23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I took out a payday loan around 5 years ago that I had every intention of paying back. I was not at the time able to do so and it was sent to collections. The collections company Midwest Recovery has called myself and my family stating I had a pending suit or that charges would be filed against me if I didn't return their call. I've also had them leave voicemails stating they were from a government office. In addition to this they are reporting on my credit that this account is only 6 months old when in fact it is around 5 years old. I don't feel that any of this behavior is acceptable or trustworthy.
Product: Debt collection

So I am being sued for  XXXX  $ dollars for  XXXX   XXXX   XXXX .   Saying I owe all that mon ey. Fidelity Creditors h ave been contacting my work and my cellphone saying I will be sued for this balance. I told them I do not have the money to pay for that. They said if i do n't pay they will sue me.
Product: Debt collection

I had sent in a police report to transunion for a auto loan that was the result of identity theft to all three credit bureaus. XXXX and XXXX removed the fraudulent auto loan from my credit report where my identity was stolen which was used to acquire a $ XXXX auto loan from XXXX XXXX in my name in which the thieves allowed the loan to go delinquent and leave me with a charge off after they used my identity. Transunion rejected my police report and opened a reinvestigation and haven't responded back to me with the results or even acknowledged the police report which provided all the information and there was no lack of sufficient evidence. I already spoke with the bank themselves and flagged all accounts as fraud and told them that none of the actions within XXXX XXXX was me.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681A ( 2 ) Exclusions, -Except as provided in paragraph ( 3 ), the TERM " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; These Accounts have violated my rights According to 15 USC 1681A : ( 1 ) .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LATE PAYMENTS, are considered transactions. 
Therefore, all late payments should not show on my consumer report.
Product: Checking or savings account

On XX/XX/2019, I was trying to deposit my traveler 's checks at the Capital One bank branch at XXXX XXXX XXXX, XXXX, NY XXXX, as I was following the Capital One Bank 's online instruction and the instruction from the Capital One 's phone agent. First, I was trying to deposit the checks at the ATM. However, I encountered error with the ATM. I then went to the banker to deposit. The banker had not seen a traveler 's check before and did not know the existence of the traveler check. Then, she consulted with her manager which I felt appreciated. However, her manger 's attitude was that she had never seen this kind of product based on her 3 years financial experience, she refused me to deposit the checks. I told her that it was a chance to learn something new as she was working in the financial business. She was too arrogant to learn and to check with her support desk nor checking the information online. Despite the previous banker shower her the information on the computer when we were talking, she still refused to deposit the checks. Do not know a financial product as a bank manager is one thing but lacking the knowledge and not willing to learn is another. I would strongly encourage Capital One Bank to retrain its employees at this branch properly before they driver more customers away. After all, it's a highly competitive business and there are so many banks to choose from.
Product: Credit card or prepaid card

Yesterday, XX/XX/XXXX, I submitted a complaint to CFPB that I could not dispute my credit card transaction from my online bank. BOA requested that I call and talk to them for the dispute. My English is not good enough to speak. But I can read and write, which means I can handle online chats or messages, but not phone calls. I have disputed transactions through the BOA online bank before, and did not have to call customer service. I do not understand why I must call the BOA customer service this time. I also can not find the " send a message '' option from BOA 's message center. I think it is very inconvenient for me. So I submited a complaint to CFPB. Today my daughter received an email ( her email address is listed as a secondary contact method in the online bank 's profile ) from BOA 's XXXX XXXX, who again asked me to call her/him and talk about my complaint. I can not understand what BOA is trying to accomplish! I complained to BOA about the barriers caused by them only accepting the phone calls as the contact method, then BOA asked me to call them about my complaint. This is serious discrimination based on language. 

