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

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Trafficking Block Request To Whom it May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Name XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, 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 XXXXXXXX AccountAccount Name- XXXX Account XXXX XXXX Account Name- XXXX  Account Number- XXXX Account Name- XXXX  XXXX Account Number- XXXX Account Name- XXXX Account Number- XXXX Account Name- XXXXXXXXXXXX  Account Number- XXXX Account Name- XXXX XXXX Account Number- XXXX Account Name- XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX  XXXX Account Number- XXXX Account Name- XXXX XXXX XXXX Account Number- XXXX Account Name- XXXX  Account Number- XXXX Account Name- XXXX  XXXX Account Number- XXXX Account Name- XXXX XXXX XXXX Account Number- XXXX Account Name- XXXX XXXX XXXX Account Number- XXXX Account Name- XXXX Account Number- XXXX Account Name- XXXX  Account Number- XXXX Account Name - XXXX Account Number- XXXX Account Name- XXXX  Account Number- XXXX Account Name- XXXX Account Number- XXXX Account Name- XXXX XXXX XXXX Account Number- XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Enclosures Proof of identity Trafficking documentation
Product: Debt collection

I have made several attempts to make arrangements to pay Portfolio Recovery Associates who are handling my XXXX XXXX Account. They refuse to help me all they want is my checking information to take full amount. I am a single mom with XXXX kids and ca n't afford to have that much taken out at once. After the 3rd try I was told I could due a money order and send it in with what I could pay right now I said ok and asked for the address. They rep informed me that they do n't have an address that he could give me. I replied you want me to pay with money order but not give me the information on where to send it, he replied back by saying he will send me information in the mail which I never got. I have been harassed 2, 3 and even as much as 4 times a day. They call my house, my cell, my family and even my work. I have told them not to call my work that I 'm not allowed to have theses call or I can be fired and they keep calling. I have reached out to both XXXX and XXXX about the harassment and not wanting to work with me on payments. They came back and told me to get an attorney but again I 'm a single mom and ca n't afford and attorney. Please can you help the harassment has to stop they refuse to take arrangements at this point I do n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit profile from Radius Global Solutions with account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S. code 6802. For example, my name, social security number, and date of birth. Only a signed contract between I, the consumer, and Radius Global Solutions would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 
Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I have not received any debt validation notice from Radius Global Solutions as they were lawfully required to provide to I, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that Radius Global Solutions has sent a debt Validation Notice to I, the consumer. Written and verbal communication directed via FDCPA was not provided to I, the consumer ; allowing me to properly dispute this invalidated debt
Product: Credit reporting or other personal consumer reports

I have identified inaccurate details on my credit report, as protected by 15 USC 16c-2. I believe this information is misrepresenting my creditworthiness. The inquiries were not authorized by me.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report was lowered by XXXX points over the course of two days i am current on my debts and continue to pay i feel they are intentionally lowering my score in order to upsell me on extra credit protection that retails for XXXX dollars a year this in not right
Product: Debt collection

This debt is placed in collections on my credit report under Monterey Collections, they say I owe them {$560.00}. As I never signed a legally binding contract with that collection agency. I disputed this debt with all 3 credit bureaus and wrote the address listed on my credit report asking them to validate the debt with them by sending a contract. They have since then, sent me emails, sent a contract and are now calling and leaving voicemails on my phone. I have since then responded and asked that they only communicate thru US mail, as debt collectors are very aggressive and rude people. I then got another repeated email from this company as soon as I hang up the phone. ( shown in the proof ). They sent a contract thru the mail, which has an e-signature on it, they say I signed for, and address that I do not live at and a social security number with X 's followed by 4 number in which they claim is my social and the original contract that I signed. The contract also says that I agreed to pay XXXX XXXX XXXX and or their successors ( which I am assuming are them ). When I try to look over the original contract in my email, I see that they have disabled the original link with the ORIGINAL contract on it. This contract also says that I agreed to pay the state of DELAWARE, this collection agency is out of XXXX, CA. I reside in North Carolina. I owe no one in California. I am asking for the original contract, an authentication or proof that the alleged e-signature is in fact mine. As I am not obligated to pay back money under a FORGED/edited contract. I feel as though I am being manipulated into paying a credit company that I have not signed a contract with. They are threating to take legal action against me, but have disabled the link showing the original contract so that I no longer have access and have instead sent me a typed up contract. 
They keep saying that I had 30 days to respond to the original debt notice sent but they don't even have my correct address on the alleged loan contract. They only have my current address because I wrote them FIRST.
Product: Credit reporting, credit repair services, or other personal consumer reports

