23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called XXXX XXXX on XX/XX/14 to attempt to make payment. I tried to see if they would settle and if they would I could pay in full. When it was told that it would only save me {$30.00} I opted to try and set up payment plan. The guy on the phone told me I needed to learn to pay my bills and if I had the money then I needed to know it should go to them. I tried to explain that it shouldnt make a difference whether I pay monthly or in full as long as they got paid. This is in connection to a bill XXXX dont feel I owe and have tried to dispute numerous times. He continued to attack me personally so I hung up. My husband then called to try and do the same and the guy kept talking over him and then called him a XXXX. I want this removed from my credit because they are in clear violation of the Fair credit collection act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit report for Experian that are not my accounts. These accounts were opened up without my knowledge and are fraudulent. The accounts are listed below. 

XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX
Product: Debt collection

Several times I have reached out to Commonwealth Finance regarding this issue. During the time of this service, I was incarcerated and the XXXX XXXX of XXXX Ohio covered all medical expenses. This debt was sold to Commonwealth Finance who reported this account on my credit report as being in collections. I do not owe any balance and would like to stop being harassed by this company. This company has sent me numerous amount of letters and I have asked that they work with the medical facility to bill the XXXX XXXX  XXXX XXXX. As a prisoner, I do not pay for any XXXX XXXX and after i was released from the XXXX XXXX I became insured by XXXX. This company has ruined my credit with its false reporting and has not attempted to resolve this issue at all.
Product: Checking or savings account

Attached is a periodic email communication I receive from PurePoint. Is it really fair to permit them to limit the interest rate comparison of their savings account product to other banks that pay less interest? Isn't this cherry-picking and misleading and fraudulent to permit them to omit from this comparison banks that pay more in interest than PurePoint.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

The account is furnished to XXXX XXXX XXXX as reported 30 days late as reporting is trafficking my financial assets which violates FCRA 605C, all other accounts with XXXX  are restricted from use also as debt bondage. Auto loan was paid in full when check {$21.00} was submitted with instructions if cashed by XXXX  on XX/XX/year> pursuant to o.c.g.a 13-4-101.
Product: Debt collection

On XX/XX/XXXX i sent a certified letter to Sequium Asset Solutions , LLC asking for debt verification in regards to a collection letter they sent me. It said to contact them if I disputed the debt. I did dispute the debt. Attached, you will find the letter I sent along with all of the verification that they did receive my request. IE : Certified Mail receipt and Fax confirmation page. 

It has been two months and I still have not received verification of debt. This is still showing on my credit report. It needs to be deleted immediately.
Product: Debt collection

Because Gold Key Credit were ordered to stop operations in the state of Arizona for operating a collections agency without a license and to pay a civil penalty of {$10000.00} in XXXX I am concern about their actions as it relates to this alleged account. 

On XX/XX/XXXX, I received a message from XXXX XXXX and XXXX XXXX through XXXX, the debt I allegedly owe was reduced {$1000.00} Down to {$0.00}, however when I called to confirm, they stated that I still owe the alleged debt. 

Once I gave her the information required through her questioning, she said do I know why my mail is being returned from that address. Then she reaffirmed her statement by saying what I am trying to say is we are trying to mail to this address and your post master is sending back that I don '' t live there. 

On XX/XX/XXXX at approximately XXXX XXXX, on a recorded line, Gold Key Credit Inc. used misleading information alleged that the postmaster is sending back their mail and that I don't live at the address. Then she said that you are advising me that this must be an error and this is your current mailing address. I never stated anything about my address being an error. 

Then when asking her why did they reduce the amount from {$1000.00} down to {$0.00} she said they did not reduce the amount and the balance is still owed, however XXXX admitted other phone that, that information came directly from the creditor XXXX   XXXX XXXX/Gold Key Credit back on XX/XX/XXXX. And I saw written prove on XXXX and XXXX XXXX which is attached to this complaint Then she said that validation was sent of XX/XX/XXXX, but she just said that postmaster said that I did not live at that address so how is this possible. And her response was we cant be accountable if the mail was return, however I have 3 responses from that they sent through the mail. She also stated that I have a cease and desist on my account and they are not going to be sending me anything. I explain which I am sure the agency knows the validation specifically state only to do written correspondences which is another misleading statement. 

