23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Dear sir, I have checked the response to me, which was provided at XXXX today, which claim number is XXXX. At first, in the dispute/complaint submitted on XX/XX/XXXX, I explained to your company that I am a XXXX nationality and born in 1972. In common sense, one who was born in 1972 is not worth in duty for the XXXX in any country except those who are high ranking. And I am a XXXX nationality ; therefore, logically, I can not understand why I am on duty in American XXXX. From all of these, it is clear I am not in the military ; therefore, the active-duty alert is not appropriate for a XXXX nationality and a person born in 1972. What I requested was to explain why you added this statement. As far as I understand on any legal paper, if the content says a statement, it must be made and written by the person in question himself/herself ; therefore, it should not be your company. Since you have added this part, you have received some statement from somebody. Since I know myself, I did not ask you to add, you must have known and acknowledged this person. If correct, then, your company had some part to cause me to add myself Fraud Alert in the end. If you believe yourself, you are not in part to cause this legal issue, you need to clarify the excuse legally to me. And, since you and another credit report company have created the condition which might be suspicious to cause the legal issue, identity theft, the fraud alert should not be removed. That was the reason I asked to extend the fraud alert. Therefore, I did not ask you to remove fraud alert itself. I request strongly not to mention any more these issues. 

Sincerely,
Product: Debt collection

I am writing because my wife has been receiving phone calls from Hunter Warfield, a debt collection agency, regarding a debt we owe through XXXX XXXX for a lease at an apartment we were staying at until XX/XX/XXXX. We moved to XXXX  XXXX from XXXX  in XXXX and I notified the management company we would be moving to XXXX   XXXX at that time as I was relocating for school and work. They did tell me that I may end up paying the remainder of the rent for the lease so that is fine. What isn't fine is that the lady, named XXXX, from Hunter Warfield has been calling and threatening that XXXX will sue us if we don't pay soon. I didn't think she could make that claim on behalf of XXXX since she works for Hunter Warfield and claims XXXX still owns the debt. We tried to offer several payment plans, including {$150.00} dollars for roughly 16 months which would clear the debt but they claim this isn't sufficient enough. She then claimed that if we get a judgement against us, they can come after our financial aid as we are both in school currently. Then towards the end of the last conversation, my wife gave XXXX my phone number as I am more versed in consumer rights and protections and XXXX began asking invasive questions regarding whether I lived with my wife or not, if I wasn't in the picture and why my wife and I " don't discuss are finances ''. I took that as very personally harassing. The recent calls from XXXX were on XX/XX/XXXX at XXXX XXXX EST and XX/XX/XXXX at XXXX XXXX EST.
Product: Credit card or prepaid card

I would like to file a formal complaint against CITI BANK for closing XXXX of my credit cards out of the blue for no apparent reason. I suspect the reason being because I filed a previous CFPB complaint regarding a purchase dispute forcing them to re-open a case they had already closed. The previous CFPB complaint # is XXXX, I will be attaching the report to the complaint. The reason I suspect my reasoning being it was due to my previous complaint against them is because I filed the complaint with CFPB on XX/XX/2023 and CITI had no choice but to re-open my purchase dispute and lead to issuing me a permanent credit on XX/XX/2023. 11 days later both my CITI CREDIT CARDS was mysteriously closed and representatives at CITI CUSTOMER SERVICE are unable to tell me why they were closed and nobody is willing to give me answers or help me re-open my account that were in good standings. I had no late payments, no non-payments nor balances carrying over month to month. If CFPB can be step in would be greatly appreciated. I'm being punished for making a complaint and forcing CITI to relook over my previous purchase dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights!

