23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

DIVERSIFIED ADJ SVC is reporting a debt from XXXX in the amount of {$1800.00} that I never received notice for. This collection is also listed on my report with a different collection agency.
Product: Credit reporting or other personal consumer reports

I noticed an unauthorized hard inquiry. This inquiry was not initiated by me, nor do I have any record of granting permission for such an inquiry. 

Under the FCRA, credit reporting agencies are obligated to investigate disputes and correct any inaccuracies within 10 days of receiving a dispute. Therefore, I kindly request that you promptly investigate this matter and remove the unauthorized hard inquiry from my credit report. 

look forward to receiving confirmation of the removal of the unauthorized hard inquiry from my credit report within the legally mandated timeframe. 

Thank you for your cooperation in resolving this issue.
Product: Checking or savings account

My wallet was stolen card was stolen and my pin was in my wallet as well I called the bank Wells Fargo soon as I found out about the transaction that where. Made they filed a claim then decided to denied me saying I gave permission which I didn't and over XXXX dollars was stolen out my account now I'm force to pay overdraft fee plus out of my own personal money I put in to save for my kids what can I do need help in resolving this matter
Product: Credit card

The company responded back with that the account number is correct. I asked for debt validation. They did not provide.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill my legal obligations. Under the fair report act to conduct reasonable investigations on my credit report. Leaving inaccurate or unverified accounts unresolved. The consumer financial protection agency as already filed a lawsuit for systemic issues such as, failing to provide edvince to furnishers and failure to adequately notify us of the findings in detail. In this case experian jas neither correct or nor removed anything. Same day disputes are made they are completed.
Product: Credit card or prepaid card

PLEASE ADVISE THE STATUS OF MY COMPALINT ( XXXX ) FILED WITH CFPB ON XXXX XXXX, 2017!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX Please make-up your mind You are reporting me delinquent for XXXX XXXX Hone loans as followed for 2019 XXXX Delinquent for XXXX XXXX and XXXX XXXX  DELINQUENT FOR XXXX XXXX AND XXXX Equifax DELINQUENT FOR XXXX XXXX AND XXXX It has been multiple time not one not but minions of times that XXXX has provided you with the current delinquency months yet you XXXX Equifax XXXX XXXX have failed to update it correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter from Macy 's stating they were reducing my credit limit to {$100.00} based on a report from XXXX that my credit score is XXXX. My credit score on XXXX is XXXX. 
I contacted Macy 's credit several times, and they won't fix the error, even though I've offered to give them the credit information. 
This is harmful to my credit and should be actionable. I had a prior investigation with the XXXX Police XXXX department after the credit agencies reported false information on my Credit Score for multiple defaulted and late payments that were NOT mine, and that were summed up as " mixed identity '' for another person with my name in an entirely different state. 
I have also contacted XXXX. XXXX is claiming they have no knowledge of a report with a score of XXXX. I have names and times of all parties spoken to. They are asking for the letter from Macy 's which I have faxed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off XXXX XXXX XXXX XXXX or XXXX on Equifax ( XXXX XXXX XXXX XXXX XXXX ) and I sent a request for deletion as the company XXXX XXXX advised me to contact Equifax, XXXX and XXXX and none of them have removed this debt COMPLETELY FROM MY FILE. I requested a hardline deletion and XXXX XXXX said that would not be a problem just submit my request with the credit bureaus. I 'm requesting zero collections on my credit reports. Also I have sent several lettters to all three credit bureaus requesting removal of hard inquiries that I did not authorize on my credit reports and they refuse to remove them due to fraudulent activity. I requested Equifax to remove XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXXXX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

XXXX XXXX failed to properly mail me the monthly invoice. This has happened in the past also. They have a hard rule : only one late fee waiver per length of loan ... even if it is their fault. I have attempted numerous times to speak with CSR 's and supervisors and continue to waste my time getting the same company response, I would venture to say ... that they can do or probably this intentionally to create yet another income stream or revenue source from poor unsuspecting customers ... just like XXXX did with the XXXX battery. My credit rating is important to me ... but more importantly is the way a company treats its customers ... go online and type in XXXX and see all the unhappy customers that have filed complaints.
Product: Money transfer, virtual currency, or money service