i noticed on my credit report XXXX XXXX XXXX  account number XXXX was incomplete and inaccurate. i disputhed this account and it remains on my report. i now have proof that the fair and thorough independent investigation was never carried out by all parties involved that being XXXX  Transunion and XXXX. first off XXXX doesnt even have an account number listed for this account which is incomplete and the contact info is different on each report. and the open date is incomplete.The date of first delinquency is also wrong XXXX has it listed as XX/XX/2016 when it clearly shows that date to be paid on time. How was this information passed up/ looked over? proof that they did not investigate. i am requesting proof of investigation and this account must be deleted for being in violation of the FCRA. Proof is attached in Documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX are hiding information from me. My attorney found a mortgage on my name, bankruptcy on my name, these accounts were put on my name without my consent. I apply for credit and it's always denied. Also, they are sticking up for banks that I have on my report that are breaking the FCRA law in many ways. They don't correct my problem. XXXX XXXX and XXXX XXXX broke the FCRA law and these bureaus are supporting them.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Truist regarding the sudden locking of my account and the subsequent lack of transparency and accessibility in resolving this issue. 

I initially opened my account with Truist without any complications. Subsequently, I added XXXX external accounts for micro deposits, following the standard procedures. However, without any prior warning or explanation, my account was inexplicably locked. Despite numerous attempts to seek clarification and resolution from Truist, they have provided no information regarding the cause of the lock or the steps required to rectify the situation. 

Compounding the issue is Truist 's insistence on resolving the matter solely through in-person visits to a physical branch, requiring me to present XXXX forms of identification. Unfortunately, there is no Truist branch in close proximity to my location, making it extremely inconvenient and impractical for me to comply with their demands. As a full-time worker, taking time off from my job to visit a distant branch is simply not feasible. 

Furthermore, the timing of this lock is particularly distressing, as it has occurred right before my paycheck was deposited into my account. As a result, I have been left without access to my funds, jeopardizing my ability to meet essential financial obligations such as paying bills. Additionally, during this period of account lock, I am also being deprived of any interest earnings on my deposited funds. 

It is unacceptable that in this day and age, a bank like Truist would resort to such archaic and inconvenient methods for resolving account issues. The insistence on in-person visits disregards the realities of modern life and demonstrates a lack of consideration for their customers ' time and convenience. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and compel Truist to adopt more customer-friendly and efficient protocols for resolving account issues. Customers should not be subjected to unnecessary hurdles and inconveniences when seeking resolution to legitimate concerns regarding their financial accounts. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Checking or savings account

My account was previously with MB Financial Bank. I moved from XXXX to XXXX on XX/XX/XXXX. MB was bought out on XX/XX/XXXX. 

I did have an overdraft that i am willing to pay to resolve this issue -- when i called in mid-XXXX, i was quoted {$62.00} to clear the overdraft and close the account. I was assured nothing else would be charged to the account, and i did request the account be closed. 

I received a statement today showing a balance of - $ XXXX, but when i called Fifth Third in the morning, the agent stated the balance was at - $ XXXX. The agent reversed two overdraft fees, but refused to stop activity on the account and told me fees would continue until it was paid in full. ( Apparently XXXX XXXX keeps trying to take money out, but i am pretty sure i cancelled my membership. I am aware that i also need to contact them, but Fifth Third should be able to stop activity on the account. ) I was given a different phone number and transferred to a department that couldn't help me. 

I posted on social media with the hopes of corporate closing the account and setting the discrepancy with the overdraft amount. I spoke with that department, who refused to do anything for me. 

