23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX contacted me from Commenity Bank in reference to a Victorias Secret account I had. Ive experienced hardships from Covid to losing my job and eventually not being able to afford childcare. Ive explained that to a representative previously before my phone was damaged. She stated theyve been trying to contact me for months, but how would that be known to me if my phone isnt operating. She began to get irritated, irate, nasty and quite angry when I repeatedly told her what my current situation is and even threatened me by saying the charges are going to add up and Ill be sued so I just need to pay something or borrow more money. I proceeded to ask her if shed give me the {$20.00} she was demanding and she became unhinged, shouting out obscenities and yelling about how she didnt create this debt. It was just awful. I requested to speak to her manager but she rudely said theyre going to tell you what I just didnt why arent you listening and was placed on hold for what seemed like forever and unfortunately lost my connection. No one of that nature needs to be conversing or communicating with customers or consumers at all. I was then contacted several times from an unknown blocked number which I believe was XXXX XXXX.
Product: Checking or savings account

I had my identity stolen at beginning of the year and this severely affected both my personal and business accounts with TD bank. It all started when my phone was stolen. I filed police report and everything. This person fraudulently manipulated my accounts and withdrew thousands of dollars from my balance ( prior to any of this ), deposited fraudulent checks, changed contact information and other things. I reported this and requested to get issued new account numbers and TD refused and gave me the excuse of they got in through your debit account but highly unlikely they know your account number I kept pushing for this to no avail. Than they fraudulently stole over 7 grand and td never contacted me once and I didnt even know until tds collection agency started calling. I have numerous police reports and everything needed to prove this. Ive gone into branches personally also. I was told to contact their investigator whose name is XXXX her number is XXXX and my case number is XXXX. She blocked my number from calling her after the XXXX messsge left. No investigation was ever done nor had anyone contacted me still! I had thousands of dollars spread up between and my XXXX or XXXX accounts and never received a penny! They kept it I assume due to the fraud on my account but I never did anything wrong and Jusy want my money
Product: Credit card

I've consistently made payments on time. Please correct my account by removing this late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made a complaint about not being able to access my Equifax credit report online. In response, today, I received in the U.S. Mail, from " XXXX XXXX XXXX XXXX, a paper form to order any of my credit reports THROUGH THE MAIL. This form requires LESS information that what is required online. Why do I have to risk sending this paper form with all my identity theft information through the mail, and wait 15 days, when it is, by law, supposed to be available to me ONLINE? That's a rhetorical question. I'm NOT going to send this form in. I expect all of the credit reporting companies to have functioning software and websites so I can access my " free '' credit report ONLINE. As a result of complaining to YOU, all I've got was this XXXX response by the XXXX XXXX XXXX XXXX, probably staffed by leftovers from that XXXX Trump, AND solicitations to BUY my online credit information from XXXX. At what point am I going to be able to get my credit reports ONLINE and get corrections made ONLINE? That seems a LOT more efficient than having me spend hours online only to find out that these predatory for-profit XXXX are NOT REALLY giving weekly free credit reports online ; it seems a LOT more efficient than requiring me to send in a weekly, paper, request via U.S. Mail. All three of these for-profit credit bureaus need to be sued BY YOU and fined for fraud. XXXX and these three credit reporting companies are ONLY using their online presence to try to SELL stuff to consumers and they are doing that by REFUSING to make these credit reports available ONLINE. Even when I've been able to get a credit report, those reports are incomplete - they **** the last four digits of MY accounts, old and new and I can't identify accounts without that. And, so far, each of my credit reports has either missing or incorrect information - but I can't dispute it online, because, " sorry, but our website is down now ( always ) ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and complained about a fraudulent account appearing on my credit report ( Capital One Bank Credit card ). I was transferred to the fraud department and they requested I submit and FTC report. Which I did to the XXXX bureaus, XXXX and XXXX were able to validate my claim and remove fraudelent account. XXXX is the only one that has yet to remove the fraudelent account. This is really affecting my personal finances as I try to keep everything in order and pay all my obligations on time. It is also affecting my creditworthiness, and I'm being rejected for housing or apartments. I already explain to them that my information has been made available to the dark web, due to several breaches. My information was breached in the XXXX XXXX, XXXX and Capital One Breach. 
This has been a real exhausting process, and a stress on my poor health. I do not know what else to provide them, to proof that I did not open said account. My next step is to go out of my pockets and get an attorney involved to help me resolved this issue. The account is Capital One business card which I never applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to work with XXXX ( along with TransunionXXXX ) to remove inaccuracies within my credit report, and they have continuously refused to even investigate my claims. Each time, I recieve a bogus, auto-generated response - even though I am sending PROOF that the claim is valid. Please see their email response below : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX for free '' There is NO law that states a consumer can not use a third party, so using that as their excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. 
Even so, I have sent these letters myself now on 4 occasions ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 ) .. the companies are ruining people 's lives and are not being held accountable. 

