23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, account number XXXX Account name XXXX  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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile on XX/XX/2023| identified a discrepancy with account listed under XXXX XXXX XXXX XXXXXXXX total visa and a letter was sent on XX/XX/2023 requesting 3 items.I have not received any correspondence from this creditor to validate this account. I've also included a cease and desist in the letter but there have been no updates and the account is still reflecting on my report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me.I do not believe the account belongs to me.
Product: Credit card

On XX/XX/XXXX, I purchased a dress from XXXX and XXXX online using my Barclay 's XXXX XXXX. The cost was {$420.00}. On XX/XX/XXXX, I recieved the dress. On XX/XX/XXXX I started the return process, as the dress didn't fit. XXXX and XXXX 's system was having trouble generating a return label and that made me nervous. I reached out to Barclay 's regarding my difficulty returning the item and started a dispute/chargeback. After multiple attempts to reach XXXX and XXXX regarding the return, I finally received an email from them stating their system had been dysfunctional. The email included an apology, return label, and instructions on how to return the item. I mailed the item on XX/XX/XXXX. They confirmed receipt and XXXX sent delivery confirmation on XX/XX/XXXX. I was promised {$410.00} would be refunded to my credit card. That did not happen. I had thought when it did, Barclay 's would reverse the charge back. Instead, on XX/XX/XXXX after returning from being out of town, I opened a letter from Barclay 's dated XX/XX/XXXX. It stated that XXXX and XXXX claimed the charge was valid, the return was not allowable and that I had the dress in my possession. XXXX 's stated I had XXXX  days to dispute this. I called immediately, as the XXXX days had already passed before I opened that letter. I spoke to a representative who assured me there was actually XXXX  days and that if I had further documentation, I could submit it for the dispute team to review. I mailed the supporting documents via XXXX As WELL AS faxed them, as per instructions from Barclay 's. I had not heard back from the bank, so I reached out twice more. The first time I was told I would get a response from the dispute team in XXXX hours. That did not happen. The second time, I was again deferred to a manager who returned my call the following day. He stated that my supporting documents were received by Barclay 's on XXXX, XXXX days after the phone call with the Barclay 's representative, but they were not viewed because the number of days to submit them had expired. I attempted to explain the situation multiple times to the manager, but he told me he could not help me, even though he saw the notes from my phone call regarding the conflict on XX/XX/XXXX. He informed me that no one from the banknwould even look at the documents because the number of days was too many. He told me to reach out to XXXX and XXXX, who is unreachable, as I believe they have since gone out of business. I explained again that I have emails stating they recieved the returned item and that I should expect a refund, but he was unable to resolve the issue or allow me to speak to anyone above him. He told me there were no supervisors above him. I have been very proactive in this process, reaching out to resolve the issue both with the merchant and the bank, calling and emailing several times to be sure the issue was resolved. The lack of support from the bank is astounding.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX 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
Product: Debt collection

I am submitting this dispute on behalf of a debt collection I have reporting on my credit. The information being reported appears to be fraudulent due to a potential identity theft.
Product: Credit reporting or other personal consumer reports

Im am writing in regards to the dispute letters ive sent over 30 days ago and ive yet to receive a response to these erroneous accounts, This is a violation and a total disregard for consumer law ( fcra-fdcpa ) and needs to be corrected asap.
Product: Debt collection

Atlantic Recovery Solutions has been contacting me under their alias " ARS '' since at least XX/XX/2020 via calls and texts. They never properly identified themselves or the reason for their call so I did not first make contact with them until XX/XX/2020 at XXXX ( via telephone ). The representative was accusatory and unprofessional. However, I proceeded to request debt validation be sent via mail only and requested not to be contacted by phone again. The agent became upset and stated they " would not stop calling '' and disconnected the line without notice. On XX/XX/2020 I received a text from my mother stating that a company named ARS has been contacting her regarding me. On XXXX my sister reached out to me stating ARS has been contacting her as well. On XX/XX/2020 at XXXX I spoke with a representative at ARS again and requested the full company name, address and debt validation in writing. I was transferred multiple times and when I complained to the " Senior XXXX XXXX '' I was told I signed up for my family members to be contacted. I did not give this company permission to contact my family member 's. They knew how to reach me and were unwilling to put the request in writing as requested. ARS has called and texted me from multiple numbers referencing a " legally required notice, paperwork and a case ''. However, they never identified themselves as a debt collector or gave notice this was an attempt to collect a so-called debt. I have phone records and copies of the text and call log to support this complaint.
Product: Credit reporting or other personal consumer reports

