23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A man first called my employer 's office, purporting to be from a law firm, Harbor Firm Acquisitions. The office manager refused to allow him to speak to me, told him I was not allowed to receive personal calls at work, and then hung up on him. The man then proceeded to call back XXXX times, and to be so harassing, the office manager had to instruct all other personnel in the office not to answer the telephone until he finally ceased calling. 

A week later, a woman from Harbor Firm Acquisitions called my personal cellphone from a telephone line that spoofed the telephone number of the local county courthouse, and left a message on my cellphone stating that she was trying to arrange delivery of legal documents in reference to a debt. Rather than giving me a local telephone number to call for information, she then gave me the number of the lawyer 's office - Harbor Firm Acquisitions. I called the court house, rather than the lawyer 's office, and was told that no such person existed at that number, and that no documents were waiting for delivery to me. I have since received no physical paperwork from their office. 

This week, the man from Harbor Firm Acquisitions is again calling my cellphone and my work number. He has refused to give me any number other than an XXXX number ( so I can mail or fax a request to cease all communications, except in writing ). I ca n't get a written verification of the debt, to see whether this is something I owe, or is instead part of a debt collection scam.
Product: Money transfer, virtual currency, or money service

In XX/XX/2023, I requested a transfer from XXXX to my simplicity, Citibank card. Apparently it went to a company named XXXX I knew this from the letter that Citibank sent me back stating they sent the money. Nothing they can do when I called they suggested that I call the company which I did and got a letter indicating XXXX that this must be an error because their company does not accept electronic transfers, nor do they accept credit cards because they are an industrial company. Ive been back-and-forth opening up for investigations which close with the same exact letter so I went to the bank and the rep assisted me by calling them and unfortunately it was the same result. I got the fifth closed investigation with the same letter that they paid the company, but the company didnt receive any money because they dont accept electronic transfer. I tried to explain to them that the money is somewhere with Citibank and never left.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> {$8500.00} was transferred from my bank account into Coinbase. I then noticed that there were transactions occurring within my coinbase account that were not initiated by me. I immediately requested a password change and that my account be locked so that no money could be transferred out. Instead of helping me secure my account, Coinbase locked me out of my own account for XXXX hours for verification and when I was finally able to log back in, all my money was gone including additional funds I had in the account before that day. I called Coinbase begging for help and begging to get my money back but they denied my request and told me it was my fault and that I had initiated the transfers when I did not. I requested they provide the IP of whoever or wherever the transfer was requested from and they denied it knowing that I was not the one who requested these transfers. I dont know who stole my money or how they did it but my money was stolen and denied. Ive been trying to fight this for the past year but Coinbase is not helping me at all and refuses to cooperate. Please Assist!
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with Experian on XX/XX/2022 to remove hard inquires from XXXX and XXXX  XXXX XXXX and place fraud alerts.
Product: Payday loan, title loan, or personal loan

I told them I wanted to stop all ACH transactions because I was filing bankruptcy. They continued to add charges to my loan it was {$910.00} now it is {$1100.00}. They started sending harassing e-mails saying they were going to take the full amount from my account. They made me agree to a payment plan I was not comfortable with to stop them from adding more charges to my loan. I told them I may have to change it if I have XXXX. They emailed me and asked what kind of XXXX I was having despite the HIPAA laws. They also asked several personal questions like how much time would I need off, if I would be paid when I am off etc. I told them I had no contact numbers and the sent an email saying what do you mean you have no work number? The harassment continues. The employees name is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I request delete the not authorized hard inquiries below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On our about XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX  XXXX XXXX  in XXXX, TX. Returning to my home at XXXX XXXX XXXX XXXX, XXXX, TX I used the toll road Interstate XXXX around XXXX. My car had TX temporary plate XXXX. On XX/XX/XXXX I received a collection letter from Valor Intelligent Processing ( XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX ) on behalf of the XXXX XXXX  XXXX XXXX ( XXXX ) with no identifying account or plate number informing me that I had been turned over to a collection agency. I had received NO NOTICE that this toll was due previously. Contacting the XXXX was unproductive and evidently they have switched to XXXX from their previous collection firm. 
I paid the {$45.00} and am not sure how much was the actual toll and how much was the agency fee. 

