23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX @ XXXX from XXXX Ohio contacted me today at XXXX XXXX PST from XXXX with a recorded message that " my refusal to sign for a summons could result in negative action against me in court. '' When I was connected to a live person I was informed that they were contacting me regarding a prior loan/debt from XXXX XXXX dating back to XX/XX/2007and a vehicle purchased for my ex-wife. Their representative informed me that this was a " courier '' message related to " pending litigation. '' At that point I told them this debt was disputed and several years outside the Nevada statute of limitations for filing an action. At this point they tried to tell me they were merely a " mediation firm '' and not a debt collector, despite their attempts to have me pay on an unenforceable debt. This is a clear violation of the FDCPA. Though they would not give me their address, they called from the above number and provided a fax number of XXXX. I am requesting my statutory damages for their violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is listing a XXXX XXXX credit card ending in XXXX on my credit report, from XXXX XXXX. This is wrong and should be deleted. I never authorized this account and I already had a XXXX XXXX  card that was opened on XX/XX/2012. 
This is a duplicate listing and under the terms of the FCRA, ( Fair Credit Reporting Act ), incorrect information must be deleted.
Product: Credit reporting 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXXXXXX XXXX, Account name : XXXX Account name XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. 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 a 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 ) ( 1 ) 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

Hello, I have recently discovered that I have been the victim of Identity theft in which such person [ s ] used my credit multiple times over the years. It wasnt very much money at first, thats probably why it was never noticed, but here recently I been trying to purchase a home so I started looking at my credit report more closely. 

In XX/XX/XXXX I discovered that the following Accounts have been opened Fraudulently : XXXX. XXXX {$3700.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$210.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX Main {$7400.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX {$5700.00} Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$680.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX Bank {$4200.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$2400.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX Resolutions XXXX {$3600.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX {$00.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX {$1200.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX {$9600.00} Acct # XXXX Opened XX/XX/XXXX These are all the accounts from Experian that have cross referenced with the Federal Identity Theft Report!
Product: Debt collection

I called the Company as the Authorized Agent on a recorded line to find out why was this going on my credit report that I have no Knowledge of and was given no legitimate answer and the operator hung up in my face before I could get an Answer about the debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my grandmother and i financed a XXXX XXXX XXXX with XXXX XXXX for {$11000.00}. I paid {$3700.00} to XXXX XXXX before my car was repossessed in XXXX of XXXX. After repossession the car was sold at auction for {$7500.00} covering close to all of the {$8800.00} that was left on my loan. I then received a letter from XXXX XXXX stating they would like to settle for less than the rest of the balance that was owed. After paying the amount to settle i was told to wait XXXX business days in which the same thing still reflected on our credit scores. Between XXXX of XXXX and XX/XX/XXXX i was told on numerous occasions to wait XXXX business days and i should see a change. It was once taken off completely then placed back with a even higher amount. I have continued to reach out and they tell me someone will call me back and no one ever does. I have everything in written documentation from XXXX and the creditor they sold my account to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX. XXXX XXXX ( Experian  : XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX-Experian : XXXX XXXX : XXXX ) XXXX ( Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX XXXX   Experian : (  XXXX XXXX : XXXX ) XXXX XXXX XXXX : XXXX Experian : XXXX. XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX/XXXX  ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX CC ( XXXX  : XXXX Experian : XXXX XXXX. XXXX XXXX XXXX/XXXX ( XXXX  : XXXX Experian : XXXX XXXX : XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not give equifax a written consent to put this bankruptcy on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two open accounts thru XXXX XXXX XXXX ( Speedy Cash ) which are not mine theft identity I have sent them a police report and they have nit taken them down. My address which is not mine XXXX XXXX XXXX XXXX XXXX XXXX Texas. My name is not XXXX XXXX XXXX is is also wrong on my repert
Product: Debt collection

As stated prior to, this is not my account. I am not associated with the address or any of the information listed on that 'contract '. I need to be provided a physical copy of the original consumer signed contract with MY SIGNATURE ON IT. This is not my information. In addition, I am requesting to be provided these phone calls as well, because I've never spoken to this company nor have I received services from them. I am requesting all of this documentation which will serve me in compliance to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. I am again formally requesting a copy of any documents, bearing my signature, showing that i have a legally binding contractual obligation to pay them the alleged amount. Nothing that you've shown me proves this account belongs to me! Where is my social security number on this alleged contract? Non existent! My social security # which is needed on any contract proving that it's connected to me, is not on this contract! This is not my account and I'm requesting that it be deleted from my credit report immediately. 

Thus far, they've sent me a paper with the name 'XXXX XXXX ' on it, no social security number connecting this account to me is on this alleged contract, it is not my signature and it's address is a location I've never resided at! Please delete this account immediately. In addition to this, I will like to be provided the phone calls they state they have according to their 'records ' of me admitting this account belongs to me. It does not! 


Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are not removing a XXXX XXXX account that was put on credit in error. XXXX has removed this in a timely manner but Transunion and XXXX  are still reporting this inaccurate information.
Product: Credit reporting

I am trying to apply for a car loan and have a security freeze on my Experian account, I paid the XXXX dollars to get this lifted on XXXX/XXXX/2016 and then they XXXX XXXX can back and said they could run file because I had a federal fraud alert on my phone number. My phone number was not listed in my file, I tried to call Experian they would n't help me over the phone so I logged on and put my phone number on file. Then they said I still had a federal fraud alert on my phone number which is impossible it 's the same number I have had for over 15 years. I just unlocked my security freeze 2 months ago and everything ran perfectly I ca n't get any answers or help from Experian and I am going to lose this deal. If I ca n't get this closed by Monday XXXX/XXXX/2016 it will cost my over XXXX in rebates and discounts.
Product: Checking or savings account

I am writing to fill a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with Insufficient balances despite having initially available funds. I believe these actions are unfair and request an investigation into my account transactions.
Product: Checking or savings account

We are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We just started using Square.com for CC and checking expenses for company. We only have 6 transaction on the ledger as we just started using it. on XX/XX/XXXX we transferred {$500.00} into account for operating expenses. Went to try and purchase Feed for our livestock. It was declined 3 times. Called and they told me my account was under review. the next day got a email stating the account was deactived and they will hold our funds for 90 days before returning. We have had XXXX goats die ( {$500.00} ), had to cancel 4 classes ( {$2000.00} ) plus the {$500.00} they are holding. This is my last attempt before getting a lawyer. I contacted and filed a complaint with the XXXX as well as the Attorney General of TN. XXXX got reply that they will investigate it, note only one goat died at this time. the next day another one died because of this. I immediately logged into XXXX  and reported that I did not accept the resolutions. This was the reply from them and what I wrote back. 

From Square : Hi XXXX, My name is XXXX and I am a Manager with Square. I am reaching out about a XXXX XXXX XXXX  complaint that you filed on XX/XX/XXXX. I am currently investigating this issue, but wanted to make contact with you. I will follow up again once I have more information about the situation. If you have any additional questions related to this issue, please respond to this email directly. I am happy to help. 


Regards, XXXX ( she/her ) Complaints Manager | Square Customer Success ref : XXXX : ref My Reply : From : XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Subject : Re : A Message from Square Support To : Square XXXX Cc : Yes it has been a nightmare I have only used it for like 6 transactions and just started using it for business expenses. We have no reason why it was deactivated. We now have our feed bill for our XXXX XXXX XXXX XXXX XXXX in limbo. It now starts transfer in progress. But every day keeps changing the date started out pending transfer on XXXX next day it changed to XXXX and today changed to XXXX. We are a XXXX XXXX that relies on donations and operating expenses which two of our goats have does since this. And we had to cancel 4 classes as we teach the youth about XXXX XXXX  and sustainability. There was money moved there to test debit card. Then there was a test transaction from website then the feed expense which was denied 3 times even though we moved money into it for this expense. We need that money released so we can feed our animals. Right now we are at a loss for about XXXXXXXX XXXX for the goats. XXXXXXXX XXXX for the classes canceled and the XXXX tied up in limbo. We need a resolve in this matter as if we loose one more animal there will be a lawsuit drawn up. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not receiving the responses from my disputes for equifax. I have reached out to them several times within this year and even sent a formal ftc letter reiterating my rights to confirm the debts in question. I have not received a single response from them as of now.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Against XXXX  for Reinserting Negative Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint against XXXX  regarding their improper reinsertion of negative information on my credit report with TransUnion. 

**Consumer Information : ** - Name : XXXX XXXX XXXX - Social Security Number : XXXX **Creditor Information : ** - Company Name : XXXX  - Address : XXXX TX XXXXDetails of the Complaint : ** I recently obtained a copy of my credit report from TransUnion and discovered that XXXX has reinserted negative information that I believed had been previously removed or marked as resolved. 

XXXX. **Date of Negative Information : ** XX/XX/year> the date when the negative information was first reported ] XXXX. **Nature of the Debt : ** XXXX showing {$170.00} on TransUnion partial account number XXXX XXXX. XXXXPrevious Resolution : ** information was disputed and deleted for not complete account number verification. 

Despite my efforts to address this matter, including [ mention any attempts to dispute the information, such as contacting XXXX or TransUnion and XXXX ], the negative information has reappeared on my credit report. This has caused significant distress and has adversely affected my credit score and ability to secure credit. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that creditors are required to ensure that any information they report is accurate and that they can not reinsert previously deleted or disputed information without proper verification. I believe XXXX has violated these regulations by failing to validate the debt and by re-reporting information that should not have been reinstituted on my credit report. 

