23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

MY MORTGAGE COMPANY QUICKEN LOANS GAVE ME THEIR NUMBER FOR XXXX  AT XXXX. THIS NUMBER CONNECTED ME TO A SCAMMER. THE AUTOMATED CAME ON FIRST AND ASKED FOR MY NAME, I PUT IN THE FIRST LETTER AND IMMEDIATELY A MAN WITH A FOREIGN ACCENT CAME ON THE LINE AND REQUESTED MY SOCIAL SECURITY NUMBER. I IMPULSIVELY GAVE IT TO HIM. THEN REALIZED THIS WAS NOT RIGHT. I TOLD HIM I FEEL UNCOMFORTAGBLE. HE RESPONDED, " I UNDERSTAND. '' I IMMEDIATELY HUNG UP AND CALLED XXXX AT QUICKEN LOANS. SHE TOLD ME SHE GAVE THIS NUMBER TO OTHER CUSTOMERS WITHOUT A PROBLEM.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than XXXX hours which shows first a real person did not investigate but instead an XXXX XXXX. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters. If it is determined that these accounts and inquiries were unauthorized, please remove them from my credit report without delay. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my report that do not belong to me and I have filed an identity theft affidavit and provided it to the company yet they remove to remove tne fraudulent inquires XXXX XXXX XXXX  XXXX XXXX XXXX XXXX They all.need to be removed
Product: Debt collection

company officers are showing up at my door step as early as XXXX and as late as XXXX at night. This hunt and henriques debt collector is out of control on XX/XX/2023 at XXXX person XXXX XXXX XXXX yells at my door that he want {$1200.00} in cash that i owe a debt to him, but when I ask to see the signed agreement He starts to kick the front door. I have the neighbors as witnesses. I told the fellow that not to bother me. The same guy XXXX XXXX XXXX shows up again on XX/XX/2023 at XXXX demanding that i must pay him {$1200.00} dollars that I'm also a winner of a cruise and to collect the prize i must pay him {$1200.00} dollars. he claims he works at hunt and henriques out of XXXX XXXX California. I'm very afraid to answer the door. I am a senior citizen. Please help me. I feel I'm taken advantage by demanding that I pay for something that has nothing to do with me...
Product: Payday loan

Received a loan from CashCall. Was given a {$1500.00} loan and now the interest rate is 129 %. CashCall is trying to collect an additional {$4100.00}. This company 's policies are horrible and they are taking advantage of people during difficult times. The distress that I have been under since dealing with this company has been unimaginable. I do not know how this can be legally allowed. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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, credit repair services, or other personal consumer reports

The entire consumer credit reporting system is flawed, unconstitutional, and harms US citizens.

Remember the banking crisis a few years ago when almost all the US banks failed due to making speculative bets on subprime mortages? The government had to bail them all out using taxpayer funds. I bailed them out. 

Remember when XXXX XXXX Bank failed and there was widespread fear of contagion spreading throughout the financial sector because these institutions are all houses of cards- overleveraged, interconnected, and underregulated. 

Why is an employer allowed to deny me a job based on the fact that I couldn't pay a cell phone bill XXXX  years ago or that I declared bankruptcy due to a divorce etc, but these banks can get all the money in the world at the snap of their fingers for fake digital coins and selling grey market loans - people 's savings and retirements gone the instant they collapse. It always falls on the government and thus the taxpayer to save them so they can then repeat the act. 

These instituions are private for profit companies, not public instituions. They make plenty of money with interest rate arbitrage and wild, complex financial derivative products that all accomplish the same end. Ripping someone off. 

Why would you create a consumer credit reporting system that serves the informational interests of reckless financial predators who can not manage other people 's money, so they can decide whether or not to extend credit to someone. Of course they will extend credit to anyone. As long as they can take more than they gave for that credit. In interest while solvent and in assets and future wages when not. 

