23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a concerning robo call stating that I was not responding to call or other attempts of contact and to call ( XXXX ) XXXX immediately. Also stating that they had contacted my employer. I immediately called the number and spoke to Miss XXXX at extension XXXX. She made me aware that it was a debt they were assigned to collect. When she stated the account and amount, I informed her that it had been paid through a previous collector. This was a debt that I was not aware of, thinking that the debt was paid in full years before. Unfortunately we had a fire in 2015 and I had no proof of payment so I set up 2 payments with XXXX XXXX and paid the debt in full. XXXX then sent me a letter stating that. Miss XXXX said she would note my file. I then received several more calls fo the same debt. Each time going over the same info that I gave Miss XXXX. The collector became belligerent. I asked several to remove my name from the call list because this debt was paid in full. At this time, the company started calling my elderly parents home and demanding information however they would not give my parents their info except for a telephone number. I told my parents not to worry that it had been taken care of.They telephoned my parents today, telling them that they were trying to serve a warrant for my arrest. My mom called me all upset. I then called the company and asked them to stop calling my parents and was told by XXXX XXXX at extension XXXX " Pay your debt and we'll leave them alone ''. I became angry and told them to loose both my number and my parents. I was hung up on. I called back again to speak to Miss XXXX and was transferred to XXXX XXXX who was also not very pleasant.She stated that I never paid the bill or it would not still show on their account. She then said I needed to pay them because she did not know who XXXX XXXX was and that they did not pay Household Finance the debt I had owed. I tried to fax a copy of my pay off letter but the fax number keeps stating error, I caled to request a mailing address to mail them a copy and I was told by XXXX XXXX that he des not trust me so would not release the mailing address. Any assistance your office can give is greatly appreciated. I do not want my parents contacted again. I do not have an address or email for this company. When I searched for them online, I could not find anything. I did a reversed number search and everything states that they are a scam, I have attached the letter stating that I am paid in full.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I have no knowledge of the closed accounts and the open account that are stated on my report. These accounts are showing up and are harming me financially. One of them is a car loan account that I have a title to already. If not removed, I will sue. I need these fraudulent accounts removed expeditiously.
Product: Credit reporting

Experian refuses to properly report student loans with XXXX and XXXX as being paid in full, closed, in good standing, with zero balance. These loans have been discharged by the XXXX and XXXX, and I have communicated this information to Experian and provided documentary proof. Yet Experian continues to fail to properly report these loans. I am once again attaching proof.
Product: Credit reporting or other personal consumer reports

Fourth request before filing a federal lawsuit against the CFPB and the CRAs. This has been an ongoing, redundant process that has violated my FCRA rights, and again, I demand the deletion of these unauthorized accounts in my name immediately. Upon review of my recent personal credit report, I noticed that UNAUTHORIZED hard credit inquiries DO NOT belong to me. I immediately notified the XXXXredit Reporting Agencies to no avail. In addition, I have a " fraud alert '' placed on all XXXX credit files, and has not served anything in protection. The CRAs continued to sell my personal information to third parties offering me credit, loans, and ironically, credit monitoring services. It should be noted that the CRAs are completely unmoved by CFPB filings and have demonstrated no sense of urgency in complying with the complaints filed by consumers. I have filed complaints with the Federal Trade Commission ( FTC ) and to this day after almost 1 year-to-date, have not been able to obligate the CRAs to remove these UNAUTHORIZED credit inquiries through the CFPB process, XXXX which is lame and ineffective by legal standards. CFPB has taken a Secretarialized position in properly enforcing the Federal statutes although it is now evident that the CRAS has present Class-Action lawsuits pending in Federal Court XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/year> XXXX OF XXXX Inquired on XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year> GXXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Inquired XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Three consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX. XXXX XXXX. Unknown ( I have not knowledge of these accts I have request Validation over 60 days I have not received anything from the companies. 
Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX number XXXX Paid, Closed. {$690.00} written off. ( XXXX ) Account name : XXXX-Account number 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 an 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.
Product: Checking or savings account

I had a HSA with an employer, when I left UMB bank started charging monthly maintenance fees that are slowly draining away my savings. They are already using my capital, and charging unethical maintenance fees for doing nothing on top of it? It is a practice that should be stoped by regulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are invovled in an ongoing litigation process and should be deleted per the Fcra, and fcdpa guidelines.
Product: Payday loan, title loan, or personal loan

I applied for loan was told one thing it turned out to be another I was told it would be taken out once monthly instead they called me and told me that it would be deducted twice a month and the markup was 200 percent. I told them that that was predatory lending. and that I would be contacting the proper authorties
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XX/XX/XXXX {$250.00} Personal Information Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$5800.00} XXXX  XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX  XXXX XXXX XX/XX/XXXX {$690.00} XXXX  XXXX XXXX XX/XX/XXXX {$6700.00} XXXX  XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX  XXXX XX/XX/XXXX {$2400.00} Late Payment XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4700.00} Inquiries XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

