23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey hope all is well. I was looking through my credit report and noticed some negative accounts that were never AUTHORIZED/OPENED. I never gave these companies my personal information OR the authority to obtain my personal information on their own, they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me. I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts does not belong to me. Have them remove these thank you.
Product: Debt collection

This is not my account, wrong account number, this account was not under a XXXX XXXX XXXX, delete this item due to multiple errors. Please validate this account, please provide evidence showing this is my account such as my signature on documents or delete this account. THIS STATUE OF LIMITATION HAS EXPIRED ON THIS ACCOUNT
Product: Debt collection

Sunrise Credit Services , Inc. ( SCSI ) contacted me by letter dated XX/XX/2021 about an alleged debt of {$150.00} owed to XXXX XXXX. I received the letter on XX/XX/2021. 

SCSI is incorrect as I do not owe the debt, and I have documents proving that. 

I responded to SCSI 2 days later via letter sent certified mail and advised the company that I do not owe the debt, that I dispute the validity of the debt, and that I have proof that I do not owe the debt. 

I also notified SCSI that I presented my evidence to the previous debt collector handling this matter. That company then apologized, closed its file, and promised to remove the item from my credit report. 

I also asked SCSI for additional information, including proof that it is authorized to collect the debt. The return receipt shows that SCSI received my letter on XX/XX/2021. 

On XX/XX/XXXX, SCSI responded by sending the documents attached and marked as Exhibit A. These documents contain violations of the Fair Debt Collection Practices Act : SCSI has provided no evidence that it sought to verify the validity of the alleged debt, despite knowing that a previous collector stopped all efforts to collect it when presented with my proof of payment. 

SCSI has provided no evidence that is properly authorized to collect the alleged debt, as it has failed to demonstrate that it is properly licensed and insured in the state of New York, where it is located.
Product: Debt collection

Within the span of around XXXX months I was called over XXXX times by Avant XXXX. Due to a debt that they stated was mine. I asked them to not call on numerous occasions and that request was ignored. The calls came at all hours of the day many came while I was at work. I eventually blocked them for fear of being fired for too many calls at work. On several days I would receive upwards of XXXX to XXXX calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX, I have a total of 7 hard inquires on my credit report across the 3 major bureaus ; XXXX, XXXX, and Experian, and only 1 from XXXX XXXX XXXX  belongs to me. XXXX, XXXX, and Experian has been reporting accounts that I have never received to my report. I have 2 hard inquires from XXXX  XXXX XXXX on Experian from XX/XX/XXXX and another a week after on XX/XX/XXXX, if that wasn't suspicious to the banks or creditors then IDK what is. Then I have a 3rd from XXXX  XXXX XXXX on XX/XX/XXXX reporting to XXXX and again have never received any of these cards for them to be reporting on my credit. Within this span my information was used to attempt to open a XXXX/XXXX  on XX/XX/XXXX reporting to XXXX as well as some inquiry from XXXX XXXX on XX/XX/XXXX. On the same XX/XX/XXXX XXXX also reported this same account, when I request information on these accounts I receive no information, verification, or reasonings behind how or why I have 6 different inquires that do not belong to me, as well as a charged off account with fraudulent debt. I've been working for several months to resolve these issues with these reporting companies and would love help to clean this up in any way possible.
Product: Debt collection

Innovated Recovery Inc. have falsely represented there self by trying to collect from me money that is the wrong amount and for the wrong apartment complex. I did attempt to resolve by trying to settle the difference and they declined. I feel that it was wrong that there was no proof of the balance on my credit is correct so I ask to settle at a reduced rate to no avail. Please help me close this matter in a amicably.
Product: Checking or savings account

USAA Customer Service Department XXXX XXXX XXXX XXXX XXXX, TX XXXX I am writing to formally file a complaint against USAA Banking regarding a distressing incident that occurred on Monday, XX/XX/year>, at approximately XXXX XXXX  ( PST ) involving one of your ATMs located on the corner of XXXX XXXX and XXXX XXXX in XXXX XXXX XXXX. 

On the mentioned date and time, I attempted to deposit {$1700.00} in cash into the aforementioned USAA ATM using my debit card. However, the transaction did not proceed as expected. Instead, after a few minutes of processing, the ATM displayed an error message. Subsequently, the machine rebooted, failing to deposit the {$1700.00} into my account, return the cash, or even return my debit card. 

