23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I went to the movies on XX/XX/2024 and while watching I got an urgent call from my mom that she was not doing well and went to see her at the hospital. It turned out to be a false alarm. In that rush, I left my pouch in the movies with my phone, credit cards, and a copy of my license and social security card. Many more sensitive documents were in there. When I went back to the movies I asked the front desk if anyone returned to the lost and found department. 

I later got to find out that a lot of charges were made by someone on many of my cards and XXXX was one of them. I called them and said all this to them and they have only reversed and given me provisional credits for 3 of the 6 transactions. This violates the FCRA act as they should give all provisional credits right away during their investigation. This is hurting my credit as well and they are asking for minimum payment on fraudulent charges.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XX/XX/2022. XXXX $ I called company told them I was Very sick and was out of work, I would do what I could but pls dont put dilquent payment on my report,
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/XXXX
Product: Debt collection

Enhanced recovery Has put a debt back on my credit report after Settling XX/XX/XXXX. For a debt that was NOT mine. I have attached the settlement letter for {$1500.00} They are also calling me on my cell after stating to them I have settled and I am on the DO NOT CALL list. The lady on the other line stated that NO such list exist. 

Also not only are they trying to collect a debt that has been settled it is also NOT reflecting that it is dispute on credit report This is reporting on XXXX & XXXX. Would like this item removed IMMED.
Product: Mortgage

Shellpoint modified my account which wiped out missed the three missed payments. But, on my credit report Shellpoint is showing that I have three missed payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHED FILE
Product: Money transfer, virtual currency, or money service

I initiated the transaction to transfer the amount {$9500.00} to my XXXX account on XX/XX/XXXXand {$3000.00} on XX/XX/XXXX. Later on, i had to cancel both of transactions onXX/XX/XXXXas my family was in need of money early while transactions were taking much time. 

Then i followed up with Western Union about my refund amount and i was said i will get my money back within 3 business days.

I followed up again after 3 business days, i was said by customer associate that Western Union never got the money, chase with your bank ( XXXX XXXX XXXX in my case ). 

I followed up with my bank associate and they confirmed that mentioned amount has been deposited to Western Union already and they never returned it back. 

Again, I followed up with Customer representative of WU on Wesnesday XXXX and i was said that they are going to open 2 new cases for my issues and you will get it sorted out within 24 hours.

When i did n't get my issue resolved, i called to customer care again on XXXX but again i was said to wait 24 hours more. 

Now today isXX/XX/XXXXand i am still waiting to get my money back. I am having feeling that its like a scam or cheating as they even after more than 15 days, i am waiting for my money. My family in XXXX, who were in need of money, they had to borrow the money from other sources and paying hefty amount as interest.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I have disputed with XXXX XXXX  and transunion several times with concrete evidence of Inaccuracies. I was not able to get any answers on how my disputes were investigated. I'm seeking CFFB to ask the 3 CRA 's to remove the negative info. The balance, original lender, new lender and the late payments were not correct. The house was sold and payoff without any late payments or FS. Also the original creditor XXXX is not in good standing and therefore not legal to do business in Maryland. 
Please see attached.
Product: Debt collection

Upon being denied for an apartment from my XXXX report, I Contacted XXXX immediately that to let them know I DID NOT authorize and had no knowledge of this apartment! I contacted the collection agency and XXXX and have been given no relief. I also placed a fraud alert on my credit reports. Per my investigation this company did not receive any authorization or identification from ME to lease an apartment to anyone for any reason. NATCRSYS {$1000.00} XXXX2014 NATCRSYS {$1200.00} XXXX/2014
Product: Credit card or prepaid card

I received a call from Capital One this week asking me to verify that I had applied for a XXXX credit card and a XXXX card on XXXX XXXX. I had not. 
Today, ( XX/XX/2022 ) I received a call from XXXX XXXX advising me that applications for XXXX XXXX cards using my name, birthdate and social security number were submitted on XXXX XXXX. Neither of those was a legitimate application, either. 
I contacted my bank to let them know about the fraudulent activity and was told to also reach out to the FTC fraud-reporting site and was redirected here.
Product: Debt collection

FCR improperly calls and emails me about a debt I do not owe from a car rental that was prepaid on the site XXXX. I even received a {$50.00} credit from XXXX for the bad experience yet XXXX refuses to clear the debt with their debt collector FCR. Many people have described the same scheme. 

I rented a car thru the car sharing site XXXX. After driving far from my home, I realized the car I rented was severally broken and I had to pay to fix things such as the headlights to use the car. After incurring this cost, I notified the host that any additional fees are now void since I am already at a loss with the repairs. XXXX gave me a credit of {$50.00} but then improperly created an invoice which they sent to FCR Collection Services. 

