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

In accordance with the Fair Credit Reporting act. The List ot 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  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 receive phone calls from a collection agency regarding a bill I paid off. It was an overdraft loan and through The XXXXXXXX XXXX here in XXXX, NH XXXX. This bill was paid in full by me physically going to the bank and making payment to them. My husband passed away XX/XX/2021 and I paid them off on XXXX XXXX. I do not owe the XXXX any money & I no longer do business with them. 
I just got a call from their collection agency last Friday XXXX XXXX. Their listed as FBCS Consumer Contact Solutions - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX, PA XXXX - toll free # XXXX. 
I want this corrected ASAP on my credit report etc. as I am trying to refinance our home. I need a lower mortgage payment since my husband 's passing last XXXX with XXXX. My income has been significantly decreased due to his passing. Thank you so much for any help you may provide.
Product: Debt collection

MRS BPO LLC notified me via mail that they were collection on a 'debt ' that they claimed I owed XXXX XXXX 

XXXX XXXX had, in fact, previously charged us incorrectly ( part was an overcharge and part was previously paid ). Through various phone calls, XXXX agents had studied the account and said they would work it out. However, nothing happened, we stopped calling after a while, assuming they had finally done the analysis. Then, MRS BPO contacted me.

I promptly returned the MRS BPO form, advising that the debt is not owed by me.

MRS BPO did not respond to me, but instead filed a collection against me with credit bureaus. 

It is unfair that XXXX XXXX can claim a debt for which there is no signature, and now proof. I can not control how their agent keypunches into their system. 

MRS BPO LLC should not have ignored my response. They should either go to court to try to prove the debt, or cease collection. Filing with the credit bureaus is fraudulent, as they have no proof that I owe the debt ( and I strongly deny it ).
Product: Credit card or prepaid card

American Express says I have a account that I can't access or close account. 
I never had an American Express card through my local tax office and they couldn't provide an card through my tax office because of identity theft someone fraudulent got 1 or more already. I'm reporting I'm a victim of identity theft and tax fraud.
Product: Credit reporting or other personal consumer reports

My outstanding credit card balance with XXXX XXXX  account ending in XXXX has been fully paid. I paid the amount of {$100.00} on XX/XX/year>XXXX  and {$4500.00} was paid XX/XX/year>XXXX  but XXXX  has not updated my account with any of the payment and its still negatively affecting my account. Attached are receipts showing the proof of payment
Product: Debt collection

The credit card company XXXX XXXX keeps contacting my family which is ILLEGAL. I understand my debt is not paid. But repeated phone calls, about 30 a day  and repeated phone calls to family members. If comenity bank keeps contacting anyone but myself I will take them to court and sue for illegal activity.
Product: Debt collection

XXXX XXXX FROM XXXX XXXX CONTACTED MY PLACE OF EMPLOYMENT SAYING HIM AND A FRIEND FROM THE FUGATIVE SQUAD WOULD COME AND ARREST ME AND IF I DIDNT GO WILLINGLY THEN THE WOULD TAKE ME DOWN WITH EXCESSIVE FORCE .XXXX THEN PROCEEDED TO INSULT ME SAYING I DONT HAVE INTERIGRITY AND MY MOTHER SHOULD NOT HAVE A SON LIKE ME AND HE WAS GOING TO KEEP CALLING MY JOB UNTL HE GOT ME FIRED BECAUSE A PERSON LIKE ME DOESNT DESERVE A JOB
Product: Debt collection

On XX/XX/2018, I answered my company 's phone and was immediately talked to in a ugly manner. I stated that my AP manager was at the post office and my CEO was in a closed door meeting. He stated " woman get out of your chair and go open the door ''. He then proceeded to threaten to sue me personally and have papers served on me. I asked for his information ( name, number and the spelling of his company name ). He refused to give this information to me. I let him know that I would be able to help him without this information. I hang up the phone and he immediately called back. My AP Manager just walked back in to the office and was able to answer the phone. He told my AP that he was planning on suing me again. 

TekCollect XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX
Product: Mortgage

