23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XXXX/XXXX/XXXX XXXX from XXXX XXXX XXXX contacted my employer and then contacted me on my cell phone to adivse me of an out standing debt owed to a XXXX XXXX i adivsed him im having problems with my insurance carriers and he threatned to get XXXX lawyer to sue me, he also stated if i dont pay he was going to report me to all of the credit bureaus. i went on to to advise him that i was tryin to work with my insureance and HR department to rectify the issue, he stated he is still going to contact a lawyer phone number was XXXX XXXX
Product: Vehicle loan or lease

I have been a victim of XXXX XXXX and someone has been running around trying to obtain credit form these companies. 

Dispute this Address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XACTUS Dispute this Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XACTUS, LLC Dispute this Address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date of inquiry XX/XX/XXXX FACTUAL DATA Dispute this Address XXXX XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  9XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been checking my credit for accuracy and found account in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up under the Trans Union website under the understanding I was establishing a login so I can turn on and off my credit freeze. I was mysteriously signed up for their credit monitoring service with absolutely no indication. I have been charged a monthly service fee that I was completely unaware of. This process is borderline predatory, a scam, and at the minimum unethical
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX CREDIT ACCEPTANCE Account # 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 this account is reporting open and closed at the same time, how can that even be possible account is report 120 days late and also 180 days late at the same time, how be that be this you your violating my rights Account is reporting inconsistent and inaccurate information you are alleging the negative claims still yet have NOT provided proof of truth, correctness, timeliness, and or else wise adequate COMPLIANCE to all laws protecting consumers. 

I HAVE CONTACTED THIS COMPANY NUMEROUS OF TIMES TO RESOLVE THIS PROBLEM AND THEY KEEP CHANGING MY CREDIT REPORTING EVERY COUPLES WEEKS BUT NOT SOLVING THE PROBLEM I HAVE ALSO REACHED OUT TO ATTORNEY GENERAL PLEASE REMOVE ENTIRE ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

Dear PRESTIGE FNL, I am writing to formally address a serious violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant laws governing identity theft and credit reporting in XXXX XXXX XXXX MO. 

It has come to my attention that PRESTIGE FNL has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, the consent of the consumer is a mandatory requirement for such reporting activities as stated in Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, particularly under the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. The Missouri Fair Credit Reporting Act outlines similar protections, ensuring that consumers are not subjected to unauthorized reporting. Furthermore, Missouris identity theft laws highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent for PRESTIGE FNL to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a disregard for both federal and state laws. 

I demand that PRESTIGE FNL immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including those related to identity theft. 

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, which are designed to protect consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and anticipate that PRESTIGE FNL will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

Credit inquiries that I did not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit card

On XXXX XXXX I paid my bill and it confirmed that I paid I checked a week later they still havent took money from my account so I called them the lady stated that everything was resolved but it wasnt they end up closing my account and adding all interest charges late fees and all other things was going on with the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in multiple violations of my consumer rights as defined by the United States Congress in 15 U.S.C 1681.

Do not write me back telling me this is not me. This is in fact me and some consumers actually know and study the consumer laws.

My information was compromised in the XX/XX/XXXX Equifax Data Breach and I have made that very clear to Equifax.

I have 3 unauthorized, inaccurate, and fraudulent hard inquiries that may have been a result of attempted identity theft. I did not grant anyone written permissible purpose as defined by 15 U.S.C. 1681b.

The three companies are : XXXX XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have spoken with the following reps with their Equifax ID # s provided below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and about 2 or 3 other reps just today alone. 

All of these reps have hung up on me, even while having the phone call recorded on my end for an attorney to listen to. I have communicated to them multiple times that they were being recorded and I have them recorded saying that it is an " internal policy '' that they don't talk to anyone that is recording a call when Equifax records every single call. I have asked them what Federal law requires them to hang up on me and no one has been able to give me a law because that XXXX XXXXXXXX. 

I have been told that my SSN does not bring up an account for those with the hard inquiries so I should contact Equifax to have those removed and Equifax refuses to budge. They willingly continue to break the law and they do not even add in files that I have sent to have on my record. 

These inquiries, including soft inquiries, need to be removed IMMEDIATELY! They are not linked to any account and they are unauthorized, attempted identity theft, and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been trying to get a credit report from Equifax since XX/XX/2020. We have faxed our documents 3 times, but Equifax is refusing to release our credit report. They are claiming they never received the documents, but we have proof of all three times the documents were sent. We can not get our home loan without this credit report. We are about to lose our contract with our home offer because of this. The other 2 credit bureaus released our credit report with no issue, so it is only Equifax. 
We have called customer service over 5 times, and all they say is they haven't received our documents.
Product: Debt collection

On XX/XX/XXXX, I sent a letter to Caine Weiner asking them to validate the debt. As of XX/XX/XXXX Caine Weiner have fail to respond and they have also fail to update my consumer report that this debt have been disputed.
Product: Debt collection

