23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> a call was made to my cellphone that was from XXXX, AL, ( XXXX ) XXXX, and from a name I didnt recognize. The name was written CAWLEYBERGMANN in all upper case. I, like most people are bombarded with Robocalls, so if its some business or person with which Im not familiar, I let it ring. The caller is then given the opportunity to leave a message, or simply hangs-up. No message was left, and I ignored it. On XX/XX/year> a second call identified as being from CAWLEYBERGMANN, this time from XXXX XXXX, MO, ( XXXX ) XXXX, was made to my cellphone. Again, no message was left. On XX/XX/year>, a third call from CAWLEYBERGMANN was made to my cellphone, this time from XXXX, CA, ( XXXX ) XXXX. Again, no message was left. I decided to see who CAWLEYBERGMANN was. I was surprised to find out that Cawley and Bergmann is the name of a debt collection company, headquartered in XXXX, New Jersey. From what I read online, its a company that isnt always the most ethical in its business practices. 
Last XXXX, I was notified by the company that holds my mortgage that a security breach had occurred and that my name, address, email and social security number had been accessed. So, it naturally occurred to me that I might be the victim of Identity Theft. My mortgage company offered free credit monitoring for a year, and a service called My True Identity that reports any unusual or suspect activity in my name. 
I always pay my bills fully and in a timely way. I never make late payments. I have never been contacted by a person or business, either by phone, email or mail, saying that any payment was past due. I went to the CAWLEYBERGMANN website and emailed them explaining my concern. I never heard back from them. A couple days after emailing them, I decided to call them. Per their website instructions I called XXXX of their numbers that would supposedly connect me to someone who could help me clarify exactly why they were calling me. Each time I called, after about XXXX or XXXX minutes of being told that someone would be with me shortly, a recorded message was played that instructed me to leave a short, detailed message regarding why I was calling. I have never heard back from anyone ; either through regular mail, email or by phone. 
Yesterday, XX/XX/year>, I received the fourth call on my cellphone from CAWLEYBERGMANN, this time from Oklahoma XXXX, OK, ( XXXX ) XXXX. Again, no message was left. 
I dont know what to make of it. I always pay my bills in full and on time. Ive never been notified by any person or business that I have any delinquent debt, and though its possible that Im a victim of Identity Theft, I have no real indication that thats the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I entered dispute with experian about, XXXX XXXX XXXX XXXX, derogatory remarks on credit report, in accurate days late not being consistent, XXXX XXXX thru multiple months being reported as 30 days late, then 60 days late for multiple months, I would like this removed off my credit report as it is reporting new charge off and delinquent status as of XXXX.
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. 

Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Recently I had a public record item removed from my credit report as it reached the statute of limitations. I have patiently waited 10 years for this mark to finally go away. I initiated contact with Trans Union and after about 7-10 days they deleted the information, however they failed to recalculate my FICO. In fact my score prior to the dispute was a XXXX and after they updated and removed the public record, my score dropped to a XXXX. that is impossible!!! I went through the same process with Equifax and my score went from a XXXX to a XXXX after the judgment was removed, that's an increase of 72 points ... and with Experian I went from a XXXX to a XXXX, an increase of 44 points. I contact Trans Union about this and they said there was nothing they could do. Clearly, that is not true. It is ABSOLUTELY IMPOSSIBLE to have a judgment added or removed and not impact ones FICO. I work in the XXXX and a am very well versed in credit. Trans Union 's failure to properly report a accurate FICO to lenders in a direct violation of laws governed by the CFPB, FCRA and FTC. It is also a violation of my rights as the current FICO of XXXX does not accurately reflect my credit worthiness and due to their egregious gross negligence will impact and effect my ability to get a better interest rate.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I saw my credit score provided by XXXX, Experian and XXXX was between 506 - 522. These low credit score caused XXXX  credit card companies denied my request for a card. 

History - Between XXXX and XXXX I paid my full credit cards ( XXXX ) balance totaling {$7700.00}. 
I have sent communication to them receiving no The only card I have is XXXX, with a balance due of {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to XXXX, Equifax, and XXXX  on XX/XX/2020. It has been 30 days and I have not received the results of my investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681 XXXX XXXX  Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  acct # XXXX XXXX  XXXX  XXXX acct XXXX XXXX XXXXXXXX XXXX XXXX acct # XXXX XXXX Acct # XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX Acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX acct # XXXX 15 USC 1681 section 602 A States the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States no consumer reporting agency may have any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( a ) 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 in accurate.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

