23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by UNITED COLLECTION BUREAU , INC through mail to contract with them on an alleged debt I owed to XXXX 's department store. I have no idea who UNITED COLLECTION BUREAU XXXX INC is because I never gave them written permission to contact me about an alleged debt I owed to XXXX XXXX. They have used my personal information and shared it with another third party I have never heard of, to also collect on this alleged debt. Now that party is contacting me and I feel violated as my personal information is being passed around without my permission. They are violating my privacy and I would like it to stop.
Product: Debt collection

I spoke with a representative with this company on XX/XX/2023 regarding them reporting false information to my credit report. I was told by the representative that the information is correct and accurate. I ask the representative to provide me with the original contract and I was told that he do not have to provide that information and that they will continue to report until I pay a balance that I never received from this company. I never done any business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of these unknown fraudulent inquiries that's on my credit file and I'm demanding that these unauthorized inquiries be removed. 

1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX ) 4.  XXXX/XXXX ( XX/XX/XXXX ) 5. XXXX ( XX/XX/XXXX ) 6. XXXX XXXX ( XX/XX/XXXX ) 7. XXXX XXXX ( XX/XX/XXXX )
Product: Money transfers

I got a phone call last week, the caller claim they are Wells Fargo Fraud department and I have a suspicious check that may be withdraw from my checking account. I ask the caller about the check number and withdraw amount because I written a check to the termite service recently. The caller reject me the detail information and keep claim this is privacy information. Then I ask them to send me an email to verify the information but also got rejected and claim they do n't have my email or other contact information. In addition, they ask me the date that I open my checking account which trace back to decades ago. Then I refuse to continue the conversation because the way they talk are very suspicious and can not verify my back account number and etc. I check the phone that leave on my cell phone, it is not a phone line on Wells Fargo bank. I also found out on internet that someone report the phone number is a scammer. Tel XXXX, The message on internet reflect they have been call many people who does not have WF account or business with WF and unable to prove their identity. I also go over WF website and found no similar number from them. Few days later, the termite company told me that my check is rejected even I have good balance on my checking account. I call the WF, they claim that the penmanship is unusual and check number is not consequent. I check my signature and there is nothing wrong and I had written XXXX dollar check to the car dealer without any problem. I am a former service member that is why I really aware identity theft. The way that WF fraud department did not mention any detail about the check on phone, they just threaten me the thing may ruin my credit rather than help me or the people who did my service. They claim it is not proper because it is a check pay to the business so the signature on the back of the check looks suspicious but there is nothing wrong for a person sign on the check back during the regular deposit. WF fraud department did not know what they are doing, they do n't even know how to clear a case rather than mess up the bank transaction. There are multiple messages on internet from 2015 claimed they are calling people randomly whether the person has a Wells Fargo account or not. They also leave a message in my phone with a case number but did not link with the Wells Fargo 's contact information that published on WF website related to fraud cases. Overall I did not receive notice like text or email before my check is being suspended and rejected, this is very rude and improper. WF fraud department just intend to interfere any transaction they want rather than verify the transaction is real identity theft or just general business. It does not give a credible source to verify they are not phone phishing or scamming and that refers to the general Wells Fargo customer service at all.
Product: Credit card or prepaid card

