real time. This is our evidence. Later once we arrived home, we started to look into XXXX account of XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. All were gone! We then tried to contact my voice using the phone numbers from the cash app accounts. Both had been disconnected. We then tried to email the scammers. The emails went unanswered. It was then, when we read about the Pet/puppy Deposit Scam. We got a rude awakening and a fast education. We tried to resolve the matter with the credit union in which we are both members of and under Mastercards rules were denied chargeback of the amount of {$260.00}. PayPal closed their investigation on account of their being an investigation going at the same time with our XXXX  as did XXXX. We have not heard from XXXX at the time of this writing. SO far, they have taken the {$400.00} out from the account balance owed in lue of their investigation.. It would seem that everyone involve who perpetuated this scam have gone into the wind. We are left with dead ends as far as contacting them and {$960.00} poorer. Please help us with the crediting back of the loss. 

The suspected bad actors in this case are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I just had this credit collection reported on my report, Have no idea who where or why, my score dropped XXXX points because of this action.
Product: Credit card or prepaid card

I have repeatedly requested the credit card fee waived under their SCRA terms and conditions. There have been two requests submitted, but the charge remains.
Product: Debt collection

I was notified by XXXX that I have a collection it was a be cause of identity theft I report to the local pd spoken to XXXX they told me they had XXXX me out in now another Angecy pick it up nt.which I never had no knowledge of authorize me even having an account
Product: Debt collection

Conns has continued to call me during work at a minimum of 14x a day from XXXX different numbers. I have told them that I will pay them next week but they continue to disrupt my work and upset me with their harassing calls. They need to review their practices and collections strategies. I have already gave them a time and date that I will pay my bill. I will NEVER AGAIN do business with these vultures.
Product: Debt collection

I filed a dispute and the dispute got denied by XXXX  They provided documentary information but was not able to provide the written permission by the consumer. 15usc 1681b permissible purpose. In accordance with the written instruction of the consumer to whom it relates. I never consented with written instruction to make the account information public.
Product: Checking or savings account

My wife and I have been bank of America customer for over 20 years. On XX/XX/2022, I received an alert email saying that my bank password was changed. At around the same time, my wife received phone call from BOA XXXX XXXX branch in XXXX, the bank asked about the cash withdrawal of {$9000.00} made by me at their branch. My wife told the bank that both I and My wife were in New Jersey at the moment, and the withdrawal was a fraud. I drove to the Bank of America financial center in XXXX, NJ. I told the Banker that I didn't authorize the withdrawal of {$9000.00} from my checking account in NY. However, the banker told me she couldn't act on it as the activity was in a " processing '' state. My wife also immediately called BOA fraud department about the fraud incident. Late that day, I found that XXXX other withdrawals were performed without my authorization. XXXX withdrawal of {$9500.00} from the same checking account, and the other withdrawal of {$9000.00} from the saving account. 
The XXXX cash withdrawals were performed at XXXX different Bank of America branches in XXXX XXXX XXXXXXXX at XXXX XXXX, XXXX XXXX and XXXX in the short period of time on the same day. It's clearly a fraud pattern, and that's an epidemic failure on bank 's responsibility to protect client 's assets. All these happened while I held possession of my driver 's license and ATM card. The bad actor must have used fraudulent IDs which BOA did not catch. 
I have been in contact with Bank to reimburse the fund that they dispersed. However, the bank kept telling me that I need to wait for a resolution in about 90 days. Everytime I tried to reach the fraud department, it took me at least hours. I was disconnected automatically a couple of times. That has caused tremendous inconvenience for me, both financially and emotionally. {$27000.00} is large amount that was withdrawed from my account due to BOA 's failure of their fiduciary duty. I am asking for your help to resolve this in a timely manner and return my hard earned money asap.
Product: Money transfer, virtual currency, or money service

Used XXXX through Arvest to put a deposit of {$500.00} on an animal. Then the recipient requested an additional refundable {$1500.00} to ship him bc he forgot to put him in the right size carrier. I requested a refund on XX/XX/22, he agreed, and then I never received it. Disputed the charge with my bank, but they were unable to recover the funds without a reason listed. Reported him through XXXX, they revoked his account, reported him through XXXX where he said he would send it next, he blocked the transaction and me, reported online through reverse phone lookup and through the online website in scams for all consumers. Repeatedly changes his name and his email.
Product: Credit reporting or other personal consumer reports

