23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recieved credit alert from XXXX and XXXX yesterday. When i checked my credit history i find a collection account reported from XXXX different address with XXXX different name for the same amount of money ( {$110.00} ). I have never recieved any communication or letter from all the collection agency reporting about the alleged debt i owe. The report is placed on all the XXXX credit bureau at this time. Duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. The name of the company reporting the same negative information are creditor service of Morgan, Wakefield and associates from XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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: Credit reporting, credit repair services, or other personal consumer reports

By 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 has violated my rights : 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S. Code 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Charge-offs are a cancellation of debt which become INCOME, and income is prohibited information on a consumer report. 

Furthermore, XXXX XXXX debt and any actions of collection was dismissed in the court of law and should not appear on my consumer report.
Product: Credit card

There are 2 credit cards companies that were showing on my credit reports. I file a dispute with all three and they investigated and XXXX and XXXX removed them both but XXXX said that it was verified. I received I letter stating it was verified by the company.
Product: Bank account or service

I have a check account with chase ( basic Account with no overdraft autorizacion or allow ) I was out of the country on vacations and when I return I find out that my account was close for overdraft for fees with I never authorize or agree On. Please investigate this uncomplianc conduct from the bank
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has led to unauthorized access to my personal information. Consequently, several fraudulent credit inquiries have been made on my credit report without my knowledge or consent. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following inquiries be immediately blocked and deleted from my credit file. 
XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquiries being furnished on my consumer reports : XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 2020
Product: Credit card or prepaid card

In XXXX, XXXX, I was alerted by one of my credit monitoring systems that my score had decreased. I went and reviewed my credit reports and found this XXXX 's account opened and already negatively reporting. The account was opened in XX/XX/XXXX. I don't know who did it but I did not authorize this.
Product: Checking or savings account

XX/XX/2023 I deposited a check to Bank of America that they flagged me for possesion of a counterfeit check. 

It all started when I put my apartment subleasing up on XXXX. I got in contact with an out-of-state student that claimed they were relocating to be a student in my college town of XXXX, FL from XXXX, TX. They agreed to take over my lease and I even asked them for proof of id and if the check was legit before they had their supervsior send me an e-check for the student 's last paycheck ( {$2900.00} ) and I tried to mobile-deposit it the same day but a few days later the Fraud Team contacted me for details and I told them this situation and they said they would suspend my bank activity till the XXXX and then I should regain my account access but then I re-checked on the XXXX and saw my account was locked and when I contacted Bank of America they just said I was in possession of a fake check so they completely closed down my entire account even including the savings account that I shared with my parents who are long-time Bank of America customers .
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed items on credit report as a result of identity theft / fraud with submitting an Identity theft report from the Federal Trade Commission. Items disputed were XXXX XXXX and XXXXXXXX XXXX XXXX XXXX has been removed but XXXX XXXX is re-appearing. These items have been removed twice now, and the original investigation has exceeded 30 days. If these items are going to continue to be removed, they need to be blocked as the law states. 

Please refer -- 15 U.S. Code 1681c2 states " Block of information resulting from identity theft. A statement by the consumer that the information is not information relating to any transaction by the consumer. '' The law requires the information that is a result of fraud to be blocked. This is the third time I've had to dispute this information. And the investigation process has exceeded thirty days. I will now be filing legal complaints with my state attorney general office.
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 : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX, XXXX XXXX XXXX, 10 XXXX XXXX, 11 XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX   XXXX, XXXX  XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : 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

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have XXXX  days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Debt collection

I HAVE PAID ON THIS BILL EVERY TIME I RECEIVED A BILL. ALSO HAVE PAID TO DATE {$690.00}. WHICH WAS NOT DEDUCTED FROM {$1700.00}. I AM MORE THAN WILLING TO PAY ON THIS DEBT BUT WAS NEVER NOTIFIED BY MAIL NOR EMAIL. EXPRESS RECOVERY WENT STRAIGHT TO COLLECTIONS WITH NOT LETTING ME KNOW TO WORKOUT A PAYMENT RECORD
Product: Credit reporting or other personal consumer reports

somene has been applying for credit using my personal information and also there are incorrect address listed on my credit report that experian and XXXX is refusing to remove. i have called them many times to report that problem but they are refusing to remove the inquires and the fraudulent address.and transunion is refusing to remove all the fruadulant inquires
Product: Debt collection

XXXX XXXX has called me multiple times a day for 3+ weeks  - they leave a voicemail that they are a debt collector and I need to call them back. They leave no details about my debt, nor have they provided a validation notice. I do not have, nor have I ever had debt that needs to be collected. I verified this on my credit report. 

