23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent a letter to them that states the debt is not mine it is over 10 years old The name the address is not correct on the response. Also requested proof of last payment, there licensed to collect debt and proof the debt is mine. no response back other than a copy of some else info I Never open any account under a XXXX XXXX I NEVER LIVED AT THE ADDRESS THEY STATE ON THE FILE. My signature does not come close. II have received calls from this company several times. Sometimes they answer other times they just listen or hang up. I have no business with them and they keep calling. I have reported other number they used to the FCC and now they are calling from a different number. My rights keep being violated They have called my son stateing that I will be arrested if I do n't comply to there demands. They have called me countless times. I have no unpaid debt and do n't know what it is about. I have returned their calls numerous times and answered the phone when they call so I can get to the bottom of this, but I can not reach an actual human being. Their outbound calls are automated. They do not pick up the phone when you call back, so you either leave a voicemail that is never returned or get an error message that does n't allow a message to be left. Unprofessional business practices .I have contact a law firm XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed 8 vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : DELETE THIS FROM MY CONSUMER REPORT OR I'LL TAKE THIS TO ARBITRATION.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Bank ok America allowed XXXX XXXX XXXX too open an account under my company name XXXX XXXX XXXX an I'm the sole owner of the company an cashed checks from XXXX, retail security, XXXX apts, an my other of my clients using a blacked out paper with my name blackened out ... this activity was fradulent these were funds embezzled from my company n employees ..without throwing up any flags ..an that's bad business practices an grounds for a claim an law suite .
Product: Credit card or prepaid card

I use XXXX for shipping. XXXX would say pay XXXX rate and then upon paying would change the number to a higher number. I contacted XXXX and they did not have a viable answer. I contacted Wells Fargo to submit a claim that they accepted and reversed the charges. This continued for XXXX  months. Then Wells Fargo REVOKED my card because they said I was XXXX  the card. This action caused XXXX  of dollars in damage and weeks of labor on my part to resolve. I have physical evidence of all of this. 

Last night afetr extensive discussions with XXXX we did figure out there was a problem with their computer system and my account. My account was ported to a new account and everything work exactly as it should for shipping. 

To date Wells Fargo has not even explained why I was punished for the correct action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX  accounts 1. XXXX XXXX XXXX # XXXX  XXXX 2. XXXX XXXX  # XXXX XXXX 3. 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 permission.

I also have a derogatory mark that was caused account number 2. Listed above.

I also have disputed removing my hard inquiries from my account and they have not done that for me either.
Product: Checking or savings account

On XXXX XXXX, XXXX  I receive a notification of a low balance in my checking and saving accounts. I checked out accounts via the app and notice my balance was XXXX  and the money in the accounts was placed on a hold. I called Bank of America consumer service number, the representative stated my account is flagged as deceased. I needed to bring in 2 forms of ID and letter from SSA. I brought in everything they required and they haven't rectify the issue of reinstating my accounts and debit card. I unable to receive my paychecks for work, pay my bills or buy my XXXX XXXX.
Product: Checking or savings account

PNC Bank does not allow its members to connect their account with outside services. I have encountered this issue while attempting to setup an account with the popular trading service, XXXX. Why would members not be allowed to use their account in a manner they respectively see fit? I can understand needing further approval or a in-depth and more cohesive approval method, but to outright deny members a service without apparent reason, or choice for that matter, is outrageous and should be regulated or at the very least scrutinized. Thank you for consideration in this matter. I hope many members can benefit from this inquiry. 

Regards
Product: Payday loan, title loan, personal loan, or advance loan

OneMain misled customers into believing they needed to buy add-on products to get a loan OneMain failed to refund interest to customers who canceled add-on products within the " full refund period '' OneMain charged and failed to refund interest on add-on products that customers didn't agree to buy
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Convergent Outsourcing Inc., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX, XXXX on behalf of XXXX XXXX. The letter claims I owe {$180.00}. 


In XX/XX/XXXX, I was the victim of identity fraud. I reported the fraud to the consumer reporting agencies and all the companies listed in my credit report with fraudulent accounts, including XXXX. I sent all the supporting information to XXXX, but they never responded. All the other companies determined that I was not responsible for the accounts and notified the consumer reporting agencies to remove the false accounts from my credit profile. 

I later started to receive calls about the debt from collectors on behalf of XXXX. I informed the collectors ( and XXXX again ) about the credit fraud. I thought the matter was resolved. 