I would like to dispute everything on my credit report due to the privacy and data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three bureaus have failed to respond to the letter I sent via dispute online that requested them to respond within 15 days due to their failure to address the issue with my XXXX XXXX XXXX account. Please remove as I gave them a specific timeline to provide me with the sources they used to validate the loan, people they talked to, etc. Per FCRA I had every right to request that within 15 days it has now past 15 days ( XX/XX/XXXX ) So please remove it per the FCRA immediately. Remove the item immediately as they were given sufficient time to provide me with the information but could not produce it and or refused to produce it when it's my right per FCRA to see that information.
Product: Consumer Loan

Santander Consumer USA reported a repossession on my credit report which has cause my nothing but tramua. I was not able to get financial for my son college education, loans for my XXXX degree and etc. The vehicle is in my position after making nessary arrangement Santander. I called Santander to discuss this situtation and was told, " it is legal for them to report repossession on your credit report even if you receive the vehicle back '' .. The definition of repossession is the term used to denote a financial institution taking back an object that was either used as collateral or rental or leased ... OR ... If you do not make payments you owe on a loan secured by property, the lender may foreclose on the loan or repossess the property. Your lender has a security interest in your car and if you fail to pay, the lender can sue you or repossess your car ...
Product: Mortgage

In XX/XX/2019 I was having some financial hardship due to recent divorce. I contacted the mortgage company, PennyMac, to make payment arrangements so that I could stay current on my loan without penalty. Arrangements were made for me to pay half of my XXXX payment, {$570.00}, onXX/XX/19which I adhered to. The second half of my XXXX payment, another {$570.00}, was scheduled for and paid on XX/XX/2019. During the conversation in which this arrangement was made, I was not told about this having a negative impact on my credit or being considered a late payment. I was under the impression that because those arrangements had been made, provided I adhered to them and continued to pay as I have been I would remain in good standing. However, my ex-husband ( who I am trying to remove from the mortgage as soon as all of this is corrected, as he has not lived in the home or been financially responsible for the mortgage in over 1 year ) informed me his credit has been impacted. Today, XX/XX/19 his credit report is showing that the status of the mortgage is currently 30-59 days past due. My personal credit report is showing that the mortgage is current as of XX/XX/19 but was 30 days past due for XX/XX/2019. Had I been informed this would impact both of our credit despite the payment arrangements, I would have applied for a loan elsewhere in order to remain in good standing with my mortgage company. 

I called the mortgage company to explain the situation and the agent I spoke with filed a dispute for me. I called back today, XX/XX/19 and was told it " doesn't look like they are going to accept the dispute ''. I was told that maybe sending them a letter much like this complaint might help my case. 

After the split payment arranged for XXXX, I have paid my mortgage every month on the set upon due dates in my PennyMac website login. 
XX/XX/19 - paid {$1100.00} XX/XX/19 - paid {$1100.00} Today - XX/XX/19 - called to follow up on the dispute and made sure they were aware of my current pending payment for XX/XX/19 of {$1100.00}. 

I am very upset the company never informed me what this would do to our credit scores and standings, and that they offered no apology or explanation and are not willing to go back to the credit agencies to remove this mark. I have excellent payment history and would have never resorted to making that payment arrangement had the agent at PennyMac told me what it would do to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Accounts are CURRENT AND IN GOOD STANDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX POINTS UNECESSSARY THUS DECREASING MY FICO SCORE AND HINDERS MY FINANCIAL OPPORTUNITY. THIS IS CONSISTENT AND ON GOING PROBLEM MONTHLY. I HAVE CONTACTED XXXX REGARDING THE UPDATES. ITS INACCURATE REPORTING.
Product: Credit reporting or other personal consumer reports

The Loans XXXX, formerly known as XXXX XXXX XXXX XXXX CFPB sued them Case 3:17-cv-00101-RDM Filed XX/XX/XXXX, for the deceit practices. There are 3 loans associated with my credit file f these actions taken these loans were not afforded the relief provided. As a servicer of student loans, XXXX XXXX routinely furnishes information about its student loan accounts to consumer reporting agencies. 
They have begun to re-age these loans showing in inaccuracies of XX/XX/XXXX day delinquencies and irreparable harm to my credit file and score. These loans were open dates per credit report of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with a of last payment XX/XX/XXXX with a worth pay status unknown but has charge/off and last reported to CRA XX/XX/XXXX XXXX 
The Fair Debt Collection Practices Act prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. 15 U.S.C. 1692e. 190. As described above, on information and belief, XXXX made false, deceptive, and misleading representations to borrowers that all of their collection fees related to the federal loan rehabilitation program would be forgiven by the U.S. Department of Education or that the exact amount of collection fees currently assessed to the account would be forgiven. XXXX. Therefore, XXXX, acting together with or on behalf of XXXX XXXX, violated the Fair Debt Collection Practices Act. 15 U.S.C. 1692e, 1692e ( 10 ).
Product: Checking or savings account

