23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX XXXX XXXX with XXXX XXXX XXXX called a family member of mine looking for me. They told her I owed a debt ( {$580.00} ) from an old bank account ( XXXX ) that had been closed in XX/XX/XXXX. They told her they were trying to find me to subpoena me to show up in court and sue me for the money. They also told her if I did not contact them that I would be arrested. I called Wells Fargo first and told them this. They told me I did not owe them any money. Wells Fargo fought XXXX several years ago. I then called the number that called my family member. They told me the same things they told her. I told them I know it is a scam and I will not be paying them.
Product: Checking or savings account

Discover Bank closed my joint savings account with no forewarning, provided no reason, just a " business decision, '' and will not generate the check for my deposited savings for a full 60 days. They are withholding all of my money for a MINIMUM of 60 days and they can not or will not tell me the reason or transfer me to someone who can. I am furious beyond words. Looking online, I see several other stories about a new overactive safety algorithm to detect fraud closing other accounts, but all we've done is submit two initial deposits, and I submitted an entirely legitimate workplace check while my workplace was verifying the account to set up partial the direct deposit into my Discover savings account. I had heard such good things about Discover and Discover 's customer service and I am absolutely crushed that I have to find a different company to work with after what I could frankly call a betrayal of my trust and what should be an ILLEGAL hold on my money.
Product: Credit reporting or other personal consumer reports

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Product: Credit card

Account was closed without notice I called and was told Id receive a letter which I never did Never got any update I called the executive response unit and they said they created a case Once again no update ever recieved Both my accounts were closed also lost any rewards and cashback I earned
Product: Credit reporting or other personal consumer reports

I had a medical school student loan which I had refinanced to XXXX XXXX XXXX XXXX XXXX. I had a terrible experience with the bank and the customer service. I immediately refinanced my loan out of that bank and the bank had stated they had charged off the remaining balance. The balance was paid in full before the charge off. This has affected my ability to get a car loan and mortgage on a new house.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

This so called  firm Selip and Stylianou LLP, tog ether with the  corrupt   XXXX   XXXX   XXXX , are trying to collect a  zombie  debt which is way past the Statute of Limitations of 7 y ears in New York State. I received a bizzare letter without any mention of the Statute of Limitation for debt collect nor the opportunity to dispute the validity of this claim. I do not owe anything and this company is trying  to collect a zombie debt.
Product: Debt or credit management

Ever since last year of XXXX  in between the months of XXXX I was reported for missing a payment that they didnt take out of my account. And due to that my credit was wrecked ever since. I just think its misleading to do the payment and then them not take it out of your bank account. They give you 30 days past the due date to pay before they submit it but I already knew that so thats why I tried to pay but. Nothing was ever actually taken out of my account at the time. My score has decreased significantly its actually insane
Product: Debt collection

Calls more than 6 times a day. I answered twice and let her know I was aware of what I owe. Please stop calling and then I hung up but they continue to call ( all day long XXXX to XXXX several times ).
Product: Debt collection

From the statr i was tricked into co-signing a car loan for a relative. I was told in 6 months i was going to be able to remove myself off the loan. I called Westlake Financing company and they told me i can not remove myself and that i wasn't a co-signer, i was actually the buyer. They do not have the signed paper work of my relative. Fast forward, the car got repoed so now im the one responsible and its hurting my credit, I told them and even have proof that the car was for a relative, I hava the bank statements showing that relative was the one making payments. The address they repoed the car car is proven to be that relative address, NOT MINE. So Westlake Financing Company sued me for the remaining balance of {$5500.00}. I have to make monthly payments towards the balance. I was informed they will reopen the account and report the payments to the credit bureaus. Westlake still hasn't open the account and hasn't reported the payments. I've called numberous time and has been transfered to different representative and given different numbers to call and no one seems to be able fix the issue or help me. This account is making a negative impact to my credit report and it does not even belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.After reviewing my consumerit has come to my attention that your office ( XXXX, XXXX and Equifax ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove XXXX. XXXX : Account number : XXXX, XXXX. XXXX : Account number : XXXX, XXXX. XXXX : Account number : XXXX, XXXX. XXXX : Account number : XXXX, XXXX. XXXX  : Account number : XXXX, In addition, your office is in violations of the following violations : 15 u.s code 1692g ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

15 u.s code 1681s-2 ( A ) ( B ) ( i ) ( ii ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors
Product: Credit card

So on XX/XX/2024, he says, Im the highest person youre gon na get when it comes to speaking to a manager. Shame on the lady who clearly lied to me when she said that I would have a good rapport with their bank because it happens frequently, and they have to understand our economy is failing by the day, by the hour, by the minute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Reached out but no answer
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number ( XXXX XXXX ), Consumer Date of Birth ( XXXX XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 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 XXXX XXXX  and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX auto loans accounts opened at Regional Acceptance on XX/XX/XXXX under account number ( XXXX ) and XXXX XXXX XXXX XX/XX/XXXX under account number ( XXXX ) and XXXX personal loan accounts at XXXX on XX/XX/XXXX under account number ( XXXX ) and Upstart XXXX XXXX XXXX XXXX XX/XX/XXXX under account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and had 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. I have attached a copy of FTC XXXX XXXX XXXX XXXX ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of XXXX XXXX and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hawaii bank keeps checking my credit as well as changing the amount on the charge off. From XX/XX/, to XXXX XXXX  they added XXXX dollars to the charge of amount. The currently keep checking my credit and it shows multiple accounts open. The account states that it has been closed, someone keeps reopening and re reporting and I am tired. This seems like harassment at this point.
Product: Credit reporting or other personal consumer reports

