23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello! I am disputing a Capital One credit card debt that is on my credit report and that does not belong to me. I was underage at the time of this activity and had no previous knowledge of this. On XX/XX/2021. I disputed the information with all 3 companies of the credit bureau. XXXX, XXXX, and XXXX. Only one company XXXX  has resolved this item all other companies are still reporting inaccurately and is still on my credit report. I sent a copy of my birthdate by current ID. That proves I was well underage at this time. XXXX  sent notice back on XX/XX/2021 stating the account was accurate without any proof of accuracies. On XX/XX/2021 I filed a second dispute to verify with proof of identity with correct date of birth and etc. I have not heard anything back again. I am a entering college and my credit is very important to me. All i am getting is updates to my report stating the account is accurate when in-fact it is not. I feel as though i'm being defrauded and I have been taking all necessary steps to get this cleared up including filing a Fraud alert with the FTC and freezing all my personal info. Please help me.
Product: Debt collection

To whom it may concern : The 53rd Bank is making continual harassing phone calls to me. When I answer the phone, customer service wo n't even answer the phone call. I am sick to death of these phone calls and want an end to this harassment right away. Thank you for pursuing this harassment charge against 53rd Bank. www.53.com is the website address. I really appreciate your investigating this for me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX IN XXXXLast XXXX of SS # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Subject : Urgent Action Required - Inaccuracies on My Equifax Credit Report Dear Sir/Madam , I am writing to formally address significant inaccuracies present on my Equifax credit report, which I have been experiencing for over three years. It has come to my attention that Equifax has violated my rights by reporting incorrect information across multiple platforms, which has severely impacted my creditworthiness and financial stability. 

Upon reviewing my credit report for XXXX, I noticed there is no date of Last Activity listed, Versus information provided XXXX report of XXXX This discrepancy raises serious concerns about the accuracy and fairness of my credit reporting, which is supposed to be protected under 15 U.S. Code 1681, specifically the Congressional findings and statement of purpose regarding ACCURACY AND FAIRNESS OF CREDIT REPORTING. 

Equifax 's failure to provide accurate information is not only a violation of my rights but also undermines the integrity of the credit reporting system. Therefore, I urge the CFPB and FTC to take corrective action regarding this matter. Specifically, I request the immediate removal of XXXX XXXXXXXX XXXX XXXXXXXX from my credit report until these inaccuracies are resolved. 

I trust that you will treat this matter with the urgency it deserves and look forward to your prompt response regarding the steps that will be taken to rectify these issues. 

Thank you for your attention to this serious matter.
Product: Credit card

I previously submitted a complaint ( Case Number XXXX ) regarding American Express 's lack of cash back rewards on my account. Their response was that they would start accumulating cash back going forward ( i.e. from the end of XXXX 2016 ) and handle the missing months ( XXXX 2016 - XXXX 2016 ) separately. Unfortunately, not only have I not received any relief for the missing three months, the accumulation I was promised from XXXX 2016 forward has not happened.
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it

has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).
( b ) Opt ou

t ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. Collection agency has not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collections on my credit report. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX.
Product: Debt collection

This is not my debt, the belongs to my spouse and no correspondence was mailed to the owner of the debt.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter pertaining to my credit report, specifically regarding late payments associated with my account. After reviewing my credit report, I have identified late payments recorded to my accounts. I understand the importance of maintaining an accurate and up-to-date credit history. I am writing to request the removal or updating of these late payments on my credit report. XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or their customer service representative. 
I understand the need for accuracy and fairness in credit reporting, and I appreciate your attention to this matter. I kindly request that you investigate and update my credit report accordingly. Thank you for your prompt attention to this matter, and I look forward to a positive resolution.
Product: Debt collection

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to bring to your attention a collection agency called PBCAPIGRP that has been engaging in questionable practices that may violate several laws meant to protect consumers. XX/XX/XXXX  XXXX. Fair Debt Collection Practices Act ( FDCPA ) : PBCAPIGRP may be violating this law by engaging in harassing or abusive behavior towards consumers. They may be using aggressive tactics, such as repeated phone calls, threats of legal action, or using offensive language. 
XXXX. Fair Credit Reporting Act ( FCRA ) : PBCAPIGRP must accurately report information to credit bureaus. If they are providing inaccurate or outdated information to credit reporting agencies, they may be in violation of this law.