My concern is that i did not voluntarily sign up for a Fifth Third account -- it was a transfer from MB. I have no account number for the Fifth Third account, nor do i have an online banking login, a nearby branch, or any other way to monitor this account. I can't tell how many times my account has been charged, or for what. ( I do still have my MB account number and debit card. ) How am i supposed to reasonably know what fees are legitimate? I would like to settle the account in full, but do not believe I should be held responsible for charges after my first contact with Fifth Third, as i made it abundantly clear that no other charges were authorized to the account.
Product: Credit reporting 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 : Account Number : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX ================================ UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ==================================== 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Credit card

I settled a debt with BARCLAYS BANK DELAWARE thru their Collection Agent XXXX XXXX XXXX XXXX. My original debt was around {$2300.00} and we agreed to settle for the amount of {$930.00} three monthly payments were deducted from my bank account ending in XXXX. This account was paid per settlement agreement on XX/XX/2016. I was aware and accepted that I will receive a XXXX at the end of the year to report on my Federal Income Tax. The issue is that I have, is that BARCLAYS CREDIT CARD refuses to update this account as settled and paid with the XXXX major credit bureaus. I have sent them letters and called but they still have not complied with my request. As of XX/XX/2016 on a recent credit report pulled by XXXX, this is the information that states related to my account : " ACCT SUBMITTED TO COLLECTION ; CUSTOMER UNABLE TO LOCATE SUBJECT ; CHARGE OFF CHRG {$2300.00} ; CLOSED BY CREDITOR ; PAST DUE PAST {$740.00} ''
Product: Debt collection

N accordance with the Fair Credit report Act XXXX  account XXXX XXXX XXXX  has violated my rights. 

15U.S.C 1681Section 602 A.States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also Stata consumer reporting agency can not furnish an account without my instructions
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late payments for the accounts that I have included screenshot inside the complaint on XX/XX/22 and XX/XX/22. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you, Please see the attached file.
Product: Consumer Loan

when I signed up for the loan in XXXX/XXXX/XXXX I agreed to auto pay. Earlier this year I experienced financial hardship from losing my job. I requested that auto pay be cancelled, the lender refused to do so and took and unauthorized payment from my account in XXXX. I called and they then cancelled it after it over drafted my account by over {$400.00} I had to pay those over draft fees. 

on XXXX/XXXX/XXXX they took another unauthorized payment from my account for XXXX I requested it be refunded they refused and told me to send a cease and desist letter, I requested to speak to a manager the person I spoke with refused to let me speak to someone else and asked me to call back at a later time and hung up on me. 

I had to call my bank and block them and they 're closing that account I have to wait 10 days for a new card and because the transaction is still pending I have to wait for it post before I can get a refund which will take a total of 12 days, therefore I am out of the money for nearly two weeks. The lender refuses to refund the payment. 

when I originated the loan I was told it would help build my credit after I go the loan Special Financing Company told me they will not report to the credit bureaus I was lied to, I have received multiple calls from them in some cases back to back my calls records can prove that. I have lost several hundreds of dollars dealing with this company. 

in the year and a half I have had this loan I 've never once received a statement, if you request a copy of my call records with them I have made multiple requests which they have not honored
Product: Debt collection

Eastern Account Systems of Connecticut , Inc is refusing to pay the required arbitration fees, violating the terms of the arbitration agreement with the original creditor. This refusal undermines the dispute resolution process outlined in the agreement and has caused unnecessary delays and emotional distress.The agreement explicitly requires that disputes be resolved through arbitration. Eastern Account Systems of Connecticut , Inc refusal to pay the arbitration fees has effectively blocked the process from moving forward, making it impossible to resolve the dispute as outlined in the contract. Eastern Account Systems of Connecticut , Inc actions have caused significant emotional distress, as I am unable to have the matter resolved through the arbitration process as agreed.
Product: Debt collection

I have sent a debt verification for a cell phone line of XXXX who sold the alleged debt to a debt collector. I sent a debt verification letter to both XXXX & the debt collector, and received a return to sender from the debt collector and no response from XXXX six weeks ago. I would like this debt to be removed because XXXX companies have been unable to verify the debt.