23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I obtain credit lines with community bank over a year ago. I have XXXX credit lines with them for Victoria secrets, anne taylor, and XXXX. My XXXX XXXX was XXXX last year right before the new year. There was no life insurance nor do I receive social security. I missed a lot of work during that time in addition to having had XXXX and my son younger son becoming ill and having to have his adenoids removed. I fell delinquent. I tried to make arrangements but what I could pay they were not willing to accept. I became displaced and had to live with a family member for a while. I reached out to them to place me on a hardship program which they could not without taking a down payment. I told them the money they were trying to collect I did not have but if they could make more reasonable arrangements I could work with them. Each time I spoke with a manager she /he promised to call me back with a resolution but they never did. I continued to call still with no resolution. Finally I called and was threatened with having my wages garnished. I advised the rep that she could not do that without first filing a law suit. I reported the incident to a manager who again apologized but no action was taken, this same manager indicated she would call me back but never did. I have since received calls from them sometimes over 20 times a day back to back. I have asked them to stop calling me if they are not willing to work with me and harassing me and the calls still have not stopped. They have been in multiple violations of the fair debt credit collection act but simply do not care. I am not nor was I ever trying to get out of the debt but I wanted to come to a sensible resolution. At this point the calls have become harassing. Once I brought it to their attention they started alternating between the types of calls ie private and then sometimes from different numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote each credit bureau to dispute negative items to date they are in violation due to them not responding within the 30 days time frame. I explain in my letter that I will pursuit legal matters
Product: Payday loan, title loan, or personal loan

Account # XXXX I ordered a set of cookware. Received in good condition and made a payment of XXXX. Keep getting calls of non-payment. I sent them proof of receipt of payment through them and transaction ID. I even sent them a screen shot of my account on XXXX XXXX web site. They still continue to say they did not receive a payment. They want me to send a bank statement which I will do but need at least a month which they will not give me. I use a XXXX XXXX debit card issued through social security. XXXX XXXX showed the payment. I will not send my social security debit information due to security concerns. I told them to close my account after I pay the balance of what is owed according to me and proof of payment which I sent them! 

Thank You For Your Payment Print or save this page for future reference Transaction Number : XXXX Payment Amount : {$72.00} Today 's Payment Date : XX/XX/2020 XXXX XXXX Account # XXXX Change Account Plan O Credit Status as of XX/XX/2020 Available Limit {$0.00} Balance {$0.00} Credit Limit {$0.00} Did you know? 
You can earn credit limit increases with timely payments! 
Terms and Conditions Many others have reported similar issues with this company resulting in false credit reporting of the customer. I am in the process of trying to repair my credit and this would be very unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that I owe {$29.00} to XXXX bank. This showed up in XXXX. I have no idea what it is. I can not get a copy of a bill or get any information from the company regarding the amount. most credit card companies send a bill I have no bill. I don't know what this is in the meantime it's gone from $ XXXX {$59.00} to I believe today I saw it's {$100.00}, I don't know how interest goes up that fast but anyway, I pay much larger credit card bills monthly but for some reason nobody can tell me what this is. I disputed this with Experian and they say it's legitimate and the only way to reach the commodity for this problem is via letter - a XXXX XXXX XXXX in this day of age I find that very strange. I don't have any idea what this is I don't see why it's so hard for somebody to talk to me on the phone. I called Experian 's number and it's automated you can't talk to a live person. I want get this resolved it's not helping my credit report and obviously if I owe {$29.00} I would pay it it's ridiculous and frustrating. I filed another dispute stating I did not know what the amount is for. I guess the creditors get all that or the alleged creditors get all the support. I really feel this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint regarding these items that have been violating my consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, 164. A consumer reporting agency can not furnish account without my written permission under 15 USC 1681 section 604 A Section 2.

The list of accounts below has violated these rights. 
XXXX XXXX ( Only reported to Transunion XXXX, XXXX XXXX  XXXX XXXX ( Only reported to Transunion & XXXX ), XXXX XXXX XXXXXXXX ( Only reported to Transunion & XXXX XXXX, XXXX XXXX XXXX, ( Only reported to Transunion & XXXX ) XXXX XXXX XXXX ( Only reported to Transunion & XXXX ), XXXX RE XXXX, XXXX XXXX, XXXX XXXX ( Only reported to Transunion & XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Only reported to Transunion & XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been scheduled for litigation and court proceedings for the federal violations against me. Please see attached. Last chance before court
Product: Debt collection

