23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been receiving calls from Quantum collections for over seven years now and I have told them they have the wrong number. They have never mailed anything regarding a debt and there is nothing on my credit reports from them. 
I have no DEBT AT ALL and therefore they have no reason to call me and obviously have the wrong info. They keep calling on a robo dialer because no one answers when I pick up. They call from various extensions. This is harassment at this point.
Product: Credit reporting or other personal consumer reports

I was surprised and concerned, as I have consistently made timely payments on this account. initially contacted US BANK ACCOUNT NUMBER ( XXXX ) on XXXX XXXX XXXX XXXX via phone call and email I explained that the late payment entry appeared to be an error and requested its removal. 
The erroneous late payment entry has negatively impacted my credit score, which has negative consequences, higher interest rates, loan denial etc...

This situation has also caused significant personal XXXX  and XXXX  to me due to its potential long-term financial implications. 

I do not recall receiving such notice regarding the late payment reported on my account, as required by this statute. The absence of this notification is concerning and raises questions about the compliance of your ( their ) reporting practices with federal law. In light of these legal requirements, I am requesting, Proof of compliance with the notification requirement under 15 U.S.C. 1681s-2 ( a ) ( 7 ), specifically evidence that your institution provided me with the required written notice regarding the negative information furnished to the credit bureau ( s ).

A thorough verification of the late payment entry. If this late payment can not be verified, or if it was reported without complying with the notification requirements, I request its immediate removal from my credit report.

My request is based on specific provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), namely 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ), 15 U.S.C. 1637b, and 15 U.S.C. 1681s-2 ( a ) ( 7 ).

Under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), as a financial institution regularly furnishing information to consumer reporting agencies, you are required to provide written notice to the customer before or within 30 days of furnishing any negative information. This notice is critical for ensuring that consumers are aware of and can respond to reported negative credit events.
Product: Debt collection

See below the original complaint, I asked to cancel this card and settle back in XXXXXXXX XXXX XXXX, First the correct amount needed to be adjusted, They been hitting me with account fees, late fees and all kinds of tactics, except the one that is correct. This bill and card should have been canceled, it never was and I am still harassed. I am unable to settle this situation with this company as they are obviously out to harm me and my account. 

( They said they were honoring a credit THEY NEVER DID We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I was informed in XXXX that my annual fee was going from XXXX to XXXX. That I had the option to call and disagree with this tactic on this, at the time excellent payment history card. The person, would not opt me out of the annual fee and refused to cancel the card, that was in XXXX, since then, I have responded to the calls, and asked them to cancel the card, stop interest and please offer me a settlement plan so we can end this predatory relationship, and again, in XXXX, the calls started, to be excessive, I answered all calls, and they would harass me to verify who I am, by giving up personal data and information, they already have, I mean they called me. The calls were constant, and then on XX/XX/XXXX. I again, pleaded that they would end this relationship, bill me a payment plan, cancel card and stop interest and to stop calling, seize and desist. They then called more, many times in a day, spoofing numbers, not speaking when I said " Hello '' hanging up on me and violating the law of calling after asking to stop. The stress and hardship, from already being declared XXXX and not being able to afford the increase by XXXX a month, I was not late not once, before they refused to cancel card due to a forced increase of XXXX a year. When I tried everything to work with them, it only got worse, and they then abused the phone lines and broke laws that are in place to prevent harassment, intentional harm after offering a workable situation, this company is fraudulent and predatory. I have had over 30 calls, Since XX/XX/year> with many different numbers, after asking them to please stop calling to stop and desist. Harassment starting at XXXX XXXX XXXX XXXX, actually 3 minutes before allotted time, so there is another violation, when you call back they say that they use a auxiallary number, actually its fraudulent. 

Attachments Illegal calls after asking to stop 2024 XXXX XXXX ( XXXX XXXX ) XX/XX/year> XXXX ( XXXXXXXX XXXX  ) View full complaint Sent to company Status Sent to company on XX/XX/year>
Product: Debt collection

My wife passed away XX/XX/2022. She was the authorized owner of a Barclays credit card, which I was an authorized user. I notified Barclays that she had passed away, and they immediately closed the account, and with that move they also kept over XXXX travel miles. In a subsequent conversation with Barclays, they told me that I was not responsible for the debt. I challenged the debt showing up on my credit report and they removed it. 