I have been notified that my information has been exposed in over XXXX data breaches. I am requesting via FCRA LAWS! I am filing a FTC report requesting all be removed from my credit report within XXXX  days and from all XXXX credit bureaus. In addition, my identity has been stolen and confirmed by the IRS hence they have started an investigation that is not going to be resolved for XXXX  days according to the IRS rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lendmark financial called me to make a payment. I told them ok ill pay it off now. I was told by the rep who called me she didnt know how to take payment over the phone. I asked her for payoff amount and she gave it to me and someone will call me back. When they called me back i was out of town due to a death in my family. I called them back and let them know I will call them as soon as I am back home to pay. They agreed. When I returned home I called to payoff and received a higher payoff amount and was told it was a new rep who gave me wrong amount. After I paid that is when I realized they reported me paying late after agreeing I would pay when I return. Given that I paid off {$4000.00} at one time after given that payoff amount. I am hit with another {$100.00}! They should be investigated!
Product: Checking or savings account

Around XXXX, XXXX XXXX, I have opened a checking account with HSBC bank an " Advance checking account '' after I have received an offer in my mail from HSBC with a personalized code which i have used that advertised the following : " you will receive {$400.00} bonus after you meet certain requirements .... ". I have used the code and met all requirements and one year later I did not receive nothing. I have sent a previous complaint regarding this issue and the bank responded to me by a letter on XX/XX/XXXX that claims that I was ineligible for the offer because I did not use the personalized code. 
Indeed, that is not true, they are clearly lying because I have used that personalized code and I have proof of doing so. The personalized code is " XXXX '' on my online application! and I have also mailed the code to the bank along with a check of {$10000.00} around XX/XX/XXXX. I also still have a copy of the code which I have attached to this complaint along with the bank 's response letter.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to correct my report. Transunion is not responding in a timely matter or supplies a resolution to my concerns. It has been more than 30days. They are in violation of the FCRA. As a federally protected consumer I am being taken advantage of! I have addressed multiple times to remove items such as alleged collections account that are not mines! I have missed career opportunities because they based things off of transunion credit reports! My report are inaccurate and now Im in need of immediate resolution and immediate compensation. Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought a used car from XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL. They claimed I needed to fill out an application in order for them to get " approval '' from the finance company for the vehicle. The dealer wouldn't tell me who the finance company was nor what terms meaning interest, length etc. I figured it out by looking at the paperwork. I called Capital One Auto Finance to explain the dealer sold me a car I didn't want and that the price they quoted Capital One is not what the vehicle was valued at and that the dealer inflated the price. I tried to return the vehicle to the dealer and cancel the loan but since the dealer ensured that the finance company funded the loan I'm the one who got shafted. I now have a 6 year {$700.00} car payment for a car that at best is worth $ XXXX. This is because of course the dealer added additional fees that I didn't request like GAP insurance, extended warranty and repair, etc. The finance company helps the dealer fraudulently advertise car prices and then XXXX up the price when the finance company approves the vehicle.
Product: Credit card

Please look into the billing practices of American Express credit cards. Like most people, I always pay all my bills at the end of the month. Amex has changed its billing cycle so that payments arriving early in the following month incur a late charge of {$35.00} unrelated to the amount then unpaid. This can amount to an APR of hundreds or thousands of percent. I was a cardholder for almost XXXX years. This problem did n't arise until the last few years. I strongly suspect that Amex deliberately altered its billing cycle to generate fee income from people like me who pay bills at the end of the month. I 've contacted them and asked that my billing cycle be changed, as other companies have done, but they were n't willing to do so. I 've paid off all charges against the card but refuse to pay these unwarranted and predatory late fees. Amex keeps dunning me for the late fees. I finally cancelled my card after a half century but the phone calls and bills keep coming. Undoubtedly there are many like me who regularly pay bills at the end of each month. On behalf of all of us, please look into this predatory practice, which is almost as usurious as payday lending.
Product: Credit card or prepaid card

NORDSTROM/TD BANK USA is reporting on my personal credit file. I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections. 

