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

In accordance with the Fair Credit Reporting Act, DEPT OF ED XXXX account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX  account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account number # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX BANK # XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # 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 that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XX/XX/22 I called Nationwide Recovery Systems to attempt to dispute a debt not owed. The employee told me there was absolutely no option for me to dispute the debt for {$1900.00}. I logged onto the collection agency 's website using my personal social security number and the debt was listed under a paid account and showing a balance of {$0.00}. I have photo evidence of this. The company failed to ever take this off my credit report. I spoke with the XXXX XXXX XXXX who " promised '' this would be resolved and that they would not try to attempt to change the paid account. I logged onto my account this morning and they completely went against their statements and change the PAID account to an CURRENT account as if it was never paid! I immediately then took photos of this change to prove that they illegally changed a paid account to current. This has placed a huge burden on my life.
Product: Prepaid card

XXXX XXXX XXXX XXXX took my money. And chimes won't give it back
Product: Checking or savings account

XX/XX/XXXX I deposit a cashier check for {$15000.00} I purchased the check from my Chase Branch myself with my ID and I purchased into my account and Chase said it was a fake check how if I purchase it from the bank they closed my account due to that saying they needed a receipt thats fine because I had one but no one asked for it so how was I supposed to know and I have remaining funds in my account they wont let me take out. I feel as though Im a XXXX XXXXXXXX woman I cant afford to have {$15000.00} but thats wrong because Im XXXX XXXX XXXX Im in XXXX I attend XXXX University at XXXX XXXX Im at XXXX I have to put down on a loan and a down payment for my car but I cant because they closed my account because they said the check was fake.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after
any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in  XXXX  of this year I informe d the credit bureaus that I received a number of Inquiries over 1 week period that I did not submit. I was told that I must get a letter from each inquirer in order for it to be removed. Well I have in the past week gathered all the letters representing all the inquires and have scanned them in and uploaded them in order to get the Credit reporting agencies to remove the inquiries. I was told by many of them it will take up to 30 days BUT I CAN NOT WAIT. I hope with these letters they can expedite in my behalf and just remove them manually.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX 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 without my written instructions
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

They started taking money out first like prepco and now amzinprep i askes cash app to give me the account contact info and they didnt do it just dont want to help
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX. XXXX and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

According to XXXX XXXX. XXXX, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XX/XX/year> In accordance with XXXX XXXX. XXXX, I request that you immediately block this fraudulent information from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, you are not allowed to report these accounts on my credit history. 

I have contacted the credit bureau multiple times regarding these fraudulent accounts on my report, but they have failed to provide a solution. This situation is severely affecting my ability to acquire a new home for my children. These accounts were removed and not verified by other credit bureaus, so I do not understand why they still remain on my report. 

I have formally requested contracts containing the information that supposedly belongs to me, but more than 60 days have passed without receiving any response. I ask for your assistance in immediately deleting these fraudulent accounts. 

I have attached the FTC report ( REPORT NUMBER : XXXX ) in the hope that you will make a fair decision regarding my case. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Citizens have violated my privacy on my credit report. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ... ... ... XXXX. Has violated my rights 15 USC 1681 section 602 states i have the rights to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer Reporting agency can not furnish a account without my written instructions. 
And a creditor my not treat a late payment credit under an open end consumer credit plan as a late for any purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

these companies was not authorize to pull my credit
Product: Credit reporting

I had reserved a car on-line with XXXX XXXX XXXX. When I went to pick up the car, I was told I had to give my Social Security Number in order to use my debit card to complete the transaction. I declined to give my SSN, so the agent directed me to XXXX at the next counter and asked the agent to honor the rate I had arranged with Budget. When I tried to pay at XXXX, my card was declined due to a " soft credit check '' by Equifax. The Equifax number on the explanation card was totally automated and only allowed me to request a credit report for a charge of {$7.00}. When I tried to rent a car through XXXX, they wanted to know the flight number I was booked on. Since I was traveling by bus, I did n't have a flight number, but when I asked about a train reservation they said that would be OK. So I called XXXX, bought a ticket with the card previously declined by XXXX. I was then quoted a rate XXXX the on-line rate for XXXX, the explanation being that I was a " walk-in. '' I called my bank and was told there was no problem with my account, which had more than enough to cover the {$200.00} hold requested by the car companies. I also had sufficient cash to cover both the hold and the original quoted rate by XXXX. I finally ended up getting a car through XXXX, same scenario as XXXX. The erroneous hold on my debit card by Equifax cost me both time and money, and no business should be asking for my SSN in order to make a payment.
Product: Debt collection

Dear [ Consumer Agency Name ], I am writing to report harassment and threats from a debt collector named IQ Data International with XXXX XXXX XXXX XXXX XX/XX/2024, I received a phone call from IQ Data International who proceeded to harass and threaten me regarding an outstanding debt. Despite explaining my financial situation as a full-time college student and assuring them that I would make a payment next month, the debt collector continued to make threats about damaging my credit score.

