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

I received a letter from XXXX XXXX XXXX XXXX about an alleged debt on XX/XX/2019. I dispute this and asked for validation and verification of this alleged debt with a phone call I made to them in the second week of XX/XX/XXXX. They responded on XX/XX/2019 with a letter from their company on their letterhead with very minimum information. This information still lacked the proper evidence to validate this was my debt. It did not clarify this debt belonged to me, so I disputed it again with a another telephone call around the first week of XX/XX/XXXX along with a letter. In my letter I asked for specific items to verify that this was my debt and this company was legit and made sure they were aware of my rights in this disputing process since they still hadn't validated this debt or proved this company was in good standing to collect in my state. I waited to hear back from them within the legal amount of timeframe and still nothing. I called back again on XX/XX/XXXX to check the status and they had already put this on my credit report without legally verifying this was my debt. This company violated my rights as a consumer and broke the law. They didn't send me any documentation I requested of these accounts until after they reported to my credit file. 

Accounts were for {$190.00} & {$410.00}
Product: Checking or savings account

I got scammed for every penny I had! USAA is closing my account of 20 years because I fell for a spoof scam from their number. I am ruined, my savings everything is gone!! USAA was like well nothing we can do and we are closing your account for getting scammed!! XXXX XXXX  and I this is how they treat vets!! Someone opened accounts in Florida and drained checking and savings ... XXXX plus. 

Proven identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is incorrect with XXXX, XXXX, and Experian. They all have inaccurate personal information on my credit report.
Product: Credit reporting or other personal consumer reports

i have been patiently waiting for the documents that i requested regarding account XXXX that is reporting to experian inaccurate, but ally bank XXXX federal bank like to violate the fair credit reporting act and the fair credit billing act. I have contacted them by mail on XXXX XXXX 2023 I am yet to hear from them they just blew me off.the documents i geve them show all inaccurate info relation to this inaccurate and unverifiable account.. i need them to provide all bill of sales from all parties involved, all purchase agreements between all banks involved. please help C.F.P.B
Product: Money transfer, virtual currency, or money service

My account with pay pal was closed for 180 days for no reason on XX/XX/2020 and I have tried multiple times to contact them but nobody offers any help at all they keep giving you the run around and there are never any live chat members and nobody answers the phone or emails. So I was patient and it had been over 180 days and I have still not gotten an email to release my funds. Pay pal is such a bad service and I would like to receive an email immediately because I worked hard for my money. The email link connected to my pay pal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name-XXXX XXXX XXXX  XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C & 1681c-2 ) That you Transunion the credit reporting agency, block information appearing on my credit report that is the result of identity theft and fraud within 4 buisness days of you recieving this complaint.This fraudulent, inaccurate, and false information consists of a personal auto loan ( 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 These Accounts have resulted in several fraudulent hard inquires and fraudulent collections.I have attached a copy of my FTC Identity Theft Complaint XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the information from the report accounts and hard inquiries, collections, chargeoffs are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Hello Dear. 
I am writing to dispute the following inquiries. I am a victim of identity theft. 
1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Debt collection

This debt started as a shake down to get me out of an apartment for one months rent due, I left on my own. This alleged law firm negotiated an amount for me to settle the billing. I went to pay it in person and it was not accepted. They got a judgment after serving me at the address that they removed. As a result they are garnishing my wages and collecting interest as a third party collection agent. they have also reported these lies to the credit bureaus.
Product: Checking or savings account

I have just been reading about the HSBC Advance Checking Maintenance Fees ( that have been deemed illegal in some countries ) and checked my own checking account to discover they have been charging me $ XXXXmonth for years. I never use this account ( other than for transferring money between US and XXXX HSBC accounts ) and they have charged me an incredible amount of money. The search function on their website only goes back as far as 2016. But I think these charges go much further back. 

This account was mis-sold to me. I had no idea I would be charged a fee for going below a certain amount. If may have been buried in the Terms and Conditions but I was not properly made aware of that. 

I have other Checking Accounts with XXXX XXXX and XXXX, which do not charge me a fee. 

I feel very XXXX  for not checking my statements but I have also not been told before/during the opening of this account that I would need to pay a fee ( for literally no service ). 

