23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Discover Financial Services posted a negative statement I was late in making a payment. Not true -- XXXX XXXX XXXX of XXXX, XXXX issued a legal document, and notified Discover Credit Card that I do not owe them the UNAUTHORIZED charges they originally submitted back in XXXX 2015 for {$1400.00} and {$450.00}. 

I never did business with this company other than get an estimate via phone with XXXX XXXX. I believe that their Quality Assurance guy XXXX, after talking to my son, may have been the culprit for these postings the next day. 

I faxed all the executives in IL a copy of the legal document and also mailed a copy to their Dispute Center ( which incidentally told me via " XXXX '' to stop sending them emails ). I got no confirmation from them that they received this document. I called XXXX XXXX XXXX to help me, but apparently there was nothing they could do according to them. 

Discover has ruined my pristine credit of many, many years. I am recovering from XXXX in XXXX, XXXX and longing to go home to my state of XXXX and get proper medical treatment. 

Please help me. Thanks.
Product: Debt collection

CollecTech has still neglected to provide me with validation as requested by me and required by law. Please direct them to delete all unverified accounts from my credit reports. Thank you very much for your help in this matter, it is greatly appreciated. 


This company responded to my last CFPB complaint advising that this debt was verified. This debt was NOT verified lawfully under the FCRA. I have yet to receive any PROOF that I signed any contract to be in agreement with them and that I owe them any money. They did not send me proper verification ( WHICH I ATTACHED. ) They sent alleged account information. That is not enough. They need to send invoices bearing my signature or a contract bearing my signature to properly verify this debt under the FCRA. They have not and I am willing to pursue this matter legally as my rights are being violated. I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX. This is for XXXX XXXX XXXX XXXX for an address I am not associated with and never lived at. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Debt collection

On XXXX XXXX, XXXX I received a voice mail message from phone number XXXX XXXX XXXX  XXXX stating that they just held a preliminary hearing in reference to a debt going back since XXXX in the state of XXXX. I called the number back and the woman that I spoke with stated that they served me XXXX to my job and that they are going to garnish my wages and will seek the maximum amount of XXXX. I told her that I was not served any papers and what addr did they have. She refused to tell me since this is a " legal document '' and can not give me any information. I told her that I was going to contact my employer to see if they received anything and she told me that she could not give me any information or send me any information about the document they have. I currently am no longer in XXXX but in XXXX. After she put me on hold she realized that they sent it to the wrong addr. When I asked her to send me the papers she STILL refused to send my ANYTHING. I am currently XXXX with my daughter so I use my mother XXXX in XXXX XXXX. The woman then transferred me to their collections department XXXX LP XXXX ph XXXX no address listed ) and they told me they can accept XXXX a month. They sent me a copy via email to signed. I FELT LIKE I SIGNED IT UNDER DURESS BECAUSE THEY THREATNED TO GARNISH MY WAGES. PLEASE HELP ME. ANY ADVICE WILL HELP. I would have gotten a lawyer but I do not have the money. Thank you in advance.
Product: Credit reporting or other personal consumer reports

You allowed XXXX XXXXXXXX XXXX fake XXXX to cash two checks in my name that you your told me and decided to just now tell me about the one he cashed XX/XX/year> and XXXX still acting like 2 year olds unprofessional. Why did I received today on my credit report XXXXXXXX XXXX as an inquiry? Also, discovered your client XXXX XXXX XXXXXXXX XXXX in an complaint with the CFPB ending XXXX to XXXX XXXX the he has in addition to four credit cards two more additional credit cards in my name XXXX. Ending XXXX XXXX. Ending XXXX. 

Then XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays continually does a HARD credit inquiry EVERY month alleging " approaching credit limit '' which causes my credit score to not only go down BUT adds additional inquiries to my total destroying my score.
THERE IS NO REASON TO ADD HARD INQUIRIES EACH MONTH JUST TO SAY APPROACHING LIMIT AND RUIN MY SCORE.
This is an ABUSE of the credit reporting system and is done in retaliation by Barclays to attack customers holding balances on their account.
My account is current, NOT over limit and not in violation of terms and conditions STOP THE ILLEGAL HARD CREDIT INQUIRIES BY BARCLAYS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Main made a Hard Inquiry on my credit report with out my permission from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The date is a XXXX when their closed. They contacted on XX/XX/2022 to see what they could offer me. They called back on XX/XX/2022 with XXXX to consolidate the XXXX loans. 
I told them I would look them over and call back with my choice of the XXXX they offered. 
Called back the evening of XX/XX/2022 with my choice and was given an appointment time to sign on XXXX XXXX. When I show up for my appointment the associate hide the paper work behind her and I was told there was nothing available me. I was discriminated because of my XXXX. 
They told me I didn't qualify but on XXXX XXXX another XXXX inquiry on my credit report with out my permission and a second offer left on my voice mail offering additional funds. The loan they approved me for on XXXX XXXX wasn't what they verbally agreed on and caused financially hardship. Perfect repayment history lost because of my XXXX.
Product: Debt collection

This debt collection agency was placed on my credit report, however I have not received any mail verifying any information on validating this debt.
Product: Credit card or prepaid card

I am roughly about 60 days late on my payment for my credit card. I made a small payment XXXX weeks ago however Comenity Bank sees fit to call my phone using multiple number multiple times in a day in attempt to reach me. 

