23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a phone call from XXXX XXXX at XXXX from the national bonds ( debt collectors ) and she immediately went into a hostile tone of voice saying i had bad checks and i needed to submit a payment, etc. I told her i was a XXXX XXXX which i am in college and i dont make as much as i was before. So what can i do if this is the case. She became very arrogant over the phone. She began to speak in a ruder tone sarcastic tone. She repeatedly kept saying almost like mocking or making fun of that i had two bad checks because she just kept saying it over and over again. I then asked her if there was a smaller amount i could pay monthly and she kept over talking me interrupting me speaking louder or over me, she then said she was going to report me to the XXXX county jail that i am delinquent and refusing to make a payment. This company has threatened me numerous occasions that they are going to report me to the jail for refusal to pay when i never stated in any calls that im refusing to pay but may need to pay smaller amount until i work full-time again. XXXX actually hung up on me in mid sentence. I called back to speak with her supervisor and another women picked up she told me if i had a problem with them to contact XXXX county jail so i called them they didn't help i called back and was transferred to XXXX she was almost like laughing at the fact when i told her i just got off the phone with XXXX county jail she said " why would you contact XXXX county jail '' i said " the women i just spoke to told me to before i called back again and was transferred to you. XXXX was yelling over the phone and kept yelling i told her behavior was inappropriate over the phone and it is very disrespectful to hang up on someone she then lied and said i hung up on her. Why would i hang up on myself if im still talking through the phone? She kept saying " I dont give you my permission to record me '' she yelled it about 3 times over the phone and i have no idea why. I never said i was recording her at all. This phone call was horrid. Absolutely horrid both females were telling me how to talk to them when i was not disrespectful at all i was hung up on trying to explain the situation and find another solution to paying the debt owed but in school XXXX. This company always threatens to report me. XXXX said " if i dont receive payment by the last day of the month shes reporting me to the jail ''. This is not appropriate. I called back and spoke to a man named XXXX XXXX and told him what was said and he also stated that was uncalled for and not appropriate at all. I told him everything XXXX said and did and that was not appropriate at all XXXX stated. So if another associate from this same company feels that i was spoken to incorrectly and treated unfairly or less than then that should tell you that XXXX XXXX behavior is unacceptable. I have been spoken to by many associates from this company disrespectfully, threatened, hung up-on and talked to like a child or a dog. Almost every situation it has been by a female caller. This company must know me very well because everytime i call they answered by saying " is this ms   ... ...?
Product: Credit reporting or other personal consumer reports

Incorrect information placed on report. Unauthorized reporting.
Product: Credit reporting

I have a credit freeze in place but Experian provided XXXX XXXX XXXX access to and a copy of my report.
Product: Money transfer, virtual currency, or money service

I was looking on XXXX for a rental. After inquiring about some homes, I was contacted via email and text by a person claiming to be named XXXX XXXX. He sated that he was the home owner and that I could go take a look at the home anytime between XXXX XXXX XXXX XXXX XXXX. I went to see the home and I submitted an online application. After my application was approved. I signed a lease. I then sent a refundable security deposit of {$1700.00}. I asked to view the home again. I was then told that the lock was deactivate until. I became the registered user because the assess code had been given out to to many viewer. I was told when I paid the total move-in cost the lock would be reactive. I sent another {$1700.00}. Then I was told there was an hoa fee of {$1000.00} that had to be sent via crypto currency, would be refunded on the same day. I was sent a qr code to use at Athena Atm style machine. I sent {$100.00} ] on XX/XX/25. Being that XXXX, XXXX  and other legitimate business use Qr code, I thought that using this made the company legitimate. This company allow.qr code to shared or screen shot to aid scamers. They failed to build in safe guards because they want scamer to use their services. They only care about people using their services they do not care who or for what their services are.being used for. After doing that still, no access. I was later told another {$500.00} was needed. I concluded that I was being scamed. I checked with the assessors office to verify the registered owner which was the business name the scamer gave me. When I called to report what happen to me to Athena I was told there is nothing they can do. I asked if they had any funds they could return or give me, the said no. They put these ATM is poor communities and then tell community members when they are scamed using these ATM, there is nothing they can do. They are preying on certain communities. They know exactly what they are doing and they must be held liable.
Product: Checking or savings account