Un

der Act 15 U.S.C. 1681 section 602 says I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C 1666B A creditor my not treat a payment on a credit card account and consumer credit plan as late for any purpose. Please update the following accounts as Paid, Never Late. 
XXXX XXXX  # XXXX
Product: Bank account or service

I opened an account with 53rd bank and I made a {$100.00} deposit into that account,2 days later they closed the account, they never sent me my money back and they reported my name XXXX saying I still owed them money.But I did not make one single transaction in this account!!!
Product: Credit card

On XX/XX/XXXX I visited Macy 's regarding a furniture purchase. I left with a sample and business card. Two days later when I decided to make the purchase I called Macy 's credit card ser ice team to increase my credit limit for the expected value of the purchase, which was {$3000.00}. I then called the store to purchase over the phone. Store Macy 's XXXX XXXX XXXX XXXX Sales Colleague XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The limit requested was {$3000.00} this should be on a recorded line in addition to my call for the purchase. The transaction total was {$3000.00}, which I question for being over the limit. I was advised it was not a big deal. I specifically declined fabric protection and it was stated I could purchase at a later date. XXXX sent an email on XXXX and requested I approve the transaction, I stated yes. The delivery was scheduled for XX/XX/XXXX and she mailed the receipt. Shortly after the delivery I noticed a second email from Macy'sfrom an alternate email address with a higher transaction amount that had the fabric protection added for a total {$3300.00} ; consequently, putting me over my credit limit by 13 %, there was no request to increase my credit limit or red flag that the transaction was pushed through. The Store employee makes commission on this product and put my credit reporting in a negative situation for an over limit. Once the statement arrived on XX/XX/XXXX I called Macy 's to initiate a dispute and they advised it can take 2 cycles or 60 days. I called back on XXXX and requested the opportunity to provide email proof and rationale regarding my credit limit increase to support the dispute after nearly 2 hours on the phone I was advised they could not update the transaction. I also requested the opportunity to speak with management and I was transferred to a furniture credit associate XXXX, that was kind ; however unable to address my concern.
Product: Checking or savings account

My money has been held for over 90 days including loan payments, personal payments, rental car refund, etc and they are closing my account and froze it because someone deemed unauthorized fraud when it was not and I had the conversation between the people. They refuse to give me my money and they are obligated to. They took {$330.00} + {$250.00} away from me based on lies and I offered to give them pictures but they refused. I want my money.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank 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

This morning ( XX/XX/2018 ) I was notified by XXXX XXXX that there was a hard inquiry on my XXXX credit report from PayPal ( shows up as SYNCB/PPC ). I did not apply for credit through PayPal or authorize any kind of credit check from them. I tried calling PayPal, but they have no record of an a credit account so they couldn't help me. I want this hard inquiry taken off of my report because I didn't authorize them to check my credit for anything and it's negatively affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was given a 90 day forbearance on my mortgage for XXXX, XXXX, XX/XX/XXXX due to the hurricane in florida. from XX/XX/XXXX until XX/XX/XXXX i made all payments on time in addition to repaying the three payment from the forbearance period totaling 8 payments in four months. in turn XXXX XXXX falsely reported my mortgage 60 days late for XX/XX/XXXX with all three credit bureaus. this is impossible as i have made 8 payments since XX/XX/XXXX. i have called, written messages on their website with zero response or solution. in turn my credit card companies have begun to reduce my credit lines because of the false incorrect past dues report. i have over 25 credit accounts and HAVE NEVER been late on any of them. this is now damaging  my business and my family finances.
Product: Debt collection

XXXX   XXXX  states in a letter that i opened an account with Just MIlitary Loans in  XXXX  of   XXXX  . I have not been a part of the MIlitary since  XXXX   XXXX  i do not have any knowledge of a loan with  XXXX   XXXX  or Just MIlitary. I have dispute this account numerous times and have asked for account verification. I do not have a contract with  XXXX   XXXX  and i do not have any knowledge of an account with Just MIlitary.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of 2024 I was fraudulently " hired '' by scammers posing as a company called XXXX, which is a real talent acquisition firm. I was " hired '' to be a XXXX XXXX for them. I was given an extensive text interview on XXXXXXXX XXXX and even sent to a skills assessment website. The next day I was told on XXXX  that I was hired. I was sent an offer letter to sign, as well as a XXXX and direct deposit information and instructions to upload my drivers license. So they had my ssn, bank account information, and drivers license. I was then sent a XXXX of a check to deposit to my account and XXXX the money to a XXXX party vendor for computer supplies to be delivered to me the following week. I XXXX three payments totalling {$2100.00}. The check was returned NSF AND my bank, Regions Bank, will not refund me my money. 

