23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am receiving almost on a daily basis a call from Island Finance trying to collect a debt from a person that I do not know. They say that I'm a reference contact and I have never consented to being a contact for anybody. Moreover, I not know who the person they are trying to contact is. 
I have told them this and the collector refused to believe me and keeps calling. I called their customer service line and reported the situation and the caller, they told me they would investigate and remove me from their calling list. Yet I still receive calls. I am currently blocking these calls but the collector keeps leaving voicemails asking for this man that I do not know.
Product: Credit card or prepaid card

For the past several months, Comenity has stated they were in the process of upgrading their system. Initially, I couldn't even access recent transactions and could only make payments without reviewing any charges. They finally fixed that issue, and now I can not apply my rewards as a statement credit or access them any other way. WHEN you can reach customer service, they state I can see more than they can, that they can't even see my rewards balance. Each time I try to " request a statement credit '' with my rewards, I receive an error saying the rewards can not exceed the statement balance. It doesn't, and I get the error regardless of the amount I try to apply. Comenity keeps saying they are " working '' on it, and it is an upgrade to the system. System upgrades should NOT take over 4 months to complete. In the meantime, I can't access or use the rewards Comenity / Bread Financial advertised to get me to sign up for the credit card. I pay my balance in full each month and expect them to honor their advertising. Each time I leave them a bad review somewhere, I get a generic email response about how important my opinion is and how they are working to resolve the issues, but NOTHING ever gets resolved! Rewards aren't any good if you can not use them and I feel this was false / misleading advertising to get people to sign up for their card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act Portfolio recovery account # XXXX, has violated my nights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions. Therefore I demand this account to be removed or deleted. 
Or my next steps will be contacting the attorney general regarding this matter
Product: Credit reporting

In my credit report shows the following hard credit inquiries that have never authorized : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Card ( XXXX/XXXX/XXXX ) XXXX XXXX ( XXXX/XXXX/XXXX ) XXXX ( XXXX/XXXX/XXXX ) Please delete all credit inquiries that I do n't authorized.
Product: Credit reporting or other personal consumer reports

There is inaccuracy reporting on my Credit report, it shows XXXX missed payments for XXXX  XXXX XXXX XXXX, XXXX Missed payments XXXX XXXX, XXXX Missed XXXX XXXX XXXX XXXX, XXXX Missed XXXX XXXX XXXX XXXX. 

I also looked at my accounts and seen accounts that was closed that I never had. These accounts were : XXXX XXXX XXXX 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

My credit report has information that is incorrect. 

Delete Spouse XXXX. Delete phone numbers XXXX, XXXX. 

Delete following employers permanently : XXXX XXXX XXXX, XXXX XXXX Display Packaging XXXX XXXX XXXX 

Delete following addresses permanently. 
XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act These Accounts ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
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 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 Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX
Product: Credit card

In accordance with the fair credit Reporting act Nelnet account # XXXX, has violated my right. 

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 without my written instruction.

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, credit repair services, or other personal consumer reports

Equifax is the bane of my existence! I have been dealing with them and these issues for over 3 years! They lie through their teeth about actually taking care of anything. I have been the victim of identity theft about 3-4 times so there is all kindf variations on my name. Bills, addresses, and phone numbers of states I never been to like FLORIDA! I was told I needed to reestablish credit. I tried, and due to their incompetence, I was turned down. Also medical bills are on my account that the hospital never reported to my insurance company due to the fact they illegally held me against my will. I called my insurance company and they had no idea that I was admitted to a hospital in Ohio which abused me, and tried label me XXXX XXXX to protect themselves and retaliation. Medical doctor laughed in my face, and bragged they were teaching me a lesson for reporting their illegal practices to the federal government. I confronted the hospital, and they claim there are no records of me that exist in their databases. Equifax is not doing their job. I plan on suing them if I have to for damages because of all the hassle, and frustration this has caused. Enough is enough!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several disputes with Transunion XXXX XXXX. I have also called and tried to reason with the company by telephone. They are reporting incorrect information on 3 accounts : A loan from XXXX XXXXy is showing open with a {$4000.00} balance that is paid in full, a XXXX XXXX credit card that is closed and part of a chapter 13 payback plan is showing open, and a XXXX XXXX is showing I am over my credit limit when the balance is actually only {$55.00}. I have sent a copy of the loan documents stamped paid and a letter stating the loan is paid in full. I have provided a copy of my bank records and a printed receipt for the payment to XXXX for {$660.00}. I have also provided proof that the XXXX XXXX card is included in a chapter 13 and should not show it is open with an {$800.00} limit available. The refuse to acknowledge the XXXX account exists yet, it is clearly there on my credit report and say that they have to go by what the company tells them even if I provide proof of payment. They are completely uncooperative. They are reporting a XXXX XXXX XXXX while XXXX and XXXX are reporting XXXX and XXXX credit scores respectively. This is preventing me from buying a home. I have struggled with Transunion for more than a month trying to get these items reported correctly. I am a person who is being negatively effected by their lackadaisical attitude toward this matter. I need help and do not know where else to turn.
Product: Credit card or prepaid card