Thank you for your time and attention Best Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.
Product: Debt collection

I am a victim of Identity Theft. Back in XXXX I went to a shopping center and lost my purse which contains ID 's, money and some personal effects. I did not bother to report since I was too complacent that maybe it was just another petty theft and realized later on the gravity of what happened. Fast forward.. XXXX of this year, for the first time I pulled up my credit report since I am looking for house. I noticed that there was a credit card opened back in XX/XX/XXXX with XXXX  XXXX XXXX, a collection account from XXXX XXXX ( original creditor is XXXX and a medical collection from AMERICOLLECT ( original creditor is XXXX  XXXX XXXX ). The total balance of it all is roughly $ XXXX. I tried reaching out to the companies and even disputed it to the bureaus but they did not take my complaint seriously and ignore it up until now. I already filed an FTC affidavit and I am waiting for the copy of the police report I filed. This kind of matter should not be taken lightly. The unwillingness of the bureaus and the company clearly violates the Fair Credit Reporting Act.
Product: Debt collection

COLLECTOR IGNORED CEASE AND DESIT AND CEASE COMMUNICATION VIA CFPB XXXX IN XX/XX/XXXX REFUSE VALIDATION REQUEST AND WENT ON CREDIT REPORT IN VIOLATION OF XXXX AND XXXX. AND XXXX COUNT OF T.C.P.A. ON XX/XX/XXXXCALL FROM NO XXXX to XXXX ( see attached. ) LASTLY COLLECTOR IN VIOLATION OF THE DODD-FRANK ACT.
Product: Debt collection

Navy Federal CU sent me letters that that my credit report would be damaged. My credit card was stolen and my card was maxed during the pandemic.
Product: Debt collection

Fair Collections & Outsourcing is attempting to collect an invalid debt that is not mine from XX/XX/2016 based off of a previous apartment lease. I have tried to dispute this but FCO refuses to validate the debt correctly and claims what they have is sufficient even though there is not sufficient evidence present. XXXX XXXX attempted to collectcharges from me based on the itemized list sent to me for carpet and vinyl replacement 3 months after my lease had already expired and the apartment was already being rented to another tenant. In addition I received no letter from XXXXstating these charges until Fair Collections and Outsourcing sent me the first collection notice. Also, the document that Fair Collections & Outsourcing sent me is a copy of the lease agreement however there is no legal signature present. On the bottom of the document it states it was executed via e-signature however FCO was unable to provide me a copy of the original document with a valid signature.
Product: Student loan

I was told when I got the loan that it would be 75-80 dollars a month payments. The payments are actually almost {$300.00} a month. Every time I tell them I ca n't afford the payment they defer the loan. All the while the balance is still going up because interest is accruing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I made contact with XXXX XXXX XXXX XXXX, XXXX and spoke with Rep over a pre-recorded phone conversation and I respectfully why my Tradeline of XXXX credit account # XXXX is not been reported with Transunion and XXXX as of XX/XX/XXXX till Present. 
Rep stated that Manager has to look into it and I need to provide a credit report. 
All XXXX XXXX has to do is communicate with Trasnunion and XXXX and add my Tradeline with them. 
XXXX XXXX Trade Line is only showing on XXXX Credit Report.. 

I have been making timely payments of {$40.00} a month from XX/XX/XXXX till Present. 

There is a Derogatory Remarks of 30-40-60-90 days that needs to be remove as this credit trade line was reaffirmed in Federal Court on XX/XX/XXXX Bankruptcy chapter  XXXX and Bankruptcy was discharged on XX/XX/XXXX with XXXX, Texas Federal Judge. 
I am respectfully XXXX and XXXX XXXX and a US XXXX XXXX Military Veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$860.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt or credit management

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Product: Bank account or service

I join a mystery shoppers evaluation company that allowed me to go shopping and evaluate stores and banks but I have learned that the company was using another company 's name and payroll to pay us the money and when the other company learned of this stopped the checks putting me in an awkward place with the funds because I had already put the check in my bank and withdraw the money to make the transitions I were told to make. This putting me negative with my bank.. please help and get the money back for my bank so they want think bad of me, I was scam n this company needs to be put on notice. It 's service XXXX and XXXX XXXX XXXX .... 
XXXX and XXXX
Product: Bank account or service

