23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from XXXX VM stated my name and stated they were moving forward with 2 complaints against me on the VM> i called the number back because it was just a recording. spoke with a lady there who stated they were filing charges against me for theft of services and breaking a contract. she said they were alliance recovery. I explained to her that they are the 5th agency calling me about this debt and i told her it was paid to another agency in XXXX. I told her to Cease and Desist all communications with me as they are lying about the date of charge off and threatening to charge me with these " crimes '' she stated she would remove my number. then today same number called. same VM was left. i called back again and a lady named XXXX XXXX answered. i told her i just received a call. she stated let me get someone who can help you. she then transferred me to a man that answered and was immediately very intimidatingly. He said what do you want. I stated well I just received a call from here and he interrupted me saying. I didn't call you. I stated well your company did. he stated i see we have already talked to you and you refused to pay so we are moving forward with filing these charges against you so what do you want. i stated you yall called me. he stated no I didn't call you and you have already told us you aren't going to pay then he hung up. i called again talked to another woman and i told her what had just happened and that I wanted my number removed because of how they were treating me and how i had already asked for a cease and desist. she hung up. i called 3 more times and and they would answer and hang right up. on the 4th time a woman said. Lady we removed your number and hung up. i feel very threatened by what they did to me and my XXXX and XXXX  XXXX  was through the roof. they keep doing this to me over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I emailed Credence Resource Management LLC, regarding letter that was sent to me. Per the letter I have until XX/XX/2022 to respond, and I responded by email stating I had no idea who this company was because I had never worked with them before. I requested written documentation to prove this account actually belonged to me. They responded asking for my personal information which I did not give. I will attach the emails between me and this company who I have never worked with. Also per the letter that was sent to me they must stop collection on any amount i dispute until they send me the written documentation that i had requested. I recieved an alert on my credit profile saying that I had a new collection on my report. I took screen shots of my XXXX  and my XXXX report showing that they put this collection account on my report without sending me the requested documentation and doing it before the 30 day time frame where they had to stop all forms of collection until the requested documentation was recieved I had until the XXXX of XXXX and they placed on my report in XXXX. I did not receive the information I was requesting. They have broken the law!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the Equifax hack. My information was leaked and released. Now i have to spend money to buy Credit protection that costs {$100.00} a year.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I did an instant transfer of {$270.00} from my Venmo account to my bank. This type of transfer typically shows up with 30 min. It has been 10 days and I still do not have my money and neither Venmo nor my bank can tell me where it is. Both are pointing the finger at the other party and no one will help me.
Product: Mortgage

Our yearly homeowner insurance renewal was due on XX/XX/year>. Like many other homeowners, our mortgage provider manages our home insurance payments through an escrow account. Our mortgage provider paid the insurance company via a bulk check issued on XX/XX/year> and mailed on XX/XX/year>. These checks take 7 to 10 business days to arrive. The insurance company received payment on XX/XX/year>, one day late, and canceled the policy due to late payment. 

We received a Lapse Notice letter on XX/XX/year>, stating that our policy had lapsed and that we were without homeowner 's insurance coverage. We contacted the mortgage provider and the insurance company and they both did not offer a solution other than getting a new insurance policy with another carrier as they are no longer accepting new customers in CA. 

The payment delay by the mortgage provider made us lose our homeowner insurance that we had for the last 8 years with no option to reinstate it at the same cost. Our insurance was around $ XXXX. New quotes that we received today, XX/XX/year> by other carriers with the same coverage we had will cost us over $ XXXX ( more than double ).
Product: Prepaid card

I received an Amex gift card for XXXX worth {$100.00}. I've checked the status and balance- both are good ( I haven't spent anything ) tried to use it online through XXXX and it was declined. Attempted to use it at XXXX in store for {$12.00}, swiped and manually punched in the number twice still to no avail - their system couldn't even see the card. I tried adding to XXXX pay earlier today and again, declined. I don't see the point in this thing. I've attempted contact via Amex 's website and their XXXX on the back on the card ( the only contact info they give ) and there seems no one to talk to, all automated with just a FAQ section that is no help. This really shouldn't be this difficult to use especially for Amex. A very disappointing gift - I've already told the buyer of the card to never buy an Amex gift card again for anyone!
Product: Debt collection

I received a call at work at my desk phone from a representative by the name of XXXX of IQdata on Monday XX/XX/2021. I advised her that i hadn't received any notification nor proof of debt to my mailing address. i asked her not to call me at work and to please send whatever it is in writing she refused stating since she had me on the phone lets take care of it now. we went back and forth about her not calling versus discussing it with her by phone. i refused to start a n arrangement without documentation. she refused and stated she would now be moving to the next stage of collections. i still advised her to send it in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years back I was speaking to an attorney about saving my house. I was advised to file a bankruptcy to help me not get evicted. However the attorney did not tell me that even though we are not completing the BK, the line item will negatively impact my report. 