I have filed a report with the local police, and contacted the FBI, FTC, IRS, and social security. I also closed my bank account and put a freeze on my credit with all 3 reporting bureaus. I locked my ssn with the department of homeland security. 

I need Regions to refund my money, because I am underemployed and don't know how we're going to be able to pay our bills this month. I am job hunting as fast as I can and XXXX XXXX XXXX XXXX to try and make the money. Please, please help us to get Regions to refund me my money.
Product: Debt collection

XX/XX/1922 I received noticed via email that a new report had been added to my account from XXXX XXXX XXXX. This company is not registered with my state to collect a debt, this will act as my first and last time requesting the immediate removal from my report. I will not go back and forth. You never go to was unless your money is right. I'm ready to see the judge. Again first and last request before court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to contact XXXX XXXX XXXX ( formally dealer funding ) and they 've denied my request. To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payments was reported on [ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX ] for my account [ loan  account number XXXX ]. 

During that time, my mother fell terminally ill, and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her healthcare expenses. I fell on very rough times after she passed away, and was unable to make my car loan payments. 

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. Then i was hospitalized for a few weeks and it cause me to lose another job. 

I 'm not proud of this black marks on my record, its 5 of them, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score. rebuilding my future. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. 

Thank You.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax was hacked, so my information is at risk. I think this is a gross misconduct, especially because they knew for a month without telling the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED THAT YOUR COLLUSION WITH XXXX XXXX MUST CEASE WE ARE GOING TO FILE CLASS ACTION LITIGATIONS FOR VIOLATING THE XXXX XXXX XXXX AND FCRA 15 U.S.C. sECTION XXXXG YOU HAVE XXXX DAYS TO FORCE XXXX XXXX TO UNBLOCK OUR CREDIT FILES TO ENABLE COMPLETE ACCESS TO OUR SCORE ETC...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account ending in 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 an account without my written instructions. 

XXXX XXXX XXXX granted me a Forbearance XX/XX/2021 after a XXXX XXXX  XXXX XXXX I submitted all of my paperwork for a mortgage adjustment and hired VA 's from the XXXX lost my information causing an invalid negative reporting on my credit report. I disputed through all 3 credit bureaus demanding a reinvestigation and XXXX XXXX  stated incorrect information. I submitted loads of documents to prove my case. XXXX removed it then added it back without explanation. This is illegal and fraudulent. Then XXXX XXXX sold my loan to refrain from pursuing further.
Product: Credit card or prepaid card

My wife and I bank with US Bank, we were offered a US Bank credit card in XX/XX/XXXX. I accepted the offer. I tried several times during XX/XX/XXXX to log in and set up my account and auto payments. My wife tried and could not, so she called the credit card service number. This was on or around XX/XX/XXXX. The person my wife spoke with explained there was an issue with the way our account was set up with the bank and therefore with the Credit card. We did get that resolved and my wife made a payment, while at the same time setting up auto payment. Due to the issue, the representative my wife spoke with removed the late fee. 
In XXXX, I received an email stating I had a missed payment, My wife called the customer service department, she took care of the account and verified that the auto payment was set up this time. 
In XXXX, I received an email from XXXX XXXX stating my credit limit had been dropped by {$5000.00} I called customer service and was told that they could not tell me why. I was told, I should have received a letter, I said I did not and requested a new letter. I had to call back several times to get the letter. 
Once I did receive the letter, it stated the reason for lowering my credit limit was due to missing 2 payments. Both payments were missed due to errors or issues on their side. 
On XX/XX/XXXX, my wife called and spoke with 3 different representatives before getting any information. She was told I would have to log into my account and request a credit limit increase. Y credit score already took a hit from my having a lower credit limit, now they want me to request a credit limit increase ; which will also impact my credit score ; without a guarantee, my credit limit will be reinstated.
Product: Debt collection

