23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received my latest credit card statement from XXXX XXXX which appears to be affiliated with Comenity Bank. For the past year or so I have had a check sent from my HSA provider to XXXX to pay off the monthly bill since this line of credit was opened for a XXXX XXXX XXXX Everything had been going fine besides a few late charges because every now and again they wouldn't receive the check in time even though it was sent the same time every month but this last check for the month of XXXX sent out on the 1st of the month from XXXX, my HSA provider, was never received or applied to the account. 

Now when I call and finally got through to a customer service representative, they could not locate the check even after I provided a check number and date it was sent out. The rep insisted I give him my banking info instead to make up for the missed payment in XXXX. We went back and forth trying to resolve my issue, I never gave my bank info, and the call ended with the rep saying he was going to transfer me to his manager and then disconnecting the call only to call back and get the same message I had for the past 1-2 weeks saying try back they are having prolonged system maintenance. 

Now this contact was made on XX/XX/2022, and that was the first time I had a chance to speak with anyone OR login to my online account due to what they are labeling system maintenance which it very well could be. But for about 1-2weeks I had no way to check my balance, speak with a rep or fix this now accrued late fee. 

I tried calling back today XX/XX/XXXX, and the message is still there that they are experiencing prolonged maintenance and now the website is even back down, and I am unable to access any part of my account. 

My XXXX HSA check has been sent and I have notified XXXX of my issue but have no way at this time of knowing whether this is a one-time mistake on XXXX part or if I need to cancel all future payments. 

I have no way of contacting XXXX and am worried the late fees will keep getting racked up and start affecting my credit score. Can someone please advise on how to proceed? 

Thank you,
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. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or 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: Money transfer, virtual currency, or money service

Cash app allowed a user by the name of XXXX XXXX real name XXXX XXXX to use there platform to fraud consumers out of funds by pretending to be a fitness coach with a merchant account with Cash app as I used cash app at multiple vendors such as XXXX XXXX XXXX and have been able to get a refund for products not delivered how ever at this time cash app has ingnored my request to start a dispute in regards to the fraudulent charge Ive also requested a manager call me to discuss the issues and find a resolution since my cash app account is federal insured and should follow all consumer right law but hasnt done so and is completely allowing a person to use there platform to commit theft and fraud I ask you investigate this transaction alongside the companies dispute department
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account.

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS CO CHILD SUP Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

9. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE RENTDEBT AUTOMATED COL Account Number : XXXX Delete this account. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a XXXX XXXX  Bankruptcy to the Credit Bureaus XXXX and XXXX without my consent, which is in violation of my consumer right US 15 SEC 1681 ( a ). This is a violation to my rights of privacy, accuracy and fairness. This is not private for them to supply this information to the bureaus without written consent from me. I have reached out to Corelogic on numerous occasions for them to correct this error and they have not corrected the error. 

XX/XX/22 I sent a letter to the XXXX XXXX XXXX XXXX XXXX  GA requesting their procedures on reporting to the CRAs ( XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, Corelogic/Credco, XXXX XXXX XXXX. XXXX To my suprise, The court answered : XX/XX/22 The XXXX XXXX XXXX XXXX XXXX GA sent a returned letter stating that they DO NOT REPORT TO THE CRAs, That By the FCRA 15 USC 1681 ( a ) is enacted to promote the accuracy fairness and privacy of consumer information contained in the files of the consumer. That if they access my records from PACER they can obtain records of a bankruptcy. 

On XX/XX/22 Corelogic/CREDCO sent me a 2 part investigation on my consumer file only to send me a copy of what XXXX and XXXX are reporting that the XXXX XXXX XXXX XXXX XXXX  GA is reporting the bankruptcy to them. How so? When the court just told me that they do not report these things. 

That said, Corelogic/Credco is in violation of the law and I now evoke your agency to help me correct this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER- XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about the same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, Experian, XXXX, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the debtor on XX/XX/2019 requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit report agencies are reporting the inaccurate information to future creditors. This is causing injury to my personal as I am not able to acquire new credit base on these false invalidated claims.
Product: Debt collection

Wells Fargo violated FDCPA rules by calling prior to XXXXXX/XX/XXXX. I already filed CFPB XXXX and reject the response. 

