23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

An account from and old apartment complex was sent to Fair Collections & Outsourcing , Inc, the company failed to notify me that an account was placed in their office for collections, no letters were sent and no phone calls were made, i had no knowledge of this debt until i pulled ac copy of my credit report and noticed they made an inquiry to view my credit history, i immediately called the company regarding this to get understanding of what this debt was, the representatives were rude, they would hang up on me, they would keep me on extensive holds and their excuse was they had to take multiple calls at once which is completely ridiculous where i could n't even get my questions answered because the reps were rushing me and completely out of character, i disputed the validity of the debt because the charges were absurd and were made up, i immediately contacted the original creditor via telephone XXXX and spoke to a XXXX XXXX who had the correct charges disputed and advised me that she will advised the creditor they need to take a payment plan from me once they received the correct balance updated and someone would reach out to me to set up the payment plan, i confirmed with XXXX that this account owls not be sent into collections as long as i made payments and she assured me that it wouldnt, a few months went by and nobody contacted me by phone to tell me they received an updated list of charges and would be setting up a payment plan for me that would fit my budget, instead i get an email from the credit bureaus stating the account was reported on my credit report, i contacted the company and immediately asked they remove this from my report since i was not given adequate time to even pay this balance nor was i notified they updated the correct billing charges, i spoke to a representative named XXXX who was extremely rude and refused to assist me and told me he was n't removing this from my report, this company has violated many laws of FAIR DEBT COLLECTION ACT, from not notifying me of my debt, to listing items on my credit report without my knowledge of even owing the debt, from being disrespected and mis treated by representatives and having up on me and failing to collect the correct amount due of the balance owed after being instructed specifically by the creditor.
Product: Credit reporting or other personal consumer reports

Concerns Regarding Collection Practices Under 18 USC 894 I believe that the below agency may violate certain provisions under 18 USC 894, which pertain to extortionate credit transactions. XXXX XXXX XXXX and Midland Credit Management ( a ) Anyone who knowingly engages in or conspires to participate in the use of extortionate means : ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non-repayment thereof, shall be subject to fines under this title or imprisonment for a term not exceeding 20 years, or both. ( b ) In any prosecution under this section, to establish an implicit threat as a means of collection, evidence may be presented indicating that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat is alleged, collected or attempted to be collected through extortionate means, or that the non-repayment thereof was punished through extortionate means. ( c ) In any prosecution under this section, if the evidence is introduced indicating the existence, at the time the relevant extension of credit was made, of circumstances described in section 892 ( b ) ( 1 ) or section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor regarding the creditor 's collection practices is unavailable, then, to demonstrate that words or other means of communication used as a means of the collection did carry an express or implicit threat, the court may, at its discretion, allow evidence to be presented indicating the reputation of the defendant in any community to which the person against whom the alleged threat was made belonged at the time of the collection or attempt at collection. These agencies have violated my rights and continue to do so.
Product: Credit reporting or other personal consumer reports

Two hard inquiries were placed onto my report without consent or authorization from me to even be put onto my credit report.
Product: Debt collection

I contacted sezzle via email in XX/XX/2023, advising them that my charges off account was paid and that the credit bureaus would need to be updated. I received a response back from XXXX, XXXX ( Sezzle Shopper Support ) XX/XX/2023, XXXX XXXX CST Advising me : Thanks for contacting Sezzle Shopper Support. 

We understand you are reaching out due to a recent inconsistency with your credit report. 

We identified an issue with a recent report that required a correction. This correction first removed Sezzle from your report, which you likely recently noticed, and then a new report was quickly submitted to XXXX. 

This correction should reflect on your credit soon if not already, depending on how frequently any credit reporting services you use. Don't worry, once applied, your credit report would reflect as if the inconsistency never occurred. 

If after a few days you are still seeing an issue with your refreshed credit report, please reach out and let us know! 

Best, XXXX Sezzle Shopper Support I disputed the balance with XXXX in XX/XX/2023 and lost the dispute despite providing evidence that my debt is paid in full. Sezzle needs to update XXXX, XXXX and XXXX that my debt is paid in full, I dont owe a balance, and havent in more than 6 months.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C 1681 e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30 day period ( 15 U.S.C 1681i ( a ) ).
Product: Credit card

I received this creditcard ending in at my request.. Icontacted them several times to CLOSE the account, but I 'm still receivingpromotions and statements.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax they doesnt wan na recibe my letters Ive sending a tong of letter and they doesnt accept it they dont wan na update my credit a lot information on my credit report is wrong or belong to someone else and they dont wan na do nothing about
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack. it is unacceptable that I have to PAY to freeze my credit when I did not consent to my information being stored by XXXX, Experion, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I reach out to transunion about some inquiry on my credit report. They didnt removed them and I was a victim of identity theft.
Product: Credit card