These " packaged accounts '' have been deemed unethical in many other countries : XXXX XXXX XXXX I am happy to adhere to the policies of the account in the future ( now that I have been informed of them ) but this taking thousands of dollars from my account is not acceptable.
Product: Payday loan, title loan, or personal loan

When I was unable to repay the loan, the company repossessed the car immediately, and has continued to add on fees and harass me calling ( home and job ), texting, emailing, and even showing up at my home repeatedly, all though out the day, harassing myself and relatives. Saying that I owe a balance that is 6 times more than the original loan and after taking the vehicle. The harassment is absolutely ridiculous. I have to file bankruptcy solely in hopes that it will stop them but I have a feeling it will not as these people are relentless.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX from XXXX XXXX XXXX XXXX XXXX ( Asset Recovery Department ) called and left a voicemail about my checking  account. I returned her call on XX/XX/XXXX and I agreed to pay the balance in full, and XXXX assured me that it would NOT go on my credit. She said I paid it just in time, before it was charged off. She said it was going to charge off on the XXXX. I got my credit report in XXXX and saw that the account had charged off with a " XXXX   '' balance. I processed a dispute with all three credit bureaus, and they all came back as " confirmed ''. I called XXXX XXXX  to speak with XXXX again and she did not fully remember our conversation and did not put adequate notes in the system to verify our conversation. She said I should write a letter to quality control, which i did. But i feel taken of, and i feel that i did everything I was told, but XXXX XXXX was deceitful ( XXXX ). I do not want this to affect my credit, because i was told that it wouldn't. I also did not have the money to pay it in full, but did so anyway to prevent any issues with my credit. Please Help!
Product: Debt collection

1. Daily/weekly phone calls even late in the evening. 
2. Degradation of character, due to how they spoke to and threatened me after I told them i was XXXX. 
3. False collection letters to seek a debt that does not, nor has it ever existed. 
4. Unable to be contacted by phone unless they call you. 
5. Shame on you. XXXX sees all.
Product: Credit reporting or other personal consumer reports

Acct # XXXX Reporting From XXXX For A Balance Of {$370.00} Is Reporting To All 3 CRA incorrect According To FRCA 15 us code 1681 No Transcactions or experiences are allowed to be on a consumer credit report Income is forbidden to be on a consumer report
Product: Credit reporting or other personal consumer reports

I've been keeping a close eye on my credit report and noticed that some errors and misleading information about my accounts aren't even close to being 100 % accurate, as they should be. This has really hurt me and held me back for quite a while now. It's impacted my life in so many ways, and I need the CFPB to step in and make sure these mistakes are corrected or removed. I have also sent a notarized letter to the company asking for verification of this information.
Product: Debt collection

Midland Credit Management has been harassing me about a debt for awhile and will not remove it from my credit report. I have written letters to them to validate the debt. Each time they will not provide me with documents that I request. 

They have been asked to provide a document with my signature to show a contract was created for the debt but they do not and instead just send me a generic form they use which always seems to have the phrase " We are uncertain of what you are specifically disputing. '' I also indicated I have no contract with them between myself and their company. They will never respond to this either. They are trying to collect on a debt that has been in dispute. It is crystal clear what I am asking. I ask of them to provide me documents to reserve my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have frozen my credit with all credit reporting companies. I have tried to login to both XXXX and TransUnion to check my account and to change my password. I am unable to login to my accounts. Both companies say that I have no accounts with them. This does not make sense, as I know I froze my accounts. I tried contacting the companies via their website but could not go forward since the companies do not think I exist. I tried calling their various numbers but since I do not exist I can not access my accounts. I am unable to get a live person in access to my account because talking to a person is not an option.
Product: Debt collection

Attempting to collect a debt that is not mine. Failed to respond to XX/XX/2021 request for debt validation. 45 days have passed as of XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an " Amazon Store Card '' through Synchrony Bank with a {$0.00} balance. Synchrony just lowered my credit limit from {$3500.00} to {$1000.00} without telling me, negatively impacting my credit utilization ratio. I am in the process of applying for a mortgage and this made my credit score go down significantly. 

Synchrony claims that they sent out a letter or email prior to lowering my credit limit, but I received no such communications from them. I found out about the decrease through the credit monitoring service I pay for, MyFICO, when I received a notification yesterday, XX/XX/2020, saying that my limit decreased. A quick search of online credit forums reveals that they've done this to many people, without any advance warning. I immediately logged in to Synchrony and requested an increase, which was immediately approved for {$5000.00}. However, my score has already taken a hit and I am worried about my mortgage application. 

I called Synchrony today at XXXX EST to ask them to immediately update the credit bureaus with my current credit limit, but they declined to do so. I spoke with a customer service rep named XXXX and his supervisor named ( XXXX or XXXX ). They both claimed they had no authority to send an out of cycle update, despite the fact that their company totally screwed me over. 