I have been a B of A customer for over 30 years and the service has been unacceptable. Someone had accessed and wrote a check {$1400.00} from my checking account checking account XXXX. I reported the fraudulent charge in XX/XX/XXXX. Afterwards, Bank of America closed my old checking account I had for over 30 years and opened a new account XXXX and reimbursed the amount to my new account. In XXXX I started receiving bank recorded messages to my phone that my account is overdrawn. I called and the B of A agent told me to disregard the messages and they made an error and everything should be taken care of. Interestingly, I show back in on XX/XX/XXXX they put the {$1400.00} back on my account but placed backdated in on XX/XX/XXXX. Each time and put on hold for an hour I call they tell me to disregard, but I still receive messages. It's been over 6 months and I never receive an answer. 

I keep receiving messages that my account is overdrawn and the agents told me to disregard the messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the fair Credit Act Law 15USC 605B- Request of Debt validation and proof of debt ownership and right to privacy this company has been asked multiple times to provide the requested information and unable to provide Debt Validation and Loan ownership that includes my Wet signature and Verification. This company issued a letter to my home that was not my name or anyone that resides at this address.
Product: Money transfer, virtual currency, or money service

I was scammed through cash app for {$700.00} someone stole my phone and cash app card and uploaded {$700.00} from my bank account. I filed a police report for the missing phone and stolen money and sent it to cash app for proof and they still denied my claim. My bank also told me they would have to contact cash app to get them to work with them and dispute but cash app doesnt want to do my dispute and refund because they havent took any action and they didnt provide any reason for denying my dispute.
Product: Credit reporting or other personal consumer reports

Experian, again, lowered my FICO score, to XXXX from XXXX. Logging into my account does not give any valid reason for the change. The information displayed says an account balance has decreased by {$10.00} or more. Nonsense. All account balances have increased over time, with the exception of my credit card. I made an {$86.00} purchase this month. The credit card balance is paid in full monthly. No other explanation was offered to explain the credit score drop. 

I am fed up with Experian playing with my FICO score simply because I made a credit card purchase, if this is the reason for the change. NOTHING else has changed. This is just plain bad business. 

Experian does not give any contact information to get clarification on the score change. Contacting Experian is a call to XXXX and the representative does not provide any information that isn't available online in my account.
Product: Credit reporting or other personal consumer reports

I have not given any one permission to access my credit credit profile and creditors have no permissible purpose by law to contact third parties with my private or personal information or to furnish inaccurate information. Experian, the offenses amount to Aggravated Identify Theft : The following Creditors are reporting to on my credit report and I've taken actions with the creditors & Consumer reporting agencies that the following accounts are unauthorized and unverifiable.I requested proof that these accounts belong to me. However, no accurate response has been given to me. Creditor Name 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
Product: Credit reporting or other personal consumer reports

To the Consumer Financial Protection Bureau, I equally want to give formal complain that XXXX made an unauthorized hard inquiry on my credit report. Although I have tried several approaches not to face this problem, I have not succeeded. Again, XXXX recommended that I contact Experian since I was told by them that they did not start the hard pull. But to this date, neither Experian nor XXXX has been in a position to produce any paperwork that demonstrate that I authorized the inquiry. I was advised by XXXX to contest the inquiry using a process that informed Experian of the inaccuracy of the inquiry. Though they gave these instructions, Experian has denied to delete the unauthorized hard pull from my credit report. This is humiliating and offends me greatly since it puts a stamp of negativity on my credit status without prior permissions from me and thus I kindly seek the CFPBs intervention for the expeditious and satisfactory solution.
Product: Debt collection

I have been trying to call XXXX for two weeks with regards to an account that is listed on my consumer report. I have asked them to validate the account and verify the information on the account. They will not send documentation to my address.