I later learned that others had the same experience on the XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I originally signed a contract for a revolving personal line of credit with XXXX on XX/XX/XXXX. I used this to pay down my credit card balances and had an APR of 14.90 %. XXXX never reported this credit line or any of the information regarding it to the credit bureaus so it never had a positive or negative impact on my credit score. Up until the account was transferred to Systems and Services Technologies ( SST ), the account was completely up to date on payments. 

After XXXX closed, I received new details about the balance I owed from SST which were completely different from the original financial product I signed up for. On XX/XX/XXXX I called into Systems and Services and requested my original contract from XXXX which confirmed that I signed up for a personal line of credit, not a fixed personal loan. SST sent me details for a fixed rate personal loan at 15.00 % with a fixed term of five years and a monthly payment of {$93.00}. I never signed a contract agreeing to those terms and I never requested for my line of credit to become a personal loan with a five-year term. I'm pretty sure this violates the Truth in Lending Act considering that this is a bait-and-switch. My interest rate is now higher than it was before, even though the federal funds rate has dropped by 0.50 % and my monthly payment is now higher than what I was paying before. I was given no options ahead of this change to choose repayment terms for my remaining balance with XXXX. 

I called in to SST today ( XX/XX/XXXX ) to discuss my concerns and ask if it was possible to file an investigation into the account to correct the issues. When speaking with supervisor XXXX XXXX she refused to file an investigation or complaint after I pointed out the multiple discrepancies. She insisted that the information was correct and could not be changed despite having the information from both contracts available. I spent over 42 minutes pointing out the sections of my original contract versus the information that SST has listed. This is an extremely deceptive lending practice and should not be allowed based on the federal consumer lending laws that are in place. And refusing to file an investigation into incorrect information that could impact my credit and finances is obstructive. 

In addition to the incorrect information they have regarding the account, they have also contacted me twice daily every week day for a total of 10 calls in one week which is in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally submitting this CFPB complaint just to notify you about the late open account upon checking it in in my credit file. I found out that the account XXXX XXXX still on my credit file which is appeared as late but open, the fact is, I've been paid it already. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. With your assistance, this account XXXX XXXX XXXXXXXX Balance Owed : {$33000.00} should be corrected right away.
Product: Debt collection

I am filing this complaint against Rausch Sturm LLP for violations of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) and the Texas Finance Code Chapter 392, regarding their handling of an alleged debt. Their conduct has been deceptive, misleading, and in direct violation of consumer protection laws. Rausch Sturm LLP initiated legal proceedings against me in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a debt validation letter as required by 15 U.S.C. 1692g. After I filed a General Denial in response to their claims, they subsequently sent me a so-called dispute verification letter on XX/XX/scrub>XXXX XXXX  which was undated, raising concerns about their compliance with federal and state debt validation requirements. Their failure to provide this documentation before filing suit is a clear violation of the FDCPA and Texas Finance Code 392.202. According to Texas Finance Code 392.202 ( b ), debt collectors must cease all collection activities, including litigation, until they validate the debt upon dispute. Despite acknowledging the dispute, Rausch Sturm LLP continued litigation without verifying the debt before proceeding in court. This continued legal action violates federal and state consumer protection laws and is a clear abuse of process. Additionally, Rausch Sturm LLPs process server falsely claimed to have personally served me with legal documents in my case, when in fact, they left the documents on my car parked on a public street. This action did not satisfy proper service requirements under Texas Rule of Civil Procedure 501.2, yet Rausch Sturm LLP proceeded with litigation. The use of false or misleading representations in connection with debt collection is a violation of 15 U.S.C. 1692e. Furthermore, Rausch Sturm LLP did not comply with attorney substitution requirements under Texas Rules of Civil Procedure 8 and 10, failing to notify me properly of changes in legal representation. Their failure to follow procedural rules deprived me of due process, violating my consumer rights under both state and federal law. Due to these actions, I have also filed a grievance with the Texas State Bar against Rausch Sturm LLP and their attorneys for violations of professional conduct and unethical debt collection practices. Their ongoing misconduct demonstrates a pattern of deceptive, unfair, and abusive practices that warrant immediate investigation and enforcement action by the Consumer Financial Protection Bureau. I request the CFPB to take appropriate action against Rausch Sturm LLP to prevent further violations of consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bank of America account listed XXXX which was an auto loan the car was totaled out and I was told do not do anything as the account is frozen until the insurance company reports back to BOA which I did what I was told to, the auto loan was paid off but after pulling my credit report now this paid off account is reporting a 60 days late which is NOT accurate. I need some help here I care about my credit rating and this is very hard to handle as I do not pay my bills late.
Product: Payday loan, title loan, personal loan, or advance loan