My Ally Bank debit card was charged XXXX XXXXXXXX in XXXX. Despite a huge spike in fraudulent charges in XX/XX/2022 to Ally Bank debit cards Ally Bank did not notify customers about this data breach. Disputing transactions online was not possible - it just said to call. Wait time on the phone was over an hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reached out to the bureaus and creditors regarding incorrect items on my credit report. I've been going back and forth for almost a year now and this is very frustrating that. My name is incorrect, my address is incorrect. I've opted out of having my information shared. I sent in letters from the bankruptcy court stating they are not reporting any bankrupt. I've tried disputing with letters and by phone but nothing seems to work. Student loan department have been reporting late payments when the account is actually in deferment. This is caused me quite but of XXXX. I would like only XXXX name and address on my report. I would like the XXXX to be deleted, XXXX was the only bureau who deleted the information. Equifax is reporting a collection with no contact information for me to see what exactly it is. They just send me letters saying this is verified. I'm not sure who verified this information if there is no creditor listed. XXXX XXXX Equifax is showing XXXX as a creditor one says a charge off and the other is current with a balance on XXXX and {$0.00} on the other.
Product: Credit reporting or other personal consumer reports

I disputed a fraudulent account with Transunion a few months ago because someone open an account with XXXX that I did't authorize. 
The account was investigated and proven to be fraud and it was removed. However, XXXX sold this account to XXXX XXXX XXXX which reported late payments on my credit report. They have never contacted me or sent out a letter. When I spoke with a representative NO ONE knew that this account was FLAGGED fraudulent but told me it could only be removed if i paid the balance due or make a payment arrangement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delinquent account paid down in full to zero balance not updated on my credit report dropping my score from XXXX to XXXX barring me from getting loans for the company. Jeopardizing very large multi million dollar transactions. Truist bank.
Product: Bank account or service

THERE IS A INQUIRE ON MY CREDIT REPORT THAT DONT BELONG TO ME AND I WROTE TO THE COMPANY AND ASKED THEM TO SEND ME PROOF THAT I MADE THIS INQUIRE AND THEY FAILED TO DO SO
Product: Credit reporting or other personal consumer reports

i have recently checked my current credit report and there are many accounts on my report that do not belong to me, after investagating i have realized that someone has stole my identity to obtain services and goods using my personal information., i have filed a ftc report and reported the incident with my local police dept, i am willing to work with law enforment to captuere the people responsible for stealing my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a few inquiries on my credit report that do not belong to me
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting the immediate removal of several fraudulent accounts from my credit report under Section 605B of the FCRA, due to identity theft. These accounts are severely impacting my ability to access essential credit. I have provided the necessary documentation to support this claim and urge you to correct my credit file as quickly as possible. Your swift attention to this matter is greatly appreciated.
Product: Debt collection

the debt collector engaged in abusive deceptiveand unfair practices of FDCPA which it prohibits they furnished this account that we didnt agree upon and I didnt sign an agreement on a legal ; contract is signed by two parties and I did not participate in any of it More so they didnt follow the proper 5 step validation procedure which make this unfair practices
Product: Credit reporting or other personal consumer reports

I have no knowledge nor have I given authorization for any of these company 's to run my credit or open accounts with my permission, please removed within no later than 4 days as per 1681c-2
Product: Debt collection

I received a call that I would get documents delivered to me. They gave me a # to call. I called the # and was told that I owed debt to XXXX. That is I did n't make arrangements that I would get documents delivered to me. I asked for a validation notice as well as their Professional License # which they did n't provide. I was told that they would mail me the validation notice which they told me before that they would mail it and I never received it. I was told they were with litigations and they were working on behalf of Platinum Holdings who wanted them to sue me.
Product: Debt collection

I am writing to file a complaint against XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX and ABC Fitness or ABC XXXX  regarding an outstanding balance of {$100.00} associated with my membership at XXXX  XXXX XXXX. 

I am asserting that this amount is INCORRECT for the following reasons : XXXX. My fianc, XXXX XXXX, and I have been utilizing the EXACT SAME credit card ENDING IN XXXX under her name for auto-payments for our memberships. This card is valid, has not expired, and was just charged on XX/XX/year>, by XXXX  XXXX XXXX, for XXXX XXXX membership. They dont have any issues charging that card for her membership and have continued charging for the past years. However, my membership payments have been wrongly stopped without my consent. It is unacceptable that XXXX  XXXX XXXX continues to charge my fianc on the same card while my payments have ceased. With that, I can conclude that the credit card is not the problem here. 

XXXX. During my visit on XX/XX/year>, to the XXXX XXXX XXXX  location in XXXX at XXXX XXXX, I spoke with the manager, XXXX, regarding my statement above. XXXX verified and confirmed that the card is the same. XXXX could not provide a satisfactory explanation as to why corporate has stopped taking my payments. 