XXXX XXXX XXXX ( XXXX hours ago ) to me electronic deposit ACH is what you have selected, from accounting : we paid him out on XX/XX/XXXX, he should have had that in his account by XX/XX/XXXX at the latest. I'm showing he received a payment of {$230.00} for XXXX - XXXX. This money was transferred without my consent : Amount Balance XX/XX/XXXX Transfer To Credit Card XXXX Transfers Transaction Amount- {$210.00} Running Balance {$0.00} Select transaction XX/XX/XXXX Recurring To XXXX Credit Card XXXX XXXX XXXX {$20.00} Running Balance {$210.00} Select transaction Deposit XXXX XXXX XXXX XXXX XXXX Transaction Amount {$230.00} Running Balance {$230.00} I have hired a debt collection company to help me get out of debt and XXXX XXXX has refused to negotiate with them. I want all my money back. This is the XXXX time this has happened with a deposit to the checking account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an update to my credit report concerning a payment reported by XXXX XXXX XXXX XXXX for XXXX XXXX This payment has been inaccurately listed as " late, '' when it should have been reported as " current. '' I believe this incorrect entry violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, which requires that credit reporting agencies ensure the information they report is accurate, complete, and up-to-date. 

Upon reviewing my credit report, I found that XXXX XXXX XXXX XXXX payment for XXXX XXXX was marked as " late, '' despite being paid on time and in full. Under 15 U.S.C. 1681e, it is the responsibility of credit reporting agencies to ensure that all reported information is accurate. The incorrect reporting of this payment as late is causing undue harm to my credit profile and negatively impacting my ability to obtain financing, including an auto loan and mortgage. 

I respectfully request that you investigate this matter and update the payment status from " late '' to " current '' as it should have been reported. 

Please provide me with written confirmation of the results of your investigation, along with an updated copy of my credit report reflecting the correction. 

If you need any additional information or documentation to process this request, I can be reached at the contact details above. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX Date of Birth : XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XX/XX/XXXX I requested proof from Chase that I was ever late and why they are reflecting this account as charge off which is not accurate. ( see attach letter. ) I never received any documentation from showing either a signed appliction or a complete pay history., cies but they continue to report to my credit report which is a violation of the Fair Credit Reporting Act. I have written to them three times subsequent to my first letter and they continue to ignore my requests to prove up the information reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this account with XXXX XXXX XXXX XXXX back in late XXXX that appeared to have been opened without my knowledge or consent. I am deeply concerned about the fraudulently activity associated with it. I have also contacted the major credit bureaus about placing a fraud alert on my credit file and I will be freezing my credit to prevent any further unauthorized accounts from being opened in my name. I would like to emphasize that I have never applied for or authorized the opening of this credit card account with this company. It is clear that this account was established as a result of identity theft, and I am eager to resolve this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA the following creditors have violated my rights. Under 15 USC 1681 sec 602 states. i have the right to privacy. 15 USC 168 sec 604a sec 2 it also states that a consumer reporting agency can not furnish information about my account without my written instructions. Additionally any amount being disputed on credit report must come off credit report 15 USC 1681 a.1.a. 

The following creditors have violated these laws, and are currently reporting these accounts incorrectly. There are also several details on my report that are in dispute, which should not exist on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition to the above, the following creditors are reporting balances due on my credit report while being actively in dispute. These is illegal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX I have filed several dispute letter with them, and they have not replied. I have notified them that they are subject to the doctrine of estoppel by silence, and only then did they reply. 

Not one of these creditors have provided adequate proof of the debt, yet continue to report them.
Product: Credit card or prepaid card

I have a Best Buy Rewards Visa card issued by Citi. This card has a very high interest rate XXXX APR, and the rewards certificate issued by Best Buy for using their card, expires after a certain period of time, and can only be used at Best Buy. 

The reason for my complaint is the fact that they purposely allowed me use {$610.00} over my credit limit without my consent, and then they billed me a very high minimum payment amount, plus interest. 
In XXXX my minimum payment was {$970.00}. When I called Customer service to inquire why my minimum payment was that high, she told me that I went over my credit limit. I said to her that card are supposed to decline when a customer goes of credit limit. She answered that " we allow you to go over your credit limit because we don't want to embarrass you by declining the charge ''. I could not pay the {$970.00}, I paid {$500.00}, which satisfied my minimum payment minus over the credit limit. 

In XXXX my minimum payment again was {$740.00}, to which I paid a total of {$530.00}, of which they charged {$250.00} on interest. I spoke to customer service again to complain, and nothing was done. The over the limit was reported to the credit bureau which has affected by credit score. 