Repeated robo calls from XXXX saying they are CBE and that we owe money. We have money and pay all our bills on time. They asked my husband for the last 4 of his social security number and would not tell us who we owe money to. Very fishy and a bad situation.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Credit reporting or other personal consumer reports

have not authorized the following inquires and I need these items removed immediately from my Equifax report. None of these inquiries appears on any my other reports. XXXX XXXX, XXXX - XX/XX/XXXX
Product: Mortgage

Escrow is always short and i have added thousands to it and mortgage payment keeps you going up. My payment went from XXXX to XXXX. My taxes went up to XXXX XXXX from XXXX but after continuing adding money my payments continued to rise. I have a 30 yrs fixed mortgage. So why has it changed is the question I would like answered and why am I always short in my escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of reviewing my consumer reports and noticed many inquiries not authorized or do not recognize. 
This includes : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681e - Compliance procedures states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete for the consumer report for violating compliance procedures. 
Thank you in handling this matter.
Product: Money transfer, virtual currency, or money service

The person posted on her/their XXXX  page i believe it was XX/XX/XXXX that a company was giving up to XXXX away if we commented under post she would send us details. I did and at first it was just XXXX that we needed to send her and then we would receive the money I did do it but thing just escalated and kept requesting more and more when I attempted to stop that she told she would go to jail and she would get in trouble and i felt bad so i continued, In total i believe i sent her {$7200.00}. I even deposited a check she told i would recieve in the amount {$22000.00} and after i did i had to send her more and then the check was refunded and I lost everything i send it her plus whatever was taken out due to the check. So now i'm in debt with my bank.
Product: Credit reporting

I stared XXXX dental treatment in XX/XX/XXXX. The doctors office suggested I use Synchrony Bank to pay for the treatment even though I was going to pay cash and so they went through the process. The Dr. however scammed me and never finished the work and even caused additional issues and I am currently suing him. I stopped paying the debt because according to Synchrony Banks retail agreement that they gave me " if you are dissatisfied with the goods or service that you purchased with your credit card, and you have tried in good faith to correct the problem with the provider, you may have the right not to pay the remaining amount due on the purchase ''. I did try in good faith many times and made Synchrony Bank aware, but instead they added interest on the account to bring the amount to more than double of what the balance was which was only {$1000.00}. This happened after speaking to one of their representatives who told me not to worry about the apr going up because I was in the middle of suing the DR. so the apr would not go up which was completely false information. I have written letters to them to the address they gave me SYNCB C/O Card Services XXXX FL, XXXX and they do not respond. The last 2 letters were sent XX/XX/XXXX & XX/XX/XXXX with absolutely no response. I emailed them and also received no response. They are damaging my credit by reporting the account to credit agencies and this needs to stop. They have thousands of complaints against them online. 
Care Credit Account # with Synchrony Bank is XXXX Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This is an urgent matter concerning a violation of my privacy and requires immediate attention. In order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft. Thank you. Exhibit ( s ) provided. 


Per my own investigation and the investigation conducted by the other credit bureaus it has been proven that this debt is false and in violation of my privacy. As the beneficial owner of said account with your company, I trust that my demands will be met with ease and these accounts will be removed immediately. This is my second attempt to remove these accounts from my consumer report. The initial 30 days has succeeded and the following accounts still remain on my consumer report. 

1. XXXX XXXX XXXXXXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. US DEPT OF EDXXXX 6. XXXX XXXX XXXX The accounts listed above are in violation of my privacy according to 15USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. According to 15USC 1681A ( 2 ) ( b ) these accounts should have never been in your system, or my location information shared. This is a willful violation that I am willing to forgive for the completion of my request. Federally Protected Consumers have a right to privacy pursuant to the Privacy Act of 1974. It is my duty to protect my name, if an investigation is performed, it must be impartial and performed according to 15USC 168 ( i ) in its entirety. If this can not be provided these accounts are to be remove immediately. If you fail to comply, I will be forced to report to the CFPB and other regulators. Thank you for your assistance and cooperation in this matter. 


By : XXXX XXXX XXXX, consumer
Product: Debt collection

I learned in XXXX XXXX that a debt collector named Portfolio Recovery Associates , LLC obtained a default judgment against me in XXXX XXXX XXXX ( CA ) XXXX XXXX in XXXX ( Case No. XXXX ). I was never served with the summons and complaint. I learned of the judgment when I was contacted by XXXX XXXX sheriff on a judgment levy. I then got records of the court case. I learned that PRA claimed to have served me personally on XXXX XXXX, XXXX at an address I had not lived at or had any connection to since on or around XXXX. The process server that claimed to have served me, XXXX XXXX, has a history of false declarations of service. Additionally, I obtained documents from the court including PRA 's declaration and request for entry default judgment that I believe are false. Although I believe I might have had an account with XXXX Bank at some point in the past, I do not believe I owed a debt for the amount demanded and I do n't have any reason to believe that I owed PRA anything at all on this account.
Product: Credit reporting or other personal consumer reports