XXXX. On the call with XXXX XXXX XXXX XXXXXX/XX/year> at XXXX XXXX, I am trying to work out a solution. I advised them that the credit card is obviously working because they just took out money from that card for my fiance 's membership. They said it is not their problem because ABC Fitness XXXX XXXX is the one they use to handle billings. They told me that reason mine was sent to collection because my card was expired and I did not update it and that ABC tried to contact me. The card is indeed not expired because like I stated above, they just took money out for my finance membership On XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing Consumer laws I have found out that in accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education # 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 an account without my written instructions. 

15 U.S.C 1681 ( 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 on 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 accurate. 
These inaccuracies are stopping me from obtaining credit for my family.
Product: Credit reporting or other personal consumer reports

( statement of pertinent facts ) Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an student loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an account opened at XXXX on XX/XX/XXXX under the account number ( private ), and another account opened at XXXX Funding on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned personal loan accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporting act XXXX  Account # 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: Debt collection

Acquired a merchandise loan with  XXXX   XXXX   XXXX  in  XXXX  of    2016 for { $2000.00}. The merchandise was returned  two  weeks after purchase, and been trying to get my final balance since the merchandise was return ed. Monterey Financial  handles the accounts and are the one reporting on my credit. I 've been back and forward with this company regarding this account, but company is very rude and insist the I pay them a balance of {$5900.00} for merchandise that was returned. I 've even contacted all   XXXX   credit companies but nothing seems to happen . Monterey Financial refuses to give final balance, and remove account from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Transunion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. I sent my request way past 30 Days before but I still didn't receive anything from Transunion. Per FCRA, without any response for 30 Days after disputing my accounts should be considered as deleted or removed. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$140.00} XXXX/XXXX  XXXX Balance : {$1800.00}
Product: Checking or savings account

My account is currently overdrawn due to reversals for a 3 claims. I ordered items off of XXXX back in XXXX they didnt arrive on time. So l was informed I would receive a refund from XXXX when the time lapsed I called XXXX they stated that the refund could take up until XXXX. So I informed them I would contact Chase. The XXXX app stated I would be refunded with XXXX since the items didnt arrive on time. I filed a claim one for XXXX and XXXX. On an early call back in XXXX when I had to replace my debit card I inquired about he claim and I was told the XXXX refunded the money for those transactions. A few days after the claim the post office delivered the items but I returned them immediately after. So XXXX fraudulently informed chase the items were delivered but never informed them also that the items were returned back. So now my Chase account is overdrawn because they reversed it the credit. I received a call about my account being overdrawn 4 weeks ago and I explained to the rep it was for two credit reversals. She stated to upload the documents to show I sent the items back to XXXX. I called chase then they told me to wait XXXX hours. I didnt call back so XXXX weeks ago I get another call about my account being overdrawn I explained once again the situation so I was connected to the XXXX department and after a long call they reviewed my documents and stated that they were going to apply the credit back for both XXXX charges and the credit would be permanent. I was told it would take about 2 days for it to reflect back in my account.I never received the credit back. So now today XX/XX/2024 the claim department says the escalation department states they cant reopen the claim even though I was told the funds were given back, I was told the credit would be permanent. The bank failed to appropriately investigate my claim. Today I was told to contact the merchant because its nothing chase can do. So I explain it was my account the money came out of. I no longer buy items from XXXX since I was informed by their back office that they alleged Chase blocks refunds from being processed back on my card and chase denies it. I then asked to speak with a XXXX and instead of them addressing the issues or providing information if chase has a legal department they supervisors just constantly repeats I need to reach out to XXXX but Chase knows they blocked it to where XXXX cant processes refunds to my cards.
Product: Debt collection

i just informed Lobel Financial by mail of their violations in Federal Truth-in Lending disclosure retail installment loan that was PAID IN FULL by my credit transactions finance charge pursuant to 15 USC 1605 . By use of my social security number { credit card 15 USC 1642,15 USC 1602 } As well they are in violation of 15USC 1635,15 USC 1666,15 USC 1611,15USC1640,15 USC 15,15 USC 1692k { 5 } and 29 USC 1109 .
Product: Money transfer, virtual currency, or money service

Coinbase has flagged my XXXX account that i have since 2017 for manual review. Cant withdraw my funds. I don't think they have the right to keep my assest hostage like this. Case number # XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax compiles with federal law and provides consumers with necessary proof of investigation. 

These are the accounts that I have marked as inaccurate. 
Dept of Ed XXXX {$95000.00} Dept of Ed XXXX {$18000.00} Dept of Ed XXXX {$15000.00}