Last week I discovered that they had been making ACH withdrawals from MY Account and have withdrawn at least {$9000.00} since they closed the account. I stopped payment in XXXX and immediately call Barclays. They said they could not talk to me ( I assume because I am not the responsible party ) and that they would notify me by sending a letter to my deceased wife with in XXXXhrs. 

Today I received a letter from XXXX notifying me that they had suspended my account and would not process any other ACH withdrawals. So I am left with setting up new automatic payments to the numerous legitimate vendors.
Product: Credit reporting or other personal consumer reports

I have been alerted and it has been confirmed that my consumer report has been affected by the XXXX data breach and because of that accounts have been created against my will. I am submitting document for the expungement of the information disclosed below. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Florida XXXX. I am making this request pursuant to the FCRA guidelines ( 605b 15 usc 1681c 2 ) that you have 4 days to block the listed fraudulent items from my report upon receipt of this submission. This fraudulent activity consists of credit card account XXXX  acct number XXXX opened XX/XX/XXXX reporting twice, fraudulent credit card account XXXX acct number XXXX opened XX/XX/XXXX, fraudulent credit card account XXXX acct number XXXX opened XX/XX/XXXX, fraudulent credit card account XXXXXXXX XXXX acct number XXXX opened XX/XX/XXXX, fraudulent credit card account XXXX XXXX acct number XXXX opened XX/XX/XXXX, fraudulent auto loan account XXXX XXXX acct number XXXX opened XX/XX/XXXX, These accounts have resulted in the damage of my FICO credibility to obtain credit. This IS NOT a request for verification. I request for the immediate block and expungement under guidelines ( 605b 15 usc 1681c 2 ) upon this notification and that receipt of this demand be sent to my personal email XXXX Due to the constant malicious breach of my personal identity, i will be using the government agencies CFPB and the FTC affidavits attached as verification of identity because a copy of my drivers license was part of the data breach. I do not wish to have comments and or fraud alerts added to my account as they discourage creditors from extending credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  have overused their power of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other without my consent is unfair according to Congress Law. I have attached letters that I've previously sent via mail. These credit bureaus are not operating with the boundaries of FCRA and FDCPA.
Product: Checking or savings account

I realized unauthorized debit charges on my company account. I notified the bank ( Truist ) the next day. Truist shut the card down immediately. Three out of fifteen fraudulent charges went through and was paid by the bank. Two were reversed but the larger charge for {$1800.00} was not. The bank refused to reverse this charge. I also filed a local police report and a FBI report. The police department has identified the person who made the fraudulent changes and an arrest warrant have been issued. But the bank still refuses to refund our money to our account. Under federal law, I reported these transaction within 2 business days to the bank and should be protected.
Product: Mortgage