Thank you in advance for looking into these issues.
Product: Debt collection

I called todayXX/XX/2020 at XXXX XXXX, XXXX spoke with ( mr. sXXXX ) wouldnt transfer me Rudely hung up on me bc I told him he couldnt assist me bc I need to speak with Mrs. XXXX directly, @ XXXX spoke a rude representative I asked for her name and she hung up on me. I called back at XXXX to speak with Mrs.XXXX  and I was told that I couldnt speak to her because my account is restricted and referred back to MR.XXXX  and I kindly explained to the representative that I didnt want to further speak with Mr.XXXX because he is very rude. I also asked if I could be transferred to Mrs. XXXX voicemail and was told no because she is very busy. So I am confused as to what I am suppose to do. I wanted to speak to Mrs. XXXX about my other options of payment towards the extend settlement for XXXX. I have called for 4 times to get the same end results and 2out of the 4 calls the agents was very rude. It just frustrating because In the company response it say to contact the number and Ext to speak with Mrs. XXXX and now Im being told be agents that I would need to speak with Mr . XXXX just to be in contact with Mrs.XXXX  which dont make sense at all. All I want to do is resolve the matter.
Product: Debt collection

I already submitted a complaint, case number XXXX in XXXX. The debt collector agreed I did not owe this debt and removed it, and now XXXX XXXX ( which by the way is not a company that actually exists, and must be someone going around illegally trying to collect money ) has gone with a new debt collector. Their name is XXXX XXXX XXXX, XXXX. The client reference number is XXXX XXXX. I submitted a complaint against the other debt collector and XXXX XXXX XXXX XXXX, yet they seem to be allowed to harass me with a new debt collector. They are using my maiden name ( which has n't been used since XXXX ) and SSN. I do n't understand why this continues to occur, so can someone please stop this harassment? Thanks.
Product: Credit reporting or other personal consumer reports

I'm reviewing my Equifax credit report and looks like there's unauthorized hard inquiries. 
XXXX XXXX  Date of Inquiry : XX/XX/year> Business Type : All Banks XXXXXXXX XXXX Date of Inquiry : XX/XX/year> Business Type : All Banks XXXX XXXX Date of Inquiry : XX/XX/year> Business Type : All Banks
Product: Credit reporting, credit repair services, or other personal consumer reports

Usaa Fraudulently enrolled me without my knowledge in a covid banking program that waived my NSF charges. This harmed my credit because when there was an issue with my usaa credit card payment I was unaware even though I logged into my account daily. Had they left my account alone I was have known there was an issue and resolved it quickly. Instead I was notified by credit karma!! Thats awful. Usaa called a number that I said was not a good number for me. They had no right to enroll me in a program that I didnt ask for that gave me no notification of problems. Because if this usaa reported I was 30 days late when I had no idea there was an issue and this was caused by the covid banking program that I never asked for. Why would I ask for a program that blocks banking notices and doesnt help with anything. I didnt need there help if I did I would have asked for a different relief. My credit was great and now because if them it XXXX. Plus they lowered my credit limit.
Product: Credit reporting