And now I have received a letter from another collection agency on behalf of XXXX. I want them to update their records and stop trying to collect on this fraudulent account.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Student loan

I was never given the option to make payments based on my income. All that they did was offer me a forbearance which caused my interest to keep increasing and I was never told about any other option that I may have qualified for to pay back on my loans.
Product: Debt collection

On XXXX I was notified by my employer that the law offices of Robert J. Colclough sent a wage garnishment letter for a credit card debt they claim I owe. 

This came out of the blue, I didnt receive anything from this law firm prior and was shocked to see they claim I owe {$6200.00} and the letter had judgement original date of XX/XX/XXXX then new renewal judgement date of XXXX. 

I called them immediately and spoke with a guy they called XXXX XXXX : I told him I did not owe this or had no idea of credit card debt, he was very rude, I asked him to send me proof of the debt and our call ended. 

They have asked that my paychecks be garnished at 20 % and the garnishment letter states the original amount due was {$3900.00} + {$2300.00} in interest. Ive also read similar reports about the practices of this firm.
Product: Credit card or prepaid card

Internet full of complaints against Comenity Bank 's practice of incessant phone calls ( mostly robo but once in awhile a voice mail from a person urging my wife to call, but never saying why ). NEVER have gotten anything in mail. We're 100 % responsible paying off our Mastercard in full every month, which has nothing to do with Comenity. 

No idea why we get relentless calls and we are on the DO NOT CALL list. Internet advice from consumers is that this is a totally shady company and not to call because reps are awful and don't listen to request to stop calling. 

Comenity Bank should not be allowed to operate this way. Phone numbers we see : XXXX and XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Upstart ( XXXX XXXX XXXXXXXX ) sent a letter offering rates starting at 7.8 % APR. Upon moving forward with the process, they offered 24 %. When I moved the slider to the lowest loan amount, it was still 20 %. They shouldnt be allowed to advertise a low APR if they arent willing to give that to the most qualified borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to XXXX  for alleged debt through XXXX explained that this alleged that was not mine at all, and that I need to have verification of alleged it. If Im being demanded to pay a representative explained to me that that will be noted in the system, and that theres no need to validate a debt if you claim that is not yours. And never heard of an update of my dispute. Still, this company is reporting on my credit monthly
Product: Credit card

Midland Credit management Inc. as a sign of the XXXX XXXX XXXX  is trying to file a claim and is requesting judgment against me for a credit card that Ive never opened. They filed a request on XX/XX/XXXXXXXX XXXX XXXX. I have told this company in the past that I have no knowledge of this account being open and it does not belong to me. I need assistance getting this issue resolved.
Product: Credit reporting or other personal consumer reports

I attempted to access my TransUnion credit report and credit score multiple times, making at least 20 attempts within 24 hours but, I was unable to retrieve my data. This inability to access my information constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, TransUnion is required to provide secure online access to my credit data while verifying my identity and safeguarding my information against unauthorized access. The failure to grant me access to my credit report and score denies me the ability to review and dispute any potential inaccuracies, which is a fundamental right guaranteed by law. I am filing this grievance with the Consumer Financial Protection Bureau ( CFPB ) to seek redress for this issue and to ensure compliance with FCRA requirements.
Product: Credit card or prepaid card

I've started receiving hang up calls from Comenity Bank/XXXX XXXX on my cell phone and today ( XX/XX/21 ) they've left messages on my brother 's phone giving a misleading bank name. I called the message phone number left on his phone and found out it wasn't " XXXX XXXX '' but Comenity Bank/XXXXXXXX XXXX. The collection agent " XXXX '' was very rude, wouldn't let me talk, kept contradicting me as to whether I made payments ( I have ) and refused several requests for the address for their Customer Service Department. Finally he gave it to me and then started another rant non-stop and I hung up. I'm sending them a cease and desist letter per the Fair Credit and Collections act but I don't like the threats he was making so I want to register a complaint. I had an agreement to make payments monthly at {$20.00} a month, actually have been making them at {$30.00} a month and they state that what I pay doesn't even touch the principle of my account! I want the calls and rude threats to stop.
Product: Debt collection

They claim I owe for merchandise I do n't remember ordering and never received from CA and IN. 
XX/XX/XXXX, company name : XXXX XXXX and XX/XX/XXXX, company name : XXXX XXXX XXXX . 
Original amounts : {$92.00} and {$97.00}, which as ofXX/XX/XXXX, the total comes up to {$270.00}, including other charges, penalties, interest, etc. 
I have repeatedly informed them I never received this merchandise, and they keep on sending mail, and I keep on receiving constant telephone calls. 
I have asked them to provide proof of anything ordered by me with my signature affixed to any purchase order, or something similar, and they have not complied with that request, due to the fact that there is no such paperwork in existence. 


































































4
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX have violated my consumer rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple credit inquiries on my report that I did not authorize. I have disputed these inquiries several times and they have not removed any of the unauthorized inquiries. I disputed these inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have failed to thoroughly investigate my disputes and continue to validate the inquiries.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX, account # XXXX SYNCB/CARE CREDIT, 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 an account without 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: Vehicle loan or lease

XX/XX/2020 I contacted Bridgecrest requesting new payments dates because I got a new position and my pay schedule was changing. I was informed that because my loan was new I had no options XX/XX/2020 I contacted them to see if I could get adjustments so that my credit score would not be negatively affected they said they could not help me. 

XX/XX/2020 I contacted bridgecrest again by phone and I was able to catch my payments up. I asked for review of the two missed payments reported and they said they could do anything about it. 

XX/XX/2020 I wrote a letter asking to have the payment history adjustments ; no response from Bridgecrest. 

With the shock of the nation and COVID I have maintained a good payment history for majority of this loan. I believe that my payment history on my credit report should show that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time that I have had to do a police report because the credit bureaus keep allowing someone to open accounts in my name. I had my car stolen with all my personal info in it about 4 years ago and ever since then someone keeps doing this. I mailed everything the credit bureau asked me to mail to them as proof and they only took off one or two of the accounts not all of them. Also two of my credit cards are showing as more than 30 days late and they were not. I sent in receipts and my bank statement as proof they were paid on time and they are still showing late on my reports.
Product: Credit reporting or other personal consumer reports

I recently was hit with a 30 day late payment when I actually made a payment. XXXX XXXX XXXX XXXXXXXX also told me my minimum payment due was around {$3000.00} but when my credit report updated, it only said my minimum due was {$440.00}. My statements never said that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am really trying to get someone to help me. I have been trying to help my brother with college and I reached out to you e.11 before about things on my credit that is not mine. Can you please remove from my credit so my baby brother can start back school. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX. There are several inquiries as well that are not mine 1 XXXX XXXX/XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.
Product: Credit reporting or other personal consumer reports

The response to my last dispute with company didn't resolve the issue at hand, I never claimed that the account wasn't mines therefore no police report was required, but what was sent to you and the company is that I was a victim of Human Trafficking bondage debt and was manipulated and forced to purchase this vehicle under duress, I was forced to do many things that weren't in my control, I sent supporting documents from the agency who helped me and still assisting me with getting my life back in order. 
XXXX XXXX account number XXXX has violated my rights as a victim of XXXX XXXX under 22 U.S.C. {$7100.00} ( XXXX ) or XXXX XXXX under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142 ( see attached rule ). They didn't take precautionary measures to assist me with this situation and disregarded the laws altogether. 
This is not acceptable and I am requesting once again for CFPB complaint XXXX to be reviewed again and taking care of immediately, the law states you have 15 days to correct this issue. If I don't hear in a timely manner I will be consulting with an attorney.
Product: Credit reporting or other personal consumer reports

I've been trying to get unauthorized hard pulls from my credit report since XXXX of XXXX thru XX/XX/XXXX, each time if file disputes with Transunion and XXXX nothing happens, i have a XXXX and I'm and XXXX American, the unauthorized hard pulls on my credit report prevent me from getting car loans, I've attached again a new record of dates, i filed a complaint with local XXXX against XXXX XXXX XXXX XXXX, they refused to remove the unauthorized pulls. I'm currently under doctor 's care because of my decreasing health due to chronic XXXX XXXX i get from riding a city bus, this has been going on for over a year. I'll be reaching out to the FTC on Tuesday for help. XXXX and Transunion recently got fined millions of dollars for activity like this to renters, they're doing the same to people of XXXX when it comes to credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this debt with Enhanced Recovery Company with no resolution. I sent a certified validation letter on XX/XX/ in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. Enhanced Recovery Company received the certified letter on XX/XX/ and has yet to respond to my request. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.