I never answer and I never call back because I know that encourages scammers knowing that I am responsive. I do n't know how to stop the calls and they are causing me significant stress. 

Their number : XXXX
Product: Credit reporting or other personal consumer reports

Elan Financial Services decreased my Credit Card limit from {$10000.00} to {$2000.00}, in which I had a balance at the time of the decrease of {$1900.00}. Not only is this going to impact my great hard work of keeping my credit score very good, it is going to have a negative impact on my credit score UTILIZATION of staying below the XXXX XXXX  usage. The information was incorrect from the letter that I have enclosed stating that on XX/XX/year>, XXXX reported to them that my score was XXXX. I also would like to go a step further that I believe the underwriting department is targeting a certain class of people of minorities because Ironically I have 3 colleagues that they did the same thing to them. Elan and XXXX did a conversion and converted certain accounts and they decided to review certain people of race and target them despite I wasn't a credit risk as you will see from the documents that I have included with this complaint. I was told to submit a Credit Increase, in which that would be a HARD INQUIRY which was also some of the reasons I was told as well.
Product: Credit reporting or other personal consumer reports

I was sentenced to XXXX  years in XXXX. I was released this year XXXX. My social security card, ID, and birth certificate were left in my home at that time of my arrest and someone stole it. Someone has been using my information to open bank accounts, credit cards, get car loans etc... None of this has been with my permission. There were a few accounts that I gave power of attorney for but none of the ones listed in this complaint. All of the items should be removed. I was incarcerated and therefore none of these accounts belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX Creditor : 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 an account without my written instructions.

Based on my knowledge, I don't owe this debt collector.
Product: Credit card or prepaid card

I purchased furniture along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX protection plan from XXXX XXXX ( at XXXX XXXX XXXX XXXX, TX XXXX XXXX ) on XX/XX/2022. On XX/XX/2022, I sent a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX ) requesting a complete cancellation of the {$290.00} protection plan and full refund along with the XXXX XXXX sales invoice, and the Original and only XXXX Protection Plan agreement that was provided to us at the time of sale at XXXX XXXX. At the top of the XXXX  agreement it says Agreement Number : XXXX and at the bottom of the XXXX agreement, it says XXXX. The agreement states on Number 4 ( Conditions ) - Section G ( Cancellation ), You may cancel this Agreement for any reason at any time. In the first thirty ( 30 ) days You will receive a full refund upon cancellation. To cancel within ten ( 10 ) days of receipt, contact the Selling Retailer of Your Agreement for a full refund. After ten ( 10 ) days, contact the Administrator ( Administrator means XXXX XXXX XXXX ) in writing with this Agreement and a copy of your sales receipt to receive a full refund. The certified letter was received and signed for by XXXX XXXX at XXXX on XX/XX/2022. We have provided absolutely any and absolutely every original document/agreement/sales invoice that was given to us at the time of sales at XXXX XXXX when we sent everything certified mail. XXXX is still refusing to cancel and refund the cost of the {$290.00} protection plan. We have filed XXXX XXXX XXXX complaints against XXXX XXXX and XXXX. It is fraud and a scam on the part of XXXX XXXX and XXXX refusing to refund the {$290.00}. I am disputing this amount of {$290.00} charge on my Synchrony Bank card. I have attached all original documents already received and signed for by XXXX.
Product: Credit reporting or other personal consumer reports

Im unable to dispute this online with Trans Union XXXX XXXX has refreshed all late fees on my credit report. This is fraudulent this is malicious this account was closed in 2023 and they were refreshed it like everything was brand new driving my credit score XXXX
Product: Credit reporting or other personal consumer reports

My credit report is reporting XXXX XXXX times on my credit report I have never had any dealings with XXXX  so I called customer service today and inquired why this is on my report the lady took my name my address and former address my phone number my email and last but not least she put in my social security number in which she wasnt able to locate an account of any kind using my credentials so I proceed to ask how do we fix this I have called in verified my identity and even disputed these accounts with all three credit bureaus multiple and I mean multiple times and not only is XXXX  reporting but apparently has sold these so called accounts to a company called XXXX XXXX so its reporting twice which is illegal and the lady proceeded to tell me that they not only cant find a account but they have not recieved any disputes from these credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to inform you that time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} ; XXXX XXXX XXXX  XXXX Balance : {$75.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX XXXX  XXXX Balance : {$75.00} ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Diversified Consultants are calling my home constantly and will not identify what agency they are calling me about.
Product: Checking or savings account

The XXXX XXXX XXXX assigned to handle the complaints adopted the following tactics : She ignores any fact/evidence she chooses entirely, as if it was not presented to her at all, and when pointed out ( repeatedly ) to address it she states that she already saw it and ignored it, and requests new information to ignore. This obviously leads to a convenient one sided outcome every time. 