Deposited a cashiers check for {$40000.00} from XXXX XXXX into my Bank of America checking account on XX/XX/2018. Bank of America will not honor the cashiers check and is holding my funds until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the reporting of a debt on my credit report by Creditor/Furnisher OLLO/XXXX XXXX associated with account number XXXX. It has come to my attention that this company is reporting a canceled debt on my credit report. However, they have failed to provide me with a 1099-C form as required by the IRS.

According to IRS regulations, creditors must issue a 1099-C form when a debt of {$600.00} or more is canceled or forgiven. This form is necessary for me to accurately report my income and comply with tax obligations. Despite this requirement, I have not received any such documentation from OLLO/XXXX. 

This lack of documentation and communication is causing confusion and distress, as I am unable to verify or address this alleged debt appropriately. Additionally, reporting this debt on my credit report without providing the necessary 1099-C form is unfair and misleading. 

I request that you investigate this matter promptly and remove the inaccurate and unverifiable debt entry from my credit report. Please also provide me with confirmation of this action once it has been completed. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

XX/XX/XXXX I received an email from XXXX XXXX, Head of Consumer Banking, at Bank of America offering Hurricane Irma Relief Program for affected customers XX/XX/XXXX I spoke to XXXX XXXX at XXXX to inquire about Hurricane Irma Relief Program and enrolled in the program. I specifically asked if my good credit would be negatively impacted in any way and was told no and that I would not have to make payments for 3 months. I never received written documentation stating the terms of the program. 

XX/XX/XXXX I spoke to XXXX XXXX with Home Equity Dept, and XXXX XXXX with Home Retention Dept ; I was offered an extension for the Hurricane Irma Relief Program until XX/XX/XXXX. Again, I asked if my good credit would be negatively impacted in any way and was told no and that I would not have to make payments for 3 months. I never received written documentation stating the terms of the program. 

I made two payments after the Hurricane Irma Relief Program ended and thats when I was informed that I had to pay the entire 6 months of stopped payments in full. Why was I not informed of this each time I was enrolled in the program? I would have never agreed to the program had I been informed. Since I was unable to pay in full, Bank of America started foreclosure proceedings. 

XX/XX/XXXX and XX/XX/XXXX Submitted Loan Modification paperwork and requested review of the conversations with the representatives who enrolled me in the Hurricane Irma Relief Program. 

( All of the conversations below were made by calling XXXX ) XX/XX/XXXX Spoke to XXXX ( last name unrecorded ) at Retention/Case Management Dept., I was informed that B of A representatives failed to provide customers the necessary information Hurricane Irma Relief and that the necessary paperwork stating the terms of such program was never generated ; therefore, never received by me. 

I was told to contact XXXX XXXX at XXXX. I left messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I have not received a response. 

XX/XX/XXXX Spoke to XXXX XXXX was informed that there was no phone number on file for me ( How is this possible? I've had the same number for 17 years. ) XX/XX/XXXX Spoke to XXXX ( last name not provided ), once again, I was informed that B of A did not provide the necessary information to customers at the time of Hurricane Irma Relief Program and that information was no relayed to customers due to internal confusion at B of A My phone requests for review of the conversations with the representatives who enrolled me in the Hurricane Irma Relief Program, on XX/XX/XXXX and XX/XX/XXXX, have been denied multiple times ; my written requests faxed on XX/XX/XXXX and XX/XX/XXXX are still unanswered. 

