23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today, XXXX XXXX, XXXX I talked to someone with a company called ARA, Inc. They had made two previous calls to my cell phone but never left messages, so I called the number to see what the calls were about. The person then proceeded to tell me they were calling to settle a debt from XXXX from a XXXX XXXX XXXX account in the amount of {$4000.00}. I told him the account he mentioned did not sound familiar. He mentioned the account was opened in a different state than where I lived in XXXX, then subsequently sold to different collection agencies. I reiterated to him, I didn't even live in that state in XXXX. Not only that, but he repeatedly kept referring to me by my First and Middle names only. He had very detailed information about me and my credit record. He sited my complete social security number ; he referenced current accounts on my credit report, and then stated that I had good credit, ( " re-established credit '' ) and then insinuated that he would do whatever necessary to recover the {$4000.00} and pursue legal action. He then accused me of using different names. I stated that in the 19 years I have lived at my current address, I have never been contacted by anyone regarding a XXXX XXXX  credit card account, and at this point, all this was, was a random call to get money out of me and I requested he send me detailed information about the account / debt.
Product: Checking or savings account

6 accounts were opened under my name by one of your managers in the PA locations. ( XXXX XXXX XXXX  ) Done without my knowledge..district manager involved..district manager took care of issues but I was never credited all the fees I had to pay out of pocket in order to rectify dispute! Promised I would be reimbursed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED PAPERWORK TO EQUIFAX AND XXXX A NUMBER OF OCCASIONS. XXXX  DELETED IT AND THEN PUT IT BACK. THEY KEEP TELLING ME ITS BEEN VERIFIED, WHICH IS IN CORRECT. THE THIRD PARTY VENDOR THAT THEY CLAIM TO HAVE VERIFIED DOES NOT HAVE INFORMATION ON ME BECAUSE I HAVE OPT OUT, THEY CAN NOT VERIFY ANY INFORMATION ON ME. SO IF IT CAN NOT BE VERIFIED THEY HAVE TO DELETE IT.
Product: Credit card

I wrote to XXXXXXXXXXXX XXXX to lodge a complaint and request a refund concerning several leads I have received through XXXX. As a professional utilizing your platform, I expect fair and transparent business practices. However, I have encountered multiple instances where I was charged for leads that did not provide a genuine opportunity to secure work, which raises significant legal and ethical concerns. 
Summary of Issues : 1. Unresponsive Clients : Numerous leads resulted in no further communication from the client after the initial inquiry, despite repeated attempts on my part to engage. Such leads do not provide a viable business opportunity and should not be billed to the service provider.

2. Clients Hiring XXXX Professionals : I have encountered situations where clients informed me that they had already hired another professional not associated with XXXX. Charging for such leads, where there is no possibility of obtaining the job, is unfair and deceptive. 
3. Cancellations : In some cases, clients canceled appointments without any intention to reschedule or proceed with the job. These cancellations occurred before any meaningful interaction or job agreement could be established, rendering the lead effectively worthless.

4. Estimate-Only Inquiries : I have also received leads where the client was solely interested in obtaining an estimate with no genuine intention of hiring. These types of inquiries should not be classified as legitimate leads warranting a charge.

Legal Basis for Complaint : Under California 's Business and Professions Code 17200, unfair competition is defined to include " any unlawful, unfair, or fraudulent business act or practice. '' XXXX 's practice of charging for leads that do not provide a genuine opportunity to secure work may constitute an unfair business practice, as it exploits service providers by charging for services that do not meet reasonable expectations of value.

Furthermore, under California Civil Code 1770 ( a ) ( 5 ), the Consumer Legal Remedies Act ( CLRA ) prohibits " [ r ] epresenting that goods or services have... characteristics, benefits, or quantities which they do not have. '' XXXX representation that each lead is a valuable opportunity when, in fact, many are not, could be considered deceptive under this statute. 

AFTER that I have tried to dispute those charges via BANK OF AMERICA, and I got a denial.
Product: Credit reporting or other personal consumer reports

KIKOFF LENDING LLC This account was due to fraud/Identity theft I contacted this creditor & they have failed to provide any contract, identification or signature. All they stated that they have my social security number. I advised the creditor that I did not open this account & it was open fraudulently. The creditor stated there was nothing could be done. I have filed a dispute twice with XXXX & they have failed to remove the item
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

I previously disputed an account on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from Equifax within the required XXXX business days. 
This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already attempted to contact Equifax regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that XXXX complies with FCRA regulations and corrects this issue immediately.
Product: Student loan

