23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX my bank account was garnished about XXXX. I obtained information on garnishement from my bank. Garnished by Roosen Varchetti and Oliver. I searched their phone number and realized I had blocked this phone number on my phone in Early XXXXXXXX XXXX after multiple harassing, repeated phone calls. I get client calls on my phone so on XX/XX/2023, after receiving 2 calls in 2 minutes, I finally blocked the number. At no time, did this phone number leave a message to identify who they were or why they were calling me. My decision to block this number came after multiple days after repeated phone calls in short time frames. I am sure it was more, but the only ones I have documented are through XX/XX/XXXX. I see that they called on XX/XX/XXXX but do not have times documented. They called 2 times in 5 min on XX/XX/2023 ( XXXX and XXXX ), called 2 times in 3 minutes ( XXXX and XXXX ) on XX/XX/XXXX, 2 times in 11 minutes on XX/XX/XXXX ( XXXX and XXXX ), FIVE times in 20 minutes on XX/XX/2023 ( XXXX, XXXX, XXXX, XXXX and XXXX ) and finally, on XX/XX/2023 they called 2 times in 2 minutes ( XXXX and XXXX ) so I finally blocked the number. At no time, in any of these calls, did they leave on single voicemail. I blocked them because they were disrupting my work and not identifying themselves. I belive if they were not attempting to contact me in this manner, I would have been able to work something out with the debt that was owed.
Product: Debt collection

I switched carriers from XXXX to another carrier. XXXX was to furnish a final bill, which the new carrier agreed, within a 90 day period of time to pay, upon furnishing the final bill. XXXX would not furnish a final bill nor tell me why. Ultimatly, it was discovered that a range extender, provided to me at no cost because the XXXX phones did not work at my home as represented, was the issue. As the extender was not associated with the phone contract, they could not even tell me what was holding up the issuance of the final bill, until the 90 days had expired. I made many calll to resolve the issue, and was finally assured the bill would be canceled, then the next month got a credit notice. I was in the hospital ( can be confirmed - Im a XXXX ) much of XXXX, and could not respond to ( did not know about ) credit demand, so am now trying to get fair settlement and expunge record from my otherwise good credit. I believe that XXXX uses this tactic as an anticompetitive tactic to punish folks who switch from their service. Representatives from the credit service and XXXX regularly hun ip on me when I daughter to resolve this unfair and unreasonable debt. As an aside, we switched because XXXX does not have coverage where we moved 7months ago, which is why we switched services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with EXETER FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and EXETER FIN with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

Dear Transunion To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

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.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Product: Debt collection

XX/XX/XXXX my wife and I were sent to XXXX XXXX Doctors by our local doctor for XXXX antibodies Infusions. We filled out all the required paperwork and paid our {$30.00} copay fees. They would not do anything till this was done. All was well until on XX/XX/XXXX we started receiving individual bills for the {$30.00}. We contacted XXXX on XX/XX/XXXX she informed us something was incorrect and she would call us back with an update in a couple weeks. She said she would change the due date as not to harm our credit. ( never called back ) We both got new bills on XX/XX/XXXX. We called on XX/XX/XXXX and talked to XXXX said complaints were in review would take XXXX days but she would expedite to supervisor. No more bill for wife after that. I received a bill XXXX and XX/XX/XXXX. Talked to XXXX on XX/XX/XXXX she said she would check into it and call me back. ( never called back ) Received a notice from XXXX XXXX XXXX XXXX for the {$30.00} from XXXX XXXX XXXX. 

Attached is my bank statement with separate charges on XX/XX/XXXX for services at XXXX XXXX XXXX
Product: Debt collection

This is response to the falsified CFPB response from XXXX XXXX XXXX. My argument was never about whether I owed the balance. It was in regard to the call XXXX XX/XX/XXXX!!!!! Not on XXXX. XX/XX/XXXX is the call which I was threatened on. The fact this company continues to make false statements leads me to contact an attorney. Your company may NO attempts in contacting me concerning the " bounced '' payment on XXXX. I contacted XXXX XXXX XXXX on XX/XX/XXXX concerned as to why the payment didn't post which I was then advised it was likely due to the checking account not ever been issued checks. I asked why i was never contacted and your rep XXXX XXXX explained that none of my payments were actually secured and he apologized because according to him the rep that TOOK MY PAYMENT INFORMATION was new and failed to do so. SO which at that time reset up my arrangement. I will be contacting attorney
Product: Checking or savings account