I was informed that the only options to avoid foreclosure are as follow : 1. Pay the full reinstatement amount of {$12000.00} ( unfortunately, I do not have the money in full ) 2. Apply for loan modification : I applied, but was denied as the home insurance expired 3. Refinance : I do not qualify as I now have poor credit only due to B of As negative credit reporting ( based on the missed payments during the Hurricane Irma Relief Program and thereafter ).
Product: Payday loan, title loan, personal loan, or advance loan

The XXXX XXXX sent a response letter to CFPB for complaint # XXXX stating the XXXX XXXX would waive all fees and only request back {$1000.00} to be considered paid in full. Called the phone number listed and spoke to XXXX ( supervisor ) who stated he didnt see any notes about me paying only {$1000.00}. He asked I send the letter to him which I did. He then asked I send the response letter to XXXX which I did. I sent {$1000.00} they initially funded in my account and they received it. They then attempted to charge {$1000.00} again the following day which declined. They have not provided proof of the account being paid in full.
Product: Debt collection

The debt collector, XXXX, researched my new address ( they did n't have mine on file apparently ), and instead of sending me a correspondence requesting I contact them or pay my debt, they issued a law suit! Fine, I owe the debt, I need to pay it right? I get it, I am okay with that. But they should have asked first. But my real complaint is that they served a summons with my personal information about debts I owe to a roommate! This information did NOT need to be made public in the form of the lawsuit nor the summons to my roommate if they had just contacted me to begin with. This needs to stop.
Product: Vehicle loan or lease

I have called American Credit Acceptance and spoken to 3 different account representatives ( its all on their recorded phone line ) to tell them they have not reported to the three credit bureaus ( XXXX, XXXX, XXXX ) in over three months. The information regarding my account is incomplete and inaccurate. As a result of them not reporting my credit scores have not raise to reflect my payments. I have been making payments before their due dates every month and have not gotten any credit for it on my credit report, as they have not reported, " pays better than agreed '' or anything since XX/XX/2018. Per 15 U.S.C.1681 ( FRCA ) American Credit Acceptance is willfully violating the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries 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 Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$340.00} XXXX XXXX XXXX Balance {$660.00} XXXX XXXX XXXX Balance {$700.00} XXXX XXXX  XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$530.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX / XXXX / {$50.00} XXXX XXXX XXXX XXXX / {$980.00} XXXX XXXX / XXXX / {$50.00} XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures aligned with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$370.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00}
Product: Debt collection

On Wednesday, XXXX/XXXX/16 I received a call at my home on my voice recorder from a Agent XXXX XXXX with XXXX regarding criminal and civil charges being brought against me and did not say what this was regarding. A call back number was left XXXX and case # XXXX. I thought it was bogus since a bill collector should not be acting like a government representative with the titles he was using. I get a lot of junk mail and calls regarding this sort of thing and thought it was bogus regardless. You really have to have your antenna on to full power now a days. At around XXXX I received a text from my Mom that this Agent XXXX XXXX had called my Dad 's office and spoke to my Dad 's receptionist at his office and left a call back XXXX case # XXXX. I want to know where I listed my Dad or my Dad 's business on any loan document? This is totally illegal what XXXX XXXX XXXX is doing and just using plain scare, intimidation and bullying tactics to collect on some debt. This rogue collector needs to be reeducated. I called back the XXXX number and spoke to XXXX XXXX who answered the phone as XXXX XXXX and there recorder stated they were XXXX, XXXX XXXX. I believe this company has lost there moral compass and is due for a reeducation on Fair Collection Law.
Product: Student loan

While dealing with my student loan servicer XXXX, I could not get my payment lowered through a hardship request. I could not get a deferment, the only option that would get approved was a forbearance. While in forbearance, I was accruing interest, made the balance grow and harder to pay-off.
Product: Credit reporting or other personal consumer reports

Several times Ive had 3rd parties contacting me about different credit payments that I have no clue of where they come from and the actual prices was incorrect the billing information also was incorrect and by law its my right and privacy to not have any of my personal or non personal information be advertise or sent to 3rd party agencies without a written permission or criminal subspecies activity and I would lie to file a lawsuit on my behalf to it my right of peas well
Product: Debt collection