Citi-Mortgage promised me/us that they would grant the mortgage modification that I applied for, after they received {$4700.00} then never granted it. Little did I know at the time, the amount they said we were behind was never owed because they added a second Home Owners insurance policy to our fixed rate mortgage without our knowledge/permission when we already had a home owners policy. Seven months later, and after numerous phone calls I finally was able to break through and discover what they did. I was TOLD that I would be granted a reference number and a refund and the mortgage to be recalculated. The refund was never issued, the recalculation was never done, and even after a courtesy call from our Mortgage Modification Counselor apologizing for the mess and assuring us everything was going to be set right, three weeks later I received pre-foreclosure papers. There was no reasoning with Citi. Government, Lawyers or Officials knew what Citi was doing at this time so there was no direction to follow, nobody to contact who could help or understand. I finally filed a complaint with the XXXX Virginia Attorney Generals office and they instructed me to sell the house at a loss to avoid a " Short Sale '' and try to salvage any equity so we could survive because Citi was unstoppable and they never responded. We lost everything. What was ironic was that in the prior 9 months before the house was sold that I received and still have XXXX escrow statements showing a surplus in XXXX 6 month periods. The first was a surplus of {$600.00} and the second was a surplus of {$750.00}, which they never returned. It is impossible to have a surplus for over a year after Home Owners and Taxes were paid and claim a foreclosure. Last year I received class action papers stating that Citi had intentionally extorted over {$820.00} XXXX dollars, from over XXXX people, and passed it out to management for bonuses from this forced place insurance scam. Not only did they deceive us with the mortgage modification scam then they used our money to illegally foreclose. We did not owe them they money they claimed but there was nobody to stop them along with their Lawyers In XXXX Virginia XXXX PEASE NOTE!!!!! BELOW I NEED TO SELECT MAKING PAYMENTS AND PROBLEMS WHEN YOU ARE UNABLE TO PAY, because we actually went through their process and scammed then foreclosed when they refuse and refused to recaclulate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have obtained a recent copy of my TransUnion report and 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  acct # XXXX has violated my rights XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX has violated my rights XXXX 
XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXXhas 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. 
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 have disputed this information with proof and the company refuses to respond on time and consider my proof. I believe the company is in willful non-compliance of XXXX XXXX Trans Union Corp., XXXX. XXXX ( XXXX. XXXX XXXX, 1995 XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$170000.00} XXXX  XXXX XXXX Balance : {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have made multiple attempts to reach out toTransunion to dispute several accounts that are inaccurate and unverifiable. I've attached the dispute letter which has received no response for over 60 days. Due to this delay and neglect, Transunion has failed to follow federal laws as outlined by the FCRA. These negative accounts have caused me much personal grief and I have attached my demand to comply letter which has also been ignored. I have proof of my letters being delivered on time through USPS certified mail. There is absolutely no valid excuse as to why Transunion has refused to respond. I would appreciate your help in resolving this issue and making Transunion comply with the federal laws made to protect consumers such as myself. Thank you.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate. and false information consists of a a person XXXX XXXX XXXX XXXX opened XXXX XXXX under account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX XXXX account number ( private ), a credit card opened at XXXX XXXX XXXX XXXXXXXX account number ( private ), an inquiry from XXXX XXXX, another inquiry from XXXX  to XXXX i demand all fraudulent accounts be removed immediately from all 3 of my consumer credit reports pursuant to my rights within the FCRA FDCA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent Items. I do not recoanize the atorementioned accounts. collections. or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the atorementioned accounts. collections. and hard inquiries are the result of identitv theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my XXXX  & XXXX  Credit report I have discovered a couple of Inquiries that I do not recognize nor did I authorize. Please remove the following inquiries : XXXX/XXXX  ( Reporting on XXXX  ) Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX And BANK OF AMERICA ( Reporting on XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's current " credit freeze '' status can not be seen. Instread, they push you to pay-upgrade to " credit lock ''. 

Requires mailed paperwork every time to freeze/unfreeze credit report since 2017. Online freeze/unfreeze fails every time saying my wife and I need to mail in the request, without explanation. There's no option to upload documents either. 

Experian seems to go out of the way to make the process painful to consumers. 

XXXX and XXXX do not have such issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I received a payday loan from XXXX XXXX XXXX for {$900.00}. I called them to arrange repayment in XXXX installments of {$310.00}, {$310.00}, {$310.00}, and {$270.00}. I was shocked to learn that they had lied, and changed the repayment terms to 20 payments of {$310.00}! That is over {$4500.00} dollars, an interest rate of 700 %. This is illegal in California as usury, but they claim to be exempt from State laws because they are on tribal land. This company has received hundreds of complaints and is banned from doing business in some states like Washington. Please help me, I did not know this company was engaging in fraudulent and deceitful practices. They outright lied about the terms of this repayment. They are preying on unsuspecting people who are desperate to pay their bills. They should not be allowed to be in business. I 'm sure you have received other complaints like mine. My daughter is very ill, I am paying all our expenses, and I can not comply with these outrageous terms. These people are liars and not to be trusted. I am changing my bank account so they can not take {$310.00} from me very 2 weeks, which I never agreed to. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15USC 16802 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 se It is the bureau 's responsibility to report accurate information ONLY, this account is listed twice with different account information, if it is for the same account how is that possible. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was no full investigation of reasonable procedures for my dispute requests NOR was my DEMAND for validation through documentary material met. I was only given an updated report, that showed no updates. REMOVE IMMEDIATELYXXXX XXXX of this title.
Product: Debt collection