In the past couple of months, five months to be exact, I've been under tremendous pressure by my JetBlue Credit card company by Barclays. For charges that are not my doing. On XX/XX/XXXX my husband and I went to XXXX XXXX, XXXX XXXX to celebrate my birthday. We stayed at a hotel-resort from XX/XX/XXXX to XX/XX/XXXX. I got fraud on my JetBlue Credit card on XX/XX/XXXX from a company that I never heard or seeing un my life, named XXXX XXXXXXXX XXXX ( rental car ). For the amount of {$4400.00}, {$3500.00}, {$1700.00}, {$1100.00}, totalling {$10000.00}. However, this amount has increase due to late payment fees and interest on something it wasn't spent by me. Is an absurd amount of money to spent on a rental car company for only 3 days to begin with, it makes absolutely no sense. After disputing these charges so many times and opening several investigation until XX/XX/XXXX, submitting letters and providing evidence to the company that this charges were malicious, Barclays still finds me guilty of charges. Charges that I wasn't aware o. It is absolutely insane for a person to intentionally charge their credit card for such ridiculous amount of money when my husband have many personal vehicles accessible to him. Barclay denied my dispute 4 times, my credit score has drop drastically because of this, interest are going up. This has affected my personal life, my work place and my mental health, I cry everyday, cant sleep at night, thinking how in earth I'm going to pay for such amount of money when I have never spent such amount like that on any of my credit cards EVER. Is affecting my marriage and is affecting my work, because unfortunately I cant not work under this pressure thinking how and why this is happening to me and my credit card company is not protecting me. Who is supposed to protect me when obviously I've being ridiculous scammed, and I say ridiculous because the minute I found out I reported it to JetBlue credit card department, Barclay. The last thing that a manager from Investigation Department from Barclay suggested me by phone that I should travel back to The XXXX XXXX and make a law suit against the hotel. But what they don't understand is that I don't have the time or the money to leave my job, stop paying my other bills to go after the hotel, when this is supposed to be the credit card company job, they are supposed to protect me. I was always on time with my payments on my credit card, always a loyal customer, never made a dispute with them before and now something really serious is happening to me and they're not helping me at all. Please I need help, I don't know what else to do here. I sent them evidence, proof of the complaint I made to the hotel when I found out I was missing {$2000.00} dollars from my bag and also saw the charges on my credit card. I sent them proof of my booking, my check in and check out. I sent them everything I have that proves that I got scammed. Please help me. Thank you!
Product: Credit reporting or other personal consumer reports

I see that some of the information on my credit report was incorrect when I reviewed it. The 3 credit bureaus need to validate these account. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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, credit repair services, or other personal consumer reports

I check my credit weekly and today XX/XX/19 I noticed that my credit score for all three Credit Reporting Agencies had DROPPED approx. 50 POINTS from the previous week. There was NO DEROGERTY Information since the previous week. As a matter of fact all the information change was POSITIVE. XXXX, XXXX  and XXXX   were all similar results. Additionally, I have never been late on anything ... 

I called XXXX  and XXXX and in both cases the customer service representative was NOT ABLE to make any sense of the issue. 

The gross and incorrect misrepresentation of my credit is a detriment to me in many ways. My occupation, My credit and other things as well. 

The bottom line is ; The credit reporting agencies are not accountable to anyone. Individuals harmed by these agencies can rarely recover anything, and there is nothing that can be done to correct information regardless of weather it is correct, incorrect, inaccurate unless they want to.. 

XXXX, XXXX  and XXXX appear not to care ... ...
Product: Debt collection

I received a letter from IC System a debt collector. I called the company, XXXX., spoke with XXXX in billing and she discovered they had left the A off on the end of my Medicare card, so she said she would rebill Medicare. A couple of months later I noticed that the debt still was not paid so I called again ( XXXX XXXX XXXX, spoke with XXXX, at that time she said she would rebill Medicare again. Then I received an EOB from Medicare stating that I would be billed XXXX. 
Then about a week and a half later I again received a bill from the collection agency at that time I tried to call XXXX XXXX unscccesfully, the line was always busy. I called some agencys, XXXX XXXX and XXXX XXXX. 
I am going to try to attach some info to help you to understand.
Product: Credit card or prepaid card

i am 7 years relationship customer with chase never pay late even once .but chase close all my account include a new ba airline credit card i even recieve at all and chase still charge me XXXX fee for the card i even touch.chase ask me pay for the fee first and promise refund me but it been 2.3 month already .i still dont see any refund.as a customer for 7 years never pay late with good credit history and good payment history.chase close all my account for some ridiculous risky reason like too many account and too much credit line as the superior told me over the phone. they dont even listen to me some of the account is from my family i am just additional user.this is not reasonable for me at all.they close 2 of my oldest credit card and leave some credit card close by bank on my report. this is really impact my credit report and my credit history.i hope chase can refund my fee and re open my account
Product: Mortgage