Portfolio Recovery continues to call for three months now trying to locate someone that does not live here. They continue to call. I block one number and they switch to another number to continue calling. I do not owe them or anyone associated with them any debts.
Product: Checking or savings account

On XX/XX/year> I was contacted by someone claiming to be XXXX XXXX and was told that there was a problem with the cashing of my automatic monthly payment. Was told that it could be rectified if I make a faux payment using an account called XXXX and was told it was in my checking account, which led me to believe that it was a Chase approved app and I was told to use this app in order to clear up the problem with XXXX XXXX. Seeing that the app was in Payments and Transfers within my account, I believed I could trust using it. The person who was helping me thru the steps required, who was later found to be a scammer, had me enter an amount of {$670.00} which was only supposed to be a faux entry that would allow XXXX XXXX to straighten out my supposed problem. At first I was hesitant to do it, but the realized it was safely set up in my Chase account which was highlighted by the call from the scammer. I went through the process only because the app was in a Chase protected account, which then turned out to not be true. 
The {$670.00} was transferred to an account called XXXX which was a scam account. 
Chase claims no responsibility and refused to return my {$670.00}, even though I explained that the only reason the phony charge went through was because I believed that Chase was totally involved. Had I never had this app from XXXX in my account, I would never have paid out the {$670.00}. I never gave authorization for Chase to place the XXXX XXXX in my account structure but they did it without my permission or knowledge. After all this occurred I wanted to delete the XXXX app and Chase did it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The U.S.Treasury has been listing false information on my TransUnion and XXXX  credit reports since XX/XX/XXXX. In the Fall of XXXX I tried to have the false information removed from both, but both overseas operation call centers only allowed me to place a 65 word statement on both. 

Complaint # 1 - As time passes TransUnion or XXXX. is changing the " Date Opened '' of the accounts ( 2 out of 4 ), with then changes the " Estimated month and year that this item will be removed ''. 

On XX/XX/XXXX at XXXX XXXX  - TranUnion received by Priority Mail XXXX - 16 PAGES OF DOCUMENTATION INCLUDING A 1 PAGE LETTER directly disputing each account U.S.T. was falsely posting on my report. 

Complaint # 2 - In my written letter I addressed the following : ( A ) - Overdrawn Annual Leave and Recover Taxes owed on salary overpayments - MY RESPONSE INCLUDED - two ( 2 ) attached stubs and checks with VOID wrote on front of both checks, including the words on top right corner stating " VOID AFTER ONE YEAR '' ( B ) - Health Benefit Premium Related XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. - MY RESPONSE PROVIDED - XXXX XXXX XXXX - lower left hand corner - " LAST DAY IN PAY STATUS XX/XX/XXXX and SEPARATION-EMPLOYEE WAS SEPARATED FOR UNACCEPTABLE ATTENDANCE PERFORMANCE. The XXXX. expects me to pay for health insurance after I was terminated, THAT I DID NOT REQUEST AND I DID NOT SIGN AND DATE ANY TYPE OF OFFICIAL PAPERWORK FOR. 

I don't know what part TransUnion had trouble understanding with the provided documents, but according to the Fair Credit Reporting Act - IT CLEARLY STATES - " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information ''!
Product: Checking or savings account

Between the months of XX/XX/XXXX and XXXX of XXXX, my identity was stolen which resulted in fraudulent activity to occur. My personal information was compromised after my laptop was stolen which included my bank account information with Truist Bank formerly known as Suntrust bank. An unauthorized transaction was made, which resulted in an overdraft of my account. The account has gone into collections with XXXX XXXX XXXX XXXX XXXX Account # XXXX. I have made several attempts to get this incident resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have no knowledge of this account, XXXX XXXX XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation!

According to 15 US Code 681s-2, 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

15 usc 1681 section 602 states I have the right to privacy 15usc 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 under an open-end consumer credit plan as a late for any purpose