23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CREDENCE RESOURCE MANAGE keeps adding this fraudulent debt account to my credit file. This fraudulent debt collection has been removed from my account and some how this company keeps adding this account to my credit file causing my credit score to drop.t name CREDENCE RESOURCE MANAGE Continues to harass me with unwarranted contact or communication via my credit accounts with XXXX XXXX XXXX XXXX please remove this from my credit file causing.
Product: Bank account or service

My accounts have been charged overdraft fees for several years without my consent into the program. When I learnt of the Cfpb rule on this practice, I contacted the bank to show me the single page opt-in consent form that I should have signed according to the cfpb rule but they could n't 3 weeks after I presented the issue to them and up to their legal department and several trips to their local branch office. 

I want the bank to refund all monies that is owed to me through these unauthorized charges since the opening of both accounts.These accounts were both checking and savings, only one option is being allowed in the drop- down field below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company had incorrect address didn't receive bill reporting on closed accounts
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( wont disclose acct number ) 15 U.S.C 1681 section 602 A states i have 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 reporting 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding a derogatory account on my credit report that I believe is not mine. The account in question is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I dispute the accuracy of this information and assert that I have no affiliation with this account. The following reasons support my dispute : 1. **Identity Theft : ** I have reason to believe that this account is a result of identity theft. I did not open or authorize this account, and I have no history of financial transactions with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

2. **Verification of Account Ownership : ** I request that XXXX XXXX provide clear and conclusive evidence verifying the ownership and validity of this account. This may include documentation such as account applications, transaction records, or signatures associated with the account. 

3. **Resolution of Dispute : ** As the reported account is not mine, I request that XXXX XXXX promptly remove this derogatory account from my credit report. Additionally, I request clarification on the circumstances surrounding the reporting of this account and any actions taken by XXXX XXXX to address the disputed information. 

4. **Protection of Credit Report : ** I request immediate steps be taken to protect my credit report from further damage resulting from this fraudulent account. This includes ensuring the removal of any inaccurate or fraudulent information and preventing unauthorized access to my credit file. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address the inaccuracies in the reporting of this account. Specifically, I request the following : - Verification of the validity of the reported account and confirmation of identity theft. - Correction of any errors or inaccuracies in the reporting of the fraudulent account. - Provision of assistance and guidance on steps to take to mitigate the effects of identity theft and protect my credit. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution and the correction of any inaccuracies resulting from identity theft. 

Sincerely, XXXX XXXX
Product: Debt collection

USI solutions, inc from XXXX PA sent me a letter and called my house several times, claiming I have an account which is overdue. I ignored the phone calls. When I received a letter today, I checked my credit report and I called the bank associated with the dept and made sure I am not responsible for this account. I believe this is a scam. This company wants me to call them so they can get my information.
Product: Credit reporting or other personal consumer reports

I went into the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to discuss my XXXX mortgage payment. I hoped that arrangements could be made regarding the XXXX payment only. I was trying to avoid 30-day late penalties for consecutive months. As the date I receive my retirement pension falls after the XXXX of most months. I knew if this was a possibility I would certainly be able to make my regular payments on time beginning XXXX. 
I sat down with XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and shared this concern with her. She then called the Mortgage Servicing Dept via speaker phone. We shared with XXXX ( Mtg Servicing Rep ) the concern. XXXX stated that the XXXX payment would be spread out over six months. I agreed to pay {$140.00} plus regular payment amount of $ 889 monthly for 6 months. Which I did. There was no mention of having to pay the late fees. 
The very thing I tried to avoid has happened. Included with my XX/XX/XXXX statement, due XX/XX/XXXX was a late fee charge of {$27.00}. As you can see on the attached statements no late fees were noted prior to this statement. I called and spoke with XXXX on XX/XX/XXXX in regards to the fee to no avail. I called again on XXXX, spoke with XXXX in Collections, XXXX in Mortgage Servicing to no avail. I was told there wasn't anyone else I could speak with. The bank is aware of the agreement and there are notes in their file. Im not sure why the bank didnt abide by the agreement. Perhaps it was due to a lack of training. While I didnt receive a written agreement, I thought it would be ok as the bank official XXXX XXXX XXXX the agreement as I did and she is just as concerned as I am regarding this issue. XXXX has made as many calls as I have concerning this. As a result of this reporting now showing three month late on my credit report and one of my credit card accounts has been closed. I would have sought other options had I known it was going to be like this. My plan was to avoid having negative reporting on my credit report. I have disputed the fee with Experian
Product: Credit card