XXXX XXXXXX/XX/XXXX I received a call from Comenity Bank ( caller ID listed ) - No Voicemail No Caller ID - No Voicemail Potential Spam - XXXX XXXX XXXX - Bo voicemail. 

( I have answered the calls previously and they have all identified themselves as Comentiy Bank ) XXXX XX/XX/XXXX I have been called by No caller ID - 2 times Potential Spam ( XXXX Number ) - 2 times Potential Spam ( XXXX XXXX again ) - 1 time. 

Comenity also began harassing my family before trying to reach out to me I have had the same phone number for years so there was no attempt to reach me first.

None of these calls started until Comenity started to collect for the late payment.
Product: Debt collection

On XX/XX/2023 I contacted national credit systems inc to pay an old debt. It was from a lease that had been broken bc my life was in danger do to an abusive partner. I had put it off because I had other financial obligations. I went to rent an apartment on XX/XX/2023 and was denied because of this debt soley. So I tried to pay this debt in hopes it would resolve it. Initial contact the girl was nice. But said that they cant provide me with any receipts or proof of payment. That I would get my letter of paid in full via email within 24 hours. I said that wasnt acceptable I need a receipt or some for of proof that I paid. I got her supervisor on the phone and he was rude and aggressive. Told me I should have taken care of this sooner. But no receipts are provided. I said Ill pay online then bc I need to provide something to the apartment complex so I dont loose it. He said thats not his problem and if I pay online it will take 48 hours for the debt to clear. I chose to go online so that I had proof of payment on my end incase anything happened like that guy tried to claim no payment and pocket the money. 24 hours pass and nothing so I call back and Im sent to the supervisor who is nasty and aggressive! Telling me too bad I should have lived my life better. I started yelling bc I was beyond over his trash attitude. Told him if it wasnt resolved in 48 hours Ill contact my cc company bc this is fraud. He started saying go ahead and Ill lie and u will look like a XXXX bc its not been 48 hours. I told him he was a piece of XXXX or something to that affect and is doing this intentionally to hold my credit hostage. Bc I cant get housing without this off my credit report. And then he decides to say he is going to issue a refund. I told him he didnt have the authority to do so. And he kept saying nope thats what Im gon na do! Issue u a refund so u have to start the process all over. I told him I would pursue legal action as he is making fraudulent usage on my credit card without my permission. Last time I checked I used a secure payment source that shouldnt be giving my credit card details to the staff. It has now been 60 hours since I paid this debt and it is still not clearing. My credit card company said they paid out their part but the collection agency seems to be refusing payment. Also note I was paying the account in full. I have lost 3 apartment opportunities now bc of this!!!!! This trash human is ultimately and knowingly and intentionally refusing the paid in full amount bc I hurt his feelings. And he is holding my credit hostage making it impossible for me to secure a place to live and after tomorrow I will be out on the street.bc of national credit systems and the unprofessional behavior by its employees.
Product: Debt collection

I received no service for notice to appear or a final judgement. A Request and Writ for Garnishment was entered into the court on XX/XX/XXXX, and a tax refund garnishment took place in XX/XX/XXXX. 
I had no idea there was a collection action against me from this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/2023, I sent a letter to Experian asking them to investigate my credit report for accuracy. The investigation letter is attached below. They did not investigate nor did they respond to me in writing within the 30 Days required by the The FCRA, The Fair Credit Reporting Act, " says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. '' On XX/XX/2023, I sent a certified letter to Experian stating that they had violated FCRA by not investigating and responding within 30 days of my request to investigate and they must by law now remove All negative items reporting on my credit report. To date they have not complied.
Product: Debt collection

I have been receiving calls on a daily/multiple times a day basis since XX/XX/XXXX. The number that's calling me is XXXX. 
Call log - all times are central XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The calls are recorded, and in Spanish. The only way I found out the nature of the calls was a reverse lookup using an internet search.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REFERENCE TO COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 First, as a consumer I had no way of knowing I owe this debt. How can I dispute if the company failed to contact me? this is a VIOLATION OF UNFAIR CREDIT ACT LAWS ... there is no excuse for XXXX XXXX  to not contact me! 
XXXX XXXX  committed identify theft by illegally running my social security through all national credit bureaus PERIOD! after impact had illegally obtained all of my current info when they ran my social security number to illegally look at my info on my credit reports, XXXX XXXXthey still failed to get in touch with me yet still XXXX just posted this debt. that is how XXXX knew/found out XXXX had current info yet failed to contact me and EQUIFAX allowed this by just posting this dam debt too ect ... 

Throughout my investigation this debt was under XXXX XXXX XXXX who I rented from back in XXXX. Never paid late! I am demanding that this item LISTED BY XXXX XXXX that was illegally posted on my national credit reports be removed immediately due to the fact that this company XXXX XXXX violated credit unfair act law AND BROKE THE LAW TO OBTAIN MY PERSONAL INFO. 
I have filed formal complaint against EQUIFAX credit bureaus with anti-trust department in Washington DC and its XXXX because EQUIFAX also violated unfair credit act laws and broke the law and should indeed be closed. therefore, this item must be removed immediately from equifax credit reports and an apology letter sent to me asap! 
Both EQUIFAX and this company XXXX XXXX also violated my civil rights and unfair credit act protection under US constitution laws based on grounds that neither one of these parties EQUIFAX and or XXXX XXXX XXXX FAILED to notified me as a consumer to grant me any option to settle this debt.
Product: Other financial service

ON the day both social security and SSI XXXX fell on the same day the company shut down their computers sending most people home, in my case I lost money do to this disruption in my day, and they say they have no idea when the system will be turned back on.
Product: Debt collection

PNC Mortgage was notified of representation of the borrower on XXXX XXXX. Communication was sent to the Negotiator, XXXX XXXX, of the short sale to cease all communication with everyone except for the attorney. Negotiator continued to send communication to the borrowers and to the borrowers ' realtor. I called in XXXX and was told we would not have a counter until XXXX. A fax was purposely sent only to the realtor as to avoid communicating with the attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXXP XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180.00}
Product: Mortgage

I closed on a HELOC and was charged 2 times for closing costs ; Please investigate this bank- I filed a complaint with the consumer protection bureau regarding the processing of the loan before it closed and after it closed they made ANOTHER mistake that I just discovered, which was charge me 2 times for closing costs. The complaint I filed with the Consumer Protection Bureau was related to another matter, NOT this matter ; First Tennessee Bank is a financial institution that should be able to close a loan without mistakes. This is the XXXX mistake and almost {$4000.00} in their favor ; Where is this money? Who spent it? Where is the internal audit department at the bank and why did they not see they charged me two times for the closing costs? Why have they not contacted me to issue a refund? How can a bank balance their balance sheets with a {$4000.00} error in their favor and not research to determine the sources of the overage in their ledgers? Why not reach out to the customer to admit a mistake? Perhaps they charged me twice as a means of revenge as a result of the complaint I filed with the Consumer Protection Bureau. This bank needs to be audited by the Government- If they miss a {$4000.00} error, what XXXX customers have they taken advantage of? 

Thank you for looking into this matter, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This not a DUPLICATE report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below 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 a account without my written instructions. Account Name : U S DEPT OF EDXXXX Account XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Account # XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

THIS IS A NEW and UNIQUE CFPB complaint, not a duplicate. DO NOT AUTOMATICALLY CLOSE THIS CFPB complaint. 

Approximately two weeks ago I sent the following communication to Equifax, XXXX, XXXX, and XXXXXXXX XXXX XXXX regarding a XXXX XXXX XXXXXXXX account that my consumer right to opt out of sharing, as a federally protected consumer per 16 CFR 433.2 and 16 CFR 433.3, my nonpublic personal information with any nonaffiliated third parties, per 15 U.S. Code 1681b ( a ) ( 2 ) and 16 CFR 313.7 ( f ) and 15 USC 6801 thru 6809, which I hereby exercise and invoke this right. As a federally protected consumer, per 16 CFR 433.2 and 16 CFR 433.3, I now, and indefinitely, as well as retroactively, opt out of any and all authorization ( s ) I, the consumer, may have given XXXX, Equifax, XXXX, and XXXX XXXX XXXX written, unwritten, verbal, and non-verbal, per 15 U.S. Code 1681b ( a ) ( 2 ) and 16 CFR 313.7 ( f ) and 15 USC 6801 thru 6809.
Product: Debt collection

XXXX XXXX ( XXXX XXXX ) had XXXX sheriff serve notice of suit to an address that I no longer reside in front of children and neighbors causing great embarrassment to relative that purchased my property in XX/XX/XXXX. This document was not sealed giving access to my personal information and the nature of the suit. Relative read contents over the phone to me. In addition this agency ( XXXX ) had previously called other family digging for information on me and sharing personal information which violates my rights under collection laws This debt was factored or sold by XXXX to XXXX XXXX apparently. This debt had previously been placed with an Illinois agency by XXXX. They refused to negotiate a reasonable repayment plan after our rental property was damaged in Hurricane Sandy in XXXX. I will only negotiate and pay XXXX, not XXXX XXXX. 

I have never spoken with anyone at this agency ; nor was I notified of any legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC report, it was discovered that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am sending this Complaint to assist in laying out a lawful response. If you choose not to obstruct the following items recorded beneath that are responding incorrectly as a result of fraud. The following items must be deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I found a number of incorrect personal information on my credit report and I contacted Experian in order to resolve these. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights.
Product: Debt collection

PLEASE HELP AS THESE ACCOUNTS ARE NOT MINE AND ARE FRAUD
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. 

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

Commencing on or about XXXX of XX/XX/2022, I fell victim to two multi-layered scam operations run by someone which involved me making deposits for a total of XXXX USD from my Capital One account to fraudulent investment firm ( s ).