XXXX XXXX XXXX account # XXXX
Product: Bank account or service

I opened an account with US Bank in XXXX 2010. I was fed up with XXXX XXXX at the time, but eventually went back to them because they are the best big bank. I opened the account with them because I have a few student loans with them. I was working at a XXXX at the time and did n't have a big income. I over-drafted a few time, but always paid the fee. I never set up any automatic payments with them for student loans, bills, etc. I closed the account a few months later because there interest fees and high over draft fees. I got a phone call today, five years later, that I still owed US Bank XXXX. XXXX. I closed the account five years ago and the balance was current. How could I close an account that was negative? They sent the bill over to a collection agency to settle the account. Why I am being harassing from a collection agency five years later about a bank account I have for a only a few short months? Why am I paying fees on an account I did n't even use? Why this is now going to hurt my credit? I am extremely frustrated and fed up with US Bank bullying me around. I find the XXXX to be insulting and overbearing. I am student loan victim and am currently making minimum wage and tips as a server. XXXX is nearly a whole weeks work at times. I also give US Bank XXXX every month for my student. How can they get away with this?
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 between hours of XXXX and XXXX XXXX  I started receiving email notices that withdrawals were being made out of my Cash App account. There were 5 withdrawals totaling the entire amount in the account of {$2600.00}. The email stated that withdrawals were taking place at a XXXX store in XXXX XXXX. I was XXXX XXXX  at the time while my debit card was locked up at home in XXXX, XXXX. I'd never shared my account information with anyone so obviously I was puzzled and completely taken aback by my account being drained of all the savings I had in a matter of minutes. When I got back to my friends house I looked up Cash App website for support to try to retrieve my funds. Unfortunately the website support number provided was the actual scammers who got my checking account information from me and cleaned out my XXXX XXXX account. ( XXXX XXXX replaced the scammed monies ). I finally got a number from my employer who was paying me through Cash App. Ultimately Cash App closed the investigation stating that I had violated their policy and they would not reopen the investigation. It was just last week that sent me information about their policy but they still never made it clear to me what policy I supposedly violated. I'm still confused as to how I may have violated a policy that make this fraud ( Stealing my money from my account ) unqualified for proper investigation and my account made whole again. Detective XXXX XXXX of the XXXX Police Dept. surmises that an actual card was used which might be their claim He also theorized that I used the card at an ATM with a device attached which stole my card number and pin then duplicated the card. I only know that I never shared my information with anyone. That I was in XXXX XXXX  at the time and my card was home in XXXX XXXX. I still have the card.
Product: Checking or savings account

In XXXX XXXX  I opened an account with Citibank with their promotion of $XXXX after depositing $XXXX,XXXX cash into checking and savings. Within 2 weeks, and well within promotion guidelines, I wired $XXXX,XXXX into the account.I have been trying for over a year to get both my promotion $XXXX   credit AND my full $XXXX,XXXX back from them. Countless hours, phone calls, escalations, and still it is completely unresolved. Please help me escalate and resolve this blatantly fraudulent promotion offer by Citi.Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for all my accounts in XXXX of XXXX, subsequently the XXXX XXXX XXXX XXXX  XXXX was disputed as well for inaccurate reporting. Although, I disputed the type of account and the way the information was reported in the payment history. I have attached a copy highlighting this erroneous furnishing. Please look at how the months of XXXX of XXXX goes from a 120 days late to 90 days late then back to 120 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I applied for a car loan with Toyota Dealer in XXXX, Md. Before they submitted my credit information I had a major concern about too many credit inquiries. The financial team told me that they only pull one credit report. I checked my recent credit report today and there are three additional credit inquiries on my credit report from Toyota.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to 15 USC 1681 section 602 ( a ) states I have the RIGHT TO PRIVACY. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX in the amount of {$930.00} XXXX XXXXXXXX XXXX Account # XXXX in the amount of {$250.00} XXXX XXXX XXXX XXXX Account XXXX XXXX in the amount of {$600.00} XXXX XXXX XXXXXXXX XXXX Account # XXXX in the amount of {$1200.00} in the amount of {$970.00} are in Violation of the LAW. 

XXXX5 U.S.C. 1681 section 602 ( a ) section ( 2 ) A consumer reporting agency can not furnish an account without my written instruction 1681b. Permissible Purpose of consumer reports ( a ) In General subject to subjection ( 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.
Product: Credit card

My Citibank card was charged {$330.00} and {$650.00} on XX/XX/year> with XXXX for a flight from XXXX to XXXX XXXX in XXXX which I did not purchase. I disputed this to Citibank and closed out my card. XXXX  denied the claim as my " name was on the ticket ''. However, I know I did not make this charge, and my name being on the ticket doesn't prove anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are not recognized and were unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

violation of my right to privacy and unauthorized use of my credit report.
Product: Student loan

On XX/XX/XXXX I received an email that said my student loan relief application has been approved and that I did not have to do anything else. This has made me confused about the status of my debt as I am not sure if this statement was made accurately
Product: Bank account or service