I am requesting your assistance in obtaining a refund for the agency fee and any record of this collection action removed from my credit report. 
My account can be accessed by my cell # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information for account XXXX XXXX XXXX. I do not think an investigation was done because the creditor informed me that Experian has not reached out for any information. Lastly, the credit bureaus are reporting inconsistent information which is clearly a violation of the FCRA- all data furnished should be accurate. I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 16811 e b maximum possible accuracy if this account is not removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

XXXX  Credit Report showed on my records that I have 30 days past due with XXXX  store in XXXX  2018. I opened dispute. They completed it and it still shows 30 days. I made payment in XXXX  XXXX   . But it says on my records  30 day past due in XXXX. And it brang down my credit score
Product: Checking or savings account

I was on my lunch break from my job I went to XXXX XXXX at this location XXXX XXXX XXXX, XXXX XXXX, CA XXXX I tried to purchase food using my discovery checking account card the transaction have failed but I called Discovery that day it was a pending transaction it told me to wait till it process and post then I called them back today it told me that nothing they could do told me to go back to XXXX XXXX I talked to them
Product: Checking or savings account

When my checking account was opened I opted out of overdraft protection. several times I have contacted the bank and found that the overdraft protection was never turned off. This summer my account went into an overdraft and there were no funds to cover it and they closed my account. had they honored my wishes and the law then my account would never have overdrafted and I would have had my transactions declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law, USC 1681, and USC 1681s2 That I have the right to privacy, and that I did not give authorization for this information to be put on my credit report XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX contacted sunrise credit to discharge this debt that was not owed I have a zero balance I have also supplied bills that show zero balance sunrise will not give me dates and what these charges are for
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected the nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and I noticed that there were unauthorized inquiries on my credit report. These inquiries have been detrimental to my credit health and everyday life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$510.00} XXXX {$2500.00} XXXX XXXX XXXX {$390.00} XXXX  XXXX XXXX {$180.00} XXXX XXXX   XXXX $ XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$440.00}
Product: Debt collection

Wells Fargo Bank sent a false loan verification over to XXXX XXXX in XXXX stating that I took out a loan in the amount of {$420.00}. In fact the loan was canceled in XXXX and I have proof of it, while providing that proof to the bank they have refused to send the money back that was taken. They have also retaliated by submitting false information to the credit bureau stating that this account was late and defaulted by reporting rolling XXXX lates to all three agencies. I have since disputed asking for the note that was signed for this loan amount of which they have not been able to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of refinancing my home. I alerted my lender and XXXX-XXXX  XXXX of the impending re-fi and was told that as long as payment was received before midnight on XX/XX/XXXX, that there would be NO adverse late payment reporting to the 3 Credit Agencies. I have documentation that XXXX XXXX received the payment and total loan payoff on XX/XX/XXXX. 
I submitted all of the documentation to all 3 Credit Reporting Agencies. Only XXXX  removed the late payment ( in error ) from my credit report. Equifax and XXXX XXXX were both contacted and also received the same information that XXXX   received. They are still showing a late payment on my credit report after communicating with me in XXXX, XXXX that the late payment would be removed from my credit report. 
It still hasn't been removed by either XXXX XXXX or Equifax. 
Could you please help me resolve this issue with these 2 credit reporting agencies, as I have never had a late payment and they refuse to help me. 
Sincerely, XXXX XXXX XXXX or XXXX
Product: Checking or savings account

I opened a account with ally Bank in XX/XX/XXXX. I had maybe {$14.00} dollars in the account. I live half the year out of the country. My room mate has opened a ally Bank account as well. And he two spends time with us in XXXX XXXX. XXXX XXXX. Anyway. On or aboutXX/XX/XXXX-XX/XX/XXXX. My Ac king was suspended. They asked for a copy of my drivers license to fraud@ally.com. Which I sent. I have had nothing happened since. I called. I emailed nothing can be done. 