This approach is unacceptable. This is not a XXXX XXXX but a regulated industry, and such abusive behavior is not allowed. The regulations must be followed, the Dodd - Frank Act in particular.
Product: Mortgage

In XXXX of XXXX, my mortgage was sold to LoanCare. I have been trying to make a payment for the month of XXXX and so on Thursday, XX/XX/XXXX, I logged onto the LoanCare website ( as I normally have for the last 2 years ) in an attempt to make a payment. Each time I try, I am able to enter my username and password, however the page does not load. After several failed attempts, I decided to go on XXXX to search for any mention of their site crashing. To my surprise, I came across an article that was released a couple days prior stating that LoanCares website was offline due to a cybersecurity incident. As of today, XX/XX/XXXX, LoanCare has yet to release a public statement about the breach, how they are going to rectify this issue, whats being done, and alternative methods of payment. Since Thursday, XX/XX/XXXX, I have called over 20+ times with no luck in getting a live agent. After doing some additional research, I stumbled upon a XXXX page with close to XXXX customers who are having similar experiences ; Some of which are reporting fraudulent charges or even multiple ACH payments. It is ridiculous that no emails have been sent out, there is no mention of the breach in either media outlets, the website, or email ; Its ridiculous that there is no way to speak to a live agent so that we can pay our mortgages and it is completely ridiculous and unacceptable that no public statement has been made. We need answers!
Product: Credit reporting or other personal consumer reports

Credence Resource Management , LLC, ( Credence ) is the agency representing XXXX in its attempt to collect {$1300.00}, from me. Prior to the Credence collection letter sent in XX/XX/XXXX, the only communication I received from XXXX was solicitation to join its network. After researching my records, I confirmed to Credence that XXXX had been paid and the service terminated in XX/XX/XXXX. XXXX followed up with duplicate, non-itemized bills ( some of which were missing pages ) which only proved their error in black and white. I contacted XXXX, pointed out the discrepancies and thought the matter was closed as of XX/XX/XXXX. On or about XX/XX/XXXX, Credence made a collection entry to XXXX, which is now being reported on all three credit reports. In my third and last communication with Credence, I was told the entry was being removed as we spoke ( Monday, XX/XX/XXXX ) and would no longer appear on my credit reports before the end of the week. ( XXXX provided bills indicating a charge for equipment followed by a narrative of congratulations on paying off the equipment reflecting a XXXX balance of same ; Credence agreed to remove as consolidation loan for me was pending and I told them I was going to report them on XX/XX/XXXX, as they continually fail to keep promises. ) For the sake of brevity, I will exclude the detailed conversations of follow-up I had with Credence prior to Monday. The attached documents are self-explanatory. Please contact me if you require further information. Thank you.
Product: Credit card or prepaid card

I sent in payment for my account to Aspire shortly after I received a letter stating that my account was closed. I did not request to close this account by writing or verbally. Aspire knowingly is committing securities fraud due to the fact that all statements are noticed and are already being paid in interest on my account as a set-off. this credit card company is double dipping and has already been paid from the security interest. Aspire is in violation of 15 USC 6803 USC 6805 and is in violation of the securities exchange act. they closed my account and are still trying to collect federal reserve notes from me
Product: Credit card or prepaid card

I am not sure when the gift card was purchased since it was a gift. But I did call today, XX/XX/2021 to check my gift card balance only because the person who gifted my son with this card did not write the amount on the card. I also tried on this day to go online to their website ( XXXX ) and check my balance but the website was down. When trying to call the company at XXXX, the representatives either hung up in my face or told me they could not help me since I did not know the original load amount. And then one of the representatives deactivated my card. So now it is not useable. I do not know why they did that. The card has never been used and my son just received it as a gift a few days ago.
Product: Payday loan

Green lineloans the Lender has been paid back XXXX to date on a XXXX dollar loan. After consulting with my attorney I found out they are not licensed to do business in the state of California and I over paid them XXXX which in the interests of good faith I 'm not asking for a refund. Thy claim I still owe XXXX and change.