This behavior is not only unprofessional but also illegal. I believe that IQ Data International actions constitute harassment and may violate the Fair Debt Collection Practices Act.

I request that you investigate this matter and take appropriate action against IQ Data International. I have attached a copy of my notes from the phone call for your reference. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have received 10 calls from Exeter finance. Within 1 week. The calls are excessive and have no boundaries. I am late on my payment, however its only been two weeks and I do plan on paying as soon as my finances are in order. I do not plan on going over 30 days delinquent I plan on doing the right thing and making my payment when I have funds available due to the holidays and inflation I am just restricted at this particular time. Despite me owning this dept and planning on paying it, Exeter finance has violated my consumer rights under the FCDPA by harassing me with collection calls even receiving the calls on some days within hours of each other. This is worse than harassment, this is psychological abuse. This company needs to be held accountable for this abuse.
Product: Credit card

I contacted Citibank in XX/XX/year> because I lost my job and could not afford my current credit card payments. My balance is around {$19000.00}. I explained my financial hardship and requested options such as a temporary payment pause, reduced payments, or an interest freeze even short term until I begin working again next month. 

The representative told me the lowest available payment was {$320.00}, and that no hardship plans, deferments, or interest freezes were available. I asked multiple times if there were any other options or if my situation could be escalated. I was told that nothing below {$320.00} could be offered due to my balance. 

I made it clear that I am not trying to avoid payment, but simply asking for time and a realistic option to stay in good standing while I recover financially. I believe Citibank did not make a reasonable effort to accommodate a valid hardship situation. 

Im filing this complaint to request a more flexible and humane resolution and to express concern about how limited the options are for customers experiencing financial hardship.
Product: Credit card or prepaid card

On XX/XX/2020, was at work and received a call regarding a suspected fraudulent charge trying to hit my office Visa credit card. They were declining charge per my request. They closed this account and issued me a new card.

Several minutes later I received a call regarding my personal Mastercard credit card that was being attempted to be charged. Again I declined the charges and they put a watch on my account.

I have ( had ) a Visa credit card thru Chase Bank that I occasionally used for online purchases that I received an online statement from showing a charge for {$230.00} from a " XXXX XXXX XXXX '' merchant, for something I did not order. 
Several days later I received a package from this merchant that was promptly returned to the post office unopened. They marked it as refused, and I assumed they were sending it back. 

I kept receiving statements from Chase and have had several conversations with their fraud department claiming I did not make this purchase. Returned to post office to track the return. I sent them documentation from the post office that this package had been disposed of due to the fact of the way it was sent w no return postage guarantee.

I have since closed ALL of my accounts with Chase and my statement balance is now over {$300.00} with their late fees. I am not paying for something that I did not order.

The only place these 3 credit cards have been used that I can determine is on XXXX, lesson learned do not store credit card info on these type of sites.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had the same  XXXX  student loans reporting on all  XXXX  credit reports since  XXXX , but as of  XX/XX/XXXX  my  XXXX  credit report is showing my loans twice.   I am in the process of consolidating my student loans with   XXXX   XXXX  , but they have not made any moves on the consolidation as of today, so these duplicates decided to just show up out of nowhere doubling my number of negative accounts and dropping  my credit score ( FICO  )  XXXX  points!!   I can not do another dispute with  XXXX  due to an open dispute with them in regards to a cellular phone bill that was opened by someone else in my name without my consent.   I have been working very hard trying to repair my credit and to seen this drop in my  credit score was dishearteni ng.  <P/> I need to have these " evil twins '' removed from my report ASAP.  <P/> Thank you.
Product: Debt collection

XXXX XXXX XXXX 's XXXX XXXX at XXXX id # XXXX called my employer on multiple occasions after being told to stop, ex employers, ex husband, his mew wife, my choldren, family, coworkers, people i dont associate with, EVEN after being told by them to stop contacting them, they continue, my employer wrote me up for this and they wont stop
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 collection

In XXXX, XXXX this company called me requesting I pay a debt. Immediately recognizing the debt that I had been trying to get resolved with my insurance company and previous employer I informed them of the situation. My employer neglected to add my son onto my insurance after he was born, they admitted fault to this. Then the hospital who owned the debt billed the wrong insurance company, again they admitted their fault in this. Meanwhile I was in contact with my insurance, XXXX hospital, and the collection agency almost constantly. 