I inquired as to why they decreased the debt down to XXXX  and she stated that she did not notify the credit bureau that your balance was XXXX.
Product: Checking or savings account

The problems started - I started getting strange messages saying that a payment was allegedly late. 

That did not make sense - because I was signed-up for auto-matic payments! 

This started happening with more companies. 

I phoned Wells Fargo. 

Then there was a human to human conversation! 

I was informed of MORE problems! 

Will explain more details when I am in better health & I have more time!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see the assignment contract from the collection agency and creditor for the account listed below. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

ACCOUNT : XXXX XXXX XXXX XXXX : {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is reporting on my credit report that does not belong to me. I have never had a cell phone plan or a credit card. EVER! I only use pre-paid phones. And I have never used a credit card in my life. At the time that these accounts were opened, I was XXXX. I complained to the FTC and also the FBOP because I am unable to obtain work or ever get a cell phone plan Please remove these items from my report XXXX XXXX   XXXX  - Opened XX/XX/2018 Balance {$1200.00} XXXX XXXX XXXX - Opened XX/XX/2018 Balace {$460.00}
Product: Credit reporting

I recently saw an article about how the CFPB fined the XXXX major Credit Bureaus. The article encouraged consumers file complaints if they have any. 
I am writing this letter to file a complaint against XXXX regarding a request I made to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all XXXX Credit Bureaus. 
When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into XXXX XXXX a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to XXXX and to XXXX numerous times for their review and to this day still no response. 
XX/XX/2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those XXXX accounts should have helped restore my credit history and generate a Credit or FICO score for me.
Product: Debt collection

Wakefield XXXX XXXX XXXX has continually sent mail to my house in reference to an XXXX Charge from XX/XX/XXXX in the amount of {$130.00}. 

My medical insurance has confirmed multiple times this is covered and was paid through the insurance agency. 

After multiple calls with the debt collection agency we were advised to send a letter with exact information to confirm this in XX/XX/XXXX. A letter was sent but the agency said it was not acceptable and asked for a second letter. A second letter was sent in XX/XX/XXXX. The agency continued to send letters. 

During one of these calls the agent was incredibly rude and advised it was useless to talk to anyone but them.

My insurance company tried to call the dot collection agency and resolve this but another letter was sent on XX/XX/XXXX. The agency will not stop contacting me no matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : FREEDOM PLUS XXXX Date opened XX/XX/XXXX Balance : {$4600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I apply for a credit card over two weeks again. I get a letter in the mail. Saying I was denied do to my score being a XXXX. I called XXXX  to get this taken care of. Because on there web site it show my score as being a XXXX. Also there are thing that I have paid in full and its showing on those account they are derogatory marks when accounts have been paid in full. I have apply for credit cards and get denied all the time because of this. Also Trans Union put a freeze on my account. I have called and sent in request to have it removed and its still there. I am not happy at all because my other credit scores are in the XXXX. 

Thank you so much for your time
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my account was suspended suddenly for no apparent reason. I received an email telling me to upload proof of identification. I uploaded pictures of my driver 's license to the company. 

A few days later, on XX/XX/XXXX, I received an email saying my account was permanently suspended. I sent a reply directly from that email, as I was instructed to do by the company if I wanted to reply, and asked for clarification about the issue and asked if there was some case of fraud. 

I received no response for several days. 

I sent another email via their website asking for more information regarding my account. Then, a few days later on XX/XX/XXXX, I got the same canned response saying that my account was permanently suspended without any explanation other than that I " violated '' their user agreement. 

I had not made any transactions on this account since XX/XX/XXXX so I suspect some misunderstanding is happening here that the company refuses to correct.
Product: Payday loan, title loan, or personal loan

I'm writing in regards to XXXX XXXX to inform you that this company is taking advantage of military dependents. I took out a payday loan with this company in XX/XX/XXXX in the amount of 970.00 dollars. This company has been taking money out of my account every pay period in the amount of 290 plus a pay period, which is over 580 dollars a month since XX/XX/XXXX. I was never informed that I would need to pay 780 percent interest on a 970 loan, that would amount to over 6500.00 needing to be paid back. 
this is an abusive organization and when I called to complain today XX/XX/XXXX because they said I still owe 1300, but only if I paid today the whole amount. otherwise they said they are going to take out 5 more payments at over 290 a payment. How is this company even allowed to operate and charge people 780 interest? 