My husband and I purchase a vehicle finance by Ford Motor Credit in XX/XX/XXXX the vehicle was repossessed by Ford in XX/XX/XXXX for non payment at the time my daughter was ill and because of the care and treatment for her we were not able to meet our obligations for paying the vehicle on time as such we fell behind on payments and the vehicle was taken we were not able to meet the back payment to get the vehicle back the vehicle was sold for {$6000.00} at the time we were balance on the loan XXXX. Ford sent a letter to collect the balance of over {$6000.00} which we were not able to pay. The account was taken over to collection agency which filed a judgement against us in XX/XX/XXXX the first judgement lasted 10 yrs and was again renewed for another 10yrs in XX/XX/XXXX, as a result of the judgement and the repossession we have been unable to finance anything on credit at normal interest rate we have since been able to finance vehicle at buy here pay here and the interest rate as high as 30 percent. We have suffered the shame of having the vehicle repossessed and our credit ruined for the last 11 years. This past week we receive a execution order from our local sherif office to seize our assets when I contacted the office I was advice t make arrangement can be make payment on the debt my husband and I are unable to take on any more expenses we are still recovering from debt of hospitalization of my daughter, my husband loosing his job in XX/XX/XXXX I do n't understand how Ford Motor Company was provided federal bail out at the financial crisis but someone like my husband and I can not be forgiven for this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps reporting discover card and acceptance now and not updating my name and current address. Trans union is also doing the same with other account that are old and incorrect personal information being reported and XXXX as is not updating fast enough and my identity was involved in the breach that they were sued for where my information was sold and given to the dark web by them. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX DOB XX/XX/XXXX. My address is XXXX XXXX XXXX XXXX  XXXX, XXXX Texas XXXX. I submitted letter to Experian the beginning of XX/XX/XXXX. Regarding accounts and inquires that don't belong to me showing up on my credit report. They have failed to provide physical proof that the accounts where mine. This has gone over 30 days to be honest over 180 days to be exact. I've been trying to sort this out. I've sent ( 4 ) 609 letters. Experian has yet to delete the accounts that i'm concerned about. I'm beyond exhausted and have decided to file a formal complaint.
Product: Debt collection

My family members have received multiple phone calls attempting to locate me, even though the original company already has my name and phone number. 

I have spoken with agents of the company previously and asked them only to contact the phone number that they have on file for the account ( my phone number, listed above in this complaint ) but they have repeatedly made phone calls to my friends and family members after I issued a verbal request to them to stop.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are Reporting Inaccurate and Fraudulent Debt Amount on my Credit Report. I reported this to the CRA 's and directly to the company. I requested a Complete Account History of Account Opened, Purchases, and Payment History, necessary to verify legal accurate information. The Account History was not provided and inaccurate information is being reported by company and CRA 's. 

I authorized Flex Shopper to take monthly payments from my bank account. Flex Shopper took multiple unauthorized payments out of my bank account several times a month causing additional overdraft fees. I had to close my bank account. I called into to pay off remaining balance of {$200.00}. Flex Shopper refused my payment and demanded my bank account information. I tried several times to pay off the {$200.00}. and my payment was refused. Flex Shopper / XXXX XXXX XXXX XXXX are reporting to CRA 's that I owe {$1600.00}. and refuse to provide account history. They are committing acts of fraud and inaccurate reporting they are not being held responsible by CRA 's. 
A complete Account History must be provided for burden of proof in establishing the Validity of Legal Reporting Accuracy. 

Submitted Under Oath & Integrity XXXX XXXX XXXX XXXX XXXX