Out of desperation I listened to the attorney. Without needing to apply for my credit, during this pandemic I find myself going through a difficult time. As a XXXX XXXX, XXXX  XXXX XXXX is stating they will not help my XXXX because I have a bankrupcty. 

I have contacted the court and they sent me a memorandum advising very clearly the US Bankruptcy Court does NOT report to the credit agencies. The memorandum goes on to state the court does not have any affiliation with the credit bureaus. 

I wish to have the history of the BK removed from all 3 credit agencies. Transunion, XXXX, and XXXX. 

I have disputed directly with the credit agencies. I have confirmation numbers to prove I have leveraged the Fair Credit Reporting Act. I do not know how this account reported to my report but it seems they are not permitted to report and it seems they may have went to a third party to report this negative history. 

Thank you for helping me in any way. The credit agencies say they contacted and received validation, however when I contacted the court they stated they never received any notification. 

Please help me get this PPPL approved by removing the bankrutpcy. My life and my employees lives depend on it to keep going during this pandemic. 

Thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I set up the following ACH transfer : I sent {$1700.00} Wise fee {$13.00} Wise converted {$1700.00} Exchange Rate XXXX Foreign Currency XXXX XXXX Wise initially indicated this transfer could be completed in 2 business days. However, even before I authorized this transfer, Wise noted that it was taking longer than usual to get my money and suggested I pay more to send the money faster. It's very suspicious that they would know this before I even authorized the transfer. 

Side note : I have done many ACH transfers with Wise over the past 4 years and they were always completed in 2 business days. 

I opted to continue on with the ACH as Wise said the money would be delivered on XX/XX/XXXX. On XX/XX/XXXX, the money was removed from my XXXX XXXX account. Wise claims they did not receive the funds until XX/XX/XXXX. The transfer was deposited on XX/XX/XXXX ( XX/XX/XXXX in that country ) in my Foreign bank account. 

This transfer should have been completed on XX/XX/XXXX.
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, 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 ) ( 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 or other personal consumer reports

I recently disputed inaccurate addresses under my personal information on my Experian credit report. The next day, I received an email stating that my dispute results were ready. However, upon reviewing the results, I noticed that the dispute addressed and removed addresses I never submitted for dispute. This raised concerns that Experian may be altering my credit file in ways I am not aware of, potentially withholding or inaccurately reporting other information.

This unexpected removal of addresses I did not recognize as disputed is alarming, as it suggests that there may be additional inaccuracies or omissions in my file. Given this, I am requesting my full credit file under FCRA Section 609, including all historical data and any information shared with third parties, to verify that my credit information is being accurately maintained.

I also believe that Experians failure to provide accurate dispute results may reflect a violation of the FCRA by not conducting a reasonable investigation or providing complete information.
Product: Prepaid card

I can't include dates because these transactions were done without my consent or knowledge of use. It pertains to an EDD claim which was PUA claim during the pandemic. My account is now unaccessible due to Identification verification. As a result PUA monies I should of received are not received and placing me in a position of homelessness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not my account and Have been trying to dispute it to get it off my credit report and they have yet to fix it. There is a balance on there that is certainly not mine, there is no accurate account number to dispute and I have never been to this place. 

XXXX XXXX XXXX XXXX for XXXXXXXX XXXX  Incomplete account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting since - XX/XX/XXXX Last report - XX/XX/XXXX in the amount of - {$120.00} Company contact info - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED ARE NOT AUTHORIZED BY ME AND THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. THESE INQUIRIES WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly.

Who in your company verified these accounts?

How did they verify them?

Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation.

Include the documentation that was used to verify the dispute.

You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

Name of Account Account Number Provide Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file.

IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written.

Delivered in the presence of : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was determined on XX/XX/2019 that a loan with XXXX XXXX XXXX was fraudulent and the account was deleted from my credit report. But then I just received an alert from Experian on XX/XX/XXXX that dispute results are ready pertaining to this same account that was removed from my credit report. In addition I never filed a dispute for this account due to the fact it was removed from my credit report.
Product: Consumer Loan