XX/XX/year> {$XXXX} was transferred from my checking account by a phone scam. USAA was contacted immediately upon recognizing the call was a scam. They did not freeze the account. the scammers were able to deplete my account by transferring to another UsAA account. i have called repeatedly trying to get an update or information. i keep getting the run around. can you please help me recover my money? the attached screen shot is the account number of where my funds were transferred. this account belongs to another USAA member located in XXXX  that i have no knowledge of.
Product: Checking or savings account

I opened a credit card with HSBC Bank a long time ago. As such, I kept receiving promotional emails from them from time to time. One of  the emails stated there was a bonus of {$470.00} for their XXXX XXXX checking account. I was intrigued since I had been looking at banking with a global bank for a while. The offer stated I had to deposit a minimum of {$5000.00} for 3 consecutive months, and the bonus would be deposited after. I started the application process which took them 3 weeks, believe it or not, in this day an age. As soon as my account was opened, I went to my job 's HR and made the necessary changes to have around $ XXXX per month deposited directly to my account. This started in late XXXX. So the bank has seen my deposits in late XXXX, XXXX, XXXX, XXXX, XXXX, and we're in XXXX. The bank keeps giving me runaround and nobody knows anything. Customer service number is an overseas call center, and they state they don't handle promotions. Direct messaging within the app states the same. I actually had to file a complaint againt XXXX and in their written answer, which you have access to ( case number XXXX ), they state the bonus will be automatically deposited in my account by XX/XX/2020. This has not happened. So basically this bank engages in bait and switch tactics. At least I'm glad I realized this early how terrible they are. However, what they are doing is ilegal and must be stopped. I want the Consumer Financial Protection Bureau to publish this so others can be warned. My next action is filing a suit in small claims court in my local courthouse, and I would like to use this complaint as evidence of everything I've been through with this bank, and their refusal to honor their promotions.
Product: Checking or savings account

On XX/XX/2020 we had two unauthorized transactions occur in our account. My wife 's debit card was hacked somewhere, but, we are not sure where. One transaction was for {$2200.00} that was pushed through XXXX. The other was for {$4500.00} to a vendor in Florida. We didn't notice the charges until Friday XX/XX/XXXX. By that point, XXXX had figured out that the transaction wasn't done by us and refunded the {$2200.00} to us on Thursday XX/XX/XXXX. We reported both activities to Bank of America on XX/XX/XXXX and a fraud claim was submitted at that point. The claim has now been denied twice by Bank of America. First we were told that we logged into our account on XX/XX/XXXX, but, didn't report it immediately. We obviously didn't see it until the next day and reported it immediately. We were then told that there wasn't an attempt to empty the account even though a total of {$6700.00} had been taken initially. The bank is still stating that this was an authorized transaction. We were able to get the info for the vendor and it's listed as an interior decoration business in FL ( We live in CA ). The phone number provided for the vendor doesn't receive calls and no one responds to the e-mail attempts at the address provided by Bank of America. If you google the phone number provided, FL escort services come up. We are basically being told that this was all authorized and we won't be getting the money back even though we are insisting that we didn't do this. It appears to be a clear violation of their posted fraud protection policy.
Product: Vehicle loan or lease

I called Santander Consumer USA on XXXX regarding 2 ( {$400.00} ) payments that were applied incorrectly in XX/XX/XXXX. The bulk of the payments were applied to fees and not principal or interest as I was told. I've been informed several times by various Santander employees that the fees on my loan can be paid at the end of my loan without penalty. On XXXX.2021 I was told that the payments would be corrected and readjusted to apply to principal and/or interest within 5-7 days. I called back today on XXXX.2021 to check on the progress because from what could tell online this was not corrected. When I called today, XXXX2021 I was told that they weren't going to reallocate my payments. Because I paid above and beyond my normal payment they actually penalized me by applying funds to fees when that is not why I made extra payments. It's very dishonest especially since I was told that it would be fixed no problem when I called on XXXX.2021 ( they can pull the call recording ). This is very shady and dishonest business practices. I have every intention of paying my loan ( principal, interest and fees ) in full. However, I made extra payments to get ahead on the loan because of covid and we don't know what life is going to bring month to month. So it's horrible that during a global emergency Santander decided to take advantage of the little bit of extra money I had without my consent to fatten their pockets even more. Without regard to my personal situation. Horrible and I will not rest until they fix it and I believe there's a 3rd instance of them taking my payment and applying it incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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.
Product: Payday loan, title loan, or personal loan

I called today because I received a letter about my loan. She asked me when I could make a payment I stated on the XXXX. She asked how many I stated one. She then stated then I'll contact the lawyers They had previously used a lawyer to get a payment by way of a lawsuit. I was shocked by her threat
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is Equifax is still reporting this Incorrect & unverified account on my report. I sent multiple letters stating this account if incorrect & unverifiable, they never sent proof on how they verified the information.
Product: Credit card or prepaid card