3. Truth in Lending Act ( TILA ) : PBCAPIGRP must provide consumers with clear and accurate information about their debts, including interest rates, fees, and payment terms. If they are not transparent about these details, they may be in violation of TILA. 

XXXX. Consumer Financial Protection Act ( CFPA ) : PBCAPIGRP must act fairly and transparently in their dealings with consumers. If they are engaging in deceptive practices or withholding important information, they may be violating this law. I urge the CFPB to investigate PBCAPIGRP 's practices and take appropriate action to ensure that consumers are protected from any unfair or unlawful behavior. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Georgia
Product: Vehicle loan or lease

I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid XXXX. XXXX XXXX order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of {$62000.00} in accordance with HJR-192 Public Law 73-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Chrysler XXXX XXXX XXXX XX/XX/2022. They accepted my instrument, but did not credit my account correctly. I did call on XXXX XX/XX/XXXX and spoke with XXXX XXXX XXXX XXXX  and XXXX XXXX ID # XXXX recording will be attached and they refused to stand in honor of the law by applying the proper payment. Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without XXXX so they XXXX remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Product: Prepaid card

A deposit was made to my new RushCard by a friend. When I tried to access the funds I could not. Then I heard about the problems RushCard was having so waited several weeks. She made another deposit to my card. I still could not get the money off. Then, the original deposit amount disappeared. While attempting to deal with RushCard on that matter, the second deposit was transfered to another card by Customer Service. I emailed customer service just to be told I needed to call. I have called, been on hold for over XXXX hour just to be told they could not help me. To email. I have mailed, emailed and called. Everyone says to contact the other ( mail said nothing, email says call, call says email. See attached documents. Final straw today. See # XXXX attached. Thanks for any help you can give me!!
Product: Mortgage

The Company Ditech is harassing me with phone calls. They have stated in the past specifically to XXXX. That I was on a no contact list. They are still calling. They lied to XXXX. I have told them to stop. They continued to call. On the XXXX of XXXX I received two calls within 4 Hours. I have told them to stop and they continue. I have also sent them a cease and desist letter. In the past they have called my neighbor.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report for XXXX and Equifax has dropped by 60 points since XX/XX/2021 for no reason. I have paid off a car loan to XXXX  XXXX since last month. I paid off all of my credit cards except for one. I refinanced my home from 3.25 to 2.25 %. The one credit card that I opened has a 16 month intro at 0 %. All of these positive points have been done since XXXX and yet my score goes down 60 points. This is unacceptable and needs to be reported. I contacted XXXX to find out why my report went down and could not get an answer from them
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT RECOGIZE ACCOUNT
Product: Mortgage

Factual Data, from XXXX Georgia pull my credit report without my consent, it show up on my credit report! I have never had any sort of contact with this company I live in NY I have no business with this company
Product: Credit reporting or other personal consumer reports

I have never had a loan or contract with XXXX XXXX XXXX. I have requested a contract in the past and have been sent XXXX contracts that are not me.
Product: Debt collection

A mediation company named XXXX XXXX XXXX XXXX call me from the number XXXX. They told me I had an unpaid debt owed from Everest Cash Advance and that I was being reported to XXXX for fraud reported by XXXX XXXX XXXX due to using a check as collateral and closing the account before the collateral could be paid. They could not tell me the date of this purported fraud other than that it was reported XX/XX/2015. I supposedly owed {$2800.00} but due to Covid relief I could settle for 50 % of that over the phone. They told me repeatedly that they were not a debt collector but wanted to know if I wanted to settle the account before they reported it to XXXX which would then freeze my current bank account for up to 7 years. They were quite rude and hung up on me several times. I called them back several times and they said they would send me written notice but I have not received anything. 
This is a link to their website : XXXX XXXX XXXX
Product: Bank account or service

My US Bank Small Business account was charged overdraft fees for XXXX transactions for which funds were available at the time which the transactions were preauthorized.
Product: Credit card

On XX/XX/XXXX I was checking out at Walgreens at XXXXXXXX The cashier advised me that I could get {$75.00} in store credit if I opened a Walgreens card. I told him I did not want to incur another inquiry or new account on my credit file. He insisted that this was an in-house Walgreens card that did not report to the credit bureaus, so I agreed to sign up. I gave him my driver 's license and then a prompt on the keypad asked for my social security number. I again asked the cashier to confirm this wasn't a credit application and he did. He informed me that my store credit paid for the item I was purchasing and I left the store. 