In 2015 I refinanced my home from XXXX on a 30 year 4.2 % ( {$980.00} apx payment ) to a loan to my bank at USAA on a 15 year ( 2.8 % ). The estimated payment to the re-financed loan was provided to me at {$1500.00}, and just three months into the re-financed loan I received an " Annual Escrow Account Disclosure Statement '' showing that the company failed to include {$6200.00} amounting to a change of payment from {$1500.00} to a new payment of {$2000.00} ( which is a very significant increase ). There were numerous additional problems in securing the loan that I reported to USAA 's executive resolutions department including it taking over 8 months to lock in a loan rate, identified by USAA to be numerous lost opportunities. This feels like a " bait and switch '' in which I would never have agreed to a {$2100.00} mortgage.
Product: Debt collection

University Accounting Service, LLC ( " UAS '' XXXX XXXX https : //www.uaservice.com/ ) is a student loan servicer. They service my XXXX Loans from the University XXXX XXXX XXXX. 

UAS brings up the same screen every time I log into my online account. The screen gives a statement in legal jargon. Then there are two choices : " I agree with this statement '' or " I do not agree with this statement. " The default is " I agree with this statement. " The statement effectively amounts to a waiver of an important consumer protection right -- the right to have correspondence with debt collectors in writing. 

There are two problems. First, the method of asking this question in itself is an abusive act and practice under the meaning of XXXX XXXX XXXX. Second, the fact that UAS asks me the same question every time I log in is a harassing tactic. 

This is an abusive act or practice under XXXX XXXX XXXX in the sense that it takes unreasonable advantage of consumer misunderstanding. The statement is provided in a way to trick consumers into agreeing to the waiver. It utilizes consumer inertia by making the default that they agree. It also utilizes consumer misunderstanding, because most people are used to mindlessly clicking I agree for online legalese and fine print such as for the changes in XXXX terms and conditions that occur every other week. By repeatedly asking the question and making consumers answer more than once, the strategy clearly intends to prey on inattentive consumers who accidentally make a mistake once. 

This is also a tactic designed to harass me into accepting a waiver of my consumer protection rights related to debt collection. Once I answer that I do not agree with the statement, UAS should never ask me again. Not only do they continue to ask me, but they also give me no option to tell them to stop asking me.
Product: Credit reporting or other personal consumer reports

My equifax account is currently frozen. I tried to unfreeze it to get a car loan. 

However, whenever I try to log in I get a notification that states the following Please give us a call We can't complete your request at this time. 
Please call the XXXX XXXX team XXXX ( XXXX ) This means I can't access my account and possibly unfreeze it for a car loan. I also can't access any of my information. 

I have called twice, but they just tell me they don't know what's going on and can't help me. They " escalate '' it to some tech support and give me a confirmation number, but no XXXX ever contacts me with updates after the matter on how this is going to be resolved. I've been without access to my account for XXXX weeks now, but that's just when I realized it.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that all accounts listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure these accounts are removed from my credit report immediately to mitigate the impact of this breach.

Accounts to be blocked and deleted : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$81.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$880.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be blocked : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/year> I submitted a payment for a processing fee of XXXX $ for a fit mastercard with continental finance. The card was mailed and I was told to wait ten days to activate the card. I waited the ten days and called to activate and was told my application was denied. Well, Since then I have had the hardest time getting them to refund my processing fee back into my account. I dispute it with my bank as well as contacted continental finance. I just want my refund. The company is horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXX/XX/XXXX
Product: Debt collection

I have reached out to portfolio recovery on more than one occasion to explain to them the debt for the car loan was in litigation. I have been trying to get this removed for over a year now. I dispute it and they send me the same paperwork over and over again. I provided paperwork and proof showing it was part of a class action lawsuit. I also provided documentation showing that the debt was supposed to be removed from my credit report and they refused to remove it. The item is on my credit report multiple times by both portfolio recovery and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed a dispute in regards to incorrect items on my credit report and it has been well over 30 days and have yet to receive any investigation results.
Product: Debt collection

I am a natural living and breathing person ; consumer. I am aware that you are committing fraud and in violation of my federally protected rights by reporting that I owe an alleged debt that I have no knowledge of and hereby REFUSE. Pursuant to the Fair Debt Collection Practices, 15 USC 1692g, I demand documentary evidence that shows I legally owe you an alleged debt.