**Requested Resolution : ** I kindly request that the CFPB investigate this matter and take appropriate action against XXXX  for their failure to comply with the FCRA XXXX Additionally, I ask that my credit report be corrected to reflect the accurate status of this account. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I am a victim of identity theft. The information listed below, which appears on my credit report, is not my debt. I have spent countless hours and dollars seeking a resolve. The initial police report was filed in XX/XX/XXXX, since that time XXXX more reports have been filed. It appears when my information was stolen those persons secured debt via loans and health care services in my name. I have attached the report filed in XX/XX/XXXX. The persons are still using my information, as it related to one of the theft incidents ; XXXX County has made XXXX arrest. The XXXX County Police Department has advised me to contact you again, along with the social security XXXX, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items listed should be blocked and deleted : Delete the information reported by XXXX XXXX XXXX, ref number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX  XXXX Location : XXXX, Virginia Address : XXXX XXXX XXXX XXXX XXXX Number : XXXX Suspect : XXXX/XXXX  XXXX XXXX   XXXX XXXX Number : XXXX I recently started a business and I was looking to open a business

account with XXXX XXXX, however, after the bank representative told me that I couldn't I figured there was something going with my credit. I went home and checked my credit and saw a HARD check from this company listed above. Other Details : Recently I was granted a 2 year protective order against my biological father, and I believe he works at this company. Statement : This was done without my authorization and I am incredibly upset.
Product: Debt collection

I left the XXXX apartments in XX/XX/2017 owing nothing! And along comes this collection for {$270.00} from Capital Accounts. So I ask for an itemized breakdown of all charges & fees that total {$270.00} and a copy of the original lease agreement I signed. 

All I receive is a boiler plate letter with the amount {$270.00} no breakdown or lease agreement! 

I have disputed this several times through the credit bureaus, asking for an investigation, but it is always validated with no proof.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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 a account without my written instructions
Product: Debt collection

Hi! 
First I don't recongnize NATIONAL CREDIT SYSTEM I never contracted with them. 
I only contracted with XXXX XXXX but later on they left. 

First this debt is not justified, second I was never imformed even though they knew my new address after moving out and contact information. 
I never got a chance to dispute until now, and I only found out because my application was recently denied for a new appartment. 

I used to be a tenant a XXXX for almost 3 years, But I paid everything before moving out, I have receipts and proof. 

During the time I was tenant we had a new management company, But I contracted with the old one, the terms of our contracts were different from this new management. 

for example XXXX XXXX  took {$200.00} as secuity deposit because the appartment was old and no improved. 
I have to call maintenance every weeks for mousings and pets issues which they never fixed, the winter was the worse they did not have heating functioning so they distributed free electric heating devices, but we could not use more than two heaters at the same the time, because the power will go off in the whole house, so it was useless those heaters, I was also leaving with the child who was getting sick often because the cold and pest, I even filed a complaint about. 

Living there was the worst experience of my life as tenant, but I stayed and paid my rent beyond the disconfort. 

This new management company will take you to court if you late on the rent for a day there is no way they will let me stay until the end of my lease if I did owe them anything.
Product: Debt collection

Calls continue up to XXXX times a day, every single day.
Product: Debt collection

The fact that I have consistently met payment deadlines for this account without any delays makes it unjustifiable for me to face such issues. I kindly ask for the prompt updating of my account to accurately reflect this.
Product: Checking or savings account

I was charged {$35.00} three separate times for ACH Return Fee : XXXX XXXX with no explanation. I can also guarantee that at the time of the transaction which likely triggered this that I had sufficient funds available. I suspect this is an example of BoA using APSN ( authorize positive, settle negative ) to be able to charge a fee that is well over the amount of the initial transaction. I tried to contact Bank of America customer service and was falsely told that this was a charge from a merchant, not from the bank itself. After getting the run-around and contacting the merchant directly, who had no record of any such fee, it is obvious that this is indeed a fee charged by Bank of America . 

Initial transaction : less than {$20.00} Total fees from Bank of America : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an offer from XXXX offering XXXX XXXX with soft pull inquiry using data provided from credit bureau ( Transunion ). I agreed to the offer for soft pull inquiry and entered my personal information, including full social security number. Somewhere along the line a hard pull inquiry was submitted to Transunion without my consent. I was alerted the next day that there was a hard pull on my Transunion report. I immediately called XXXX XXXX rep who stated the offer may have began as soft pull but once I was approved they ran a hard inquiry on my credit. This hard inquiry was obtained without my consent. I only agreed to soft pull as I'm not interested in obtaining any unnecessary personal credit cards currently. The rep said the card was already sent in the mail and there was nothing XXXX XXXX ( processor of XXXX XXXX ) could do about it. I never activated the card because I didn't agree to a hard pull nor did I agree to open the account once I saw the unauthorized hard pull on my Transunion report. However, XXXX is reporting that I opened an account on XXXX ( which I immediately called to cancel due to fraud on their end ). The XXXX card still came in the mail and didn't show as closed in their system 2 weeks later on XX/XX/22. Please investigate the matter as this practice is very deceptive and being advertised as soft pull, only to lead customers blindly into a hard pull against their knowledge. This partnership with XXXX and XXXX XXXX XXXX card fraudulently obtains credit information with hard pull after advertising to consumer as soft pull. XXXX XXXX  exact wording in emails received states : " XXXX XXXX is a different kind of credit cardyou can see your credit limit and interest rate offer without impact to your credit score ''. I've attached proof of the advertisement that I received for regularly for months before deciding to accept. I've reached out to Transunion multiple times about reporting this inaccurate account and tried to dispute but they say I need to reach out to XXXX XXXX. XXXX XXXX states they will not change anything on my report.