Carrington Mortgage has been nothing but a headache since my loan was transferred to them. I always make my payments within a 30 day time frame of when it 's due and some payments will post to my account the same day and other payments will post 11 days after the payment was made. This has caused a huge conflict with the way they are reporting the account on my credit report. All XXXX bureaus are showing totally different payment history. Each time I make a payment I draw a house on my calendar so that I can keep up with when the payments were made etc. I get confirmation numbers but the confirmation numbers never match what they have and they argue and refuse to fix the problem. The following months they have marked me late on my credit file and that is not the case. XXXX 2015, XXXX 2015, XXXX 2015, XXXX 2015, XXXX 2015 and never was I 30 days late for any of these payments. I will attach my calendar to show you the dates the payments were made compared to when they posted them as well as a chart I typed up showing the differences in how long it 's taking them to post my payments. This is rediculus and I 've had enough of it. I do n't understand how these mortgage companies continue to get sued but continue to XXXX the laws and get away with it. The mortgage payment is due on the XXXX of each month. XXXX was paid on the XXXX and only took them 1 day to post the payment, XXXX was paid on the XXXX which was a monday but it took them 3 days to post to my account, XXXX was paid on the XXXX and they posted it to my account the same day, XXXX was paid on the XXXX and it took them 11 days to post to my account, XXXX was paid on the XXXX and it took them 3 days to post the payment to my account, XXXX was paid on the XXXX and it took them 6 days to post the payment to my account and XXXX was paid on the XXXX and it took them 11 days to post to my account. Never have I paid 30 days late and there is a huge window as to when they wan to post payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with or written Transunion XXXX about the same debt. I am not disputing this debt, just the way it was reported! The original creditor was Smart sales and lease, they stated the XXXX date of delinquency was XX/XX/2019. This impacted my credit negatively by about 40 points. Then they sell the debt to XXXX Collections, i did not receive any type of communication for this but the collection account was added to my report as of XXXXXXXX- and 40 or more-points were deducted again from my report! I have been disputing the way this was reported and they keep denying the dispute stating that the debt is valid, I know that i am not disputing that. My initial dispute I stated that the debt was reaged due to it being the same debt, but the collection agency added to my report using another date. Transunion stated that the collection agency was in there right to add it to my report as a negative account therefore impacting me twice. I know i owe the debt but i am working on getting my credit together and it will take time, but it seems like these credit bureaus are not helping. They take 30 or more points from you when you fall behind but once you get back on track, they want to add 5 or 6 points a month to your report and thats not fair!!!
Product: Student loan

As of XX/XX/2017, I am paying 44 % of my post-tax income to servicing my student loan debt. This figure balloons to 90 % after calculating my living expenses. My private student loan payments are {$1000.00} per month. I am an XXXX, making a decent salary, but this burden is unsustainable. I am often unable to afford basic living expenses, such as a haircut or money for laundry, because of these monthly payments. My loan holders, XXXX and XXXX XXXX, have not offered any options that are feasible ( even offering a $ XXXX monthly  reduction for six months and then increasing the payment for the following 6 months by {$70.00} ). My only option is to refinance, but I find myself in a catch-22 : I need to lower my student loan payments to reduce my credit card debt ( which I incurred as a result of having to use the cards to pay for groceries, public transit charges, and other basic necessities due to the high student loan payments ) in order to pay off the debt so that I can increase my credit score to qualify for a refi, so that I can-you guessed it-reduce my student loan payments. My cosigner is my now-XXXX year old grandmother who lives on a fixed income. I am at the end of my rope, and have nothing but a bleak outlook for the foreseeable future unless I can find some sustainable relief on these loans.
Product: Checking or savings account

On XX/XX/XXXX, someone managed to get a hold of my old debit card information and they stole {$180.00} from my checkings account I tried settling it with my bank ( Suncoast Credit Union ), but they didn't do anything to help. 
I sent it a dispute about the unauthorized charge and after about a week I got no response so I went to a physical location to ask about it. 
The employee said that because it was a physical chip that got used, they didn't believe my dispute since in the dispute I said that I had my card on me. 
The banking app said the charge was used at a XXXX XXXX in XXXX IL, and I live in Florida, furthermore, I bought food from a local restaurant the day before the fraudulent charge. 
How would it be possible to go from Florida to Chicago then back in 1 day, all for just {$180.00}.
Product: Debt collection