I NOTICED SOMEONE APPLIED FOR SOMETHING IN MY NAME THAT I DID NOT AUTHORIZE.
Product: Payday loan, title loan, or personal loan

This account was opened XX/XX/XXXX.. I paid what I borrowed XXXX t interest 123.4 % total XXXX or more and this company posted this to my credit report on XX/XX/XXXX saying I ole XXXX and states is was opened XX/XX/XXXX! This is invalid information and needs to be removed of my credit report.. I tried to contact them several times for proof and no one has followed up with my request.
Product: Credit reporting or other personal consumer reports

This account was cancelled on the following date : XX/XX/year> Since then, the account has been repeatedly updated as cancelled every month. This is an update to the payment history. A cancelled account should not include an active payment history. 
This inaccurate information falsely manipulates the statute of limitations. Please investigate this account properly after I asked you to do so TWICE and your negligence has violated my rights, I demand the deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

FOR XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XX/XX/2020 Beginning XXXX XXXX Transaction 1 : XXXX - Declined Transaction 2 : XXXX Approved Received call to approve transaction When Mrs. XXXX XXXX XXXX, XXXX called in the card was placed in review status and so it begins : NOTE - LISTED WIFE AS CARDHOLDERER SINCE NO OTHER CHOICE Set up card to in new website to pay for a purchse when started to check out " Card not accept card '' ( My wife gave XXXX XXXX this time ) We thought had entered the card incorrectly so I just entered another card as my wife, who has to enter for me was in a hurry for an appointment. 

I received a fraud alert and my wife called as she is authorized to speak for me and identified herself as MRS.XXXX XXXX XXXX, XXXX and gave them all the information regarding the transaction and the card information. XXXX told her to slow down - she was reading too fast. He could hear that she was in her car. She told him she was and even advised that she was driving in the car was. Notes were added to the file years ago that she would ALWAYS CALL IN FOR ME!!!! NO QUESTIONS ASK. 

They now are reviewing the account. Spoke to my wife in a awful matter. Then when she called to reset the password - they wouldn't and said I have to go to a bank and give them ID. It is difficult for me as I am a XXXX and XXXX patient. 

XXXX XXXX with Fraud spoke to her in a down grading tone and would not listen to her explanation. XXXX with Online Services would not speak to me. We understand Fraud protection, however, if we were trying to Fraud BOA and were a risk we would not have called. I am XXXX XXXX XXXX and my wife takes care of all of my business.

These people have caused a hardship on us because their system didn't work. My wife is suffering mental distress and duress from how she was treated. The XXXX was violated because the persons waiting on us felt we were too old and of a Race and XXXX that they did not have to provide any customer service. It was evident the agents were not " old white persons '' and didn't want to be bothered and could care less that they were upsetting and inconveniencing us. XXXX would not give my wife a time for the review to be completed. It was evident he thought she was a liar and CROOK! 

We feel we are being targeted due to our age, XXXX and socio-economic status and want our card reactivated immediately. 

We appreciate the fact that this company 's Fraud Department was looking out for us, however, if there system had not had a CLITCH in it, this would not be happening. This was frustrating in itself. And if they are going to investigate fraud, they do not need to be condescending and rude to not only senior citizens, but anyone who are just trying to TELL THE TRUTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Equifax who currently has INACCURATE, FALSE, UNDULY, UNLAWFUL and UNFAIR information on my credit report from XXXX XXXX XXXX 


COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 Equifax responded that it will use the same false unlawful information from the same furnisher instead of looking at my bank statements and looking at my credit report, SEEING THAT XXXX FURNISHES UNDULY UNLAWFUL INFORMATION ON MY ACCOUNT, and then properly deleting XXXX from my credit file in accordance with CFRA. 

Equifax has NEVER done what they are OBLIGATED to do and REMOVE XXXX FROM MY CREDIT FILE due to XXXX reporting inaccurate, false, unduly, unlawful, and unfair DAMAGING information on my credit file. 

Instead of looking at ALL the proof I sent and deleting XXXX  unlawful reporting, Equifax tells me it will obtain the same false information from the same furnisher. 

This behavior is ILLEGAL. 

Equifax has REPEATEDLY dismissed my disputes about XXXX SAVINGS BANK stating REPEATEDLY exactly what they just stated in their response HERE. They take WRONG UNLAWFUL INFORMATION from the same furnisher and they keep it on my account VIOLATING MY FCRA RIGHTS. 