Spot loan is charging me 490 % interest rate please refer to my previous complaint XXXX, This is against the law in California I dont know why you close this this has not been solved.
Product: Checking or savings account

I attempted to withdraw {$200.00} from my Chase checking account. I presented two forms of identification. I lost my debut card and reported it two weeks ago and still have no replacement ard from Chase. The teller was taking exceptionally long, and I asked why she was taking so long. There was no explanation. I asked her to expedite the transaction and she then refused to process it and referred me to another teller. The other teller replied " I'm going to take just as long as she did ''. At that point, I asked to speak to the manager. She was an XXXX American woman. I explained that I was there for over 10 minutes at the teller window and asked why is it taking so long. She refused to process my transaction and instructed the tellers not to process it. She was rude, discourteous, incompetent and u professional. The bank rejected my transaction simply because of the employees ' outlandish unprofessionalism.
Product: Checking or savings account

I'm writing to file a complaint with Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having significant funds when transactions were authorized. I was charged fees due to lagged posting of charges and credit. This issue aligns with recent CFPB finding against Navy Federal for similar practices. Where transaction settles with insignificant balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Payday loan, title loan, or personal loan

Blueburd american express Eagered to get me off the phone an unwilling to take passwords and last four S.S..
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Thanks For taking the time out for reading my notice. I have sent Numerous notices to Equifax, XXXX, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There appears to be a tax lien reporting on my report. I do not recognize this report. I went down to the courthouse to verify with the clerk that this is actually mine. It does not belong to me. In fact, the social security number is not stated on the lien. Please verify and get back to me with the proof in writing that the lien belongs to me with the clerk 's name, the time and date of the call and verification of my social security number. The clerk advised me that they do not report any information to the credit bureaus and they do not keep any record of the social security number due to the file being sealed and that only a court order can open this file. So this is going to be fun to witness.
Product: Credit reporting or other personal consumer reports

I am writing to formally exercise my consumer right under 15 USC 6802 to opt out of any information sharing by XXXX XXXX XXXX of XXXX. 

Additionally, I would like to address an important matter regarding my account, which has been charged off. Despite this, I have not received a Form XXXX ( XXXX XXXX  XXXX ) from your company. This omission has resulted in inaccurate reporting of my account status. Therefore, I request that this account be deleted from your records to reflect its accurate status. 

Please confirm in writing once this request has been processed. If you require any further information or documentation from me, please do not hesitate to contact me at the phone number or email provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove a Chapter XXXX Bankruptcy from my Credit Report. On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I mailed XXXX, XXXX  & Equifax asking them to provide me documentation they used to verify this Bankruptcy and also provided them with a letter from the United States Bankruptcy Court that verifies they do not send information to any internet search engines or credit reporting agencies. Only XXXX  responded within 15 days but did not provide any documentation. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and therefore, the Bankruptcy must be deleted from my credit report.
Product: Debt collection

Its been over a year and a half since threat calls at all hours of the night and hang ups and threats along with violations in accordance to many lawsuits held against this company for Attempts to collect a debt not owed Communication tactics Filed incorrect information on the consumers credit report False statements or representation Threatened to take negative or legal action Written notification about a debt when in deed none was sent ever and buying off old debt that was related to police reports twice and nothing but pure tactics to torture me because I simply one once before when they tried to take me court and I simply not only had it resolved but because Im on XXXX and have no means to pay they are purely torturing me now. 
Just because I made past payments on this account more than 6 years ago doesnt mean I owe the debt. Some of us are simply not wanting out perfect credit to go down the toilet until we cant keep up paying debt that is no longer ours because we are victimized twice of identity theft and have already shared this info with this company and they still allow themselves too literally add to collections without notice nor hesitation that the debt has not been backed up by any letters and they lied to the Government to keep this on collections to hurt me and many others so they think Im gon na wait for 7 years for over a XXXX credit to just drop off my credit? Im not, Im taking action and I will not stop until this is removed from my credit report the calls stop the threats and hang ups stop and o thought since the last class action settlement they changed the way they robocall? No its all a lie and they continue to threat and threat and never validated any debts only because I paid on the account in 2013 they think I have not been through enough trying to get the company to close this account and have it removed from my credit reports and then they slide in and put the account on my collections the same day it was dropped off and this is double jeopardy and illegal and they have showed me nothing by grief and now not only anger but like I said I am giving them one last chance to fix this and remove this instead of acting like children and making malicious threats especially when they dont know me or my mental status. They should rethink what they say to people and I am too say no more at this time. CONSUMER FINANCIAL PROFITS FROM VICIOUS AND ILLEGAL STANDARDS TO OPERATE THIS SO CALLED BUSINESS AND NEEDS TO STOP ONCE AND FOR ALL.