They need to be investigated for violation of the military lending act.
Product: Bank account or service

On XXXX XXXX, 2015 I contacted Capital One Fraud Dept regarding my stolen funds {$68000.00} plus interest loss at least {$1300.00} and my time {$200.00} per hour to collect my loss. I told the Rep XXXX that based on the terms and conditions, the funds can not be releasd to the preson who was NOT the signer on the account. Also the terms and conditions never listed Guardianship. I can not get any assistance from the Rep XXXX, therefore I ask his supervisor. I never received any contact within XXXX hours. On XXXX XXXX, 2015 I contacted the bank specialist via Chat. However I still can not get any assistance. I was notified by the specialist to sue Capital One the court in order to get my loss back. Her name is XXXX. She constantly use excuse that I need to log into my account when I was in secure online section. She also used " enjoy your day '' etc words to harass me. On XXXX XXXX, and XXXX XXXX, 2015 I visited local branch two times to express complaint to branch manager regading stolen funds. I have given federal court paper showing NO guardian to the branch manager on XXXX XXXX, 2015. I feel my personal information and my savings are extremely unsafe at this bank. Since XXXX 2015 I filed my complaint, it 's been more than XXXX months I can not get my stolen funds back. I am asking if the bank continue to bring me financial loss and harm, I have no choice but to take them to the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the following companies that have a hard inquiry on my credit report on Equifax and they have no knowledge of me. 

XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022
Product: Credit card

I applied for a balance transfer card with XXXX on feb. XXXX 2025. I was approved, got email verifications and got my card. 

XXXX XXXX 2025 I got a letter in the mail from XXXX XXXX with a brand new card asking me to activate now so I may use my card. I DID NOT activate that card. Instead I called XXXX XXXX to dispute and inform them that I did not apply for this card. They Said the investigation could take up to 60-90 and that in the meantime I was to fax them my social and drivers license, I told them I was not going to do that at all. They then gave me a case # XXXX. I asked for them to send me email verifications and I still have yet to see any of that. I also never received any emails about this account prior. 

Then the following day I received another piece of mail from XXXX XXXXXXXX XXXX saying that they had denied by credit card account application due to to many inquiries. I connected XXXX and disputed only the XXXX XXXX, and then dispute the XXXX XXXX with XXXX. 

Last night I received an email from my bank informing me that my credit score had dropped XXXX points! I looked into my that and saw two most credit cards. I have not seen anything in the mail for those at this time. 


Here are all the cards that I did NOT apply for. 
XXXX - XXXX XXXX 2025 Barclays Bank - XXXX XXXX- have no documents at this time XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX- Have not documents at this time I know about the ones with no documents because they are showing up on my credit report. 

As of this moment none of them are showing a balance.
Product: Credit reporting or other personal consumer reports

In accordance to 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 XXXX  XX/XX/XXXX Account name : XXXX XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Account name XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX  XX/XX/XXXX Account name : XXXX XXXX XXXX  XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX  XX/XX/XXXX Account name XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX  XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Account name : XXXXXXXX XXXX  XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name XXXX XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX  XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXXXXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/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.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have an company XXXX that I know nothing of that keeps pulling my credit for no reason. I have n't applied for any credit cards due to the fact of trying to fulfill 2 past ones on my credit. I also placed a fraud alert on my report and have n't received not one call from companies while there are still being hard inquiries being reported on my credit report. It 's quit frustrating when the credit bureau does n't believe you and your already in a stressful situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I applied for a XXXX XXXX Credit card. At that time my credit was in need of serious repair and I believed a low limit store card would allow me to build better credit. On XX/XX/2019 I was approved for a {$500.00} limited. 

I have made several small purchases over time. Each time I have paid the card in full, including my last payment in XXXX XXXX for {$57.00}. The balance on the card was {$0.00}. 

XXXX XXXX I received a letter from XXXX XXXX that XXXX XXXX was using information from Trans Union to cancel my account. Furious I reached out to XXXX XXXX because I believed they improperly pulled my credit history. The representative said they did not pull it, it was provided to them by Trans Union. 

XXXX XXXX was authorized to pull my account in XXXX to make a credit worth decision. The credit bureau was authorized to release it at that time. The credit bureau is not authoized to repeated send my creit report to my credit cards monthly and doing so in this case has actually negatively affected my credit that I was working to repair. As other inquiries will see that XXXX XXXX took this action. 

My complaint is on both parties and I will consider filing a suit against both, but first I would like to file a complaint here.