I have requested multiple times to have my credit report updated to show the correct information on my credit report and to also supply the information they used to decline my dispute request and continue to report incorrect information
Product: Credit card or prepaid card

I had a XXXX at Fifth Third Bank ending in # XXXX. I identified a fraudulent transaction posted to my account on XX/XX/22 from XXXX XXXX  for {$49.00}. I called Fifth Third Bank and had the card blocked, closed, and disputed the transaction. They moved my balance to the new card including the fraudulent transaction! On XX/XX/22 they posted a XXXX XXXX to # XXXX and credited my new XXXX ending in # XXXX. They left the {$49.00} transaction on the old account # XXXX and showed the {$49.00} past due on the old account. I can not get them to zero out account # XXXX and they continue to report it to the credit bureaus! I have spoken with two Branch Management teams and requested they correct this, but neither one has corrected it. I have never been late making a payment! Please request they correct my old account to be closed due to fraud and show the balance to be XXXX! Thank you!
Product: Credit card or prepaid card

Please note I have closed my credit card XXXX XXXX XXXX MASTER CARD back on XX/XX/2020 by calling customer service then called again on XX/XX/2020 and also sent an online contact us feedback form to have it closed. There was an annual fee of {$99.00} charged on XX/XX/2020. You are given 60 days within the fee being accessed to close the card and have the fee refunded. When I called they confirmed account closure as well as fee of {$99.00} reimbursement. To this day i still havent received my refund as promissed and the amount got deducted feom my bank account. 

The comoany committed a fraud. 
Please help me resolve this issue with the XXXX XXXX XXXX Master Card. 

Thank you very much, XXXX XXXX XXXX. XXXX  XXXX XXXX, ME XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested that experian display my proper legal name and current address on my credit report they have multiple incorrect variations of my name and address and they refuse to display accurate information.
Product: Credit reporting or other personal consumer reports

I spoke to a representative and they said once it was paid, they would let the credit bureaus know and it would be deleted from my credit reports, all three. It has not been deleted, only shows XXXX balance. I am trying to buy a home for my children and I and would love help getting this deleted off my credit reports. Please help. 

Thank you
Product: Debt collection

I have sent a letter to this firm on a debt to XXXX, XXXX XXXX XXXX XXXX XXXX. To please send me the information on this dept, ( as per the sample letter you provide. The letter was sent Certify mail. So I can obtain proof of my actions within the thirty days. They have returned a reply, with a some papers that was looked up online. No original signatures, No Statement of last activity of the account. they stated its a judgement, but not on my credit report. ( SOL must of ran out, if it was on their ). I will send them another Certified letter again but highlighted with info required and have it notarized. I will also give them a order to stop until proper info has been provided on this debt. That I will take full legal actions against their firm in the state of XXXX.
Product: Debt collection

Admin Recovery LLC repeated phone calls to me trying to get a message to my sister who owes debt. They called me on 3 separate occasions. The last time they called me was from phone number XXXX and only 10 minutes after they called me from their other phone number. 

They kept calling even after I told them the first time that I do n't keep in contact with the debtor. I would have told them to stop calling me and that I do n't keep in contact with the debtor the second time ( less than a month after their fist call ), but they hung up on me mid sentence. 10 minutes later they called me for the 3rd time. So I decided to file a complaint. 

They are calling family members multiple times over a debt of a relative.
Product: Credit card

I am writing to formally request your assistance in resolving a discrepancy regarding missing bonus points from Chase XXXX offers that I enrolled in using my Chase credit card. 
I activated and enrolled in the following offers : Offer 1 : Earn {$100.00} cash back on your Chase XXXX purchase when you spend {$500.00} or more, including taxes and after any discounts ( see attached XXXX ). 
Offer XXXX : Earn XXXXXXXX XXXX XXXX when you purchase a hotel stay through Chase XXXX with a total spend of {$400.00} or more in a single transaction ( see attached XXXX ). 

On XX/XX/2024, I made a qualifying purchase of {$500.00} using my Chase credit card through Chase XXXX. While I successfully received the {$100.00} cash back from Offer XXXX, the XXXX bonus points from Offer XXXX have not been credited to my account even after waiting the required XXXX period following the transaction ( see attached XXXX ). 

I contacted Chase Customer Service regarding this issue, and I was informed that I would need to make another separate purchase to qualify for the second offer ( see attached XXXX ). However, I thoroughly reviewed the terms and conditions of both offers, and there is no mention of a requirement to make separate purchases to qualify for both. 

The only reason I chose to shop with Chase XXXX was the combination of these two promotional offers ( their website price is higher than the market ). I feel misled by this lack of clarity in the terms and am requesting that the XXXX missing bonus points be credited to my account promptly. 

For your reference, I have attached screenshots of the offers, my qualifying transaction, and Chase 's response. Thank you for your attention to this issue. I look forward to your prompt response and resolution.