I am trying to put an offer in on a house *today* and am worried I will have to pay a higher interest rate because of this. I am completely blindsided and don't want to end up paying a higher interest rate or missing out on the property entirely while I wait for my score to update. There's another offer already and the sellers aren't going to wait around. Please make Synchrony report my new {$5000.00} credit limit immediately to all bureaus.
Product: Checking or savings account

On XX/XX/23 I received a email from capital one that my 4 banking accounts would be closed and they decided to end a banking relationship. Thats cool. 

I went into the bank account and they froze my account and will not allow any withdrawal. I ask them why my account could not be closed so I can get my money and they told me its because my account is under investigation. They refused to tell me what is was under investigation for or give me a time line on when a resolution would come. The representative told me it could take up to 90 days, up to 90 days of CAPITAL ONE ILLEGALLY HOLDING MY FUNDS and preventing me from paying my bills. Im in the process of having a attorney look into this and to get the courts involved.
Product: Payday loan, title loan, or personal loan

Affirm credit financed an item for me from XXXX the order number from XXXX was XXXX. The package from XXXX never arrived, although tracking shows it was delivered, I never received the package. I asked XXXX to help but they refused saying the packaged was delivered and i need to dispute the item as not received with Affirm. {$440.00}. So i finally disputed the item as not received with Affirm and i immediately got an email that says even though i disputed the item as not received with affirm their is nothing they can do because they must always follow and do anything XXXX tells them. This is ridiculous I do not have a valid loan with affirm because i never received the item. So i have no merchandise but yet I have a loan with affirm and they refuse to help in anyway and they have also threatened if i miss one payment they will ruin my credit for life. I am being blackmailed by affirm. I do not have any merchandise but they are charging me for it and refuse to help or investigate. I want this loan account cleared and marked paid in full because I DO NOT HAVE THE MERCHANDISE. Attorney general is also being contacted.
Product: Credit reporting or other personal consumer reports

I am writing to revisit the matter of my filed complaint. I recently received notification that my complaint was closed without any further resolution.
Product: Credit card or prepaid card

My card was lost and a fraudulent charge appeared on the card. Company recognized the loss and sent me a new card but refused to put into dispute the fraudulent charge because they could not " verify '' me. I spoke with XXXX whose ID is XXXX. Absurd that I am expected to pay a fraudulent charge because the company could not verify me when I complain about it. This is a process designed to avoid taking responsibility for fraudulent charges which the company MUST do under the Fair Credit Billing Act. They are breaking the law and should be admonished for this. If I report a charge as fraudulent, they MUST deal with that charge - they can not ignore my complaint
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit profile shows unauthorized inquires on report. 

XXXX, XX/XX/2022, WF CRD SVC, XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX, XX/XX/2022,
Product: Credit reporting or other personal consumer reports

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

My name is XXXX XXXX XXXX My complaint is in regard to Experian XXXX and XXXX XXXX. Dating back to XX/XX/XXXX I appointed A credit repair company known as XXXX XXXX XXXX to repair my credit, XXXX automatically sent dispute letters. to me My job was to sign my name and then sent these dispute letters to XXXX, XXXX  and Experian.after I have been corresponding these dispute letters to all 3 agencies, However all 3 agencies have not been abiding by the law. In XX/XX/XXXX all 3 agencies responded and exclaimed that they could not identify who I was. This was not true because I enclosed copies of my drivers license, social security number, and a credit card bill. I hope you can contact all 3 companies and make them abide by the rules. if they need more info they should contact me at XXXX XXXX or XXXX instead of disposing of my letters with a redundant excuse. Your sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXXXXX  I submitted a dispute, using equifax online portal, regarding some inquiries that I did not authorize. The company is saying they verified these inquiries, but did not specify how they researched these unauthorized inquiries. These inquiries are damaging my credit file and they are not removing them as they should. These inquiries are unverifiable and they can not prove that these are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's assessed late fees to my account in error which subsequently resulted in a massive charge of late fees and inaccurate reporting of late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed multiple disputes with Transunion regarding an account thats being reported by XXXX XXXX University saying that I have a loan with them. I do not presently not have I ever had a loan directly with XXXX XXXX University. Ive tried to address this directly with XXXX XXXX as well as dispute this issue through the bureaus. I have never signed any loan documents nor a promissory note with this creditor, yet I have asked for documentation to prove this loan their reporting belongs to me or for TransUnion to remove it from my credit report. 

The creditor has never provided any documentation or loan documents with my signature as requested to me or to TransUnion and yet TransUnion refuses to remove it from my credit report. I just want TransUnion to remove it from my credit report because I dont have a loan with XXXX XXXX and never have.