23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My XXXX old mother received a phone call from this agency less than a week after my father was buried. The company representative scared my mother mentioning liens against her farm, credit reports, etc. My mother shared that this man 's tone and approach scared her and was very disturbing to her. I called the company and found this individual to be very callous. His lack of basic human decency is beyond pale. Trying to scare an XXXX XXXX XXXX widow out of {$500.00} ( contested debt that my father cleared with the company and yet could not get them to clear in " their systems '' ) is abhorrent. Our father and mother have always paid what they have owed- my father has only contested XXXX things in his life and stood on principle regarding companies trying to collect what is not fairly owed to them.
Product: Checking or savings account

On XX/XX/2024, I opened a checking account with Citibank. I funded a direct deposit of {$1300.00} from my employer on XX/XX/XXXX. Afterwards, I received a XXXX payment of {$160.00} into the account because I was going to use this account for bill payments. 

Shortly after these transactions, I discovered that my online access to the Citibank account was suspended without prior notice. Upon contacting Citibank 's customer service on XX/XX/XXXX, I was informed that my account would be closed within XXXX to XXXX  days. The reason for this decision was not adequately explained, and I was left without immediate access to my funds. The customer service reps just hung up on me multiple times without explanation. 

As a result, I am facing financial inconvenience and potential hardship due to the unexpected locking of my account and the prolonged process to retrieve my funds, which I was told would be returned via check through standard mail within XXXX months. This money is part of my rent money, and I can not wait that long to receive my money.
Product: Debt collection

Enhanced Recovery Company ( ERC ) is reporting an account with XXXX on my credit reports. I sent a letter ( see attached document ) to ERC requesting that they validate the debt. I asked for specific documents including the agreement between them and the original creditor, the original contract with my signature on it, a complete payment history for the account, proof that their company is registered to collect in my state and other information to validate this debt. ERC failed to supply this information. Yet, they continue to report this account on my credit reports in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding 15 USC 1681 Permissible Purpose of Inquiries on Credit Report Dear Sir/Madam, I am writing to file a formal complaint regarding the presence of inquiries on my credit report under 15 USC 1681 XXXX specifically concerning the permissible purpose of these inquiries. According to the Fair Credit Reporting Act, a permissible purpose is required for inquiries made into an individual 's credit report. I have reason to believe that inquiries have been made on my credit report without a permissible purpose, and I am requesting documentation to verify the permissible purpose of these inquiries. 

I request that they investigate the inquiries on my credit report and provide me with the following information : 1. Documentation demonstrating the permissible purpose of each inquiry on my credit report, as required by 15 USC 1681. 

2. Verification that each inquiry is connected to an account that is explicitly listed on my credit report Following inquiries thats on my XXXX account without permissible purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I request that they specifically connect each inquiry to an account that is present on my credit report and provide me with the documentation that was used to verify that I have an open account with the entities responsible for the inquiries. 

I believe that these inquiries may be in violation of the Fair Credit Reporting Act, and I am concerned about potential unauthorized access to my credit information. As a consumer, I have the right to ensure that all inquiries on my credit report are made for permissible purposes and are connected to valid accounts. 

I appreciate your attention to this matter and request that you provide me with a written response regarding the outcome of your investigation within the time frame specified by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX shared my personal information with multiple companies without my consent or giving me the opportunity to opt out. 
I also requested a cancellation of debt from the Trustee XXXX XXXX. 
I have sent the XXXX code, XXXX and IRS documentation to update the debt payments on my credit report. 
They are abusing their power and sharing information without permission, taking advantage of their resources instead of properly using it's resources for just resolutions.
Product: Credit reporting or other personal consumer reports

I just reviewed my Transunion credit report and found that it is inaccurately reporting the following accounts as being late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These late payments are damaging my credit, and I demand that these late payments be removed from my credit report immediately. This violates my consumer rights according to the FCRA. The FCRA law 15 U.S. Code 1681a ( 2 ) ( i ) - Exclusions : States that Transactions ( late payments ) are not to be reported on credit reports. Another violation is 15 U.S.C. 1666 ( b ) ( 4 ) Billing errors : States that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, these accounts are not reporting with 100 % accuracy and must be deleted immediately. Please Delete these late payments and update my Payment History to PAANL status immediately. Also, mail me a corrected copy of my credit report as soon as possible. This is notification that I will seek civil liability as per 15 U.S.C. 1692k for every violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXXData breach, my personal information has been compromised, including 70 critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections and charge off. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Inquiries : XXXXXXXX XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment on XXXXXXXX XXXX. It's not being removed. I had it on automatic payments and I still got a late payment. I have great credit. This should not be there.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX  using the domain XXXX, which involved me making deposits for a total amount of XXXX USD from my TD Bank account to fraudulent investment firm.
Product: Credit card or prepaid card