I received an account statement after I gave the company a cease and desist. I called to verify that I was indeed on a cease and desist list and verify that I was not to receive any more communication. At first they could not find my account in their system, and then they put me on hold. Then I was given the phone number ( XXXX ) XXXX XXXX and told that they were the only people that could help me with my account. I insisted that I just want to be put on a cease and desist list, and that I have no desire to speak with anyone. I was told that is not possible and I must call the number. So then I asked who was on the other end of the number. The support person did not know and could not give me any information on who she was requiring me to contact to take a cease and desist order. I asked if the conversation was being recorded, explained the serious nature of the request and asked If I could have a transcript of the call. She refused and insisted that I call the number. So I called the number. I was greeted by an automated system that told me I needed to answer questions to determine if I am eligible for something - an advertisement. totally inappropriate... Then it asked me if there is someone over XXXX XXXX XXXX in my household, press 1 for yes. I did not press anything. It asked it a second time. When I didn't respond it asked my my name and the reason for calling. Note : I still have no idea who I am speaking to .... Then before I could respond, it terminated the call. I am the victim of a crime. I am receiving anonymous threats. I am a party to multiple bankruptcies and fraud cases. This is harassment and it is totally inappropriate and it is reckless and dangerous.
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint regarding the persistent and unresolved issues with late open account that continue to appear on my credit report. Despite multiple diligent attempts to rectify these inaccuracies, they persistently impact my credit history and financial standing. 

To provide context, I first identified the presence of late open accounts on my credit report. Since then, I have conscientiously followed the prescribed procedures for disputing and rectifying these inaccuracies, including the submission of supporting documentation and evidence of the inaccuracies. 

Here is a summary of the actions I have taken in my endeavor to address this issue : I promptly contacted your agency and filed a dispute regarding the late open accounts. I submitted all necessary documentation to substantiate my claims, which included proof of timely payments and communication with the creditors in question. 

After not receiving any resolution or updates on my dispute, I initiated follow-up inquiries, during which I was informed that the investigation was still ongoing. 

Subsequently, I submitted additional disputes, reiterating my concerns and supplying any supplementary evidence that was requested. 

I have persistently attempted to communicate with your agency 's customer service department via phone and email to inquire about the status of my dispute, yet I have not received a satisfactory response. 

Despite my repeated efforts to rectify this situation, the late open account persist on my credit report, inaccurately reflecting my credit history and detrimentally affecting my financial opportunities. 

I understand the importance of accurate credit reporting, and I firmly believe that your agency has a responsibility to ensure the correctness and integrity of the information within my credit file. Therefore, I respectfully request the following : A thorough and expedited reevaluation of the late open account on my credit report. 

Immediate correction of the inaccuracies by removing the late open account from my credit report.

A detailed written response that outlines the results of the investigation and the steps taken to rectify my credit report.

Assurance that measures will be put in place to prevent future occurrences of such inaccuracies. 

I anticipate a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. Should my concerns not be adequately addressed, I may need to pursue legal remedies to rectify this matter. I am asking for your immediate assistance to correct this account : XXXX XXXX XXXX XXXXXXXX Balance : {$7300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016, I filed an XXXX XXXX bankruptcy # XXXX, # XXXX, with US Bankruptcy court XXXX XXXX XXXX, Texas. I was represented by a Law Firm. I contacted my attorney and requested my attorney to stop or dismiss XX/XX/2016. I was never informed that this XXXX XXXX bankruptcy would be placed negatively on my credit report. I was never informed or counseled by my attorney that this XXXX XXXX bankruptcy would be placed negatively on my credit report.
Product: Credit reporting or other personal consumer reports

I did not authorize this. 

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: Payday loan, title loan, or personal loan

I began getting payment reminders for a loan for which I never applied, on XX/XX/XXXX. According to Leap Credit I have a loan with them dated XX/XX/XXXX, for {$600.00} at an interest rate of XXXX percent, with total finance charges of {$1500.00}, for total payments amounting to {$2100.00}. I suspect this came about around an identity theft we suffered in fall of XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX XXXX  that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

Contacted me on XX/XX/22 about a debt owed to XXXX XXXX XXXX XXXX Stayed the debt owed was {$800.00}. Threatened to hang up the phone in 3 minutes without answering questions about the debt because their phone system hangs up automatically at that time.

I submitted a written dispute as well as disputed the debt through a link that they provided. Received no response other than the fact that they checked with XXXX and verified I owed the debt, however, no information about when the debt was incurred or what it was for was provided. 

Not wanting the debt to be listed on my credit report, I paid the debt anyway. Debt collector has refused to issue a paid in full letter or any kind of receipt despite verifying over the phone that the funds have been received and posted to my account.