XXXX XXXX Ally Bank Checking XXXX
Product: Checking or savings account

I am executor of my mother 's estate. I requested to open estate savings account with USAA. I was mailed application from USAA to open this account. I completed the application following the printed directions on the application and sent it back to USAA digitally per USAA request. I then received a call telling me I had not completed one section of the application. I read the instructions on the application to the caller which clearly stated I was not to answer these questions and to skip to the next section ( which I had done ). I mistakenly assumed this resolved the issue until I received a letter about the same issue. I again called and this time spoke to " resolutions department '' about this issue. I was assured by the gentleman this matter would be resolved and the account would be opened " today ''. Unfortunately, I realized that was a lie when I received yet another letter about not opening the account because of the section I did not answer. Again I called USAA and after being on the phone for OVER XXXX MINUTES, I was finally transferred to a member of management. ( I was not transferred to management until I stated I would file a complaint the Federal Reserve ) When I explained this farce to him, he assured me the estate account would be opened " by XXXX EST and I will call you to confirm this ''. He was a man of his word ; the account was opened and he did call me back. It took WEEKS and HOURS on the phone to get this account opened because of the incompetence of USAA personnel. I was told repeatedly my calls could not be transferred to a member of management -- why?? Are the practices a USAA so " shady '' that these roadblocks are in place to frustrate their customers in hopes the customers will just give up trying to get issues resolved? Unfortunately, I am still dealing with issues regarding this estate account and have spents copious amounts of time on the phone trying to resolve these. I have been told repeatedly I can not speak with management. I have had respresentatives tell me they can not email me copies of forms I emailed to USAA. Because of all of the issues, I called USAA today to request to close out all of my USAA banks accounts. I requested to transfer the funds in the estate account to my checking account ( because I was told I could not close out the estate account until it had been opened for 30 days ) and was told it would take 5 DAYS for the funds to be transferred from my USAA estate account to my USAA checking account. Those funds were transferred via wire into the estate account on XXXX so there is no legitimate reason for this delay in the transfer. I was also told that my request to close out my accounts could not occur today and I would have to call back another day. WHY is USAA allowed to conduct business like this?
Product: Credit reporting or other personal consumer reports

Subject : Discrepancies and Errors in Credit Report - Request for Correction Dear Sir/Madam, I am writing to bring to your attention several discrepancies and errors I have discovered in my credit reports from XXXX, Equifax, and XXXX. As a consumer, I understand that the law requires accurate reporting, and I kindly request that you take immediate action to correct these inaccuracies. 

Below, I have outlined the discrepancies I found in my credit reports : Credit Report Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is evident that there are inconsistencies in the way my name is listed across the credit reports. The correct and accurate information is XXXX XXXX XXXX XXXX  I kindly request that you rectify this error by removing any variations and ensuring that my name is consistently reported as XXXX XXXX XXXX XXXX across all credit bureaus. 

Additionally, I have noticed that my date of birth is reported differently on the Equifax credit report. The correct date of birth is XXXX XXXX XXXX' I kindly request that you update the Equifax credit report to reflect the accurate date of birth. 

Furthermore, I would appreciate it if you could conduct a thorough review of my credit reports to identify any other discrepancies or errors that may exist. As a responsible consumer, I believe it is crucial to maintain accurate credit information, and I trust that you will handle this matter promptly and efficiently. 

According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information within 30 days of receiving a dispute. Therefore, I kindly request that you complete your investigation and provide me with written confirmation of the corrections made to my credit reports. 

Please find enclosed copies of my identification documents, including my driver 's license and Social Security card, for your reference and verification purposes. 

I appreciate your attention to this matter and look forward to receiving written confirmation of the corrections made to my credit reports. Should you require any further information or documentation, please do not hesitate to contact me at the address provided above or by phone at [ Your Phone Number ]. 

Thank you for your prompt assistance and cooperation. 

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

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), it is illegal to report information on my credit report without my written permission ( 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) that you, the TransUnion, XXXX, and XXXX credit reporting agencies, 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. This fraudulent, inaccurate, and false information consists of charge offs that is now taxable income ( no 1099-c ) not disputable debts, closed accounts, and collections accounts opened at XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX the credit bureaus are re-aging, updating, and reporting closed inaccurate accounts and collections as open accounts which is illegal under the FCRA compliance XXXX Never received the debt contract requests from any of the companies mentioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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: Mortgage

Company sent me a debt collection letter. Payments were made electronically and received on time. This company is a interim loan company since ditech went out of business.