I received an email on XXXX XXXX 2016 from Discover Student Loans stating that they had not yet received my payment. I logged onto my banks website and saw that a payment of {$200.00} had been withdrawn from my account on XXXX XXXX at XXXX by Discover Student Loans. I then logged on to my DSL account and checked the payment history. My XX/XX/XXXX payment was marked {$200.00} and next to it was the word " paid ''. I went to the home screen and along of the top of the page was a banner that said my payment was past due. It also listed a minimum payment due of {$210.00}. I called DSL and talked to a CSR who informed me that my minimum payment due had changed in XX/XX/XXXX to {$200.00}. I told him that I had not received an email or any paperwork in the mail about this change. There was also no indication on the website that my minimum payment had changed. He responded that it had changed in XX/XX/XXXX, corrected himself and stated that the terms had changed in XX/XX/XXXX. He became very confused over whether the terms had changed in XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. He indicated that I should have received a message in my account inbox on the site about this change even if I did n't receive an email. I checked the inbox and there were no documents present. When I told him this, he stated that the documents must have " expired '' and that I no longer had any access to these documents, but that the terms had changed in XX/XX/XXXX. He corrected himself again, stating that it was actually changed in XX/XX/XXXX. He was unable to provide any documentation when they had changed or what they had been changed too. The CSR then stated that in order to bring my account current, I would need to pay {$6.00}. I questioned why if I only owed {$6.00}, the website had {$210.00} listed as the minimum payment due. I had paid {$200.00} on XX/XX/XXXX, in the payment history it was marked as paid, so it should only be {$6.00} due. The CSR said that was correct, but the website would n't show partial payments only total minimum payments. Going to the online bill page, the past due amount was listed as {$0.00}, despite being told I owed {$6.00}. 

1. I was never notified about a change in payment terms. 

2. Discover Student Loans was unable to provide any documentation that the terms had changed ( my previous months statements had " expired '' as well ). 

3. The CSR I was talking to on the phone was confused as to when the payment terms had changed. He stated it was in XXXX, XX/XX/XXXX, and XX/XX/XXXX multiple times throughout the conversation. 

4. The site itself never stated how much I needed to pay to bring my account current.
Product: Credit reporting 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. 


Account Name : XXXX XXXX XXXXXXXX Account Name : 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 reporting, credit repair services, or other personal consumer reports

My dad has a credit card, several months ago he called them, but couldnt hear well and authorized them to talk to me. They apparently took upon themselves to add me as an authorized user. He made a charge of around {$3800.00} and they reported that balance on MY credit bureau report, which lowered my credit score. When I called them and explained I never consented to be added to his account, they said the way they would remedy the reporting would be to delete me as an authorized user and after the next billing cycle it wouldnt be on my bureau. My dad paid the account in full the next billing, but to add insult to injury, his bureau reflects it being paid, however after two months mine still shows I owe them {$3800.00}. I have spent hours talking to their credit department, both representatives, and supervisors who refuse to amend my bureau, because they cant correct something when I dont have a Capital One account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 & XX/XX/23, I formally requested verification of two said late payments from Victoria Secret that are incorrectly reporting, & verification of alleged collections on my report from XXXX XXXX, & XXXX XXXX. None of these 3 companies provided proof of late payments or proof of validation for alleged collections, nor did they send a follow up on their investigation for either request. Due to failure and compliance with my request for investigation, I demand for these items to be removed as I have been more than patient regarding investigation processes and times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying repeatedly to get this incorrect info off of my credit report. Please investigate the date of last activity. Please only respond to me through CFPB portal. Communication by any other means will be considered harassment.
Product: Credit reporting or other personal consumer reports

I, have submitted multiple requests to opt out of information sharing with COLONY/THRGH COUNTRY DOOR, and these requests have been denied and ignored, in violation of my legal rights. 
Timeline of Requests : First Request to COLONY/THRGH COUNTRY DOOR : Submitted on XX/XX/year>, requesting to opt out of sharing my Credit Account, Transaction, and Non-Public Information. 
CFPB Request : Submitted on XX/XX/year>, following COLONY/THRGH COUNTRY DOOR 's failure to comply with my initial request. This request was also denied and ignored. 
Legal Rights and Violations : Fair Credit Reporting Act ( FCRA ) : According to XXXX XXXX XXXX section XXXX ( a ), consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. I have the right to ensure my private information is not shared without my consent. 
Privacy Obligations ( XXXX XXXX XXXX ) : Financial institutions must respect the privacy of customers and protect their nonpublic personal information. COLONY/THRGH COUNTRY XXXX has failed to meet this obligation. 
XXXX XXXX ( XXXX XXXX XXXX section XXXX ( a ) ( XXXX ) ) : Consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. COLONY/THRGH COUNTRY DOOR does not have my written consent to share my information. 
Nondisclosure Option ( XXXX XXXX XXXX ( b ) ( c ) ) : Financial institutions must inform consumers of their right to opt out of sharing nonpublic personal information. COLONY/THRGH COUNTRY DOOR did not inform me of this right. 
Right to XXXX XXXX ( XXXX CFR XXXX ) : Consumers can exercise the right to opt out at any time. I have formally opted out of COLONY/THRGH COUNTRY DOOR 's reporting services and sharing of my information. 
Conclusion : COLONY/THRGH COUNTRY DOOR 's denial and ignoring of my opt-out requests and failure to comply with the FCRA and other privacy XXXX necessitate further action. I have the right to report these violations to the Consumer Financial Protection Bureau ( CFPB ) for a formal investigation. 
I am once again requesting COLONY/THRGH COUNTRY DOOR to honor my rights and process my opt-out request as mandated by law.