Soon after I received notifications from credit monitoring apps about a new inquiry. In checking my receipt for the store 's phone number I saw that I had been signed up for a Walgreens credit card. I called Walgreens and told the store manager that the cashier had given me false information that resulted in harm to my credit score. The manager told me that a Synchrony rep had told them that only a soft inquiry would be done and that customers ' credit would not be affected. 

I called Synchrony and explained what happened, and told them I was not trying to open a line of credit. I asked to have the account and the hard inquiry removed. The agent told me all I could do was close the account. I told her I didn't think it was fair that my credit file should be negatively affected because Synchrony gave false information in its guidance to store employees, and that I never would have proceeded had I been given the correct information. She said that technically, no fraud had taken place and therefore she could close the account but the new account entry and inquiry would remain. Now my credit score has dropped XXXX points and I fear my other creditors will take adverse action as a direct result.
Product: Payday loan

I received an alert from my credit monitoring system that I had new changes. When I reviewed, there were XXXX new collections, dated XXXX from Midwest Recovery for XXXX XXXX for XXXX and XXXX XXXX for XXXX. I then contacted Midwest Recovery because I have NO knowledge of these debts. They informed me that they were payday loans take under my SSN through my personal email on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX respectively and in my former name. I did not take out these accounts and have n't used my former name since XXXX. I also do not hold a bank account with the bank that the funds were deposited into and never have ( XXXX ). I was told to file a fraud report with my local police department and have but they will not remove the items from my credit report and they do not belong to me. I went to the FTC website to learn what I needed to do about the fraud and it directed me here.
Product: Debt collection

I am called every morning before at XXXX XXXX. Just this week alone, I was called at XXXX XXXX on Sunday, XXXX XXXX on Monday and XXXX XXXX Tuesday. This has happened every day for weeks.
Product: Credit reporting or other personal consumer reports

The agency is still reporting debt collection which was discharged long ago
Product: Credit reporting or other personal consumer reports

I used Discover 's Pre-Approval form to see if I had any pre-qualified offers. The form clearly states " See if you're pre-approved with no impact to your credit score '' and the fine print states " There is no hard inquiry to your credit report to check if youre pre-approved. If youre pre-approved, and you move forward with submitting an application for the credit card, it will result in a hard inquiry which may impact your credit score. Receiving a pre-approval offer does not guarantee approval. Applicants applying without a social security number are not eligible to receive pre-approval offers. Card applicants can not be pre-approved for the XXXX Discover Card. '' I only checked to see if I was pre-approved, and did NOT apply for any card itself, nor did I authorize to apply for a card, yet I received a HARD inquiry on my XXXX credit report.
Product: Student loan

The Federal Loan website myfedloan.org has been down and isn't accessible. I can't access my tax information, because their website is unavailable, their app is also offline with a " System outage '' that was reported by MyFedLoan on XX/XX/XXXX as " technical difficulties '' that is STILL out on XX/XX/XXXX. The app error says " System outage : The PHEAA server is currently undergoing maintenance. We appreciate your patience. '' For SEVEN DAYS? This is critical information that has been out for nearly a week. Information vital to payments, taxes and other financial matters. How is it acceptable to be shutdown for this extended amount of time without any updates or ETA of availability?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER FINANCIAL SERVICES has violated me as a consumer. They have abused my rights as a consumer! 
Violation 1 : Reporting an experience!

DISCOVER CAN NOT furnish this information to the CRA 's.

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

My two private loans defaulted and the internal collections agents contacted immediate family members, as well as extended family informing them they were collection agents. They also told them they were calling to collect debt for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$710.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed a copy of my consumer credit report and notice a bunch of unauthorized Inquires. The List below is all the unauthorized Inquiries on my consumer credit report. 

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

Both my self and daughter have requested numerous times to have a freeze placed on our consumer credit files.

We have certified acknowledgement that both XXXX and XXXX XXXX have received our requests. As of today, we still have people searching our credit without authorization to do so and false claims on our credit. With the breach of XXXX  and our mail stolen ( with Police report ) we have requested with the 3 credit reporting agencies to put fraud alerts as well.

My daughters credit report was obtained by a mortgage office ; however, we expected to be able to release the check for 24 hours to allow them to pull report. There is NO FREEZE on these accounts.

If we don't receive the cooperation, we will file a small claims court action to protect our rights.