I am also aware that you are in violation of my rights according to the Fair Credit Reporting Act, 15 USC 1681b ( a ) ( 2 ) to be exact, I do not know who you are and I never gave you the authority to report any items to my consumer report. As well as to the Fair Credit Reporting Act, 1681 ( d ) ( 3 ) ( a ) as medical information is to be excluded from consumer reports.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( s ) : 1 ) Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, time XX/XX/XXXX Days Late and amount past due. 
XXXX ) Account Name XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, status and account details Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : letter XXXX, Proof of Inaccurate, ID, Bill, SSN
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions, I attempted to have my fraud alert be removed via telephone due to the refinancing of my home. Here are the various dates and names of individual spoken Toto assist with fraud removal. XX/XX/2020, supervisor XXXX states flag confirm # XXXX and fraud alert # XXXX both removed within 72 hours. On XX/XX/2020 called on same issue spoke with supervisor XXXX, whom stated my account locked could not assist. Thereafter stated there was a cliche in the system and as a result of the depart of consumer affairs fixed, the fraud alert and flag has been removed, so advise my lending institution to check my credit again for the third time in the month of XXXX. In addition, XXXX emailed it Supv to fix online account so I can personally take care of all flags and alerts myself for future. XXXX states, IT Supv will send email 7-10 business days from resolution. XX/XX/2020 spoke with supervisor XXXX whom advised fraud alert removed but flag still on account. XXXX again removed flag and gave me confirm # XXXX and advised it would take 72 hours to be removed. Personally asked to be transferred to Dept of consumer affairs and spoke with ms XXXX who alleged all alerts and flags removed and initiated a complaint for me. Complaint # XXXX given to me. Called Equifax to check status of on line account resolution due to 15 days gone with no email from IT Supv resolution, spoke with XXXX whom escalated the resolution of On line account still being locked out with no email resolution from IT Supv. Within 1 day, problem was finally resolved and able to  access my online account. XXXX also filed a complaint for me and complaint number XXXX. I look forward to discussing this frustrating situation with someone so no other consumer will suffer like I did. Please call me at XXXX XXXX. Thank you for your support
Product: Checking or savings account

I had two small transactions that went through my account on & Truist gave me {$72.00} in fees. I called in XX/XX/22 at XXXX & spoke to a rude, uncaring rep named XXXX who was no help with the fees. He refused to get me a supervisor twice as I asked. Then, didnt give me a phone number to where the supervisor would call me back. This is a new business account for me. If this is the way Truist does business, Ill be laying this balance & closing my account asap. I have a credit union account & this is never an issue with them. I want to speak to a corporate office rep before I go on digital media to let others know how Truist treats its customers & to news media if needed. 
I even went in the branch today off XXXX XXXX with a rep. She was no help.
Product: Credit reporting or other personal consumer reports

After getting a full report of my credit I noticed there are a few inquiries I do not recognize, and I did not sign up or get an account with the following companies, BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX nor have I received proof of me with a contract/ service given from their companies. 

I also noticed that there are additional credit inquires for a company I do have accounts with XXXX XXXX XXXX I have 4 open accounts dated : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX this is only a total of 4 inquires that were made there is a total of 10 added inquiries I feel are duplets that were reported for one account twice on different dates the following dates I did not do the following inquires : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( reported twice for same date ) XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2023. 
As for these dates no accounts are open, All open accounts with company dates have inquires listed which are the four I only have knowledge of.