Portfolio Recovery Asso, LLC. is attempting falsely to collect a debt already discharged via bankrupts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2022 The problem si that the popular banck of XXXX XXXX deos not report the mortgage Oln to the credit agnciese
Product: Vehicle loan or lease

XXXX XXXX XXXX is has violated the following : Privacy Act of XXXX ( 5 U.S. Code 552a ) 15 U.S. Code 1681b 15 U.S. Code 1681c 15 U.S. Code 1681o 5 U.S. Code 1681n 5 U.S. Code 6805 12 CFR 1022.3 12 CFR 1016.1, 1016.4, 1016.7 Ford Motor Credit is currently violating the Security Exchange Act of XXXX. 

I am writing to you as a concerned investor in For Motor Credit and demand the immediate return of the securities and payments made as outlined in the agreement between the investors and the trustees. The purpose of this letter is to express my intent to file a lawsuit for securities fraud if the requested actions are not promptly addressed. 

unaware I entered into an agreement with Ford Motor Credit as an investor, wherein I entrusted my hard-earned funds and security to the trustees for the purpose of future financial gains. However, I have recently discovered substantial evidence suggesting fraudulent activities and mismanagement of funds by For Motor Credit and its trustees. 

The basis for my claim is as follows : XXXX. Securities Fraud : It has come to my attention that the securities I have invested in have been misrepresented, and false statements and promises were made regarding the financial performance and stability of Ford Motor Credit. These misrepresentations constitute securities fraud, a violation of federal securities laws. 

XXXX. Breach of Fiduciary Duty : As trustees, your primary duty is to act in the best interests of the investors. It is evident that this duty has been breached as a result of the mismanagement of funds and the failure to safeguard the interests of the investors. 

XXXX. Failure to Provide Adequate Disclosure : The trustees have failed to provide accurate and complete information regarding the financial health and prospects of Ford Motor Credit. This lack of disclosure has prevented investors from making informed decisions about their investments, further exacerbating the fraudulent nature of this scheme.
Product: Checking or savings account

XX/XX/year> Was the date the deposit was made from that point on they used a portion of it to pay on 2 of my cards instead of all 3 and I withdrew money to pay some of my employees and then the account was frozen and they wouldn't tell anything after that. I asked why they were using my money for my accounts but didn't allow me to? They said my account had a security issue so they helped me change my passwords and now since then they have not allow me to get in my account. I have been still getting email statements about my account which is how I found out my account was emptied out by the bank where did my money go and why hasn't anyone cut me a check for my balance if you were going to close my account??? Its somee illegal fishy stuff happening at this bank but they are still asking my to pay {$80.00} dollars for my last card I asked why didn't they just take the money for that card as well? since they did that before? This is unacceptable can you help me? My Contact information is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX For XXXX XXXX XXXX or XXXX XXXX XXXX XXXX TX XXXX either address will work.
Product: Vehicle loan or lease

I have a 36 month lease for a XXXX XXXX XXXX through GM Financial that was initiated in XXXX of XXXX. In XXXX of XXXX we moved to a new address and advised GM Financial of our move. Our XXXX, XXXX, and XXXX of XXXX bills were all sent to our new address. Then in XXXX the XXXX bill did not show up. I tried calling them, but no one answered the phones. I went to the web site and it was only semi-functional, but there was a message saying their customer service office was closed, no explanation, and would reopen in XXXX! With no other option I copied an old bill, attached a check for the correct amount and mailed it off. This month I got a bill to the correct address, which I promptly paid. Today I got another bill sent to my wife 's name, to our old address, with a charge of {$25.00} for an " EARN TAX, '' and when I called customer service their automated line also had this amount identified and said it was PAST DUE. I sat on hold for about half an hour and finally talked to a customer service rep named XXXX, who was very cavalier and smart XXXX about the whole situation. I worked for XXXX for over 32 years, the last 10 years in XXXX 's Disaster Recovery line of business with the largest businesses and govt. agencies, including State of California for many years. I have a very strong suspicion GM Financial had a major failure or hack of their system and in the process of restoring loaded some bad tapes, at a minimum. I know that GM Financial has thousand 's of customers in California and all of them were victims. The customer service rep tried to guarantee me this would not hurt my credit and that the problem was fixed, but I have a low level of faith at this point. GM has a long history of taking short cuts that put their customers and not just financial but also physical risk. Shame on me for not remembering that before I leased a car from them. I do think this matter should be looked into at the highest level and proper action taken. GM Financial has failed their fiduciarly responsibility to their customers, their stock holders, and the general public.