When I called Bank  Of America to d ispute  one of  the charge on my account, the lady nam e   XXXX   XXXX  ??? ( She told me she does not have working ID, I ask to speak to a super adviser then she told me she is the SUPER ADVISER  ) told me there are   XXXX   transactions  XXXX  on  XXXX   XXXX  for {$780.00} another   XXXX   on  XXXX   XXXX  {$21.00}. I told her I did not authorize the current  XXXX  which is {$780.00}. But she told me she can only dispute   XXXX   on  XXXX   XXXX  {$21.00}. She said " Let me explain to you how dispute works, since you did not authorize this service, we have to only dispute the   XXXX   XXXX   ''. I told her the   XXXX   XXXX     on  XXXX   XXXX  only {$21.00} I do not care about that one. Then I told her double times again " I did not authorize current   XXXX   on  XXXX   XXXX  {$780.00} ''. Her answer is unacceptable : '' No sir, you do not know how dispute works, I know {$780.00} is a big benefit for you, but I can only dispute the one on  XXXX   XXXX  {$21.00} " Seriously Bank  Of America, it is benefit you, not benefit the customer who deposit their money in your Bank ( Do not forget customers pu t the money then you use the money to grow your business ). WHAT A  FRUD  BANK,  XXXX  A BIG JOKE. BASICALLY, YOU CAN DEPOSIT MONEY IN BANK OF  AMERICA  ANYTIME, BUT WHEN YOUR MONEY GONE FROM YOU ACCOUNT WITHOUT YOUR AUTHORIZATION THEN BANK  OF AMERICA NOT BE RESPONSIBLE FOR THAT. IF THEY DO THEY WANT TO CONTROL ONLY BENEFIT BANK OF AMERICA NO T THE CUSTOMERS. THIS IS HORRIBLE SERVICE AND THEY ARE MISTREATING THEIR CUSTOMERS. ALSO I AM A FOREIGNER, SO BANK O F AMERICA VERY    XXXX   TO TREAT A FOREIGNER PERSON!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been falsely verified as accurate by XXXX XXXX and JPMCB Auto after I submitted an dispute in XXXX, XXXX More specifically, I'm reference the fact that : 1.The Charged of month is incorrect. This account was charged off in XXXX not XXXX of XXXX as it shows on my credit report. 2.The payment history is incorrect. On XX/XX/XXXX, my reports shows a 60 day late, how is this accurate when I made a payment on XX/XX/XXXX, how can I jump to a 60 day late without being 30 days late the previous month??? Besides, I made a payment of XXXX on XX/XX/XXXX. In XX/XX/XXXX there a 30 day late reported, but the following month in XXXX shows a 90 day late, how can you go from 30 days the 90 days late in 2 months? These inaccuracies have been verified as accurate which violates the FCRA section 623. There was no reasonable investigation done as outline by the FCRA section 1681i to insure maximum accuracy 1681e ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE INFORM ME TO THE REASON/S WHY THE XXXX XXXX FROM THE YEAR 2006 ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT. AFTER SEVERAL TIMES AT ATTEMPTING TO REMOVE THIS ACCOUNT COMPLETELY FROM CURRENT CREDIT REPORT. YOU HAVE NO IDEA HOW BAD THIS IS AFFECTING THE OVER-ALL HEALTH OF MY CREDIT SCORES. WITH DREAMS AND GOALS THAT I WANT TO ACHIEVE, ALL THE BAD REMARKS ARE REALLY PUTTING A FREEZE ON MY LIFE. WHY IS THIS ACCOUNT STILL REPORTING? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

ORIGINAL CREDITOR IS XXXX XXXX COLLECTION AGENCY IS ALLIED COLLECTION SVCS XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX. MY ORIGINAL ACCOUNT BALANCE WAS TRANSFERRED TO A NEW ACCOUNT # WHEN I SWITCHED XXXX XXXX LOCATIONS. THEY NEVER XXXX  OUT THE OLD ACCOUNT BALANCED AFTER IT WAS TRANSFERRED. INSTEAD THEY HAVE ME IN COLLECTIONS FOR THE ORIGINAL ACCOUNT THAT SHOULD HAVE BEEN XXXX  OUT AND CLOSED AFTER THE TRANSFER. I HAVE AN ACCOUNT WITH XXXX AND IT IS AND IT IS IN GOOD STANDING. THEY ARE RUINING MY CREDIT SCORE. THEY HAVE ME IN COLLECTIONS FOR A DUPLICATE ACCOUNT.
Product: Credit card or prepaid card

XXXX I want my send my check to be put on my PayPal debit card I got my refund in the mail when I did my taxes at they were sending a check in the mail for both but I already got my refund and they said it won't get my stimulate until XX/XX/XXXX and I'm wondering if I can get in my PayPal account debit card thank you you call me at XXXX. My name is XXXX XXXX thank you for your time
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. 

Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 card or prepaid card

First of all, how did I end up with this PNC bank. I did not open an account or credit card with PNC. I have a credit card with BBVA. However, I closed my credit card with BBVA XX/XX/2021 and paid the entire balance. I only have XXXX bill going to BBVA that is why I closed this credit card. I have no Idea that BBVA bought by PNC all of sudden XX/XX/2021 I have received a statement from PNC that I have a balance of {$94.00}. I called PNC at least XXXX times. I spoke to different customer service people and they can't figure out why I have a balance. It's so frustrating, what a nightmare! I spoke to their dispute department several times in XX/XX/2021. I explained to them the entire scenario. They told me that they are going to submit my dispute but then it's just going into a circle nobody 's working on it. I wish PNC will go out on business.I keep receiving a lot of emails & text from their collection debt dept. this is not fair to me that i have to deal with this issue. XXXX  XXXX  XXXX  PNC!