My Best Buy Visa credit card issued by CITI Bank North America was used by person ( s ) unknown to me to make unauthorized purchases totaling over {$4600.00} between the period XX/XX/XXXXXXXX  and XX/XX/XXXX. I disputed the fraudulent charges. However, Best Buy Credit Services is holding me responsible for a {$800.00} and {$1300.00} charge to an entity called XXXXXXXX XXXX that I did not make or authorize. During the same period that the fraudulent charges were made the thieves stole my identity contacted Best Buy and changed my home address and the billing statement language from English to XXXX. Copies of my billing statement for that period clearly shows the fraudulent address in XXXX XXXX, FL instead of my correct address in XXXX, FL. Currently the {$2100.00} charges I am being held responsible for have increased to {$2700.00} and is reported as delinquent with the three major credit reporting agencies ( XXXX. XXXX, XXXX XXXX ). Even though I did not lose my Best Buy Visa credit card, nor was it stolen, this is the second time the credit card was compromised. In XXXX someone made unauthorized charges to the credit card in the same manner the fraudulent charges were made in XXXXXXXX I am being billed for charges I did not make and because I refuse to pay thiI want to be reso is affecting my credit rating.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because upon reviewing my credit report, I recently noticed a discrepancy in my report. I received a notification indicating a collection entry from PLAZA SERVICES LLC on my credit report. According to the report, it was initiated on XX/XX/XXXX for a debt amount owed totaling {$2100.00}. .However, I have no knowledge of this account, contract nor any involvement with PLAZA SERVICES LLC and no proof to how they are the original creditors ; there is no account number attached to the account. I have neither engaged in business transactions with them nor entered into any agreements. Hence, it is unjustified for them to report such information on my credit report. This situation infringes upon my rights as a consumer, as outlined by the FDCPA. I am providing this complaint because because no one from the collection agency have contacted me back with any details. I should not be liable for something that I can't gain proof or there is no account number attached to the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS 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 an account without my written instructions.
Product: Credit card or prepaid card

I have presented Discover Bank with disclosure of concerns pertaining the opening of an account in my name as a result of identity theft. Discover Bank has mailed a letter to me dated XX/XX/XXXX for fraudulent account ending in XXXX. In this letter Discover Banks request is for notice of report to credit bureaus of the account resulting of identity theft and Discover 's request if for the block that I have requested on the fraudulent account to be lifted. I am not understanding this request or the poor practice in responding to the several calls that I have made reporting identity theft and requisition appropriate action. Further, I have provided with disclosures for identity theft and request for mitigation of losses to several parties representing Discover, the last party that I spoke to on XX/XX/XXXX at XXXX XXXX, continue to request for a verbal password that he has stated is on the account for an account that is result of identity and stated that he would not act accordingly to address the matter with propriety in response to the consequences of identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2. This also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681. ( 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 or other personal consumer reports

Subject : Complaint Against for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against TRANSUNION Account Information : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TRANSUNION has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 
The violations committed by TRANSUNION include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information It is worth noting that XXXX has now removed this account from my credit report and has provided me with evidence of its removal. This highlights the lack of accuracy and consistency in the information reported across the three major credit bureaus. If XXXX has acknowledged that the information is incorrect, it is clear that TRANSUNION is failing to maintain the accuracy required by the FCRA. 
I formally request that this information and the related account be removed from my TRANSUNION credit report immediately, to ensure that the data reflected in my credit history is accurate and consistent with the other agencies. 

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.
Product: Debt collection

Prior to today, XX/XX/XXXX, ( likely XX/XX/XXXX ) I received multiple harassing phone calls where I was asked exceedingly stupid and irrelevant questions. I am authorized to discuss with Chase and compel chase to take action the SBA seeks that I have Chase undertake regarding an alleged PPP loan which must be a grant.