( NORDSTROM/TD BANK USA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against TransUnion for their refusal to remove inaccurate information from my credit report, despite my numerous attempts to resolve the matter. I have provided sufficient evidence, including a report from the Federal Trade Commission ( FTC ), substantiating that the disputed items are incorrect. However, TransUnion has consistently ignored my rights under the Fair Credit Reporting Act ( FCRA ). As this negligence persists, I am left with no choice but to consider taking legal action to enforce my rights and seek redress for the harm caused by these inaccuracies.
Product: Checking or savings account

My employee stock shares were sold and expected to deposit in my account in XX/XX/XXXX. They never showed, so I assumed there was a delay or they would be distributed the following quarter. I received income tax forms at the beginning of XX/XX/XXXX showing 3 separate distributions from my employer stock paid out and I only received 1 of those 3 deposits. I called Chime and have gotten no where with them. They refused to get involved. Ive called the Department of Labor and they were able to research and confirm one of the missing deposits showed posted under the the account number that I provided my employer to send the deposit. We have the date and time of the transaction for the amount of {$55000.00} with the word posted on the transaction. I went back and checked and I received no notification the amount was ever deposit in my account period. I believe it was put into the wrong account or flagged as an exception and never rectified. Ive also called my employee benefits advisor and they confirmed when the shares were sold and when the deposit was sent to my back. Im responsible for paying taxes on a huge amount of money that I never received. I was also provided with a transaction trace number from my advisor but Chime refuses to research this at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that Credit Bureau has reporting inaccurate and incomplete credit information. I am distressed that they have included the information below in my credit profile and that you they failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The following information is outdated. Balance is wrong. Date of opening is wrong. I would like it removed from my credit history report XXXX Account Number : XXXX I was never late on this account. Please ensure that all information is accurate
Product: Debt collection

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Floowood XXXX XXXX Sirs or Madam, I sent a debt validation letter x2 on the following dates XX/XX/2021, and XX/XX/2021 each time this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information. Please cease all collections activities immediately.
Product: Debt collection

this showed up on XXXX XXXX and I want it removed-this has nothing to do with me Amsher Collection Se Opened XX/XX/2020 {$53.00} Original creditor : XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 
Balance {$53.00} Highest Balance {$53.00} Opened XX/XX/2020 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original Creditor Name XXXX XXXX XXXX See an error? 
You could dispute an error with XXXX. 

GO TO XXXX Creditor Information AMSHER COLLECTION SE XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

Two fraudulent transactions in the amounts of XXXX and XXXX on XX/XX/31 from XXXX were reported as such, fraud, to American Express on or around same date of XX/XX/31. To date, both transactions remain unresolved, no credit issued. I have not been provided any information showing I authorized either transaction, I have not received anything from the person, XXXX. XXXX requests the full card number in order to investigate the charges, I only have last four ending in XXXX. American Express needs to either credit back the transactions or provide full card number, which was replaced since with a new card number. I need full card number in order for XXXX to investigate on their end, they can not do anything with only last four of card number. Failing to provide full card number, they need to simply credit back both charges as they are fraud.
Product: Mortgage

I applied for a mortgage refinance and Loan Depot pulled my credit three times : On XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. This has resulted in a major drop in my credit score. What can be done about this? I purchased a car and they pulled my credit two times! Unbelievable what impact this had and will cost me in additional interest now that I am trying to purchase another home!
Product: Debt collection

subject : Complaint Regarding Unfair Debt Collection Practices by Caine & Weiner ( Account Ending in XXXX ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Caine & Weiner, a third-party debt collection agency, for unfair debt collection practices and harassment related to an account ending in XXXX for the amount of {$390.00}. 