I have auto loan hard inquiries by XXXX XXXX via dealer on XX/XX/year> and XXXX XXXX on XX/XX/year> while I was XXXX after a car crash the month before. Im asking for them to be removed because they are inaccurate and not mine.
Product: Credit card

I was a JCPenney Synchrony Bank customer since XXXX. I was a good customer and ALWAYS paid my bill. I had fraud charges on the card and reported it in XX/XX/XXXX and they disconnected my account and I decided to go with another company for my new card. I have had a few issues with fraud but mostly Customer Service with JCPenney. I had not rec 'd my refund of - {$71.00}, so I called them again on XX/XX/XXXX. During this call I was told by the rep ( XXXX I believe around XXXX ) I would not receive my refund until I requested to receive it!?! He submitted the request and said 7 to 15 days and I should have the refund. I advised if I had not rec 'd by XX/XX/XXXX to call back. Today, XX/XX/XXXX, I still have no refund! So, I called them and escalated 3 times ( XXXX, XXXX, XXXX, have to wait 7 business days for a call back from XXXX 's XXXX ). My question is how long do I have to keep waiting 7 to 15 days for them to process and mail a check? How much interest will I be receiving on my money they have had for over 4 months? If a customer doesn't pay on time they have a fee to pay! Why is their customer service so poor? Why does their automated system force you to enter your whole SS # when you don't have an acct with them before you get a rep? I am past irate with them but do not think I am asking too much!
Product: Checking or savings account

On XX/XX/year>, I missed a call from SoFi asking for a call back at XXXX. 

On XX/XX/year>, I noticed that my SoFi checking account has been restricted, and I could not access the money in the account. This is a joint account between my husband and I. After noticing this, I called SoFi to ask why the account has been restricted. They told me that it was a violation of guidelines, and my account was under internal investigation. 

I kept calling back on XX/XX/XXXX and XXXX to see if there are any updates regarding the investigation. Every agent told me that all I could do was to wait for the internal investigation to be over and that they will call me when it was over. The only information that I was able to get out of them was that my account was restricted due to my husband 's direct deposit ( from a XXXX  party ) was deposited under my account #. SoFi let me know that although we have a joint account, the account # is different for the XXXX of us. So the deposit ( with my husband 's name ) being deposited under my account was a violation of agreement. 

They never called me ( after the initial call on XX/XX/XXXX ) to verify or clarity any information with me. I was the one that had to continue to call to figure out why my account was restricted. All they are saying is that I need to wait until the investigation is over, and they won't even let me know how long this process will take. I still don't have access to the money in the account, and is left wondering when things will be resolved because SoFi will not provide any additional updates.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a fraudulent account, errors, multiple names on my credit file that do not belong to me, i called and Experian multiple times and couldn't get any one to help resolve the problem. 

experian is reporting a fraudulent account called SO XXXX XXXX for {$130.00} from a company i've never done business with, i never signed a contract or gave permission to that company to access my social security number or personal address. 

Experian is reporting misspelled names or some one elses name on my credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I checked my report recently and I found accounts that I do not know, I do not recognize them and I am not connected to these items. Can you please review and validate the information? As I think I am identity theft victim because the information that is reported in my profile is absolutely wrong and I disagree with this situation. Please check and delete them from my credit report.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 have been sending request to Experian and XXXX since last year and I'm not receiving responses from the credit bureaus. I sent investigation requests on XX/XX/2020, XX/XX/2020, and XX/XX/2020. I even decided to send it certified after the non responsive attempts. I have proof they even received my last letters for an investigation and I'm not hearing anything. I attached the notice of delivery. This is a blatant violation of my rights and I shouldn't have to continue to have a hard mark on my record because they couldn't verify in the time given.
Product: Credit reporting, credit repair services, 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. 

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 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

On XXXX XXXX I started a dispute with XX/XX/XXXX to have my late mortgage payments from XX/XX/XXXX-XX/XX/XXXXto be removed. They removed all mortgage payment history not just the late payments. In XXXX of XX/XX/XXXXI filed bankruptcy and didn't reaffirm my loan so I understand why its not reported after XX/XX/XXXX. I have called my mortgage co., Bank of Oklahoma, and the bureaus to get my history prior to filing bankruptcy put back on to no avail. My score dropped over 70 points and am being given the runaround every time I call. I just want my old history back on my report and no one will help me. I'm trying to improve my credit and this has set me way back. Please help!! 
Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian will not freeze my credit report online despite entering all the required information asked by their website. 
I also tried their phone number to freeze my credit report without any success. 
They would like me to send the information by snail mail which is highly inconvenient. 

I did not have any problem freezing my info with XXXX and XXXX. 
I believe Experian has purposely made it hard so that consumers are forced to subscribe to their paid subscription to lock credit. I am sure they are violating some consent decree by making it impossible to freeze my credit report online.. 

It is extremely annoying that Experian makes money on my credit and makes it harder for me to control it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I took a look at my XXXX XXXX credit report, and find Im charged for a loan from preferred lease, And I was like what the heck because In XXXX of last year XXXX  I had applied for a personal loan for a laptop at XXXX through their provider, preferred leasing, however I never ended up signing a contract or picked any sort of lease to own plan nor left the store with any product that day, just wanted to see my pricing options so I had decided to buy a laptop on sale at XXXX instead and forgot All about it. look on my credit just a few days ago to find Im charged over XXXX XXXX dollars for something I never purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this matter with experian for the last few months. i informed experian about these accounts. Im not sure whats going on with their dispute center but theres been a lack of investigating. The account Im referring to is XXXX XXXX acct # XXXX {$300.00} THIS IS NOT MY ACCOUNT. I've attached my affidavit and im asking for a removal of the account from my credit report.