You can not use corporate rules to violate calling times. You can not justify harassment. You can not use Covid as an excuse to violate FDCPA laws, rules and regulations. Wells Fargo DID call me prior to XXXXXX/XX/XXXX and wish to justify their illegal actions!!!

Well No!!! 

They have admitted making the call. I want my {$1000.00} dollars for their clear violation of the law! Wells Fargo can not cite, and has failed to cite ANY state law, federal law or even a fictitious law to support their claim that they can violate the FDCPA!! 

At what point do I get paid for their harassment? Calling prior to XXXX constitutes harassment!! Calling at that time is an automatic fine. Pay up!!
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. I froze my credit through Experian in XXXX of 2023 and a week later the ID theft was able to gain access to my account and change my information to theirs. Baring me from my account that contains my personal information. 

I called Experian multiple times on multiple occasions and filed reports with them 3 times to get my account back and prove my identity. They never responded back to any of my attempts and continue to allow my information to be used by another individual against me after I've given proof of the theft. 

I'm repeatedly hung up on when I call in to press the matter. They are knowingly allowing people 's information to be stolen and are unable to manage this level of personal information efficiently or legally. 

They should not be allow near anyone 's SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, IL 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 XXXXXXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$910.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$950.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}, XXXX  XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX  XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX & XXXX Original creditor XXXX XXXX XXXX : {$260.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$470.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$1100.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX : {$1400.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX Inquired on XXXX XXXX, 2021, XXXX XXXX XXXX Inquired XXXX XX/XX/2021, XXXX XXXX Inquired on XX/XX/2021, XXXX & XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX  Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX on XX/XX/2021, XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2021, XXXX Inquired on XX/XX/2021, XXXX Inquired on XX/XX/2021, XXXX Inquired on XX/XX/2021 According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Pangea closed my account permanently. They stated I violated the user agreement. Their website does not track the availability of funds that can be transferred so I had no idea I was breaking their rules. Pangea should be notifying customers that a transfer is excessive, instead they just close your account without warning. They actually sent me a notice stating they needed to verify my ID so I sent them a photo of my drivers license, turns out that was not the problem. That was deceptive, they are not communicating the truth to me the customer.
Product: Vehicle loan or lease

I received a text from Santander that stated the following : 'This is Santander Consumer : We may have a program available that could reduce your monthly payment by 25 %. Please call us at XXXX to see if you qualify. ' I contacted Santander at XXXX and spoke to XXXX ( ID # : XXXX ) who repeatedly threatened me with repossession of my vehicle. I repeatedly asked about the 25 % payment reduction program and was never told details, payment date requirements, nor what I needed to do specifically. I believe repossession was repeated to me at least 4 times which was what i intended to prevent by calling to make payment rearrangements. As the call was not progressing I asked to speak to a manager and was told none were available. I asked if a supervisor was able to call me back and was told that was not possible. I was then put on hold and then hung up on. XXXX also stated that he can not provide a corporate address to me. 

I am a single father who is impacted by Covid-19/Pandemic. My income has been reduced by approximately 40 %. We are living under the threat of eviction and I have been paying my rent plus an additional amount to my landlord as a result. I contacted Santander Consumer USA Inc in response to their reaching out to me via text regarding the 25 % payment reduction program which would allow me to resume payments. 

I was never given ample opportunity to discuss the program in detail, or to apply for the program. The representative ( XXXX XXXX appeared to be driven to obtain a payment as a performance metric primarily. This caused me and my humanity to be pushed aside in effort to oblige Santander Consumer USA Inc collection directives. I was told by representative 'XXXX XXXX on XX/XX/23 this morning that representative XXXX ' noted that I did not qualify for the program due to 'Insufficient Income ' and 'No Next Payment Date ' ; none of which was communicated to me nor discussed fully. The tools provided to the representative 'XXXX  XXXX, were NOT used to the extent of rendering the proper help/assistance available, for a ( an ) unknown reason ( s ).

