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

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the XXXX XXXXXXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Product: Credit card

I paid a bill to Home Depot online on XX/XX/year>. A week later I saw a check sent to my Credit Union with all my banking info from HD. The paper check had no signature and a ck # XXXX. I contacted XXXX XXXX and they were concerned that this was some type of fraud. I write few checks, and they thought that it looked so odd that they suggested that I close the account. The money was pulled back. When I contacted HD I found out that I had been enrolled in Autopay but would not tell me who had done it or when it had been done. Nor why a paper check had been sent to my XXXX. And I found a " returned check fee '' added to my account. That fee was cancelled and Autopay was ended upon my insistence, but I could not get an answer to the issue of why the Autopay was turned on in the first place. I never use Autopay for any bills that aren't regular amounts, such as insurance or loan payments. Entries to my " account activity '' were made without my knowledge, and HD customer service denied what I was reading to them as we spoke
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove this fraudulent account from my XXXX XXXX XXXX XXXX XXXX assigned XX/XX/2016 {$470.00} I reported to this company and to the bureaus that this is a fraudulent account in my name and must be removed asap! i have written to this company and asked them to send me the original contract with my original signature and original lease the company could not provide this info and neither could the bureaus which lets me know further that this is an act of fraud and a crime. I am the only natural person that can validate or give consent of an obligation that you the debtor says belongs to me. According to federal law 15 USC 1692 ( e ) disputes the validity of this so called obligation and i have not received any original contract connecting me to this fraudulent account. This has hindered me and my family in obtaining credit and is a violation and crime of my consumer rights and has caused damages to my mental state and welfare to maintain my home, because of your companies failure to validate this so called debt, i am entitled to compensation according to federal law 15 USC 1692 ( k ) any person is liable to such person in an amount equal to the sum of XXXX according to F.D.C.P.A 15USC 1692 ( k ) and can and will be filed in the U.S district court.. 
REMOVE account asap and compensate acct # XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Thank you XXXX XXXX XXXX
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. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, XXXX  XXXX 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

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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  I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.
Product: Debt collection

I am being repeatedly attacked throughout the day under numerous phone numbers by United Recovery Systems. I am being harassed and want this to stop. They also call the home landline under XXXX.
Product: Student loan

I noticed that there are XXXX federal lawsuits against the Navient Corp for the way they handle consumers who requested repayment plans. Exactly what happened to others about their student loan happened to me. I called the company and requested to work a payment arrangement based off income. They said they would get back with me. When I did n't hear from them I went into my loan information online and found they had deferred my loan. This was the second time they had done this in 2 years. I am willing to make the payments, but my income was not going to accommodate the amount they were requiring. This loan comes off deferment next month and I will again call them to arrange payment plans.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXI Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$14000.00} Status Account charged off. {$1.00XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2600.00} Status Account charged off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$4100.00} written off. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$490.00} Status Account charged off. $ XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$610.00} XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 


FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX XXXX. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I submitted CFPB complaint XXXX and received a reply with no further action other than reaching out to a debt collector, however, they are unable to answer my further questions. 

Please review complaint XXXX and then review my comments below. 

The file that was attached referenced paragraph 5 of our letter, stating that credit cards were not closed down at this time. HOWEVER the attached letter, in paragraph 5, states, and i quote : " This account closure requirement does not include, if applicable, any of your installments loans, home equity loans/lines ( or a credit card attached to a home equity line ), mortgages or IRA accounts XXXX '' The above line from paragraph 5 of the account closure template only specifies credit cards attached to a home equity line. Our credit card was a normal consumer credit card ( we didn't even own a home at this time ). 

Please re-review this letter. I have attached both the account closure letter and the recent response from CFPB complaint XXXX XXXX - The credit card showed on both of our credit reports as closed an in good standing as of XX/XX/2018. Why would this be reported as closed? Please provide an answer. If you indeed intended not to close this account at this time, why was it reporting such on our credit reports? Who closed this account? 

2 - We were under the impression this card was closed. How is it our duty to ensure that account closures are properly handled on the banks end, when the letter clearly states everything was being closed. 