After everything was finally billed correctly I was left with a balance of roughly {$1600.00}, this was in XXXX, XXXX. I had to scrape by to find a way to pay the company this so on the morning of XXXX XXXX, XXXX I called them prepared to pay this bill in full at which point they informed me that because I had taken so long to pay I know owed over {$500.00} in interest. I was shocked and in tears and tried to reason with them that this is not something I can afford. I had been in constant contact with them for months and they knew the situation and never once had they disclosed interest. 

After being transferred from XXXX XXXX who has verbally made me feel uncomfortable and threatened many times XXXX to her supervisor she berated me with a condescending tone, uncaring that the fees she had charged were never disclosed at any point as a possibility. She decided to lower the interest by about {$80.00} dollars. Eager to get her and her cronies out of my life, I paid in full. 

I understood that at some point I would need to pay this bill, but I had no idea how much it would be until my insurance could process it. The collection company knew this and still they added fees without my consent. I am not trying to get out of paying this bill, I just do n't think I should have paid the fees given the circumstances. 

Please listen to all calls with this collection agency to understand their threatening and demeaning tone. I am mortified and depressed and meanwhile this unethical company gets to open their door another day to harass people who actually do honorable things for a living.
Product: Credit reporting, credit repair services, or other personal consumer reports

This people are rude below is the paperwork of my loan they didnt give me credit for my gap insurance Everything circle on my paperwork are the amount of both loans the Original and the refinance amounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary of issue : I was sent a final remaining bill from KIA Motors in  XX/XX/XXXX for {$120.00}. I paid the bill in full on XXXX XX/XX/XXXX. In late XX/XX/XXXX I noticed on my credit report of a potential delinquent account from KIA motors for {$140.00}. I contacted KIA and they stated it showed I paid on XXXX XX/XX/XXXX, but a stop check was issued on XXXX XX/XX/XXXX and they never received the payment. I asked them why they never sent a message or called me prior to reporting it as a delinquent payment. They had no answer for this. I paid the full amount " again '' plus the {$20.00} late fee for a total of {$140.00} onXX/XX/XXXX. 

The stop check issue happened because 9 months ago my car insurance and bank " XXXX '' put a stop paymnet on my monthly payments to Kia because the leased car was totaled in a storm. XXXX and KIA were working out the payment issue to pay off the car. Both XXXX and KIA recommended putting a temporary block so no more monthly payments would be debited from my account since this car was totaled in the storm, unusable, and towed away by XXXX in XX/XX/XXXX. Unbeknownst to me XXXX made that stop payment permanent for all KIA transactions, hence why the XX/XX/XXXX payment did not go through. 

I have had steller credit for decades and no missed payments, collections, etc. The KIA reporting is not indicative of my credit rating or credit history. I asked them to request to have it taken off my credit because it was a mistake, they refused. 

I have spoken to KIA about this and they deemed the late payment to be valid, although they NEVER informed me the previous payment never went through. They did not give me a chance to rectify the situation, they only reported a delinquent payment. I have asked for a call back from a supervisor numerous times over the past year and never received a call. I have contacted all 3 credit agencies who refer me back to KIA to correct the issue. KIA will do/has done nothing to correct this. My credit score before all this was XXXX, after that one missed payment which I have never had, my credit score dropped to XXXX. This cost me thousands of dollars because I bought a home in XXXX. 

KIA should have informed me of the issue before placing it on my credit report. I was never given a chance to correct the issue, nor even told they was an issue. Found out myself 3 months after the fact reviewing my own credit report, ridiculous. 

Thanks in advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account is reporting late payments and most recent payment of XX/XX/XXXX. However the account was consolidated by XXXX back in XX/XX/XXXX. XXXX info XXXX XXXX XXXX, XXXX, PA XXXX | M-F XXXX to XXXX ( ET ) | XXXX Please call to discuss as I have a letter from XXXX regarding this matter.