Immediately following this unfortunate incident, I reached out to USAA and recounted the entire situation to four different representatives, including one from your Executive Resolution Team. I was assured that a dispute had been initiated, and an investigation would be launched. However, I was also informed that this process could take up to 10 days to reach a resolution. 

While I understand the necessity of conducting a thorough investigation, I am deeply troubled by the lack of immediate action taken to address the situation. As a loyal USAA customer for the past 13 years, this experience starkly contrasts with the exceptional customer service I have come to expect from your institution. 

Furthermore, the financial loss of {$1700.00} and the inconvenience of losing access to my debit card have caused me significant stress and XXXX. Despite expressing my concerns to your representatives, I was informed that there was nothing that could be done in the interim. 

I am disappointed by the handling of this matter and feel that my money was essentially taken without my consent, through no fault of my own. I had hoped that USAA would demonstrate greater empathy and urgency in resolving such issues. 

While I acknowledge that your policies and procedures are outlined in your banking terms, I urge you to reconsider how such situations are managed in the future. Your customers deserve better treatment, especially in times of distress and financial uncertainty.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX contacted me about an account I did not authorize. They advised me of a balance I was unfamiliar with and I demanded validation of the account because I was the victim of ID Theft in the past. The company not only did not provide necessary documentation to validate the account but they proceeded to report the account to the credit bureaus. I already have an ID Theft report on file and need this item removed immediately. In my ID theft report I specified there was no way for me to know all of the accounts that were opened in my name but outlined a period of time I knew for sure the thief was opening accounts. I do not use credit for hardly anything and now that I do need to use it for business purposes these fraudulent accounts are hindering my ability to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I are both XXXX vets. Our mortgage was sold to XXXX  XXXX from another company. XXXX XXXX never let us know they had our mortgage until we saw we were late on our credit report. We fixed the past due amount and have been on auto draft ever since. Approx 7 months with this company. Now they are reporting we have missed two mortgage payments all of a sudden and this has never happened. Auto draft is through XXXX XXXX  and has come out the first of every month. We have confirmed this with bank statements. XXXX  XXXX has done nothing to correct their screw up after being contacted and admitting their screw up. Because of this we have not been able to get a new car loan and our credit went from XXXX to XXXX. This company should not be allowed to handle veterans mortgages and should be called the gestapo mortgage. XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

This person by the name of Rubin and Yates has contacted me several times on my cell phone and now somehow they got ahold of my place of employment they have also sent me emails with fake drawn up court papers stating that I 'll be taken to court. The number they just called me on at work is at XXXX and when I picked up all he asked was is this XXXX XXXX and then I said my I ask who 's calling and he would n't identify himself and then I disconnected the call. They leave me threatning voicmails stating legal obligation and I 'm being named as a defendant and is going to to have a sheriff dispatched to my home/and or employment and that I have to appear in court. Said me or my attorney needs to call them at this number and that I have been legally warned ... XXXX. They also mask thier phone number by using a local number as well. I usually do n't answer it because I 'm sick and tired of the threatning calls and when you ask these people for documentation they start yelling and screaming at you and then hang up the phone. I believe these people are fraud. I would like this to stop immediately..
Product: Credit reporting, credit repair services, or other personal consumer reports

I had asked for reduced payments with LendinfClub so I did not miss any payments since I had lost my job in XXXX 2020. LendingClub granted the XXXX  plan and I was allowed to make interest only payments for 3 months. I had a written agreement from LendingClub. I paid as agreed within the grace period, but collection calls began immediately. I was told that I was only making partial payments. I was reported as 30 days past due several times to the credit bureaus despite me explaining to each collection agent that I was on a hardship plan. I had to explain it to each caller several times a month during the period of the XXXX  plan. My credit score dropped and I was denied a lease and mortgage due to LendingClub falsely reporting that I was delinquent. Despite disputes with the credit bureaus, calls to managers and a finally a XXXX  complaint, no one is helping me. I am being harmed by LendingClub still reporting those XXXX  payments as delinquent. I need help!!!
Product: Credit card

