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

the information they provided was incorrect I was unaware of any accounts that were closed due to fraud. they also took longer than 30 days to respond I would like to speak with the company
Product: Debt collection

On XX/XX/19 I received two letters from the State of Michigan Treasury department, in separate envelopes : A Notice of Income Tax Used for Debts and a Garnisment Disclosure. 

The Garnishment Disclosure was against a person named : XXXX XXXX and references case # XXXX in the XXXX District Court. 

Upon reviewing the court case documents that are available online, it seems that the law firm Roosen, Varchetti , & Olivier falsely reported XXXX XXXX 's social security number to the court to garnish his State Tax Refund when XXXX has no interest, knowledge, association, or relation to XXXX XXXX. The Court granted the garnishment and the State of Michigan then froze the income tax return of XXXX and XXXX XXXX, which then created an injured spouse. 

Upon reviewing the Fair Debt Collection Practice Act, the law firm of Roosen, Varchetti, & Olivier broke the law in the following ways : 1. Took Negative Legal Action The law : Collectors cant threaten wage garnishment unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must usually take you to court first and win before they can take these kinds of actions if they are legal in the first place.

2. False Statements or Representations The law : Collectors cant threaten wage garnishment, to ruin your credit rating  unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must usually take you to court first and win before they can take these kinds of actions if they are legal in the first place. 

I called the State of Michigan Treasury Department upon receiving this notice at XXXX and spoke to a representative who was able to verify the error in reporting the wrong Social Security Number but could not insure that this would not happen again next year because this law firm continues to report erroneous Social Security Numbers each year to be garnished. 

The State of Michigan asked me to contact the law firm to have XXXX social security number removed from their case file. I contacted the law firm and spoke to the person who answered the phone. She was able to pull up the case and when she found that the State unfroze the tax return and released the payment, she remarked : " You got your money back, what more do you want? '' When I explained to her that I wanted XXXX social security number removed from the case file, she wanted me to provide Social Security Numbers, which I refused to do, since I suspect that this is a tactic that they do quite frequently based on the statements from the State of Michigan and from reading their XXXX reviews : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ,, Once I realized that this person was not going to help me with this situation, I ended the phone call. 

I would like to have this law firm investigated for Identity Theft and unlawful collection practices and I want XXXX and XXXX XXXX 's Social Security Numbers removed from the case file of XXXX XXXX. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX I am sending this letter in regards to the time frame of 1 year that I have sent several certified written requests by mail and realized their were no responses, so I decided to contact you through this portal to make sure this message is recorded and by witnessed by The CFPB, FTC, Georgia Clerk Of Courts. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed immediately and permanently within 24 hours. I am disputing the erroneous information as an internal dispute/affidavit your company is falsely acccusing me of. I dont know what affect it could be because I was once an identity victim also I have been affected by several breaches with XXXX, online over the internet as well. 
You have placed erroneous information on my credit file that includes a debt that Im unaware of A : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX. B : ERRONEOUS INQUIRIES - 1. XXXX   XXXX 2. XXXX  XXXX 3. XXXX XXXX 4. XXXX XXXX. To my knowledge your are violating me and my rights trying to collect a debt you claiming I owe and that I am unaware of. It is impossible to collect a debt that you didnt verify 100 by taking the correct steps for verification along with providing me an original contract with my signature on it. By law you are required to remove the debt permanently and immediately. I am demanding that this debt is removed within 48 hours of this  receipt. This is the final attempt to contact you.
Product: Credit card

XX/XX/XXXX, I signed up for a Bank of America cash rewards credit card in which I was promised XXXX % cash back for all purchases plus a XXXX % bonus for a total of XXXX % on all purchases. In addition, I was promised a XXXX % bonus to make it XXXX % cash back if at least {$300.00} in cash rewards was accumulated before I redeemed the cash reward. The commitment made by Bank of America was that this benefit would be in place FOR THE LIFE OF THE CARD. When I realized they had radically reduced the amount of the cash back bonus, I called Customer Service and was informed that the program was discontinued in XXXX XXXX and that I was placed in another program. It 's supposed to be " FOR THE LIFE OF THE CARD '' not when they arbitrarily decide to end the program. In looking back at my statements, the change seems to have happened when Bank of America called me with a fraud alert and had to change my credit card number although I 've been with them continuously since XX/XX/XXXX. Are they declaring that because they have a concern about fraud and issue me a new card that they now declare the " life of the card '' provision no longer exists? I do n't believe it 's fair what was done to me. A company should not have the right to arbitrarily decide to end of the program yet when they market the card to you tell you the terms are for the, " LIFE OF THE CARD ''. 