On XXXX I called USAA Savings BankWhere I have a checking account to inquire about my account and why it was overdrawn. With no help or resolution on XXXX diffrent times I asked to speak with a supervisor finally I did. He was rude and I had to ask what his position with the bank because when the call was transfered. He just said hello how can I help you. I asked could he help gi over my transactions. He said you should know didnt you swipe your debit card. I told him was XXXX the mosr unprofessional people I had ever spoke with. He kept mocking me and would say he doesnt understand my question and he doesnt know how to help. I ended the call. About XXXX hrs later I went to go login to my account I was locked out so I called the number it instructed me to. 
The representive asked did I forget my pin zi said no. So she reset it. Then I asked who locked me out of my account online she said she didnt know and she would transfer me to the main customer service line. I did speak with a knowledgeable rep we went over all my transactions and posting dates. Just like a senior rep was aware I get paid weekly. I was informed my account had been reviewed for fraud but then it was competed. And she said someone put my account in a credit only ststus. She said when I get paid it should clear. She said my account was fine. On XXXX I logged into my account to see a pending/hold on my current balance. So I called in and was told my account is going to be closed and no explanation to why. So I explained to the rep I get paid every week. She said well I will get a check in 10 dsys when my deposit comes in. I explained to her I have XXXX small children. I hadnt done anything wrong is to why I cant access my money when I get paid. I asked to speak to a Supervisor he was polite but still of no help. He said my account was under review and until it is complete I have to wait. I asked why I never had any disputes or reported fraud. I get a simple pay direct deposited in my account each week. 
Its now Thursday and Im not allowed to simply withdraw XXXX the deposit amount was XXXX but USAA took the XXXX but still refuses to give me my money.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX continues to furnish derogatory information on credit report. According to FCRA [ 15 U.S.C. 1681b ] company is out of compliance.
Product: Credit reporting

I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that XXXX was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent woman, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX 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

n accordance with the Fair Credit Reporting act Account number # 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on repairing my credit and I'm running into various issues. My first is with equifax. Equifax states that " closed accounts stay on your credit report for up to 10 years since the date of last activity and negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. '' Due to several equifax data breaches I have free access to myequifax.com to monitor my report. Recently, I have noticed that all my adverse accounts are missing the date of last activity which is an important part of my report according to their own wording. My accounts in good standing and recently paid off debt shows the date of last activity, but my negatively impacting account are all missing this date. It appears that the creditors or equifax have purposely chosen to omit this date so that I will never know when the debt will be removed and so the length of time the debt remains on my report can be manipulated. I also have no way to prove how long the debt has been on my report since equifax only allows me to review up to 1 year of past reports on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022. In your CFPB response to complaint XXXX and XXXX, you stated that you needed more time to investigate these violations that have taken place. This is very confusing to me because, had a reasonable investigation taken place, you should have on file the items you say was verified and the items I requested in my previous letter. Due to this information not being presented and you needing more time to investigate, it is my belief that you disregarded my right to privacy pursuant to 15 USC 1681 ( a ) ( XXXX ) with your unfair reporting of this erroneous information without first consulting with me, the consumer in which the report relates. You have no proof that this transaction even took place. You have not insured that you exercised your grave responsibility to be impartial by infringing upon my rights to privacy by having a conversation about me to a third party and parroting the information given to you by this third party without my written instruction to do so. I am demanding that this item be removed as soon as possible. Pursuan to 15 USC 1681 ( b ), you didn't meet the needs of commerce because this was not fair and equitable to me regarding confidentiality, accuracy, and proper utilization of this information. As a consumer reporting agency, as defined under 15 USC 1681 ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Unfair credit reporting undermines the public confidence which congress has made clear, is essential to the continued functioning of the banking system. Pursuant to 15 USC 1681a ( d ) XXXX, a consumer report should not include any of the following : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. As defined by congress in 15 USC 1602 ( L ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services. A transaction was authorized by my credit card. Anytime my social security card, the real credit card, is used, that account shall be excluded from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly update the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX