23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a call from this collection company on my daughters phone. How they got her number, i have no clue because the original creditor doesnt have her number. XXXX XXXX calls me about my account with XXXX. Now mind you, i have been corresponding with them since I got laid off in XXXX. I end them updates every few weeks to let them know the progress of my unemployment application. I have sent them copies of everything as well as original documentation from my former employer. XXXX XXXX stated they mailed me a letter on XX/XX/XXXX to my current address and I informed him that i never received anything from them. He had all my personal information and stated he was calling to see how i wanted to move forward in resolving this matter. I told him i have been unemployed for 5 months and i am looking for employment. I am behind on my mortgage and other bills so this bill was not my full concern at this time. Securing me a place to stay was more important than this bill. He said i was approved for a " hardship '' application and i asked him for documentation to show the legitimacy of this company, the hardship application etc. He stated he would send me a confirmation email once i set up a payment arrangement. I gave him a pre-paid debit card that i no longer use to see if the company is legit and when i looked up the information, they are known for defrauding people and collecting information once a company sells the debt. I contacted XXXX XXXX company to question them about this and they told me they had sold or settled my account because I have been making payments and corresponding with them as well as giving the legal documentation from unemployment and my former employment. The balance the guy told me was incorrect as well and he even said I have been making timely payments but then everything stopped. Thats where the red flag went up. I have filed complaints with the Ohio Attorney generals office, consumer finance and I am filing a police report as well because they are trying to get over on me and I still havent received a confirmation email or documentation to validate this company and or account and i have not received a contract of anything either. I called our local phone companies to have them blocked and reported this company for harassment since they phished the internet for my daughters phone number. 

I have also alerted all 3 credit bureaus and Consumer internet crimes along with the internet crimes department of the FBI. A company similar to this did this very thing just a few months ago and took everything I had. I refuse to go through this again.
Product: Credit reporting or other personal consumer reports

I have sent in the necessary documents to Transunion credit reporting agency, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today XX/XX/XXXX XXXX XXXX  ET, that after receiving my documents, they decided not to block the fraud items off of my report, stating that my documents did not meet the criteria of a blocking which in fact is a lie. I have sent them exactly what the laws from FTC.gov site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need Transunion 's fraud department under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. 

Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation, immediately.
Product: Bank account or service

My Bank ( HSBC ) constantly shuts off my credit card without any notice, after making a " large '' payment. Large to them is around {$200.00}, which is not large to me. I make payments in this amount often, and to the same vendors. I understand if it has to do with Fraud Protection, but it doesnt. Usually when there is a case of Fraud on my card where a large purchase ( always more than {$500.00} ) is made to a strange vendor, HSBC calls me and notifies me as they have placed a hold on my card. But in this incident, they have turned off my card without any notice and it was unpleasantly declined. I do not appreciate HSBC turning off my card or funds WITHOUT notifying me. It is wrong and inconvenient. Especially when it is an amount that i always pay to the same vendor.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint for resolution and damages against EQUIFAX. The matter should have been a very simple and straightforward. My credit rating is high and stable, but for personal security reasons I want to have my credit reporting frozen. I have had no issue accomplishing this with XXXX promptly and easily. However EQUIFAX has been unprofessional and is failing in its basic responsibilities to consumers on whom it holds and disseminates personal information as the basis of its business model. But this also brings responsibilities, which EQUIFAX seems to be completely ignoring, including specifically its legal duty to provide consumers with effective and prompt means to have their credit reporting frozen on request. Over the last XXXX hours EQUIFAX has XXXX ) failed in its supposed online option for consumers to freeze reporting because its online system is currently not allowing this to be processed ; XXXX ) failed in its supposedly automated phone mehod for setting up a freeze because its phone system of prompts turns out to be completely faulty and unusable in that it presents consumers with scrambled bot voice prompts that make no sense and are also non responsive ; and XXXX ) failed in its basically non-existent human telephone support where consumers are first placed and kept on hold outrageously long hold times ( XXXX ), and then when finally put through to a human agent having the requestdenied and being referred back to the electronic options even though these do not work, while moreover being refused access to speak to a supervisor or XXXX for resolution on the basis that this is " not part of our operations ''. ( It raises the question, what in fact are the operations at EQUIFAX? And it seems that it is to use consumer data whilst completely disregarding consumer rights ). Certainly I have kept a record of what has happened today, and can further substantiate each of the XXXX failures above in more detail as required. The fundamental issue is that EQUIFAX runs a commercial business with personal data on individual consumers like me, yet is clearly failing in its concomitant duty toward consumers to offer effective and professional ways for consumers to have input over how their personal data is to be used or not used. We do not live in a society where corporates can abuse the rights of consumer with impunity. Again, XXXX has acted promptly and professionally, and so should EQUIFAX, and when it does not it should be held accountable for its failing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I maintained two credit cards with USAA for many years. I had an XXXX XXXX XXXX. I received an XXXX alert that my XXXX XXXX dropped 110 points and found that USAA had reported me for delinquent payments. I never charged anything to the card or authorized charges, and they were fraudulent. I was also never signed up for electronic billing, and only signed up for paper bills. I found that USAA sent emails only to an out of date email address. I had previously updated my email address with USAA and received emails at my new address. 

I paid the bill in full and spoke with USAA customer service who told me they could not retract the credit reporting despite admitting that they used a wrong email, admitting that they incorrectly only sent emails as notifications, and did not call or notify me in writing. I was then told to dispute with the credit company, and that USAA would confirm the incorrect report. 

I then disputed the incorrect credit report to XXXX. XXXX then notified me that USAA had again incorrectly confirmed the " late payment. '' I contacted USAA again and they indicated there was nothing which could be done. I spoke with the highest manager possible, who refused to help. I then closed both credit cards, since USAA had fraudulently and incorrectly reported my account as late. 

I am an attorney, and informed them I would be making a CFPB report, and then bring a civil action for violations of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN THE LAST 48 HOURS XX/XX/2020 A NEW COLLECTION HAS BEEN REPORTED ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF ACCOUNT AND IT SAYS ACCOUNT HAS ALREADY BEEN VERIFIED AND THAT IS FALSE IT HAS NEVER BEEN ON MY CREDIT REPORT. THIS IS HINDERING ME FROM HOME BUYING AND CAUSING EXTREME MENTAL DAMAGE TO ME. THE ACCOUNT IS XXXX XXXX XXXX XXXX XXXX {$3900.00}. THIS DEBT HAS NOT BEEN VALIDATED AND CAN NOT BE VALIDATED BECAUSE IT IS NOT MINES AND I NEED IT DELETED AS SOON AS POSSIBLE. IT IS VERY TIME CONSUMING DUE TO FUTURE OBLIGATIONS WITH HOME BUYING. I HAVE PROVIDED POLICE REPORTS STATING I WAS A VICTIM OF MY ID BEING STOLEN FOR PROOF. I WOULD LIKE DEBT TO BE REMOVED.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account XXXX XXXX, XXXX 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 WHITOUT MY WRITTEN INSTRUCTIONS.
Product: Credit card

On XX/XX/year>, I noticed I had exceeded my credit card limit and made XXXX online payments, thinking it would resolve the over-the-limit issue and prevent a XXXX decrease in my credit score. I called Capitol Once and the representatvie was Not helpfull and did not speak very good english. I have never been late or exceeded my limit. Currently, I have XXXX Capital One credit cards and was unaware that the 'Control Your Card Set Overlimit Preferences ' was auto-set to 'Yes ' to allow over-limit purchases. I assumed credit cards would notify you or prevent transactions if you exceeded your limit. I believe the over-the-limit toggle should default to 'No ' instead of 'Yes ' to avoid setting consumers up for failure.
Product: Mortgage

I can not get my mortgage company to pay my home insurance out of the escrow. Rushmore loan management services tells me they paid it when I cal but XXXX XXXX company hasnt received it. Rushmore did this to me a few years ago and it wasnt until cfpd looked into it did they finally pay. If my home insurance doesnt get paid they default to an insurance company of their choosing. Seems like a scam. My agent as am I are extremely frustrated by Rushmores tactics. My insurance agency is is XXXX XXXX out of XXXX XXXX Florida.
Product: Credit card or prepaid card

The credit line account was closed, and I did not receive the proper disclosure nor did I authorize a credit pull which resulted in the company closing the account. Per a phone call with representative XXXX, on XX/XX/XXXX, an uncertified letter was mailed on XX/XX/XXXX after a risk review was completed. The risk credit review determined that my account was closed due to too many balances, and utilization. XXXX also confirmed that the XXXX payment was due on XX/XX/XXXX, {$50.00} was received on XX/XX/XXXX, the statement closing date was XX/XX/XXXX and the account was closed on XX/XX/XXXX. The minimum payment had been met, so " non-payment '' was not the reason for account closure. 

XX/XX/XXXX - Billing Error Notice and exhibits were mailed to XXXX XXXXXXXX XXXX XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Credit Department Phone number XXXX, XXXX XXXX  ( collections rep ) contacted me for payment, noted billing error dispute details, and confirmed that they would continue reporting to the CRA despite receiving the billing error notice. XXXX  attempted to transfer me to the credit department but the numbers and transfer attempts allegedly did not work. 

XXXX A representative contacted me for payment and said that a bankruptcy request was submitted but can not be processed due to my needing a lawyer. Bankruptcy was never filed on my end or my account, therefore I feel that my personal information has been compromised in the company 's database, and will proceed with an FTC report. The rep confirmed multiple payments received prior to the account being closed. I requested all full/unaltered documentation of disclosures and my authorization to random risk reviews ( credit pull ) from the rep XXXX along with the notice that was mailed to my address regarding account closure due to a risk review. XXXX explained that because my personal information is on file BOFA has the right to run a risk review at any given time when there is suspicion of a risk. She was unable to provide the risk reason or trigger for the random risk review. I was then transferred to XXXX who was unable to locate any notices/risk review disclosures and advised me to file a complaint about the missing documents. The complaint was submitted by XXXX, and the confirmation number is XXXX. I notified the company that I would not like to receive any calls unless it is to discuss and resolve the billing error dispute and invalid submission for a bankruptcy filing. 

XXXX Billing error notices were mailed again to : Bofa Billing Inquiry Dept XXXX XXXX XXXX XXXX XXXX XXXX Delivered XX/XX/XXXX Billing ( Mistakes ) Rights Dept USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Delivered XXXX/XXXX/XXXX As of today XX/XX/XXXX there still has not been a resolution to the abovementioned concerns.
Product: Credit reporting or other personal consumer reports

Im filing this Identity theft affidavit to report fraudulant accounts appreaing on my consumer FICO credit report. The following accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I have 5 accounts in collections the accounts in collections is the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX Balance Owed : {$84.00} ; XXXX  XXXX Balance Owed : {$4700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX XXXX {$1300.00} ; XXXX. XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$5100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I need to inform you that I have fallen victim to identity theft. I am disputing the following accounts since they were opened without my knowledge, consent, or authority, and I hold no responsibility for them. Upon reaching out to the respective companies, I was directed to file the FTC affidavit accessible on the identitytheft.gov website. XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX.
Product: Checking or savings account

In the year XXXX I had a checking account with Wells Fargo . There was an ongoing issue with a overdraft fees when a balance available for days, pending charges wouldnt be processed in a timely manner causing me to believe there were funds still available. As soon as I spend even a dollar, the pending transactions suddenly had been processed and over the dollar overdraft, a fee of over {$30.00} would be added just immediately.
Product: Credit reporting or other personal consumer reports

I have notified all XXXX credit bureaus multiple time on the reporting of an alleged bankruptcy on my personal credit reports. 
In these letters. I provided a notarized Affidavit filed with the bankruptcy court in the state of Florida notifying them of their violation of state and federal law by providing my private information. 
I also provided a letter from the courts stating that they do not provide any filings to credit agencies. 
I also provided a testimony that I had not authorized or given consent to anyone to access my private and confidential records. 
Since these agencies did not receive this information from the courts and I myself have never given these agencies permission to report any of my personal and confidential information I demand that the alleged bankruptcy be removed from all credit reports. 
Pursuant to the Congressional Findings and Statement of Purpose of the Fair Credit Reporting Act, 15 U.S.C. 1681 a,4, Congress states that there is a need to report that credit reporting agencies exercise there grave responsibility to fairness, impartiality, and respect for the consumer 's rights to privacy.
Product: Mortgage

Freedom Mortgage sold my loan to XXXX in XX/XX/2019. Since I have arranged auto-pay from my billpay account, the XX/XX/2019 payment has been processed and paid to Freedom Mortgage. My bank has sent the proof to Freedom Mortgage that payment of {$1100.00} has been remitted to Freedom Mortgage on XX/XX/2019. However, this {$1100.00} has not been post to my mortgage account at Freedom Mortgage or XXXX. I have tried to contact Freedom Mortgage regarding this 'overpayment ', but as of XX/XX/2019, they still have not contact me and return this 'overpayment ' to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex friend posted my info on her social media outlets telling all her followers to commit unemployment and PUA fraud. I then started to get inquiries that i do not recognize. I also got a email from XXXX saying some tried to use another account to file my info on XX/XX/XXXX. I had already filed my return on XX/XX/XXXX. Also, I always file my son. Knowing they do not have my son 's info, the account filed without my dependent is fraudulent. The person who posted my info name is XXXX XXXX XXXX, XXXX : XX/XX/XXXX. Her home address is XXXX XXXX XXXX, XXXX, il, XXXX. I tried to go to my local police department but they told me to file a non emergency report online. I have a Macys card inquire and a CitiBank inquire that was not me. If this woman ( XXXX XXXX XXXX ) has your info for any reason report her.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Friend, About a week ago XXXX  XXXX  sent me an email indicating that my Credit Score from the 3 major Credit Bureaus ( Trans-Union, XXXX and XXXX  ) was very good at XXXX. 

A couple of days ago I checked my XXXX XXXX account and I was surprised, confused andvery, very unhappy! 

I discovered that my credit score had been lowered by 42 points. Something nefarious is going on when a credit score is dramatically reduced virtually overnight!

Today I spoke withTrans-Union representative without a profound answeras to why my credit score was reduced by 42 points inside of a week!

Over the past 2 - 3 years I've worked very hard to improve my score, and I was making steady positive progress in consistently paying my debts and making on-time payments every month!

Can you provide me with some clarity as to why my credit score has been suddenly and dramatically reduced by 42 points? 

I can be reached by email at XXXX, or by phone at XXXX. 

I thank you in advance for your kind consideration and quick response. 

To Your Brilliant Health, XXXX XXXX
Product: Debt collection

My step father and I recently purchased a vehicle from XXXX. During the process we agreed upon a deferred down payment of {$1000.00}. This amount was never paid and our account was sold to Titan Revenue Solutions. An agent by the name of XXXX XXXX proceeded to contact my father and I about collections on this. My father and I are currently experiencing a bit of a hardship financially due to some cut in working hours and some other family emergencies. So in an attempt to explain to XXXX XXXX about this he proceeds to go off on a tirate about how I need to stop acting like a child and hiding behind daddy, and act like a grown up and make the decision for myself and the phone call abruptly ends. I call back thinking there was a loss in signal and XXXX XXXX proceeds to tell me there was no signal loss he got " Tired of dealing with me '' so he hung up. He began to go into another rant criticizing my age and forcibly asking me if i agree to the amount. I proceed again to try and tell him that my father is in talks with the dealership, yet again he cuts me off and proceeds to tell me that I am XXXXXXXX XXXX XXXX and that he is just going to go ahead and report this on our credit as a refusal to pay.
Product: Debt collection

This company has a debt listed which does not belong to me I want it removed