I 've attached the XXXX consecutive statements in which the XXXX statement credit card number was changed.
Product: Debt collection

US Bank has called 3 times in two hours. We are behind on our credit card payments ... we lost our business in XXXX of 2017. I have discussed with them getting on their hardship programs ... which is great, but they said to call back when we have a little bit of money to make a payment ... I agreed. The calls continue daily ... up to 5 calls during XXXX XXXX and XXXX XXXX ... I 'm also at work! 

XXXX is the same story ... continuous phone calls!
Product: Credit reporting or other personal consumer reports

XXXX XXXX DOB : XX/XX/XXXX Last 4 of SSN : XXXX XXXX. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter twice before, and some accounts are still reporting. All I can do is tell the story of what I experienced and hope that I can get some help on the credit bureau 's end. I would really appreciate being able to put all this behind me and continue the recovery process. I can't do that if these accounts that I've reported to the police and to the FTC are still showing up on my credit report. Please don't make me pay and suffer for someone else 's evil wrongdoings. 

I tried resolving this with just Equifax, but unfortunately, after multiple failed attempts, there still seems to be some kind of disconnect with the current methods of communication ; a direct cause for me including the CFPB this time around. 

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following accounts are the fraudulent/unauthorized accounts in question : 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 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 I dont recognize the accounts, collections, or hard inquiries listed on my credit report. These entries were not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to Equifax, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX from Midlands credit management has called my work everyday for the last 2 weeks I have told him I can not take personal calls at work and he keeps calling. I told him again today XX/XX/2019. He also calls my company cell phone after I ask him to stop. He has treated me and will not stop. He keeps trying to get my bank info.
Product: Debt collection

Account number : XXXX Names : - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) Good leap engages in dishonest business practices. 
Good leap is charging illegal and deceptive fees to me. 
I was forced/coerced into signing an agreement that I did not read The solar panel isn't generating any solar energy and instead my electric bill went up significantly I explained to goodlesp that the sales terms were confusing and not clear to me. 
The salesman didn't explain anything about this solar panel and its installation process ; everything was on a premise of lies. The salesman then took out an XXXX that had the contracts for the system. No hard copy was shown to us, I had no opportunity to review the contracts or control the XXXX. The salesman skipped around to the various places that we were directed to sign. He signed one-half of myself and my husband without our proper reviews. 

On several occasions I have asked them to come remove the panels as it is not serving a purpose instead I am paying high monthly payments. 

Good leap even place a lien on my property and I am a new/first time home owner.
Product: Checking or savings account

This account is a joint account between me and my nephew, where he manages my bill payments. Around the beginning of XXXX, my nephew received emails about my XXXX being closed and the phone number being gone. A few hours later, he said he could not manage the account or access it. He called Bank of America and found out the account was frozen. They called him back and found that they found an unusual transaction that they detected was a fraud. I checked my bank transactions and found nothing out of the ordinary that is considered to be fraud. I dont know if the bank is falsely accusing me. They tried to resolve it by changing the username and password, but I still can not access the funds. I tried to call them multiple times, but they will not give me a proper response about when my funds will be accessible or the account will be unfrozen. Its been almost XXXX months and I have yet to hear back on the status of the account. I had to move my paychecks temporarily to pay my bills and mortgages and the bank was giving me financial stress due to missing out payments.
Product: Credit card or prepaid card

Disputed Amount : {$150.00} Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX I purchased 2 plane tickets from interjet to celebrate my honeymoon in XXXX in XX/XX/XXXX. Due to the covid-19 pandemic, we were forced to indefinitely postpone our honeymoon plans, and we contacted XXXX at this time to inquire about their refund/cancellation policy. 
XXXX was unable to refund us the money, so they proceeded to give us a voucher number to be used no later than XX/XX/XXXX. No written communication was ever made by XXXX regarding the voucher. They only provided a voucher number over the phone to be used at the time of rescheduling a future flight. We now just found out that XXXX XXXX has filed for bankruptcy and suspended operations indefinitely. We paid for a service we did not receive, as we never got the opportunity to use our vouchers. We have attempted to contact XXXX XXXX multiple times, but the phone number is disconnected leaving us no way to get our money back. Also, their website is currently down and not operational.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry XXXX XXXX XXXXXX/XX/2018. Please  investigate to ensure there is no fraudulent activity.
Product: Payday loan, title loan, or personal loan