3 - The letter only states a home equity credit card and not a consumer credit card. How is SunTrust ( now Truist ) able to send out this letter, stating it was closed, yet keep our card open, even though they sent the account was closed, thus allowing automated payments or potential fraud to continue charging our card for years? How are we to know that this was NOT closed, when everything we saw stated it was closed? We lost access to online banking and our credit reports showed this as closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled by XXXX  XXXX by a XXXX XXXX, that is the name he gave me. I called XXXX  XXXX XXXX at XXXX in regards to some credit card they were are advertising. After giving the agent mention above my full name, address social security number, my annual salary, where i worked, how much i had in my saving, 401k and pension fund and also my birth day. He stated he needed this info to verity me via the social security office. We specifically spoke about not running my credit with my permission, he told me the bank would never do that. He then said i do not need to run your credit to know if you are approve for the card. I mention to him about 5 times please do not run my credit. I am sure XXXX  XXXX XXXX can produce the phone conversation that we had. This to me is an abuse. I felt i was trick by Mr.XXXX. The bank made it sounds like i was already qualified for the card as a promotion. Please help. I can explain more in details. my contact number is XXXX and my name is XXXX XXXX. There has to be a recording of the call. The call was Placed to XXXX XXXX XXXX at XXXX XXXX  XX/XX/2021 and lasted 26 minutes and 9sec
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out Equifax, XXXX and XXXX since XXXX to try and fix fraudulent accounts in my credit report. I have bought services and on multiple occasions I have tried disputing these fraudulent accounts online and over the phone. I have also mailed letters to addresses they provide online and the phone. The last dispute was filled on XX/XX/XXXX, and the incorrect information is still showing even after years of disputing the information. I have provided identity theft reports and all documents the have requested and nothing has been done.
Product: Checking or savings account

I opened a U.S. Bank Business Checking account on XX/XX/19. U.S. Bank was running a promotion from XX/XX/19 - XX/XX/19, during which if I opened an account and deposited {$5000.00}, I would receive a {$400.00} bonus within 45 days. I deposited {$5000.00} by XX/XX/19, and as of writing this complaint on XX/XX/19, I have not received the bonus. The banker that opened this account and U.S. Bank have both been unhelpful and misleading. In fact, I was told that I had already met the bonus requirements, only for a banker to tell me that I needed to upgrade my existing checking account, to see if that would " fix '' the bonus. Unbelievable.
Product: Credit reporting or other personal consumer reports

Dear Federal Deposit Insurance Corporation, FDIC : XXXX XXXX XXXX, has allowed fraud to occur on XXXX XXXX XXXX  credit card, and are in violation of Fair Debt Reporting Act, as well as, Fair debt collection practices act ( 15 USC 1692, 1681 ). They are reporting their fraud onto my credit report ( all 3 credit bureaus ) and the 3 credit bureaus are refusing to delete or correct the inacurate credit reporting, in knowing, I have validated I DON'T OWE XXXX XXXX by giving them receipts of that fact.

Please assist with removing XXXX XXXX, XXXX XXXX, and XXXX off credit report , as NONE OF THEM HAVE VALIDATED THE DEBT ALLEGED. Please have their adverse reporting REMOVED OFF MY CREDIT REPORT. 

Sincerely, XXXX XXXX XXXX XXXX PHONE : XXXX EMAIL : XXXX XXXX
Product: Checking or savings account

XXXX charged the incorrect account for charges for XXXX XXXX he is not on my account nor authorized, XXXX has contested charges thru this merchant as they falsely misrepresented themselves and he disputed with this company that they took out these charges from the incorrect account as XXXX was never on my account. This company has been disputed by XXXX because they charged him for an XXXX package thru XXXX and then he was charged for a car and hotel fee at destination he already paid for these charges. Go program is aware that XXXX was not on my account when these charges were pulled from my account.
Product: Checking or savings account

Dear sirs, Please find attached below fraudulent transactions from XXXX XXXX XXXX XXXX. Fifth third bank is not resolving this issue. I am a XXXX XXXX XXXX XXXX XXXX. All my retirement money gone. This company never worked with me as I was living XXXX  in my native country. I checked my account in XXXX and got to know these fraudulent transactions and my account wiped off. 

Full list of disputed transactions are as below : - YEAR 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regards. 