The inaccurate, false, unduly, unlawful XXXX reporting must IMMEDIATELY be removed from my credit file.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Bank account or service

my applying to open the account of First Tennessee Application by online Has Been Declined.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.
Product: Debt collection

midland funding is trying to garnish me and I have been trying to settle this account and they wont call me back. I am sick and cant be going through this. 
They dont want to call me because they dont want to settle the account and just want the payment in full
Product: Checking or savings account

To whom it may concern, On XX/XX/2021, I deposited {$1100.00} to my bank of America bank account. The machine stopped working during depositing money and the message appeared. It said there was an issue and {$300.00} was deposited to my account. Therefore my {$880.00} dollar was missing. Then I called the bank immediately. They made a claim. But the bank decided there was no problem with my transaction and refused to pay {$880.00} on XX/XX/2021.
Product: Debt collection

On XX/XX/2023 Hayt Hayt & Landau P.L. fraudulently began receiving 25 % of my employment pay from my employer, XXXX XXXX. I never received notification from Hayt Hayt & Landau P.L. of a Garnishment, nor was I served paperwork, or a letter to appear in court, that I was being sued for a debt. Hayt Hayt & Landau P.L. also has sent inaccurate information to the credit agencies causing me to be denied for a home.

Hayt Hayt & Landau P.L. received a Debt Validation letter from me, ( CERTIFIED ), and I have not received a response from them as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never opened and or signed for the note loan under the account number in question with XXXX  that is being reported on XXXX and TRANSUNION. When notifying XXXX of this, they validated this alleged loan debt by sending me documentation of a different account number from that which was being reported to XXXX XXXX  and TRANSUNION. 

I forwarded this incorrect information to the credit reporting agencies to confirm the inaccurate reporting. XXXX deleted the information while XXXX and TRANSUNION verified the differing information as accurate and continued to report the information in spite of my request for its deletion. 

In the month of XXXX XXXX reported to XXXX and TRANSUNION that I had made a reduced payment on what was a {$7400.00} balance to settle the debt and bring the balance to {$0.00}. I notified XXXX XXXX and TRANSUNION that I did not make any payments, reduced or otherwise to bring the balance to {$0.00} and I also notified them that I did not open this note loan that the 3 of them are reporting. 

XXXX, XXXX and TRANSUNION continue to report this account with a balance of {$0.00}.
Product: Credit card

They are reporting an updated balance on my report and the account has had no payments and no scheduled payments, they did this because I keep disputing it to keep it on my credit even longer. They also show a past due amount on a charge off account. And dates and other amounts are different between all bureaus!
Product: Debt collection

In XXXXXXXX XXXX XXXX I received several copies of invoices from XXXX XXXX XXXX  of account statements with withdrawals under my name with several different addresses from XXXX with XXXX. The first invoice dated XX/XX/XXXX through XX/XX/XXXX had a balance of XXXX and my actual previous address. On the invoice dating XX/XX/XXXX through XX/XX/XXXX there is a balance of {$1600.00} and another invoice dated XX/XX/XXXX through XX/XX/XXXX with a balance of {$1600.00}. These last two invoices had two different addresses. In XXXX I called XXXX and provided my name and social security and asked them if there was a credit card opened under my name and social security and they said there was none issued. I attempted to file a police report several times but they did not open a case as they claimed it was fake. On XX/XX/2023 I received a court summons as this debt was being collected.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.
Product: Credit card or prepaid card

I transferred him money through XXXX. I used Wells Fargo, he used Wells Fargo he said. He gave me his name, email address and phone number. He said this was the service he was most comfortable with. Since I had used it before and he gave me all the details I wasnt that concerned with it. The transfer went through. He called me about 5 minutes later to confirm he received the money and said he was logging into XXXX, and Id have the tickets in the next 5 minutes.. I didnt receive them and called him back, he answered right away and said he had initiated the transfer and it might just take a few minutes.
Product: Mortgage

Back in XXXX I requested a payoff amount for Alliant Credit Union mortgage # XXXX effective XXXX received a Payoff Statement showing XX/XX/2020. I e-mailed the CU that I would wire that incorrect amount and we could adjust numbers later. I did that and paid off the mortgage on XX/XX/2020. I got another Payoff Statement showing XX/XX/2020 but using the same principal balance as the earlier statement. During the flurry of e-mails about this I started to doubt the numbers being provided and requested an audit three different times, but got none. So I downloaded an amortization schedule for this mortgage and performed a pseudo-audit. My numbers did not agree with the CU 's. I was told that interest is paid in arrears. I sent a full dossier by mail to the RESPA office ( same address as the CU ) which they received on XX/XX/2020. No 5 day acknowledgement of receipt or any other reply ever received. I sent a follow up letter to RESPA on XX/XX/2020 with the same results. 

Your instructions indicate not to include too much info, but if needed I can reproduce the entire dossier I sent to RESPA. I believe the property address is likely important so here it is : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Thank you for your help. 

XXXX XXXX XXXX XXXX