Just seen through XXXX credit report that Edfinancial Loans has it now and I don't know who to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 inquiries on my XXXX report that I dont recognize. These inquiries were not made by me CITIBANK NA, XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020
Product: Mortgage

XX/XX/XXXX, my mother obtained a Pick-a-Payment loan with XXXX XXXX/Wachovia. Shortly thereafter, I believe it was XX/XX/XXXX, a class action suit was brought against XXXX XXXX/Wachovia as such a loan was illegal. As part of the required settlement agreement, mortgage lenders were supposed to work with the homeowners to modify their mortgage loans. My mother has since passed away and left the property to me as listed in her Living Will. Wells Fargo has since taken over the XXXX XXXX/Wachovia mortgage loans. They refuse to modify my loan and or change it into my name.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and equifax are all allowing these companies to affect my credit report without my consent and have never allowed me to opt out, documentation provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion to have this issue solved but they declined to help me. I told them I was a victim of an inquiry issue that they had and they told me I was not a victim but I knew I was because of my credit report. 

XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I am attempting to request XXXX XXXX for the year XXXX and XXXX. Freedom Mortgage outsourced my loan, unbeknownst to me, and claims they do n't have access to my records. I have called their company multiple times on XXXX & XXXX only to get different answers from them each time I call. They have given me the number tot he company which they claim has my information, a company I never signed paperwork with, yet every time I call that company and enter my personal information I get transferred right back to Freedom Mortgage as they 're my mortgage company! I tried calling the other company without entering my information and I am unable to get through to a persona and at one point stayed on hold for over one hour ( I can provide phone records ). 

I spoke with an escalations person at Freedom, XXXX, and she told me Freedom can not get my XXXX XXXX for me that I have to deal with this outsourcer even though I never agreed to allow my account to be transferred. 

The only time Freedom wants to speak with me is when they 're trying to get me to refinance my house, so they only able to help with sales calls, not service calls. 

Additionally, in XXXX they failed to perform a mortgage/escrow analysis for over one year as a direct result of them oursourcing my account to a third party. They claim it was n't their fault because they were n't handling the loan, but I opened the loan with them! 

It appears Freedom opens accounts with customers then sends their business to subpar vendors and washes their hands of any responsibilities to their customers. Yet they will make frequent sales calls to you.
Product: Credit card

This is a billing error I the consumer have become conscious of with CapitolXXXX. I natural living person, I come with clean hands and good faith, UCC 1-304 ) I the consumer have entered into a contract with CapitolXXXX XXXX XXXX XXXX  XXXX # XXXX, billing error balance XXXX dollars, CapitolXXXX  XXXXXXXX XXXX XXXX XXXX # XXXX billing error balance XXXX, and capitalXXXX XXXX XXXX XXXX XXXX, # XXXX billing error amount XXXX, I Unconsciously knowing all bills are prepaid, according to United States government pledged to pay debts 31-USC 3123. We are presently under the banking act of 1933. UCC-9-307 ( H ) There are no Lawful money of substance in our economy, there is nothing to back Federal Reserves Notes 31 USC 5118 ) I have been volunteering paying debts, therefore I would like CapitolXXXX  to leave all accounts open active and in good standing, Therefore I know I can't pay debt with debt. It's unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are old credit card accounts that are over seven years old and need to be DELETED from my credit files from all three credit bureaus ASAP because the accounts no longer belong to me per the open dates and time frames. This is against the law to keep damaging reports on a file for over seven years. Please DELETE all six listed below. 

1. ) XXXX XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX 2. ) XXXX XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX 3. ) XXXX XXXX acct no. ending in XXXX, the date opened, XX/XX/XXXX 4. ) XXXX XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX XXXX. ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX XXXX. ) XXXXXXXX XXXX XXXX XXXXXXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that XXXX  prove to me how they " verified '' that the account with XXXX is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to the creditor for their investigation of my dispute. This does not happen. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point. Employees are rude, disrespectful and give false information while on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine 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 FCRA Violation : student loans not mine US DEPT OF EDUCATION US DEPT OF EDUCATION DEPT OF EDUCATION XXXX XXXX DEPT OF EDUCATION / XXXX  FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation : collection not mine XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

the information for EQUITABLE ACCEPTANCE COR is incorrect. There is no balance due and the account has been paid in full. This was an agency helping me with my student loan. The service was canceled and no further payments were due.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on GRANT & WEBER INC. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureau investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the lists of the erroneous account reporting on my Credit Report : GRANT & WEBER INC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collections account and credit inquiries currently listed on my XXXX XXXX and Equifax credit report is fraudulent and not my collections account or credit inquiries : XXXX XXXX XXXX, balance : {$5600.00}, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX
Product: Debt collection