XXXX XXXX & XXXX XXXX
Product: Vehicle loan or lease

I noticed that I have a closed loan open XX/XX/year>XXXX XXXX XXXX XXXX I Have never open a car loan at this time. I Had No Knowledge Of This Account Being Open
Product: Credit reporting or other personal consumer reports

I have identified the following incorrect accounts and request that they be updated or removed : XXXX XXXX XXXX Balance Owed : $ XXXX number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX XXXX XXXX XXXX : $ XXXX are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : $ XXXX
Product: Debt collection

i've requested a debt verification letter multiple times from Alpine Credit Agency regarding the debt they claim I owe but they have not sent it. I have disputed the collections through XXXX, but every single time I dispute it, they verify the information is accurate and yet I yet have to receive a letter detailing the debt. The balance keeps increasing. They also haven't attempted to contact me by phone.
Product: Mortgage

I submitted a partial payment via wire at XXXX and I have the receipts of the proof. I had to pay the remainder of my mortgage home payment to Caliber Home Loans, and none of the representatives told me I couldnt go through XXXX at the time. Caliber gave me their wire information with the account number and routing number with the financial institution they go through. I wired the payment through XXXX and somehow caliber has not received it. When their bank verified the payment was received. I went back to XXXX to get my funds refunded to me, and they wasnt able to do so. Caliber Home Loans reported to the credit bureaus I never made the payment even though I have the proof the payment was made by the XXXX to avoid negative credit reporting. I had to file a dispute with XXXX because it is on my credit. Keep in mind, the year of 2022, some representatives will take partial payments over the phone, and others wont. Ive had to argue with them about taking my payment over the phone. Some are rude about it & wont even check my status of past partial payments Ive submitted to them via phone. I have several times requested I speak to a supervisor, more times than I can count on this issue. They refuse to transfer me or they will not have them return my call. I have the print out of receipts that I have submitted the funds before the XXXX. To this day Caliber is saying they have not received my payment.
Product: Debt collection

I received a letter from the Debt Relief Center stating it was an important second notice to help alleviate my credit card balance of {$29000.00} for a pay off amount of {$14000.00}. The letter is very deceiving in that it makes it look like I have {$29000.00} in credit card debt. There is no way this company would know how much debt I truly owe, I have strict credit monitors in place through the one credit card company I use and my current balance to them is less  than {$250.00}. I have no other open credit cards and have not been notified by my credit card company that any new inquiries have been done on my credit report. I can supply a copy of this letter to you and fear that someone not educated about their credit like I am will be taken advantage of
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 federal protect protective consumer rights to privacy and confidentiality under 15 USC 1681 the accounts are as listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX account XXXX XXXX XXXX XXXX next account XXXX XXXX account number XXXX next account accept it now are XXXX XXXX XXXX XXXX account number XXXX these accounts has violated my rights under 15 USC 1681 section 602States I have a right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c a 5 Section States no consumer reporting agency may take any consumer reporting containing any of the following items of information any other advice items of information other than records of convictions of crimes which the records by more than 7 years 15 USC 1681 s2a1 a person shall not furnish any information related to the consumer to any consumer reporting agency if the person knows or has been reasonable cost to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

XXXX dropped my credit score by XXXX for an increase of {$160.00} on 2 credit cards combined. 
Equifax dropped my credit score by XXXX points for an increase of {$160.00} on 2 credit cards combined. 
XXXX dropped my credit score by XXXX points for an increase of {$160.00} on 2 credit cards combined. 

But yet when I make a payment they only credit me XXXX point on my credit score. This is not legally binding to do to a consumer. Please investigate them all immediately. No one 's score should drop this much for {$160.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, ADDRESS XXXXXXXX XXXX XXXX  XXXX XXXX, FLORIDA XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX, XXXX INQUIRY DATE XX/XX/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: Student loan

i attended XXXX university back in XXXX, i received a loan from Great Lakes student loans. i took off one semester when i tried to re-enroll the school was closed no more XXXX College at the time i didn't think to much of it until XX/XX/XXXX when XXXX XXXX , XXXX garnished my entire income tax. The FDCPA protect consumers against pre-judgement garnishments. Also seeing as though the school closed in XX/XX/XXXX and my entire income tax was garnished on XXXX XXXX if the school was already closed then the collection agency should have known, thus information should have been provided via letter, email, phone call, etc no attempts were made to contact me. i feel this has been a very unjustified way to do business by the Federal Government and its education branch im am seeking to recover my refund and plan civil suite for damages in the amount of {$10000.00} plus the {$5200.00} that was garnished do to fraudulent practices and misrepresentation of the truth
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$95.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$95.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00}