I have never had any affiliation, association, or prior dealings with this company, and I firmly dispute the validity of this account. Despite this, Caine & Weiner has continued to harass me with phone calls and has failed to remove this fraudulent account from my credit reports despite multiple requests. Their actions have negatively impacted my credit scores across all three major credit bureaus and violated my rights under federal law. 



Specifically, my complaints are as follows : 1. Unlawful Harassment : Caine & Weiner has repeatedly contacted me regarding this debt, even after I disputed the account and requested that they cease communication. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment and abusive practices. 

2. Failure to Investigate and Remove Erroneous Information : I have submitted multiple requests for Caine & Weiner to validate the alleged debt and remove this account from my credit reports. To date, they have ignored my requests, leaving a negative mark on my credit history. 

3. Reporting of Inaccurate Information : The account in question is invalid, yet Caine & Weiner continues to report this debt to the credit bureaus, causing undue harm to my financial reputation. 



I request the CFPBs assistance in holding Caine & Weiner accountable for their unfair debt collection practices. Specifically, I ask that they : 1. Immediately cease all collection activities related to this account. 

2. Provide validation of the debt in compliance with federal law or, if they can not validate the debt, remove the account from my credit reports. 

3. Correct any inaccuracies on my credit reports and notify all three credit bureaus ( XXXX, XXXX, and XXXX ) of the error. 



I have taken all reasonable steps to resolve this matter directly with Caine & Weiner, but they have been uncooperative. Their actions are in clear violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I believe regulatory intervention is necessary to resolve this issue. 



Thank you for your prompt attention to this matter. Please do not hesitate to contact me for further information or supporting documentation.
Product: Mortgage

PHH Mortgage has deceptive practices that prevent customers from paying their bills in advance. Here are the facts : I recently refinanced my mortgage, in which my loan was sold from XXXX Loans to PHH Mortgage ( hXXXX XXXX XXXX ) in XXXX. As I am vigilant about paying my bills, and often pay my mortgage in advance, I was concerned when after making my first payment with PHH through their mobile app, I was no longer able to pay my mortgage in advance through the app, as I received an error message stating " You are not eligible to make a payment at this time '' and prompting me to call XXXX. I immediately called the company and they informed me that the error would go away as it was only there because I just made a payment and it was still processing. A few weeks went by and the error message did not go away and it did not allow me to pay my mortgage in advance, which is a major red flag as I never had this issue ( preventing me from paying the mortgage ) with any other mortgage company that I have had ( XXXX  XXXX XXXX and XXXX Loans ). I called them back again and this time the rep told me that I could not make electronic payments in the app until I signed an amendment, which he would mail to me, a detail that was not provided to me when I initially called a few weeks earlier when I first saw the error message. I also asked for the amendment to be emailed so I could get an electronic copy of the amendment, which he said he would do. Fast forward a week later, no email, no amendment in the mail and I am now getting closer to the due date for the mortgage. I called PHH again on XXXX. XXXX, and this time, after stating that I never received the amendment, the rep said to give it more time for it to arrive in the mail. I then noted that I got other promotional emails from PHH but none that included the digital copy of the amendment they would be mailing. When I asked for them to email me a copy of what they allegedly mailed to me, they told me they did not have a copy in their system. Another red flag as I would imagine all customer communications need to be documented especially for an amendment which they make appear to be a standard requirement for all customers to sign. As of XXXX there is still no resolution, which is why I am filing a formal complaint as I am concerned PHH Mortgage is executing deceptive practices with its customers in order to prevent them from paying their mortgage in advance and currently putting me at risk for not paying my bills on time. I also just discovered that as of XX/XX/2021, this company has a class action lawsuit against them in connection with unauthorized servicing fees, seems like this is another deceptive practice that should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this investigation, notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) RXXXX XXXXl ( XXXX XXXX of XXXX ) XXXX ( XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )