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

I didn't apply for these account on my credit report these are fraudulent accounts and i would like these account remove off my credit report.
Product: Debt collection

I spoke with a representative 2 weeks ago and told them that I would be paying off my debt within the month. They have been calling me consistently every day multiple times a day ( minimum of 9x/day ) from multiple phone numbers. 
The various phone numbers are from all over the country so it makes it seem like it 's a different company but it 's ALWAYS the same collections agency.
Product: Debt collection

I am continuing to report XXXX XXXX XXXX XXXX XXXX is a third-party debt collection agency that is collecting a debt on behalf of The XXXX  XXXX XXXX XXXX XXXX  and XXXX Market XXXX XXXX d/b/a The XXXX XXXX XXXX Market regarding collection of debt I do not owe. I have submitted information in support from previous filed CFPB complaint herein attached again. The department XXXX XXXX XXXX report that specifically states the date the unit was vacated. I XXXX have to resort to legal action against XXXX XXXX XXXX XXXX XXXX is a third-party debt collection agency and XXXX Market XXXX XXXX XXXX XXXX XXXX XXXX XXXX Market to forestall further attempts at debt XXXX XXXX defamation of character and threats to destroy my credit history if this matter is resolved via CFPB complaint process and XXXX XXXX. Please note that neither XXXX XXXX XXXX XXXX XXXX is a third-party debt collection agency that is collecting a debt on behalf of The Edison XXXX XXXX Marker Apartments nor XXXX Market XXXX XXXX d/b/a The XXXX XXXX XXXX Market have provided the information I requested to substantiate their claim from my XXXX CFPB complaint i.e. my Rental XXXX from XX/XX/XXXX to XX/XX/XXXX. Please provide the requested information as soon as possible.
Product: Credit card or prepaid card

In XXXX of 2023 I took advantage of a 0 % APR credit offer from a seldom used Bank of America credit card. The offer promised 0 % APR for about 18 months from the date of the draw. I drew {$13000.00} against this offer. A month later, XXXX, an automatic payment was attempted for the entire {$13000.00} to clear the card. The payment bounced and a fee was charged against my account. The following month, XXXX, another automatic payment was attempted which succeeded. I contact BofA to complain about the fees and overpayment. They waived the fee and escalated my case for reversing the payment. The representative took down my banking information and said the case would be resolved soon. A few weeks after I called to check the status. The representative had no knowledge of the case and again took my bank information. A couple weeks after that I called a third time. That representative told me that I would need to call the case department. The following morning I called the case department and the representative said that each time I had called they had created a new case which extended the time to resolution. She also explained that BofA would be PAPER mailing me the confirmation. I had never elected paper communication with BofA. She then told me that the time to resolution would be several months. At that time I decided to close my account. A week later I received a check for the overpayment in my account ( ~ {$28.00} ) and I had also lost access to the account on the mobile app. This week XX/XX/XXXX, I received a call from BofA telling me that I had a past due payment of {$130.00} and that my total outstanding balance was over {$13000.00}. After spending an hour on the phone with 5 representatives, I was told that BofA ( in their infinite wisdom ) had decided to memo {$13000.00} against my closed account and then had issued a paper check for me to deposit and then pay against the new account. I neither authorized the account to be reopened nor had I received any notification that the account was reopened. This could adversely affect my credit and has caused me undue stress and wasted time. In my decade working in the financial services industry I have never seen such incompetence. The lack of coordination between BofA departments and the lack of communication to a customer has been disgusting. I have no faith in BofA and I suspect that this is linked to liquidity issues in the wake of the current banking crisis.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Payday loan, title loan, personal loan, or advance loan

I want to say bout XX/XX/XXXX, I was going to payoff the loan and they told me I'd have to pay all the interest when if a loan is paid off your not obligated to pay these charges. Mind u I just got income tax and had more then enough to cover it. The guy got an attitude with me and tried to belittle me and I do have a XXXX. Then they proceeded to keep calling me harassing me after I answered and said have an fluient american speaking cause I can't understand other languages or dialects. So I told them they not allowed to call me and I still got calls from the ppl I didn't understand with voicemails for proof. I sent them a demand letter and it got to headquarters and then got even more negligent. The lady calls me i called her leaving numerous voicemails on her company call center and still nothing. Then when I do get ahold of them because I wouldn't give one piece of info they gave me a cease and desist letter. Sorry but I'm suing if your not helping with this flat out breach on many fronts. My credit dropped so bad from it unreal I can't get nothing from these cons. This isn't a company at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached account detail : US DEPARTMENT OF EDUCATION This account being reported by Equifax is a COLLECTION ACCOUNT. 
PER FCRA GUIDELINES, A COLLECTION ACCOUNT CAN NOT REPORT A MONTHLY PAYMENT HISTORY. 

Account is also reporting as an INSTALLMENT LOAN and states SINGLE PMT LOAN This account is not an INSTALLMENT LOAN. 

Equifax last report on XX/XX/2018 showing account as 120 day late in XX/XX/2018 ACCOUNT WAS PAID IN FULL ON XX/XX/2018, AND FAILS TO REFLECT THAT ANYWHERE. PER FCRA GUIDELINES, MONTHLY REPORTING ON A COLLECTION ACCOUNT IS A VIOLATION. 

I have disputed these facts with Equifax and to this date, they have not corrected/deleted disputed information. 

Equifax states that Dept of Education has verified information reporting. However, Equifax is violating the FCRA by reporting an account as both a collection account AND also an installment loan. A " method of verification '' request was given and was never responded to. 

SEE ATTACHED EQUIFAX REPORTING
Product: Checking or savings account

XX/XX/year> and XX/XX/year> No access to direct deposit made by my employer to my Capital One checking account. This is due to a technical issue with Capital One that is affecting millions of customers.
Product: Credit card or prepaid card

I had a venture card with Capital One and called them on XX/XX/2022 and I spoke with XXXX. I told her that I want to get cash rewards not travel rewards. She said I could do that, but it would be quick silver rewards. My first question was will it change my card, she stated no just your rewards. I told her I had a quick silver before and closed that card, so I want to keep my venture card. 

As she started reading the disclosure it read that it would be a quick silver card, I stopped her mid-sentence and said If This Is Changing My Card I DO NOT WANT IT. She stated no it just changes your rewards and I finished with her and asked to speak with her supervisor. The Lead not a supervisor, XXXX stated because I stated yes to the disclosure it will change my card. 

I stated to her -this rep gave wrong information employed by by Capital One and I want you all to fix this immediately. She told me she would put a case number in and they would get back with me. They didnt so I called them today with NO resolve. They hadnt even listened to the call. At this point I want to cancel my card with Capital One and it not hinder my credit score. If I have to stay with them, I want my venture card and not the quick silver card I loudly expressed to her I dont want.
Product: Credit card or prepaid card

In XXXX of 2019, I went into the Chase XXXX XXXX XXXX XXXX in XXXX Ca. XXXX. 

I was helped by XXXX XXXX ( MNLS ID : XXXX ). My financial goal was to see if Chase had a balance transfer offer better than the one I received from XXXX XXXX. 

I showed her my Freedom card explaining wed like to transfer the balance for a 0 % APR and agreed to the fee of {$99.00}. After speaking with my husband on the phone, we went through the process and I signed the paperwork electronically. 

I was told : Yes, I could transfer the balance from my Freedom card to my new Freedom Unlimited card. 

The fee was {$99.00} And that I had received the best annual APR she had ever seen for my new Chase Freedom Unlimited at 11 %. 

Everything she told me was a lie. I was lied to and electronically signed paper work no one will give me ( neither the Branch or Corporate Office ), stating it doesnt exist. I would think I made a mistake, however, I called my husband from the branch office. I explained the offer, in front of XXXX, and stated all the terms with him before I signed everything. I also, have my letter of denial for the balance transfer. Why would I sign an agreement for a balance transfer if their company policy does not allow one between Chase cards? If it didnt happen and paperwork was never signed why do I have a denial letter from Chase? 

I have patiently gone through Chases process to rectify the situation, even speaking with XXXX and XXXX ( XXXX ) in their corporate office. XXXX led me to believe the actual branch was trying to do something to help my family but when I went in and spoke with the branch manager she said this was the type of thing to be handled at the corporate level. A very frustrating runaround. 

What I have come to understand is the Corporate Office will not help my family because the Branch will not admit making a mistake or " lying '' to fraudulently have me open another card with a higher credit balance and possibly higher APR.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax is now letting XXXX XXXX state on the payment status of a debt the it has been " REFINANCED OR RENEWED '' .Thats weird because to refinance is to start the term over at a defferent rate $ $ $ and renew is to reseason the account in which no payment was giving to the collection agency so how is this allowed and hownis this even possible???
Product: Checking or savings account

On or around XX/XX/year> i had submitted a XXXX XXXX transfer to a merchant by the name of XXXX BANK. I ended up canceling the transaction and was given a tracking number. Money was taken from my account, but the merchant never received the payment. I contacted Wells Fargo they issued a credit. Took them more than a month to investigate, then they convey to me that about XXXX XXXX them the XXXX which they debited my account, even though once again the XXXX ( XXXX XXXX ) never received the funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

Contacted Military Star at number listed on statement ( XXXX ) to inform them that the online portal was not allowing me to submit payment. The representative informed me that this function will continue to be disabled until I make six consecutive payments. Military Star has sent letters to my Commander in the past and on the statement dated XXXX XX/XX/XXXX threatens to do so again : " If the payment is not received by the due date, we may request involuntary collection for the maximum deduction allowable from either your Military, Retired or Civilian pay in accordance with applicable law. Prior to involuntary collection, we are required to notify your Unit Commander. To prevent a notice, you must pay the past due balance on or before XXXX XX/XX/XXXX. If you are separating from the Military, we  may collect any remaining portion of the debt from your final pay and allowances. '' XXXX XXXX XXXX XXXX used these same practices and was held responsible in XX/XX/XXXX.
Product: Credit card

I reached out to Wells Fargo to be removed as an authorized user due to my ex common law husband being responsible for the card and not me. However, they could not find the account and this appears on my credit report.
Product: Debt collection

Midland Credit Management and I had a working relationship before COVID-19 hit. At this time I was looking to switch banks because my bank was not as secure as they claimed so I tried to contact them to ask if I could put my payments on pause while I rode out COVID-19 to seek employment and transferred my banks. They had no 'pause ' button for payments nor any option to seek a hold until I could get back to paying them once more, so I was forced to stop payments and figured I could simply resume when I was capable ( which California is still rocky on when things will be entirely reopened or back to somewhat normal ). As there was no way to discuss this with anyone online or to put a temporary hold on payments in any fashion, it was the only logical option I had. Keep in mind, I had made many payments to this account over the last year or so. My original balance of {$2300.00} ( {$2400.00} with interest ) has since dropped to {$1600.00} - so that's proof I've been paying off this debt as much as possible. 

Now, I got a letter today on XX/XX/2020 stating if I didn't pay the {$1600.00} due BY XX/XX/2020 then I would be sued by the company. Not only was I not home to make this call when their lines were open, for personal reasons, but there was no way to leave a message to dispute this lack of warning and threat of a lawsuit because their 'voicemail inbox is full '. 

So I was not given a warning that led to this legal action, I was not given a validation notice, an ability to respond in writing nor any notice leading up to this but I was also not capable of calling to dispute. All of which are illegal, if I'm not mistaken. 

To top that off, my past payment history is not available on MCMpay due to me having to cancel payments - I'm sure. Which means I can not provide you with any receipt of my transactions because they are with my old bank and MCMpay has erased them as if I never made them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and Equifax violated my rights. I disputed this account because it has been reporting inaccurately. This account has been deleted from XXXX, yet XXXX and Equifax continues to parrot back off of the the creditor. The creditor is incorrect and these credit reporting agencies refuse to be fair and partial. In fact they are wilfully neglecting to protect me as a consumer. They claimed that XXXX XXXX " verified '' this as accurate. Why would XXXX XXXX report different information to the 2 Credit Reporting Agencies? XXXX reported to XXXX that the terms were 72 months, yet reported to Equifax that the terms were 0 months. XXXX reported to XXXX that the high credit was {$15000.00}, but reported to Equifax that the high credit of {$6700.00}. XXXX reported a date of last activity to XXXX of XX/XX/XXXX but reported a date of XX/XX/XXXX to Equifax. XXXX reported a Date of last payment as XX/XX/XXXX to XXXX and a date of XX/XX/XXXX to Equifax. In addition the payment history is totally different, all of the information contradicts. proof of inaccuracies attached. XXXX deletion attached. 

Please delete immediately for inaccuracy. Per the FCRA my report is to be 100 % accurate. Proof attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have initiated multiple disputes to fix the issue with Equifax. I have ask for pertinent information in their dispute results which is verifired as accurate but I have not gotten any infromation. These two current dipustes have been over 30 days.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I've notice these fraudulent accounts being reported.
Product: Credit reporting or other personal consumer reports

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID. A bill, and a letter from an advocacy group helping me due to Human Trafficking - Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX in the fraud department at XXXX. She refused to remove inquiries off my report that was reported as fraud. All the inquires were connected to the fraud accounts. 
Per the FCRA, inquires can be opted out in which she refussed to do so. I had been hung up on twice while trying to correct my consumer report.
Product: Credit card or prepaid card

In XXXX my debit card was stolen and over XXXX $ of my money was stolen. My debit card pin number was rejected by computer XXXX of times at once but my card was never locked to keep the card theifts from using it. They also ordered something online and had it sent to their address but the bank keeps saying no sign of fraud took place. I called into to dispute the whole months transactions and they rushed through my dispute case and closed it because they said that they didn't detect fraud. Plus I tried to call and report the theifts but I couldn't get any customer service representatives to ever answer the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to XXXX Dealership inquire on car to test drive.  However I told dealer multiple times to please do not pull credit, I only want to test drive. Dealer pulled credit anyways. I also told them I would Not be financing through them and not put application through however the financed car anyways. Not sure through what lender. Lender called me as I also told them I would n't be financing through them and do not proceed with process. As I pulled my XXXX XXXX report I see inquires for that day from. I did n't authorize any of those lenders to pull my credit. Not sure how they got my information. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Dispute about my credit report inquiry I am writing to report many UNAUTHORIZED credit inquiries on my part. 
On XX/XX/year> I have a consultation from CAPITAL ONE On XX/XX/year> I have a XXXX consultation On XX/XX/year> I have a query from XXXX XXXX XXXX I recognize myself as a victim of identity theft and would like it removed from my credit report. 

Please investigate this matter and remove the disputed credit inquiry as soon as possible.