My cash app has been hacked numerous times now including my stimulus money
Product: Mortgage

I SUBMITTED A COMPLAINT REGARDING MY LOAN THAT IS SERVICED BY BAYVIEW LOAN SERVICING FOR XXXX  XXXX XXXX, REGARDING THE PREDATORY LOAN I HAVE WHICH HAS DIRECT VIOLATIONS TO THE TRUTH IN LENDING FEDERAL LAWS THAT IS STILL UNDER INVESTIGATION, WHICH BAYVIEW IS FULLING AWARE OF BUT THEY ARE STILL TRYING TO MOVE FORWARD WITH THE FORECLOSURE OF MY HOME ON XX/XX/19
Product: Credit reporting, credit repair services, or other personal consumer reports

This was my follow up submission of my concern regarding these listed inquiries which I sent a letter to the Experian, XXXX and XXXX Credit Bureaus dated XX/XX/XXXX. And I am asking for help from CFPB to make the mentioned 3 Credit Bureaus will do with professionalism in addressing my inquiry removal request. Please, Here is a list of inquiries that don't belong to me or were opened without my permission, and in need of deletion from them : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies should block any information in my file that I identify as resulting from alleged identity theft within four business days of receiving the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to fix reporting on XXXX auto leases {$14000.00} & {$13000.00}. They sent an email XX/XX/XXXX stating that they verified the accounts and the name of who they verified it with at the Dealership. ( the person they listed has not worked there for over 5 years! Attachments with this complaint ) this was verified to me by the dealership on XX/XX/XXXX, as well as they also verified that Experian has yet to contact them about said dispute... These are BLATENT VIOLATIONS of the Fair Credit Reporting Act and I want if fixed or deleted immediately. The lease was current every month and then they ( Experian ) stopped reporting in XXXX of XXXX and listed it as a XXXX for no apparent reason??!! XXXX kept reporting as current. When I contacted Dealership back in XXXX, they said to dispute with Experian and in turn Experian would contact them and then they would let Experian know they are reporting correctly and Experian is the one who is making the mistake. Experian has never contacted them per many phone calls and emails with my creditor!!! Experian is required by federal law to verify THROUGH PHYSICAL VERIFICATION of the original signed consumer contract, any and all accounts they post on a credit report as well as have " said original signed consumer contract on file ''. Failure to positively verify these accounts has hurt my ability to obtain credit. Experian DID NOT VERIFY and FALSLEY CLAIMED THEY DID WITH AN EMPLOYEE THAT HASN'T WORKED THERE IN YEARS AND MUST REMOVE FROM OMY REPORT! THEY HAVE ALREADY REMOVED THESE 2 ITEMS FROM MY WIFE 'S CREDIT REPORT FOR THE SAME DISPUTE REASON WITH THE CFPB AND THEY ARE JOINT ACCOUNTS WITH THE AUTO LENDER!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the information on my credit report regarding account number XXXX with XXXX XXXX and with Experian credit Bureau XXXX XXXX and Experian continues to report inaccurate and inconsistent information pertaining to my CLOSED account. They both report the account is closed but posted late payments, but now reports XXXX 's, the car was repossessed and the acccont was closed, so there should be no late payments or any type of reporting after XX/XX/year> of this account. Experian refuses to reply to my complaint through the Consumer Financial Protection Bureau as they are obligated too, but communicated through there platform ( see attached document ) when I made my first compliant with them through the CFPB XXXX of which they are both obligated to me and the CFPB to detail the steps they have and are taking to resolve my issue. 

Because of the constant and inconsistent reporting of this account by both XXXX XXXX and the Experian credit bureau I am strongly urging the CFPB to do a legal investigation into both named parties in this compliant
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 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

On XXXX/XXXX/2016 a dispute was initiated through the CFPB porthole with respect to erroneous accounts being inaccurately reporting on my Consumer Report and for Equifax failing to provide me with accurate information as to who furnished the alleged accounts per Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). ( See : CFPB ref # XXXX ) A search of the Equifax site revels that the company has not initiated a formal investigation as stated in their response through the CFPB porthole on XXXX/XXXX/2016. ( See : CFPB ref # XXXX ) Equifax continues to violate my rights as a Consumer. ( See : Attachments ) I have provided all documentation required of me by law and Equifax continues to violate my rights. The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. Equifax also failed to initiate an investigation after receipt of notice of dispute. Additionally the company has received additional communications from me " the consumer '' during the review of the complaint. I have called the US Bankruptcy Courts-XXXX who Equifax alleges furnished the information at ( XXXX ) XXXX. The Courts informed me that they did not furnish the information to Equifax. Equifax refuses to provide me with the name, phone number and/or address of the Company who allegedly verified the inaccurate information. The following accounts are not mine and are inaccurately reporting on my consumer credit profile ; 1 ) US BK Court-Greenbelt # XXXX 2 ) US BK Court-Greenbelt # XXXX 3 ) US BK Court-XXXX # XXXX This is my final attempt to communicate with the company to correct their records ; and any information obtained shall be used for that purpose. This is not a statement, election, or a waiver of my rights.
Product: Debt collection

Stokes & Wolf , P.C . mailed a collection notice to friend who resides at a different address dated XX/XX/2022. This is not consistent with the practice of not contacting parties who were not listed on the collection notice in an effort to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not updated my Equifax credit score since XX/XX/2023. 

I have had many accounts deleted or paid in full, as well as credit card balances paid down and need my score to update so I know where my credit health stands as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In  general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XX/XX/XXXX inquiry from XXXX XX/XX/XXXX inquiry from Navy Federal Credit Union XX/XX/XXXX inquiry XXXX   XXXX XXXX I Called XXXX and XXXX twice they did not remove these inquires. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX DOB : XX/XX/XXXX
Product: Checking or savings account

Capital One didnt process my paycheck via direct deposit. They would not answer when called ( I was kept in a pre recorded loop ). I should have had my pay directly deposited yesterday XXXX. I have not received my pay.
Product: Checking or savings account

XXXX XX/XX/2021 Funded account with XXXX XXXX XXXX XXXX XX/XX/2021 Requested ACH disbursements totalling {$2100.00} XXXX XX/XX/2021 Contacted Wise customer service due to held transaction - submitted requested information XXXX XX/XX/2021 Submitted formation and identification information on website. 
XXXX XX/XX/2021 XXXX XXXX customer service to followup. They said it could take XXXX days for compliance to respond, that I didn't need to do anything. 
XXXX XX/XX/2021 Placed wire request for XXXX XXXX XX/XX/2021 XXXX XXXX Customer service. Was told to just wait. I said " thank you, may I know how long I should wait until checking again? '' The response was " I already told you, you need to wait '' and they ended the session. 
XXXX XX/XX/2021 Found email in spam from " XXXX '' requesting a statement on source of funds. 
XXXX XX/XX/2021 Customer Service assured me that funds will be released in the morning. 
Later XXXX requests detailed business plans and other private information. Later that was amended to an Official Notice from the sender of funds. 
We are a very small company. We don't know when the requests will stop, we can not pay our suppliers. This grant was a lifeline to help us stabilize our business after a very hard 18 months. TransferWise will likely cause our company to fold.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed that I had a few accounts listed that did not belong to me. I am not sure how these companies got my information or how they are even reporting that I owe them anything. Here are the accounts listed below : XXXX XXXX XXXX Bal- {$7900.00} Opened- XX/XX/XXXX XXXX XXXXXXXX Bal- {$3800.00} Opened- XX/XX/XXXX
Product: Credit card or prepaid card

I received XXXX credit cards in the mail from Bank of America that I NEVER applied for! XXXX was an XXXX XXXX XXXX and the other ; an XXXX XXXX. I received both cards in the mail out of the blue within a week of each other and each had at least a {$20000.00} credit limit! I called Bank of America and pulled my credit report to find that a XXXX XXXX  address was listed as my address and Ive NEVER been to Texas in my life! I have spent at least XXXX mins on HOLD, before I even get a representative, with Bank of America the last couple of days trying to get this resolved. Some criminal is trying to get credit cards in my name and Bank of America is failing to protect me from this happening. FURTHER, just yesterday ; XX/XX/2022 I get yet ANOTHER ID THEFT LINKED WITH BANK of AMERICA. I received a notification stating that I was denied opening a deposit account I also never initiated! Notice had info ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on it. I am currently back on phone WAITING ON HOLD AGAIN to speak to this banking institution after my previous call was disconnected after waiting on hold for XXXX!
Product: Checking or savings account

Citi Bank intentionally closed my checking and saving account without explanation, just based of my surname- XXXX. I have contacted Citi bank, but Citi employees could not provide clear reason and gave some false reasons. This is purposeful discrimination.
Product: Credit reporting or other personal consumer reports

I am writing to you with the utmost urgency to address a matter of great concern related to my credit report. It has come to my attention that there is an account listed on my credit report, which I strongly believe to be the result of identity theft and fraud. I am writing to aggressively dispute the validity of this account and request an immediate and thorough investigation into this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I place an order using XXXX app for the quantity of & XXXX. When I went to pick up the order it was cancel because I went after XXXX hours and system automatically cancel the order. I contacted the bank to dispute and XXXX. XXXX sent me The reversal code XXXX. The bank still closing the dispute because it not enough information. 

This is the letter what they bank sent me : Dear XXXX XXXX, Here 's an update on your dispute with XXXX # XXXX billed on XX/XX/year> for {$38.00}. 
At that time we began an investigation into your dispute and requested information from you. While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim. 
If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed. We apologize for any inconvenience. If you have questions, please give us a call at XXXX. We're available from XXXX XXXX XXXX XXXX XXXX XXXXXXXX, seven days a week. 
Sincerely, Capital One Transaction Support Center XXXX Capital One. Capital One is a fed