I want to establish a payment plan on the Gap card debt but the company is not accessible. They are offering no customer service. When one tries to contact them via telephone there are excessively long wait times and there is never a customer service agent via the online chat feature. The company is making it impossible to work with them and they are offering no assistance for people affected buy COVID-19 related hardship. They are predatory, and just keep harassing for payment. They also closed my account after several years having this card and many years of on time payments. If this isn't resolved to me satisfaction, I am going to report this to XXXX XXXX, my Congressman.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft for the past years. There have been Fraudulent Items being reported to my Credit Report. FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I have attached a copy of my FTC report and ID to this. ( Please see attachments ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. 

According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. 

I am well aware that under the FCRA section XXXX disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section XXXX or can not be verified. 

All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! 

Fair Credit Reporting Act XXXX FCRA XXXX protects me and governs the activities of XXXX reporting Agencies and regulates how they report information about me. 

They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required XXXX driver license and SS card ) + a written contract/request identifying me.
Product: Student loan

When I requested 4 month 's forbearance on XXXX XXXX from XXXX XXXX  I was told that the lender only grants forbearance in increments of 2 months. The customer service representative instructed me that I would have to call back at the end of the first 2 month 's of forbearance and request an additional two month 's forbearance. When I called to implement the instructions I was given I was told that I was not eligible for another two month 's forbearance until I 'd made 12 consecutive payments. All calls are recorded and, after some research, the customer service representative confirmed that I had been given correct information. However, instead of suggesting an alternative or in any way trying to rectify the situation I was told there was " nothing that could be done ''. I suggested putting a payment plan in place for XXXX XXXX which would give me time to figure something out. In response to this I was told I " should n't worry about it '' because credit reporting does n't occur until an account is 30 days past due. In summary, I was given false information, held responsible for the information I was not given and then told there were no other alternatives. When I suggested an alternative I was told there was no process or capability on the company 's part to follow through with this alternative.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I transferred the sum of {$3000.00} through WorldRemit Corporation in one transaction to be collected by a family member and, another {$900.00} in another transaction to be deposited in XXXX equivalent into my account in XXXX Mind you, I have transferred money to the same recipient through WorldRemit on multiple occasions. 

On XX/XX/2023, I got a message from WorldRemit asking me to provide more information due to regulatory requirement. I gladly complied. I responded to all their questions and attached my bank statement and my pay stub from my employer as requested by WorldRemit. 

On Thursday, XX/XX/2023, I received a message from WorldRemit that they deposited the sum of XXXX XXXX ( The equivalent of {$900.00} at the time ) into my account in XXXX. However, no money was deposited into my account. Even as I write this message on Tuesday, XX/XX/2023 at XXXX XXXX XXXX no money has been deposited into my account in XXXX XXXX I have checked my account several times, I have called my bank several times, no money was sent into my account. My bank said I have to call WorldRemit. 

From that point I did not hear anything from WorldRemit again. I called their customer service so many times. I ended up hanging up the call after 45 minutes on the phone with recorded message looping around and no human to answer my call. I was lucky to get a hold of their customer service after a very long hold yesterday, XX/XX/2023. I spoke with XXXX who said she had sent the case to the refund department to cancel the transaction and refund my money. 

I woke up to a message from WorldRemit this morning informing me that they suspended my account because I did not respond to their request for additional information. You can imagine how shocked I was to that allegation because their message actually came as a reply to my message where I supplied them with all the information they requested from me, and I also attached my bank statement and my paystub to the message. I replied their message and I told them that I responded to their request and I provided the documentation they asked for. 