On Monday  XXXX    XXXX   I received a call from  Resource Management telephone  number  XXXX , the representative asked for a  XXXX   XXXX   XXXX   I  advised her I was not   XXXX    and to stop calling my number. On  XXXX   XXXX ,   XXXX   I received yet another call from the same number mentioned above from, the agent whom called asked for  XXXX   XXXX  I told her the same information, " I am not  XXXX  and stop calling my phone '', she then said verbatim " I am NOT removing your number and we will keep calling you '', I told her that I would contact the police because at this point I felt like I am being harassed, she then said " you are so ignorant, they wont do anything ''. I asked for her name she hung up. I called back and was told the person I was speaking to was  XXXX   XXXX  and her  manager  was  XXXX   XXXX , apparently the both were not available. I asked for the number for the corporate office I was given a  XXXX , this number is the same number that they have called from but its toll free. These calls are continuous and this company obviously does n't want to stop calling. I want to know the steps to file a small claims suit for violating the FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXXDate of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXXDate of inquiry XX/XX/2021 XXXXDate of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am disputing the late payments which was during Covid 19 forbearance period please update to never late
Product: Mortgage

I have had a mortgage on my current house and has always been on automatic draft out of my checking account. My mortgage company paid my county TAX bill late ( -- even after several phone calls to them advising them I was receiving late notices ) -This caused my county ( XXXX ) to put a tax lien on my credit report and now I cant get them to correct it. This has hurt my credit rating and I have dropped from an Excellent rating to a Good rating. I have made many documented phone calls and emails to XXXX will not do anything to correct the situation. I have notified the Credit Reporting agency and XXXX XXXX and nothing has been done in over 2 months. Please Help
Product: Credit card

Amazon Store Card by Synchrony recently reduced our credit line from {$4000.00} to {$660.00}, which immediately increased our utilization rate from 15 % to 100 %. This action caused our XXXX XXXX to drop by XXXX points across all repositories. As a result, were now facing a potential cascade of other credit lines being lowered, which would further damage our score. This situation has created a significant financial hardship, as we are currently in the process of purchasing a home. The score drop could make it impossible for us to proceed with the purchase. Additionally, with our credit score lowered, we risk further credit limit reductions from other banks, exacerbating the issue. We urgently need this matter addressed.
Product: Credit reporting or other personal consumer reports

I previously disputed an inaccurate debt on my credit report with Equifax, XXXX, XXXX. The debt, reported by XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX, was verified without sufficient validation. 

Upon requesting documentation, XXXX XXXX XXXX provided two conflicting documents : A summary statement showing a balance of {$2400.00}.

An additional statement with a different balance of {$1400.00} and an incorrect apartment unit number, and a different name.

These inconsistencies raise serious doubts about the debts validity. Despite these issues, the bureaus did not correct or remove the debt from my report, causing significant harm to my credit and affecting my ability to obtain a mortgage.

I am requesting a thorough reinvestigation, requiring legally binding documentation ( e.g., a signed lease or detailed account ledger ) to verify the debts accuracy.
Product: Credit reporting or other personal consumer reports

Experian is modifying my disputes in order for the investigation to fall in their favor! Rather than remove the inaccurate information that wasnt reported in a timely manner. 
The cfpb has been notified of the fraud on several occasions & have not acted & if they did act nothing has changed which makes them criminally & civilly liable as well being they have jurisdiction over these matters. At this point the credit bureaus are the identity thieves! Ive found out how my identity has been compromised, I have records through the cfpb notifying them how Experian is disputing accounts that are in good standing on my credit file that they have no history of me every disputing, therefore destroying my financial reputation etc.Experian has put me through financial hardship & I seek relief
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus asking them to verify debt on my report and according to their investigation account XXXX came back as verified. By law 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. 

If you take a look at my most recent credit report, you can identify the inaccuracies on the report which is a violation of the FCRA and subject to further legal action. In the comment section it's noted the account has been disputed but reporting incorrect information.
Product: Debt collection

I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my student loan ( CAPITAL ONE BANK USA N A, XXXX XXXX XXXX ). The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2023
Product: Student loan

Called on XX/XX/29 to ask for a refund of {$6100.00} in payments made during pandemic pause. Was told 4-6 weeks. Called end of XXXX for an update, no update other that being told is was approved on XXXX and I would likely get the refund in mid to late XXXX. Called end of XXXX and was told refunds were now taking 8-10 weeks. I asked if there was anything I could do to speed up the process and was told no. On XXXX, my aidvantage account updated to show partial reinstatement of the loans, but not the total {$6000.00}. The following week, my student aid account was updated to also show the partial reinstatement. I have not seen any of the refund yet, nor is the current amount shown for the loans accurate. I am now 12 weeks out from my initial request.
Product: Checking or savings account

Ally offered a bonus for depositing money in a savings account. The amount I was eligible for is $ XXXXThe bonus was said to be paid on XX/XX/XXXX, but I never received it. I've asked Ally continuously to look into it. They previously promised to have it resolved by XXXX, and then the end of XXXX, but both of these were not held up. Now Ally says they have no plan to ever resolve it. 

