23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been reached out to so many times by Harris & Harris debt collection for a medical bill that should have been processed by my insurance company. I already called my insurance company and they informed me that all claims were reprocessing. I don't understand why I have a collection agency reaching out about a {$360.00} debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a debt validation letter to XXXX XXXX XXXX regarding an account ending in XXXX, with a balance of {$37000.00}, originally from UpstartXXXX Bank XXXX To date, they have not validated this debt. Despite my dispute, XXXX continues to report this debt as accurate. I request XXXX XXXX XXXX to cease all collection activities and report the debt as " Paid in Full, On Time '' to all credit reporting agencies. Additionally, I request XXXX to update my credit report accordingly and to notify any company that accessed my credit report within the specified timeframes.
Product: Debt collection

I received 3 return packets from XXXX. I opened one and saw they were phone return packets. I found XXXX 's fraud reporting phone number and tried to contact them, but only received automated messages. (XX/XX/2018 ) I went to XXXX store at XXXX XXXX, XXXX XXXX and told them of this fraudulent activity and asked to check the name as spelt on the envelope " XXXX XXXX '', note not same as my name. They could not find anything, and said they could take any fraud discovery or fraud report information. So I mailed back these packets with notes on Fraud activity. 

Later I complained on CFCB about collection agent hired by XXXX, and now an even more abusive collection has been hired by XXXX. 

( Saturday XX/XX/2018 onwards ) I have been getting many calls from Diversified Adjustments, and I told them that I have reached out to XXXX numerous times. But they still threatened me with consequences. Previous history below ( resolved with XXXX ) I checked the Fraud website on XXXX, and noticed it was too complicated, and asking me to reveal lots of personal information. While in the meantime I am not able to reach any human at XXXX. The web reports on Fraudulent department at XXXX were also bad.
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 Account Number : XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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: Debt collection

received an email from Hunter Warfield LLC a collection company XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX saying I owe them XXXX with no details as to what the bill is for. When asked what it was for they wouldn't tell me and have not replied to me to date. they said it was from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AL XXXX XXXX XXXX and when I asked them what the bill was for they would not tell me. 

Have not received any reply from ether company. I believe they still owe me money XXXX XXXX XXXX XXXX still owes the credit card company money as of today and I believe they are being investigated for fraud by the federal authorities.
Product: Checking or savings account

I recieved a letter from Wells Fargo saying I was enrolled in a credit defense program and I may not have authorized it. I called the number saying that Id never sign up for anything like that and they offered a refund of the amount I had paid each month and asked if that was ok. I responded saying Im not sure because it was so long ago and wasnt sure exactly what the impact was. They immediately offered a higher number of {$250.00} which I agreed to. They told me Id receive the check in the mail within 30 days and if I didnt to call the number back. That was XX/XX/XXXX. I called last week because I had not recieved anything and they told me it should be in within the week, if not call back. I called today and they told me it has not been processed and when I asked how long they said they didnt know, nor could they give me a time frame in which to follow up again. They told me Id have that money by today and now I cant even plan a later date because they cant give it to me. Since this was promised by a bank I thought Id be able to trust it and now its set me back on my finances.
Product: Bank account or service

On behalf of the XXXX+ customers who had their personal information exposed as a result of vulnerabilities within Scottrade 's security systems, I kindly would like to inquire : Why did Scottrade ignore the following warnings about inadequate security systems? 

The various police/tracking numbers include : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXXCFPB-CFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXX Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXOCC Case Numbers-XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXScottrade 's failure to appropriately investigate the above referenced complaints and law enforcement reports lead to the exposure of personal information of XXXX of customers. 

I am requesting that the CFPB publish this complaint on consumerfinance.gov so that others can lean from my experience. I respectfully request, that Scottrade also provide a public response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX First Advantage ran a background check on me and reported outdated information ( over 7 years old ) to my prospective employer, XXXX XXXX. 

In the copy of the report I received the search period was conducted from XX/XX/XXXX to XX/XX/XXXX. The case they reported was settled on XX/XX/XXXX and is currently going through the expungement process. Since this case was settled outside of the 7 year reporting period it should not have been sent to my employer. I have not had this charge show up on a background check for several years until now.
Product: Debt collection

THIS ACCOUNT WAS A CHARGE OFF AND DEBT PAID IN FULL (  XXXX  ). i WAS PROMISED THAT WHEN THIS DEBT WAS PAID THAT IT WOULD BE REMOVED FROM MY CREDIT REPORT. DEBT WAS PAID  XXXX / XXXX / 17 . I HAVE CONTACTED THE COMPANY REPEATEDLY AND THEY INFORMED ME THAT THEY WOULD SEND OUT A LETTER TO THE CREDIT REPORTING AGENCIES TO HAVE IT REMOVED FROM THE AGENCIES BUT IT STILL HAS NOT BEEN REMOVED. I JUST KEEP GETTING THE RUN AROUND AND THEY KEEP INFORMING ME THAT THE LETTERS HAVE BEEN SENT. PLEASE HELP ME REMOVE THIS FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 personal credit card account opened at XXXX XXXX XXXX XXXXXXXX, an account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 fraudulentitems. I do not recognize the aforementioned 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 
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 or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : Personal Infomrmation : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX : XXXX XXXX Employers : XXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I pulled my credit report making sure everything was accurate on my credit report and I noticed there were some addresses and date of births that does not and has never belonged to myself. I submitted complaints to Transunion, XXXX, and XXXX expressing that they are reporting INACCURATE information onto my credit report, and I have gotten no response..
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have worked very hard to restore and repair my credit and my life which was in bad shape after a divorce situation in XXXX. I have succeeded in doing so and currently have a reputable XXXX credit score. I am very particular about paying my bills on time and never do anything to damage this credit I worked so hard to restore. 

With that in mind, I believe The XXXX XXXX XXXX has taken advantage of me and defrauded me of XXXX dollars in the process. 

I received a phone call XXXX from a " Private Number '' and was curious to see who it was so I answered the phone. The man told me there was an urgent pending legal matter filed against me. He said he was a " process server '' and could not give me any specifics about the case. Offering no specifics on my inquiry about the matter, he then told me I could call a number, however, and he gave me XXXX and a case number XXXX. He said I had ignored attempts to reach me ( and was not specific about how ) and that as a result a law suit was filed. 

When I called the number, I said my name and the case number. The man said I was negligent and not a responsible person obviously because I kept on ignoring their attempts to reach me. I received no attempts via US Mail and I received nothing else referencing this matter. He was extremely aggressive, rude and threatening. He told me I had five hours to " fix this and pay. '' Honestly, it worked because I was intimidated that according to him they could freeze bank accounts, seize personal property including my car. It scared me and I reacted asking him to please send me at least a description of the debt. He complied and sent a letter with the apparently a Chase debt I didn't specifically recall. 

After over twelve years has gone by, I remembered that there was a credit card that my former wife and I had that may have been a Chase card as he said. At that point I thought that it must have been unresolved and to avoid any problems in my life, I agreed to pay the amount. I used a XXXX XXXX credit card to pay the amount of XXXX. 

After the fact, I did some checking at the urging of my son, to see if I had made a mistake. To my chagrin, XXXX XXXX came up in searches on XXXX as a notorious illegal " XXXX '' debt collector. Upon further investigation I realized that they had broken the law by not notifying me by US Mail, and that the Texas Debt Collection Act says that it is illegal to collect a debt more than four years old.
Product: Student loan

I have overpayments being directed to my lowest interest loans instead of my highest interest loans, which is contradictory to my overpayment Directions. This is causing me to not get the full benefits of my overpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

Inquiries 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/XXXX Different platforms are showing different account. I listed all of them.
Product: Vehicle loan or lease

I purchased a vehicle in XXXX XXXX XXXX  through Commerce Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The dealership where I purchased the car did not put the transmission plug back in the vehicle there for after many months driving with no tranny fluid, the car blew up. Dealership would not take responsibility since I bought " as is '' and eventually I had to let the car go " repossession '' as I could not afford to fix the car, it was cheaper to just find another car Commerce Bank contacted me only one time ( right after taking the car back ) and told me they were just closing the account because they could sell it at auction for close to what I owed and that nothing further needed to be done, and I believed them as nothing came up on my credit this entire time. I do not remember who I spoke with since this was so so so long ago, Seven years ago! 
Fast forward seven years ( and two paid
off cars later, I am not sure how I got loans for those two vehicles no problem! ) I went to go by a newer car and got denied because all of a sudden the car from Commerce Bank in XXXX is now " charged off ''. I was NEVER contacted by phone or mail that this was happening and that they were selling the loan to a debit collector and that I now owed money. I was never even contacted by a debit collector that I needed to pay it ( when you pull my report it doesn't even say who I need to contact debit collection wise to get it taken care of, just says unknown so I cant even name who else is involved ). I had no idea about this until I was trying to purchase another car just last week and it happen to show up on my report the day I put an application in. Seems suspicious and weird to me that after SEVEN years it is now all of a sudden there, when I was told it was taken care of. 
I do not agree with this and feel this is very unfair! I should have been contacted within a week after Commerce Bank took back the car and decided the car was going to be charge off not just closed. Its been many years! I has been SEVEN years since I let that car go! Had they contacted me in a timely manner I could have tried to make a payment plan with the debit collectors or something, now I can not as I need a gas saving car. But seven years ago I could have handled this Thank you for your time and attention to this matter
Product: Checking or savings account

Last week I have called Bank of America advising them of activities emailed to me of my account. They reset the online ID and PW. On Monday, XX/XX/18 our pay was wired into our account around XXXX pm and around XXXX pm someone logged into my online account, created a safe pass with their number, created a transfer account, transferred {$800.00} from my saving into the checking and self wired same day {$1900.00}. The recipient address is in XXXX. I found this out when I logged into my account the method I always do, via my app using my TouchID fingerprint, and noticed the incident. I reset my ID, and PW again, called the bank at XXXX am on XX/XX/18 and closed my accounts With all the alerts I have set up for my account, I never was alerted or flagged that a safe pass was created, another computer accessed my account or never done a wire same day transaction. They not only breached my account but the bank security feature and they won't take responsibility. I have to wait 10 days for my funds to get back according to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union XXXX XXXX XXXX XX/XX/2023. I didn't not apply for anything nor gave anyone authorization to apply for anything on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX  is deliberately circumventing sending me proof of accuracy that I keep reporting incorrect on my credit report. This incorrect information is ruining my creditability. After sending certified mail to each of these credit bureaus addressing my complaint and asking for disclosure documents of each said debt and whom each bureau contacted for this information being reported as correct. In reply, XXXX  and XXXX  mailed me a letter stating that they can't find a credit profile on my name and to send more verification to better assist me. I sent all the proper information and identification with my certified letter so I don't understand why they can't find a file on my name, especially when someone is reporting to my credit every month.
Product: Mortgage

I have had PennyMac as my mortgage company for over 2 years and they are consistently not paying my taxes. Money is coming out of my account in escrow each month. Most recently I called on XX/XX/2017 after I received a late notice from my tax collector. They said they would process for payment. A month later I received a judgment from my township because my taxes were n't paid. A customer rep said a payment was made for {$1300.00} on XX/XX/2017 - nearly 2 months after I called. This does not include any late fees. I 'm appalled this continues to happen. I 've asked them to please remove the {$220.00} PMI fee that I pay them to insure my monthly payments are made. What assurance do I get my taxes will be paid?
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address numerous unauthorized credit inquiries that have appeared on my credit report without my approval or knowledge. These fraudulent inquiries have negatively impacted my credit score and caused considerable concern.
Product: Credit reporting or other personal consumer reports

Happened multiple times when I file a dispute and they fail to investigate it. My credit was at XXXX and has failed drastically due to reportings that were improper.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out numerous times with this company and they are still adamant that I owe them money. According to the bill I received, they are charging me for services at an apartment I have not resided in since XXXX. I want this resolved.
Product: Credit card or prepaid card

I have multiple credit cards issued by Citi bank that I have been using for more than a decade. I have been a good long standing customer with Citi and they have treated me well until recently when one of my credit card was cancelled without prior notification. I found out that my card was cancelled in a embarrassing way when i tried to use the card for a purchase and it was denied. When I called the card service I was told bank has no obligation to tell the customer when they cancel the card. As per agreement they have the right to cancel it without any notification, and they deliberately made this policy not to inform the customer in cases like me where the reason for cancellation was simply the card was not used for long time. At my end since I have multiple cards didnt keep track of usage of each card besides there was no information provided upfront that my card will be cancelled if not used. With cancellation of this card my credit limit has reduced and dont wish to open new card since I dont want to hit my credit score. My concern and reason for complain is I am a good customer with perfect credit score, no risk to the lender and yet my account was closed without prior notification, or giving me opportunity. I came to know about the cancellation in a embarrassing way.