I tried to make a payment but it was a glitch in the computer and it had me being late and i paid my card down to 3 % and im still current as of now
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my inquiries. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Mortgage

AmCap Mortgage decided to raise my mortgage payment, even though I have not had any shortages in my escrow account. I do not agree with their calculations. When I contacted them to ask my options, I was told to send a letter to close my escrow account, of which I did. I received a response back that I can not close my escrow, so why would this be suggested if this wasn't an option? I have been awaiting a return call from a Supervisor for 4 weeks. Still waiting, no one has a clue, the person who I need to speak to never answer or returns my call, this is ridiculous. This Company is a joke, they increase my mortgage during a pandemic, it has already been difficult to make payments at my original amount. To increase my mortgage just because they say so without any form of dispute or resolution options should be illegal.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and am requesting the blocking and deletion of certain unauthorized accounts and inquiries that have appeared on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights under these federal protections and formally request the immediate removal of the following unauthorized items : Unauthorized Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I'm furious with how XXXX, XXXX, and Experian are screwing up my credit report! Ive tried to fix these errors, but you keep ignoring me, which breaks the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code XXXX. I've sent letters through basic software, but your silence is illegal. No XXXX of Attorney is needed for this. Under FCRA Section 611 ( 15 U.S.C. 1681i ) and XXXX XXXX standards, I have the right to dispute false info on my report. Your bogus delinquency claims dont meet federal or state standards. Prove theres a valid reason for these inquiries or accounts, or admit you failed. The XXXX data breach screwed me with fraudulent entries, violating XXXX5 U.S.C. 1681 Section 602A. Heres where you messed up : 15 U.S.C. 1681 Section 602A : My right to privacy 15 U.S.C. 1681 Section 604A Section 2 : No account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items older than XXXX years 15 U.S.C. 1681s-2 ( A ) ( 1 ) : No knowingly inaccurate info You have 30 days to fix this! I want proof of what you did and an updated credit report. Remove the false claims NOW!
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  Account # 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 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 ) ( XXXX ) 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. 

DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of the unauthorized XXXX inquiry dated XX/XX/2022 that you have reported on my consumer profile. This inquiry, listed without my authorization, consent, or benefit, is a clear violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681, 15 USC 1681a, 15 USC 1681b, and 15 USC 1681e ( b ). I DEMAND THAT IT BE DELETED IMMEDIATELY! 
According to 15 USC 1681, the FCRA ensures fair and accurate credit reporting, protecting consumers ' rights and privacy. Specifically, 15 USC 1681a defines the term " consumer report '' and what information is excluded from a consumer report. I have not authorized or consented to this inquiry, and it does not fall within the lawful criteria for inclusion in my consumer report pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ). Your unauthorized inquiry violates this code by including information that does not comply with the accurate representation of my credit report.

Moreover, 15 USC 1681b highlights permissible purposes for consumer reports, emphasizing the necessity of consumer consent for any inquiries or reporting activities. As I have not authorized this inquiry. You have no written instructions from me to report this inquiry. Its presence in my consumer report is a clear violation of this section.

Furthermore, 15 USC 1681e ( b ) outlines the responsibilities of consumer reporting agencies to ensure maximum accuracy in the information provided. By reporting an unauthorized inquiry, you have directly contradicted this mandate, leading to the inclusion of inaccurate information on my credit profile. 
Your actions have caused me undue distress. This is an issue I take incredibly seriously, as the FCRA is in place precisely to prevent such situations. I demand that you immediately delete the unauthorized XXXX inquiry from XX/XX/2022 that you have reported on my consumer profile!!! Failure to comply with this request within 10 business days from the date of this letter will be considered an admission of violating the FCRA and neglecting the obligation to rectify the inaccuracies on my credit report. 
I expect prompt action and resolution to this matter. Any further negligence in addressing this issue will result in legal action to ensure my rights under the FCRA are protected. I anticipate your immediate attention to this matter and a written confirmation of the removal of the unauthorized inquiry from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXX Account XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX Act. # XXXX, XX/XX/XXXX XX/XX/XXXXAct. # XXXX, XXXX Bank UsaAct. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX # XXXX XXXX, XXXX XXXX XXXX Act. # XXXX, XX/XX/Dsnb Act. # XXXX, XXXX XX/XX/XXXX XXXX Act. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXAct. # XXXX XXXX XXXXXX/XX/XXXXBank Act. # 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