The details of their bonus are described here : https : XXXX Dozens of other people have commented at that web page that they've had this problem too.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, XXXX, Equifax has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States have the right to privacy These addresses do not belong on my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

I opened a new BBVA credit card with zero percent balance transfers allowed. BBVA allowed me to transfer my balance immediately after I was approved. On the first periodic billing statement I received, there was interest charged for my balance transfer In the amount of {$31.00}. I called BBVA customer service to get this corrected. The rep I spoke to explained that I was charged interest because I did it before activating my card. This is unfair and deceptive ( UDAAP ). The rep credited back the fees and told me I only needed to pay {$14.00}, the minimum calculated payment amount. I did this while on the phone with the representative and since this was a one time TEL ACH transaction, I know it was recorded ( confirmation number XXXX ). I received a past due notice stating that my payment was short by the {$31.00}. My current periodic statement shows the credit under Other Credits with a past due amount for that exact figure. I tried calling BBVA today and after 47 minutes on hold I finally got through to a representative and explained my position and how this was damaging to me ( late charges, negative credit reporting ). The rep I spoke to had to place me on hold to see what could be done. I then received an automated message that my call had ended. This is clearly a deceptive act or practice. If I was advised that my zero percent balance transfer could not occur until I activated my card, I would have waited. I was excited to start doing business with BBVA but now I wonder what they are doing. I will continue to attempt to get through to them but I can not be the only consumer being taken advantage of with their unpublished rules and poor customer service.
Product: Credit card or prepaid card

I have made every payment on time. I had a few returned payments due to their own system error which they admitted and refunded me for, but closed my card even though I was current and during covid impacted times due to the return led payments that was their fault
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this report because I have been a victim of identity theft for a very long time. I have literally contacted every creditor regarding this matter because this issue has been taking place for a very long time. My personal information has been compromised from the first month that I arrived to the United States. I arrived to the US at the state of XXXX  at the end of XX/XX/XXXX and ever since I lived in the state of XXXX. At XX/XX/XXXX, identity thieves used my personal information such as social security, name, date of birth and etc. to open multiple accounts with XXXX XXXX. Later, they used my information to open an auto lease using my personal information with BMW FINANCIAL SERVICES. When I contacted BMW FINANCIAL SERVICES to inform them of this fraudulent activity recently they told me there is a balance over {$8000.00} and it needs to be paid by me. I informed them that I never leased or bought a vehicle with BMW because I can not afford a BMW and that is the harsh reality. However, they still insist that the account is mine. I never signed any documents with BMW and I never leased a vehicle with them because I know my financial capabilities and I can not afford a BMW. BMW is refusing to even conduct an investigation. This is an identity theft matter and BMW representatives are taking this as a joke and not even complying with my request to remove this derogatory account from my records. If this is the case of an identity theft or case of mistaken identity it does not matter to me. I request that this vehicle loan is removed from my records because I never leased or bought a BMW. I've been told the vehicle is a XXXX BMW XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Ive sent hardcopies of police report IDs. They just updated the report when it clearly shows fraud activity on my credit report world finance farmers furniture are charge off. remove XXXX XXXX XXXX remove date of birth XX/XX/year>. Its inaccurate. I I was working in XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX call someone was filing unemployment in my name in XXXX while I was working in XXXX XXXX when she returned, they left the.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed a fraudulent account on my credit report. Please remove the account, this account is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my extreme dissatisfaction with reporting credit reporting agency. It has come to my attention that you have included false information, which has had a significant negative impact on my credit score and my ability to access credit to help support for my family .these inaccuracies hindered me from XXXX XXXX XXXX and believing financial stability for m family .it is completely unexpected that Im being stopped and hindered from doing these things because of false information and incorrect inquiries Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX, A company called XXXX XXXX XXXX charged my account as following : {$5.00}, {$100.00}, {$18.00} and {$510.00} for a total of XXXX. I filed a fraud claim with Netspend and they denied my claim.