Obtained Loan for {$1000.00}, I paid each payday, and came to a point of having issues paying due to the frequency/interest accrued. They froze the interest from that point on I paid {$90.00} each pay day day/ bi-weekly, {$180.00} per month. And if additional pay day I paid another {$90.00}. I continued to pay as agreed and watched the website balance go down per each month. Balance finally reflected on the website I was Paid In Full. Website reflected {$0.00} balance. This company now wants to continue to pull another {$270.00}. from my bank account after showing on their own website {$0.00} balance. I told them to send me something to substantiate their claim. I have asked numerous times for an accurate account. At this time they have not provided an accurate disclosure but sent me to collections instead. I have told them for the past few months - provide me the proof I owe you more money but they do not. They have my correct email address and correct address. Still no disclosure of proof, but their website reflected {$0.00} balance. I think its fraudulent to send me to collections if their website reflected one thing and they cant seem to show me proof I owe them any more money? If their own site reflected {$0.00} balance they should honor that. You cant claim there is something wrong with your website and expect people to just buy into it bc you say so. Show me the proof a complete and clear reconciliation to substantiate your claim. Due to their own lack of honesty I refuse to pay them unless they can substantiate it.
Product: Credit reporting or other personal consumer reports

The following are fraudulent inquiries that needs to be removed : XXXX XX/XX/23, XXXX XX/XX/23, XXXX XXXX XX/XX/23, XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XX/XX/23
Product: Checking or savings account

Fifth Third advertises that they will deposit your check early. They have done so ever since I opened my accountXXXX XXXX XXXX XXXX  Two weeks ago, they did not process our deposits, returned items without paying them, and charged overdraft fees. They did not send a notice that they have discontinued the program. I did reach out and asked if the program changed. I also asked if they would reimburse any fees and the avoided that question. 

I asked yesterday again since this is another payroll week. I was told " Early availability of funds are dependent on submission of direct deposit by payers payment instructions and standard fraud prevention restrictions apply. It is not guaranteed. When your employer sends us the funds, we will bypass the release date and time that they set and release it when deposits are batched at XXXX XXXX XXXX XXXX XXXX 
Your employer does still need to send us the funds before we can put them into your account '' I asked again today and she said that the funds are being held until my pay date and they received the deposit. I asked again if the policy had changed and if a notification has been sent out. " The timeline for processing direct deposit payments can vary depending on the employer 's payroll processing schedule and the policies of the bank involved. '' Nothing has changed with my employer and I have my payroll split between two banks. The other bank did make my deposit available today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained back in XXXX about my Chexsystems information being incorrect. 

They have my middle initial a C when it should be R. 

Chexsystems told me the report was given by a bank sometime ago, most likely a credit card I tried to apply for years ago. The middle initial in their data base with the letter C is incorrect. 

They refuse to correct that information. 

I believe that is why banks, etc. have turned me down several times. There was a time when identity theft was being committed towards me back in XXXX.
Product: Checking or savings account

Paypal locked my account over 100 days ago and i had over {$580.00} in it. They are telling me I need to wait over 180 days to get access to my funds. I am in a very bad financial position at the moment and could really use those funds now. I do not see the need for paypal to hold these funds for this long. Its already been XXXX days. 
What more could they need to research?
Product: Credit card

Over a month ago I mailed a first class ( postage paid ) letter to JPMCB requesting documentation regarding an account that its being reported on my credit reports. 

Until today I havent received even an acknowledgment of my letter. 

Please see attached letter, and send me all requested documents to my email address stated in the letter. 

I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Control Services Inc is  reporting negative information on my credit report. I have reached out to them and the people who " supposedly '' sold my account to them. I have NO CONTRACT with them nor the companies who sold them my information.The negative reporting is damaging my credit file. They are unable to provide any documentation that I have an contract with them. The address they have affiliated with this file is not mine. I offered to provide them proof of my address where I have been living for almost two years.
Product: Debt collection

I was excessively contacted through the mail, cellphone, emails, threatened, forced to make a payment to debt collector MCM by XX/XX/ or my house would be taken, paychecks garnished, loss of job, liens and judgements, lawyers involved, court and suing anyway to can get the money if I didn't schedule a payment. I was coerced to give bank information and schedule reoccurring payments, claiming that was the only way to make payments and I had to put down 30 % of the debt by XX/XX/2024, after repeating informing them, I couldn't pay the debt at that time and would contact them back when I could. The communication never stopped until first payment {$130.00} was scheduled XXXX XXXX XXXX reoccurring biweekly payments {$50.00} starting XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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