Chase bank also received from the account holder a secure message which is a form that Chase themselves sent to us for the sake of authorization. In that authorization I made sure we included an older CFPB complaint number. Despite doing all this Chase bank isn't cooperating with us in regard to these PPP loans. Chase made representations to us about the forgiveness of these loans the refund of payments made to them, yet now Chase is instead mocking us on the phone very frequently.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX AUTO FIN XXXX CREDIT ACCEPTANCE XXXX XXXX AUTO XXXX XXXX MOTORS XXXX XXXX XXXX XXXX XXXX NOWCOM/HOUSTON AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SMART CHOICE XXXX TEXAS AUTO XXXX NOWCOMWESTLAKE FINANC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL XXXX XXXX ALLY FINANCIAL XXXX XXXX CREDIT/CLASSIC XXXX XXXX XXXX XXXX NA XXXX
Product: Mortgage

In order to view balances, tax documents etc with Penny Mac, one must register for an account. Part of the account registration process is to provide one 's cell phone number ( landline is not accepted ) and consent to receiving telemarketing calls from Penny Mac. The following it how the consent is worded ( copied/pasted from Penny Mac webpage ) " Communications Consent : By clicking the Submit button, I agree that I am providing an electronic signature authorizing PennyMac Loan Services , LLC and its agents ( PennyMac ) to contact me for telemarketing and informational purposes at the telephone number provided, even if I have previously registered on a corporate, state or national Do Not Call registry. I have authority to provide this consent because I am the subscriber of the telephone number or I am a customary user who has authority to consent to these communications. I also agree that PennyMac may contact me using an automatic telephone dialing system or an artificial or prerecorded message, or text messages, even if the number is connected to a service for which I am charged. I understand that I am not required to provide consent as a condition of loan consideration or approval. '' In conclusion, the only way one can manage one 's mortgage, view statements and tax statements with Penny Mac online is if one consents to Penny Mac 's telemarketing strategies. This is unethical.

Thank you for your attention to this matter. 
Kind regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told the CRA on multiple occasions that the information they continue to report is incorrect. They have never verified none of the disputes I have submitted to them. I have investigated the accounts myself and found out that they have been reporting the wrong account numbers, ( 2 ) when there in only one account number, the wrong dates, the wrong status and also a third party reporting on behalf of the original company that I had no idea existed. How is this possible? They are wrecking my credit. The copy I have uploaded in the system and also sent to the CRAs listed is the only account I have with US DEPT OF ED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BANK, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for k purpose.
Product: Checking or savings account

XXXX issued my refund for hardware on XX/XX/XXXX. I reached out to PNC Bank to try to confirm the money was received or the transaction was declined. After being transferred a few times I spoke to a bank representative that confirmed the transaction was declined but couldnt provide anything further. It is now XX/XX/XXXX and XXXX refuses to reissue the funds. I called PNC bank and they said they refused the funds and sent them back. However, PNC refuses to gove me any proof of the transaction even though I have a ARN number provided by XXXX. XXXX refuses to do anything without proof because they said the money was not returned. 

Now Im stuck fighting between two billion dollar companies for what is to them a measly {$130.00}. I need proof the funds were returned back to XXXX. Seems like a simple request.
Product: Debt collection

The response back from creditor was not true I have proof that I sent letters to creditor several times certified mail they got it and that's a violation of law due to the credit fair act sayin they didn't receive it and also they need to show me a sign contract with my signature on it to prove the debt. they keep sending letters without the contract and signature that's not real proof they need to deleted accounts for violation of law and reporting illegal information are I will sue in court if they do not delete these account last warning
Product: Checking or savings account

I received a letter in the mail saying my address had been changed. I have never contacted CapitalOne to change my address. The new address listed is not correct. I have had the same address since I became an XXXX XXXX customer *18* years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the beginning of XX/XX/2022 I have tried to resolve this matter. This agency has violated my rights by disregarding my letters sent in to resolve this matter. Under 15 USC code 1681e ( b ) states that the Accuracy of report 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 reports relate. This account has been deleted from XXXX but not this agency.
Product: Payday loan, title loan, or personal loan

I purchased adjustable king-sized bed for {$2500.00}, as agreed for 100 days same as cash on XX/XX/XXXX. So far we have made the following payments monthly withdrawn from our account at {$410.00} on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Now they say I still owe over {$5000.00}. I purchased bed on XX/XX/XXXX for {$2500.00} and I have the receipt showing such and there was no discussion on the additional {$5000.00} charge during any of our conversations. I signed paperwork to let them withdraw money from my account. Then they had me sign an electronic document but it was days after the sale of the bed. I just called to ask if the account was paid in full and they said I still owe until XXXX. They assured me that I had signed a contract. I just can't believe how fraudulent this is and not to mention to {$5000.00} owed after you paid {$2100.00} so far. on a purchase of {$2500.00}. They have salesmen at the store not informing people about a 101-day policy that if you go past the date then you would have to pay an additional {$5000.00}. If this was disclosed during the purchase then everybody would walk out of the door.