As at this morning, I could no longer assess my WorldRemit account, and there is no information from WorldRemit as to the refund of my {$3900.00}. To my amazement, I tried to call their customer service number, only to realize that they have blocked my phone number, so I could not reach them on my phone. I had to call use my daughter 's phone to call them without any problem, though nobody answered the call. As you can see from the attached documents, WorldRemit has not paid me for the transfers that I made, and they have not refunded my money. 

No one to call, no one to complain to. This is fraudulent practice and I don't even know how they are still able to maintain their license as a financial institution.
Product: Vehicle loan or lease

On XX/XX/XXXX I returned the leased car to the dealer. I was contacted by Toyota financial services to pay the lease termination fee of {$370.00} On XX/XX/XXXX I did submit the full payment and I have a letter from XXXX XXXX XXXX XXXX plus my bank statement that shows the exact amount paid to Toyota financial services. 
I havent received a letter to show that my account was closed and has XXXX balance, so Ive contacted Toyota financial services several times between XX/XX/XXXX and XX/XX/XXXX and they keep telling me the same thing I still owe them the money and its soon to go to a collection agency. When I tell them that Ive already submitted my full payment on XX/XX/XXXX, they find it hidden somewhere in their system and they promise to settle the account and send me a letter but they never do. Today ( XX/XX/XXXX ) I called them one more time and heard the same thing. I still owe them the money and when they look deeper they find my payment and promise to settle the account. I told them Ive heard this too many times and Im going to complain about it. They said : go ahead and do it.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any inquiries which are found to be opened due to identity theft. The dispute inquiries do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reported to the credit bureau late payments when I was on a forbearance plan with them. They have reported XXXX late payments which it shows I was on Income based plan with them as well as the COVID-19 forbearance
Product: Prepaid card

I have custody of my grandson and his XXXX XXXX is deposited to a debit card from Comerica Bank. A very large deposit from XXXX  came in about 2 years ago. I tried to do a transfer to my bank to be able to put it into my grandson 's account. This was rejected multiple times. I called and they said there was something wrong with my bank. I work for the bank where my account is and I checked the amount was never pending so not sent. So tried to change the account to transfer to my grandson 's account that rejected. So I called today they are telling me that the account has to be in my name to transfer. I am getting the run around from this company. They told me I could go to XXXX and make cash withdrawals of XXXX. This bank would receive a XXXX transfer fee per XXXX if i go that route. That is ridiculous. I had the XXXX deposits changed from them but the XXXX is still on this debit card. I am sure they have pulled this on others. This is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX  XXXX {$4300.00} XXXX  XXXX {$3500.00} XXXX   XXXX {$12000.00} XXXX XXXX {$1300.00} XXXX XXXX {$850.00} XXXX  XXXX {$4300.00}
Product: Debt collection

Reached out to XXXXXXXX XXXX regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account without a balance due. Please provide proof and update the inaccurate reporting or delete the negative payment status on this account. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPSXXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies checked my credit on those dates and I do not recognize them or can acknowledge. 

On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX XXXX   On XX/XX/2018 XXXX XXXX XXXX  On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXXXXXX XXXX On XX/XX/2018 XXXX XXXXXXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXXXXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX   On XX/XX/2018 XXXX On XX/XX/2018 XXXX
Product: Debt collection

I contacted Vance and Hoffman LLC on XX/XX/XXXX. I contacted them in regards to a credit card account for the surge credit card from XXXX XXXX. When I told them that I had never had a surge card from XXXX XXXX they told me that it was opened in XXXX. I then asked them to send me all of the copies and paperwork of this credit card that was signed by me and they told me that they would get back to me and hung the phone up. They recently just reported this to the credit bureau on XX/XX/XXXX they have the status as being open, and they say that it's been open since XX/XX/XXXX of XXXX. None of this information is correct. XXXX, I never had a surge credit card and they can not provide proof that I have. XXXX, they say that the card was opened on XX/XX/XXXX of XXXX when in fact it was opened on XXXX of XXXX. They say that it was reported to my credit bureau as negative for {$790.00} on XX/XX/XXXX of XXXX. XXXX, I have no proof or evidence that this card ever belonged to me I did not own this card and I have asked them for papers showing that this card belongs to me and they will not provide that to me. Also this account should not be on my credit report because it is XXXX XXXX XXXX not 2 months. This is fraud! Can you please remove this fraudulent company from my credit report. Thank you