I also spoke to Executive office representative, XXXX XXXX, ID # : XXXX, on XX/XX/23 at approximately XXXX XXXX who also confirmed that my 'ineligibility ' is noted falsely and in error as what was noted was not discussed with me.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 XXXX 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

This collection agency has been reporting my collection as an open account and reporting monthly late payments as an open account instead of a collection account in order to maximize damage to my credit report. I have disputed this several times through the collection agency and through the credit bureaus. This account should be removed from all credit reporting bureaus as it has called me measurable damages from negative credit decisions that can not be over turned.
Product: Credit card

i am in need of immediate need of my credit card to be opened as I never instructed for this account to be closed as it is against the law to close an account without my written consent to close the account. I am being damaged and I need this account opened as i am experiencing actual damages and I can not use my own credit. open my account now. provide proof that I allowed this closure?
Product: Debt collection

I have responded to the debt collector XXXX XXXX, and the major credit bureaus are informing them that the debt that is being collected is not my responsibility. The debt is a product of identity theft. The address listed on the debt is an address that I do not recognize. I've never lived at this address. Also, even if I owed the debt and I do not. The debt is outside of the right four-year time frame in which debts are collectible. During the five years of disputing this debt, it has been taken off my credit report for one year and then put back on. With the address discrepancies included.
Product: Debt collection

THIS ACCOUNT WAS FARUD AND WAS OPENED UP IN MY NAME
Product: Checking or savings account

I have reviewed my report from Early warning and there is accounts that has been open in my name while I was on XXXX XXXX I just able to open accounts. and there is accounts open from XXXX till XXXX
Product: Mortgage

Seterus Inc called my cell phone at XXXX on XX/XX/2015, while I admit I am late this month since I paid a large questionable audit from an IRS agent named XXXX XXXX, there is no reason to harass me this early in the morning when I have not been late for years on my mortgage. In additional Seterus a cease and desist order in teh past as I fought about this type of stuff years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMCOL Systems Inc is reporting on all three of my credit bureaus as three different accounts with different amounts. The accounts that are showing are {$1300.00} on XX/XX/XXXX, {$1200.00} on XX/XX/XXXX, and {$210.00} on XX/XX/XXXX. All of these were for the same visit not on the dates being reported. The services were either for myself or my son. In addition, I had medical insurance through the state of Arizona and these claims should have been filed through medical insurance. I called this company XX/XX/XXXX and advised them that I had state health insurance at the time of the visit. Their response was " because the date of service is more than 1 year ago they are unable to file the claim with the insurance. '' I told them that I was not responsible for this debt and they need to file the claim with the state health insurance or they should have at the time of service. At the time of service, I presented my insurance card and they took a copy of it in addition to filling out the paperwork with all of my insurance information on it. They are refusing to remove these accounts and file a claim with the insurance. This company is not easy to work with and their representatives who answer the phone are rude. I have enclosed a copy of mine and my son 's medical health insurance card that I had at the time.
Product: Vehicle loan or lease

XXXX XXXX XXXX approved me for a car from XXXX XXXX whom they know has a record of selling shady cars allowed a deal to be done, and the transmission went out XXXX encouraged me to keep paying on my car and to buy parts from co part after knowing the transmission went out. When i surrendered the car they called XXXX XXXX the salemans and discussed my personal information and decision
Product: Debt collection

This account is a loan from XXXX of XXXX. I guess I never made a payment, and then it went to collections with Clark County Collections in XX/XX/XXXX. I have disputed this multiple times with the credit agencies, but the information keeps coming back accurate. They claim the first date of delinquency is XX/XX/XXXX, but it is actually XXXX or XX/XX/XXXX. Making this debt too old to be on my credit report. I have the documentation they gave me, and they also spoke to me on a recorded line stating I never made a payment.