Credit card companies should not allow one to exceed their credit limit without one 's consent, there should be an option for XXXX to opt in or out. The Best Buy credit card is a complete rip off.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Hard Inquiries and Inaccurate XXXX Account Information Dear Experian Dispute Department, I am writing to formally dispute certain information on my credit report. Specifically, I have identified unauthorized hard inquiries and an inaccurately reported XXXX account. 

Unauthorized Hard Inquiries : I have noticed the following hard inquiries on my credit report that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), hard inquiries require explicit consumer consent. Since I did not authorize these inquiries, I request their immediate removal from my credit report. 

Inaccurate XXXX Account Information : The XXXX account listed below is inaccurately reported as a charge-off : Account Name : XXXX XXXX  Account Number : XXXX Issue : Reported as a charge-off According to the Consumer Financial Protection Bureaus lawsuit against Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit reporting agencies must ensure the accuracy of all entries. Please update this account status to reflect its correct standing or remove it if verification can not be made.

Enclosures : Copy of my driver 's license Copy of my Passport Proof of address I request an updated credit report reflecting these corrections. If additional information is required, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, account was opened with Citi bank relationship manage XXXX XXXX. Everything was smooth and working fine. On XX/XX/XXXX, Citi bank started to charge bank fee {$24.00} per month without my consent nor my authorization. Each month, bank fee was deducted from my account from the range of {$23.00} to {$24.00} from XX/XX/XXXX to XX/XX/XXXX with a total of XXXX times with total amount of {$390.00}. Starting XX/XX/XXXX, the monthly bank fee jumped to {$170.00}. From XX/XX/XXXX to XX/XX/XXXX, Citi bank deducted bank fee 5 times with total amount of {$860.00} ( in addition of the {$390.00} listed above ). I have tried to contact XXXX XXXX by email to resolve this bank fee issue. She directed me to the branch. I went to the Citi branch located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX talked to XXXX XXXXXXXX XXXX. He directed me to contact my relationship manage ( who is XXXX XXXX ). Citi bank gave me the run around. I have no where to go, so I contact you CFPB. Please help me to resolve this issue. The bottom line is the bank fee has been deducted from my account without my consent nor authorization.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. My employer has sent a direct deposit to my account in the amount of {$1000.00} on XX/XX/scrub>/2025. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I am getting continued calls at my place of employment from CashCall. I have asked them repeatedly to stop calling, XXXX XXXX and XXXX XXXX are two of the dates I can recall. When I asked them to stop this XXXX person said she would once my debt was repaid.
Product: Debt collection

Requested debt validation via certified letter on XX/XX/year>, i received a letter from XXXX XXXX dated XX/XX/year> stating they are ceasing debt collection due to not being able to validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contrary to XXXX XXXX bank response IN CFPB XXXX regarding XXXX XXXX  and the transferring of XXXX XXXX it appears according to CFPB bank examiner documents that are attached : XXXX  IS REQUIRED TO REMEDY FOR THE FRAUD OF XXXX XXXX and furthermore was required to receive substantive elements of the conversations between XXXX XXXX AND XXXX, XXXX REP at the time of transfer to XXXX. 

SEE ATTACHMENTS PG4 AND 5 OF CFPB DOCUMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$170000.00}, XXXX  XXXX Balance : {$880.00}, XXXX  XXXX XXXX Balance : {$480.00}
Product: Credit reporting

I have made multiple written requests for TransUnion to issue my Credit Freeze security PIN and they fail to respond. I placed a Credit Freeze on my bureau more than a year ago due to fraud activity and I need the freeze removed to apply for a mortgage. I can not remove the freeze without a PIN from TransUnion. 

TransUnion will only issue a PIN if they receive a request by mail. I sent them a request on XX/XX/2017 and again XX/XX/2017 and they still have not responded. I live in the state of Arizona and TransUnion 's guide indicates there is no fee for this service. 

There is no way to even follow up to ensure they have received my request and when I can expect to get the PIN issued.
Product: Debt collection

On XXXX/XXXX/XXXX at roughly XXXX PM I was contacted by XXXX XXXX XXXX and was told to verify who I was by my last four of my Social Security number. I asked for the name of the company that was calling me and was told I could n't get that information until after I had verified the last four. I refused to give that information out and the representative proceeded to state my Social Security number. 

I told him I wanted to speak to his manager. I get his manager, XXXX XXXX, and was repeatedly talked over and yelled at all the while trying to get their address. He refused to give it to me. I did verify that the company 's phone number was XXXX XXXX XXXX XXXX. I then asked to speak to his manager. 

I was transferred to a colleague of his, XXXX XXXX, and I asked for their address. XXXX XXXX repeatedly talked over me and would n't answer the question unless I verified my last four of my Social Security. He kept refusing to answer the question and hung up on me when I asked to speak to his manager.