Employers read these reports to discern between responsible and irresponsible job candidates. Housing agencies deny leases to people who they believe may not be able to pay their rent. Credit reports now dictate the entire lives of individuals. 

The entire system favors those who can get " credit ''. Those who can get credit are those who have the most credit cards open in their name with a long history of on time payments. Not the most financially responsible. Could have made just the minimum required payment ( which we all know will never pay off a balance due to compound interest ) and they'd be able to get loans or apartments or jobs. 

Problem is, credit isn't capital. It's buying something with borrowed money at high interest rates. All it takes is a variable interest rate and inflation to knock someone into bankruptcy. That credit score means nothing to the landlord. You can only borrow so much. Etc. In the end it serves no purpose. Just harms consumers. 

Make this credit reporting system illegal. It prevents people from being able to live according to their current means, denies people the ability to find employment and rectify their previous mistakes, and serves only the institutional usurers who can not even avoid going bankrupt themselves despite controlling the economy. 

Start monitoring the banks instead of hard working citizens.
Product: Credit card or prepaid card

See the documents attached. 

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle I had a loan on with XXXX XXXX was deemed a total loss by my insurance company ( XXXX ). XXXX XXXX marked that loan as a charge off when it was not. I followed all the procedures in the title procurement process that coincides with a vehicle being totaled out. They gave a letter of guarantee to my insurance company for the balance requested to pay off the loan. It was marked on my credit report as a charge off in XXXX of XXXX  ( date of loss was XX/XX/ ) I received my payment XX/XX/ and XXXX did not pay them until XX/XX/. Upon which they kept the status of a charge off and then marked it as a " paid-charge off ''. This account should not have been marked as a charge off at all and even if they got the payment late they could have at least corrected their mistake then and marked it as a paid-satisfactory account. This mark has significantly affected my credit as well as making it very difficult to get another vehicle which I still have yet to be able to do since the accident. I would like this fixed immediately as getting the payment from my insurance company for the vehicle payoff was out of my hands to control.
Product: Credit card

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX DOESN'T HAVE MY PERMISSION NOR HAVE I EVER GAVE CONSENT FOR THEM TO FURNISH OR CREATE MY REPORT. THEY DID NOT RESPECT MY RIGHT TO PRIVACY. THEY WERE UNFAIR AND PARTICLE. THEY DID NOT DO THEIR GRAVE RESPOSIBILITY. I NEVER CONSENTED TO THEIR REPORTING IN THE FIRST PLACE. THEY ASSUMED THE ROLL OF REPORTING.
Product: Debt collection

calls repeatedly from different phone numbers within minutes of each other.    XXXX    XXXX   -  XXXX   XXXX    XXXX   -  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX  - blocked number  XXXX   XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX    XXXX   -  XXXX  They continue to call numerous times a day asking me to verify personal/secured information before telling me who they are or what they are calling about. I have explained when my pay day is and when I would be submitting payment and to stop calling until that day but they continue to call. I have requested they mail me the information and they refuse.
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX XXXX  days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Yesterday Morning, XX/XX/XXXX I notice when I open my Capital One app that my Capital One credit card Quick Silver had a message of closing & I call Capital One Customer Service. The representative name XXXX said that my CC was closed already & I ask why, because I was planing to use it this coming weekend for XXXX  XXXX & I had accumulated {$210.00} rewards that I was going to use for my mom & aunt to cover some of what I was going to buy for them for the occasion. Inactivity was the reason of closing the account & I ask why I did not receive a notification that allow me to keep it open because I did not receive anything electronically ( since I sign for paperless ) but he said a letter was send thru normal mail /USPS XXXX I state I did not received it & I ask for my {$210.00} rewards but he said that they are gone..I said that is my money & I have the right to have it since I did not know nor I received any notification for closing the account without my knowledge. He was talking really sleepy/yawning & he said he doesnt care that I lost my {$210.00} dollarsthat was my problem... I was speechless how he talk to me & I requested for a Manager/Supervisor but before I was transfer he ask me if I want my Quicksilver credit card to be closed..I did not understand what he meant, so confused because I thought it was already closed & I could not do anything to fixed including getting my {$210.00} reward money. Before I can answer he transfer me & the supervisor said he could not do anything about it ( it was an offshore supervisor from XXXX & he couldnt understand the situation plus the connection was really bad ). 
I call back again and XXXX from XXXX also said she could not do anything about it, no resolution for the situation so I decided to call the bank & I requested to get my money back of {$210.00} since I was not aware of the CC closing, because if not I will close my bank accounts as well since I do not trust Capital One with my money after my reward money being stolen from me by Capital One credit card. 
Later after XXXX I received an email for the first time from Capital One saying my CC was closed as of this evening TODAYin other words when I call to resolve the situation, my card was still open & able to charge /used & not lose my {$210.00} but Capital One actions were literally evil and took /stole my money. I am not a millionaire I work really hard for my money and as a single mother, I count my pennies .IT HURST A LOT LOSING MY {$210.00} & each supervisor I talk said that THEY DO NOT CARE, Its MY PROBLEM. I have never being treated like this in my whole life from a CC bank or from any bank. 


To this day I did not receive the CC account closing notification letter by email /electronically since I sign for paperless nor by mail/USPS as Capital One customer service stated.
Product: Checking or savings account

XXXX XXXX I deposited a check for {$15000.00} into a new account at Ally bank. Within a couple days, my account was inexplicably put on some sort of suspension. I was contacted by both email and phone to resolve the issue. I called in multiple times and spoke to INCREDIBLY RUDE people in the " loss prevention '' office. I told them multiple times two things : 1 ) my husband has to assist me with finances and he had to be on the call and 2 ) I am on the XXXX XXXX. Instead of offering any semblance of understanding and compassion, this instead seemed to irritate them further. 

To date, and despite the fact that I called in and answered their absurdly probing questions about the source of the money ( XXXX XXXX  via my husband 's company for which I performed work and was being paid ), they continue to not convey access to my money. 

If this hold continues, I'm contacting legal counsel and pursuing action under any statute we can find, including americans with disability  act.
Product: Credit card

I placed an order for a phone through Best Buy on XX/XX/year>. According to tracking information ( XXXX tracking # XXXX ), XXXX marked the package as delivered, but it was mistakenly delivered to the wrong address. I contacted XXXX immediately, and they informed me they would speak to the driver and follow up with me the next day. Later that evening, the package was dropped off at my correct addressbut the box was empty. 

I followed up with FedEx, but they stated that since the package was marked as delivered to a residential address, their responsibility ended there and advised me to contact Best Buy. When I contacted Best Buy, they confirmed that they had provided the correct shipping address to XXXX and advised me to file a claim. 

Both companies directed me to open claims, which I did. However, each claim was ultimately closed with no resolution, and I was told I would not receive a refund. XXXX continued to state that I needed to resolve the matter with Best Buy. 

Due to the lack of resolution, I filed a police report, but there have been no updates after several months. I am still without the product or a refund. 

Link for XXXX tracking : XXXX XXXX XXXX  XXXX & XXXX
Product: Credit reporting or other personal consumer reports

I requested a loan from CitiBank. They added interest to the loan before I cashed the check or received the check. I told them I did not want the loan because of this. They put it on my credit report as I got the loan and they had to write it off. 
I never cashed a check from CitiBank. I told them repeatedly I did not want the loan because they had added interest to the loan before I got the check The check was {$10000.00}. 

The date was approx XXXX
Product: Debt collection

I received a letter from them stating that a judgment has been entered against me XX/XX/XXXX for {$7000.00} from XXXX XXXX XXXX which was part of a settlement of bills that were paid from a car accident I sustained XX/XX/XXXX. The attorneys were XXXX. The letter said that failure to comply will result in my arrest and incarceration. I also had a levy placed on my checking account and {$2500.00} plus {$120.00} legal fees were deducted from it. the letter states that I owe {$7000.00}. My checking account is now in a negative status. I have never been contacted by this firm before nor was i ever given proper notice about this bill. I tried to contact them today over the phone and spoke to XXXX at XXXX who is a paralegal who was rude and gave me no information on my account. She tried to manipulate me and then told me to have an attorney contact them. I then emailed them at their website to find out what is going on and to have them immediately contact me about this. I am distraught and completely outraged that this bill XX/XX/XXXX that I had no knowledge of was filed without my knowledge and my money was stolen from my bank account. I am filing a complaint because I want my money back and I want this firm held accountable for their deceptive practices. I am currently dealing with XXXX and am devastated by this and I need to focus on getting better but can not because I have no bank account nor can I pay for my rent or food. Please help.lThanks.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report and now the creditor is wrongfully suing me. I have requested information from XXXX, XXXX and XXXX requesting that they provide the purchase agreement and account details. I have been repeatedly disputed this account upon reviewing my credit report back in XXXX when I was tryin to refinance my home. After the dispute was made I received notification from XXXX that the debt being disputed meets the requirements of the Fair Credit Reporting Act. I was not provided that information that I requested and this debt continued to remain on my credit report. XXXX did not provide accuracy to the mentioned account nor was the debt properly investigated. When I was unsuccessful with the credit bureaus I reached out to creditor directly and I was only sent a copy of a bill. Many attempts were made after receiving the bill requesting that this account be investigated and nothing has been done. I am a victim of identity thief and I don't understand how a debt was made under my name when my credit is suppose to be protected by the Fair Credit Act and under an extended fraud alert. I have reported this debt with my local police department. I don't understand how I am now being sued when I have been trying to disputed this debt with the credit bureaus and collection agency. In addition to this complaint someone that does not even know me personally was severed court documents. I haven been trying to reach the company that is now suing me @ XXXX and I have be unable to reach anyone. I will be on hold for over XXXX minutes and the line will get disconnected.
Product: Credit reporting or other personal consumer reports

According to the federal credit bureau This creditor XXXX and Citi bank visa credit card have violated my right. 

In accordance to 15 US 1681 C and 1681 R and 1681 m states that creditor arent allowed to report late payments on credit report unless I give consent to, which I do not give consent to
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX Late Payment XXXX XXXXXXXX XXXX XXXX
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 Equifax 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 following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXate of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Checking or savings account

I have received 2 text messages from what purports to be GLACIER Bank. I do not know nor do I have an account with GLACIER Bank. The first text message came on XX/XX/2024 saying my GLACIER access is blocked in accordance with our customer protection policy. It asked me to click on XXXX  " to regain access ''. 
The second text came on XX/XX/2024 saying " Dear Member XXXX  Tap on XXXX for app update to avoid your access locked ''. I have not responded in any way to these texts and have not tapped on the links. 
I did contact the fraud officer with Glacier Bank in Montana ; a very helpful woman indicated their Bank has been the subject of several scams, but she had no knowledge of either of these texts, she verified I have no account with them, and ashe suggested I report this to you. 
This may somehow be connected with a problem I am currently having with XXXX XXXX over my online opening of a " XXXX XXXX XXXX' and purchase of XXXX sizable CD 's. XXXX XXXX has frozen my accounts due to their alleged inability to verify my identification. I am trying to resolve this at this time, but XXXX XXXX is not cooperating at the moment. But these texts from Glacier Bank mysteriously arrived during my conversations with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which I am not at this point totally certain are legitimate XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are like 24 inquiries I do not recognize on my report. I haven't applied for anything in the past 3-4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 credit card are liste d on my credit report that I never opened or used.   XXXX   XXXX  . opened on    XXXX   XXXX   XXXX   balance {$310.00}.    XXXX   XXXX  opened   XXXX   XXXX     balance of {$12000.00}. neither of these accounts are mine.