I review my credit report and I saw IC systems listed I contacted IC systems and was told they were placed on my credit from a previous bill with XXXX I went ahead and set up the date on Monday, XX/XX/XXXX I contacted IC systems in a attempt to receive documentation that I previously owed the debt I was informed by them that I needed to contact I XXXX so I contacted XXXX customer service I was informed they could not email me anything however I could go into my local Xfinity store and receive up to 12 months worth of statements I proceeded to the store on Monday and I was advised that they have a new system and they can not give me any documentation showing my previous Debt due to the debt been from XX/XX/2015 the customer service employees informed me in the store that I would need to contact IC systems to get documentation of the previous debt owed I have been given the runaround and I am only asking for proof that I did in fact old XXXX for services that was rendered back in 2015.
Product: Credit card or prepaid card

They have loaded my money on the card but it won't let me use it and i can't get anybody to answer the phone.It rings u be on hold for hours and the phone hangs up on u
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX CT XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$930.00}, XXXX XXXX Balance : {$0.00}.
Product: Payday loan, title loan, or personal loan

On Monday XX/XX/XXXX, I received a letter in the mail from Spire Recovery Soulutions stating that I owe money on a loan in the amount of {$2500.00} from Simple Fast Loans as of XX/XX/XXXX. I have never applied for any loan with Simple Fast Loans and this is fraudulent notice demanding to get my information. I am hereby informing the CFPB about this company and I want this information to be looked into. I also need for the company to stop sending notices to me regarding payment on a loan that I never requested. I expect for this to be resolved by no later than XX/XX/XXXX. I will also be reporting this scam to the FBI XXXX XXXX XXXX
Product: Checking or savings account

I am co sighner on my account plus banking records prove XXXX XXXX dollars were taken from me all funds came from my paychecks with my name on them. The primary signer is who owes debt. Michael j Adam 's lied to your company as well no agreement was made for payments until well after my moneycwas taken. I filed complaint already they got my banking info but have not wired it yet. I need that r money asap. Debt company lies constantly even to you. If no one is going to enforce debt company to do what is right and just what c else can I do?
Product: Debt collection

It says that I owe money for the month of XX/XX/ I Owe a Final Bill Of XXXX $ Which my bill was never that much as well as I had a payment plan that I payed every month to ensure my bills were lowered. I moved out in XXXX and gave them card information to a bill.thats was of {$86.00} and I gave them my new mailing address to forward any additional information they had failed to send me any additional information proving that I owed money as well as just added it to the credit bureaus. After receiving the debt, I asked them for additional information from the electric company they had told me it was too late, and that I would have to receive all billing information from the debt collector. The debt collector had failed to show me any previous billing that showed why I owe {$300.00} also said they couldnt not provide because they didnt have it I have gave meter readings which I gave you final bill reading on XXXX XXXX I have meters inside my house so I have to give them the numbers to get an accurate reading an accurate price. It was up to the electric company to send me my final billing notice. They had this information because they had sent me a late letter months after I was already sent to the credit bureau. As well as telling me My final bill was XXXX $ on XX/XX/. I feel this is unfair and that I should have proof of why I should be paying this amount. If they can not provide additional information on why I owe {$300.00} and I dont see that I should be fit to pay the full amount or any amount
Product: Bank account or service

PNC Bank cleared a check in the amount of XXXX dollars on XXXX XXXX, 2015. It was for a new part time I job and I had a representative verify the fund with XXXX. The branch manager confirmed the funds were available and that there would be no issue depositing the check. I told him a coworker had an issue and I wanted to be extra sure. The branch manager then told he that the check had already posted to the account and that there would be absolutely no problems with depositing the check. The XXXX XXXX representative confirmed the issue as well. I called into the call center twice as well to confirm that there was no issue with the deposit. The call center representatives both confirmed no issues on XX/XX/2015. 

On the XXXX XXXX, 2015, I noticed a large withdrawal on my account in the amount of the check. I did not receive any communication from the bank about any issue with the check or with my account. Because it is close to the holidays and I had been assured there would be no problems with the transaction several times, the funds were not in the account and it caused my account to overdraft. 

When I went into the bank to figure out what was wrong, I was informed there was an issue with the deposit. Apparently the check was fraudulent. I called the issuer to notify of the issue and filed a report with the local police. I asked if there was anything else I could do with the bank to make the account right, and they told me it was my fault. Despite verifying the funds several times, I was supposed to know the check would not clear. They refused to take the police report and to assist with the issue further.