In XX/XX/XXXX I submitted a dispute against XXXX for the charges of {$1800.00} because they did not provide the services they promised. I provided XXXX pages of proof showing how XXXX failed to provide a proper website, did not provide on page XXXX, did not put me in over XXXX directories including XXXX, XXXX, etc, did not provide addequate XXXX and XXXX XXXX, and several other areas they failed. I have this documentation if you need it. I received a letter from Prosperity bank dated XX/XX/XXXX advising they were denying my claim so I called and asked why. The rep stated that they received a document signed by me stating that I agree deposits are non refundable. The problem is I never signed any documents with XXXX and the terms and conditions paperwork I was sent has nothing stating that. I asked for proof to be emailed to me and the rep said it would be sent over. I never received anything. I have been calling weekly since then asking for this proof and for a supervisor to call me and nothing has been done and no one has called me back. I do not agree with the determination because XXXX. I never signed anything XXXX the terms I received have nothing in them stating deposits are non refundable and XXXX even if there was something in my paperwork stating this XXXX  did not provide the services they laid out in the agreement and I proved this. I have been rebuilding my business online presence since XXXX because XXXX almost destroyed my business.
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 U.S.C 1681. 

ACCT Name : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Original order date was XX/XX/2023 Order number # XXXX XXXX XXXX XXXX Total to dispute : {$1000.00} Dispute was closed in the vendors favor and I even appealed and insisted with my evidence and was denied on the appeal. 

The card used for the transaction was my GS / Apple Credit Card
Product: Credit reporting, credit repair services, or other personal consumer reports

i just found out that there is an account with ( loanme XXXX : XXXX ) that does not belong to me. i have filed a ftc report to support my claim. i have never authorized this company to run my credit or give me this loan. this loan is due to fraud. please see attached supporting documents
Product: Credit card

I have always made sure that payments on this account are made promptly, avoiding any overdue payments. I am unsure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Product: Debt collection

I have a a unverified account from ENHANCED RECOVERY COMPANY XXXX. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. 
Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

XX/XX/XXXX I sold my XXXX XXXX XXXX to XXXX for {$26000.00} which I received a printed bank draft for that was printing using the secure bank print. I deposited the bank draft that night and it said my funds would be available in the morning. I called the bank because the funds were not available and they told me it was marked as an altered check and they closed my checking account. I have been in contact with the business manager from XXXX, my local branch ( which apparently couldnt do anything they just called someone while I was in the office and had them talk to me ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has released the funds and verified it but my bank still has my account closed and funds locked. The business manager from XXXX recommended I add him to the call so he can verify that the funds are legit, but bank of america declined to talk to him. They asked me for his contact info in which I called him today and he said they never reached out to him. I am out XXXX XXXXXXXX and now have no vehicle to work with so I am losing money everyday this goes on as I have nothing to pull XXXX XXXX XXXX with and can not work now. 
The bank this is happening with is bank of america.
Product: Credit card

I made a purchase of {$500.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Product: Debt collection

I have been Victim of identity theft and has already filed it with police department. PLEASE REMOVE THESE INCORRECT information from my credit profile immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XX/XX/year> - This company remains as a collections on all three of my credit reports. I recently received a letter in the mail attempting to collect a debt for this same account from XXXX. When I spoke with the agent this month from XXXX, she advised me that they recently received the account in XX/XX/year> and would submit a dispute to XXXX to verify debt. However, XXXX XXXX XXXX still remains on my report for the same debt and reports monthly of no payment received when they do not have the account.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # xxxx, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I've been having trouble keeping up with payments, I usually am able to catch up, but from the day I'm late with my payment until I pay, the XXXX girl calls me XXXX times PER DAY. It's excessive and I feel harassed. I want to start here before filing a motion to sue with the state of maine.
Product: Credit card

I recieved a notification via email while i was in bed on the night of XX/XX/year> of a hard inquiry by a company named Barclays Bank Deleware. I contacted them this morning on XX/XX/year> and stated I recieved an alert of a hard inquiry from their company that I did not authorize or recognize. They found the application and said they will investigate it. I asked for a copy of the application so I can report the fraud to law enforcement, for my records, and for my report to the credit bureaus. They refused to provide that information per " their policy ''. I mentioned their requirement to do so per the Fair Credit Reporting Act and they still refused. I asked if I could provide my email or address to recieve notifications of the fraudulent investigation and the would not except it stating I can call them in the future for that information.