XXXX Card XXXX was disputed for accuracy with claim XXXX. 
Date Opened XXXX/XXXX/2008 is incorrect and not verified. No copies of signed contract supplied. 
Date Last Activity is blank and incomplete Charge off Amount is Blank and Incomplete CRA XXXX XXXX XXXX XXXX ( A ) 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 shall promptly DELETE that item of of information from the file
Product: Mortgage

I have been trying for the last two ( 2 ) months to get an extension on my short sale approval letter. Last month on XXXX/XXXX/2015 my lender had me do an amendment to extend the purchase contract and here it is almost a month later, and my short sale negotiator states that someone dropped the ball. Meanwhile, my buyer 's money has been sitting in escrow for the last two ( 2 ) months and my buyer is not willing to extend the purchase contract. I have reached out the negotiator and his supervisor and have not been contacted back. I can not tell that the bank is working to assist me the consumer in foreclosure alternatives. It appears that they are pushing me toward foreclosure.
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated that everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states customer reporting agency can not furnish a account without written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : no customer reporting agency may make any customer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antendates the report by more than seven years.

15 USC 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 belive that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting, I have evidence to prove my case.
Product: Debt collection

A review of my credit report shows an erroneous charge by XXXX of {$2300.00} ; for what I do not know. In 2011, I departed my rental unit with all rents paid. Now they seek an enormous sum of money for services I did not incur. They violate the Fair Debt Collection Act and the Consumer Protection Law. Their erroneous credit reporting has severely impacted my ability to live a normal life ; such as rent an apartment or purchase a car.
Product: Vehicle loan or lease

I am filing a complaint against Lexus Financial Services because they have failed to : Acknowledge that my account is paid in full in the amount of {$52000.00}, proof of which was sent to them via a 1099-A form on XX/XX/year>, and also submitted to the IRS. 
Update the account status as paid and properly notify credit reporting agencies. 
Provide me with the vehicle title, which I am entitled to as the debt has been fully satisfied. 
I provided proof of payment per 31 U.S. Code 5103 - Legal Tender, which confirms that Federal Reserve Notes are valid payment for debts. I also understand that my account was securitized, bundled into asset-backed securities ( ABS ), and sold to investors such as the Federal Reserve . Lexus Financial has already been compensated through this process. 

By accepting my application and negotiable instrument, they withdrew Federal Reserve Notes from the U.S. Treasury using my social security number and signature. The IRS can confirm this transfer of funds. 

Lexus Financial has refused to fulfill their obligation to close the account, transfer the title, and correct the reporting to credit bureaus, despite my repeated good-faith efforts. Their actions appear to violate : 12 U.S. Code 411, which outlines the legal status of Federal Reserve Notes. 
12 U.S. Code 504- Civil Money Penalty, which imposes fines for breaches of fiduciary duty. 
Their lack of compliance and refusal to resolve this matter has caused undue stress and financial harm and hindering me from performing my fiduciary duty.
Product: Checking or savings account

On XX/XX/XXXX I was in the city that I live in and got gas at a local gas station using my debit card at approximately XXXX XXXX when getting gas I was asked to put in my PIN number, as usual, and I did. About XXXX minutes later ( XXXX ) I recieved a text from my bank asking if a purchase at XXXX XXXX XXXX had been made by me, and I did not have my phone at the time so I replied at XXXX with NO which was the prompted answer. I then called the bank and blocked my card and also filed a dispute. In total {$560.00} was taken ( in increments of {$80.00} ) with description XXXX XXXX at XXXX XXXX XXXX, XXXX Ohio, {$240.00} in 3 increments of {$82.00} at XXXX XXXX XXXX XXXX XXXX XXXX, and then {$600.00} at a XXXX on XXXX XXXX XXXX ( the same address as the original withdrawl. When I filed my dispute Fifth Third told me that they would grant me provisional credit for the disputed items while the case was investigated. When this provisional credit was granted it was only for the {$500.00} for the XXXX withdrawl at the XXXX XXXX XXXX but not the other charges. I called and explained this and the bank said that they did not realize the other charges were fraudulent and then opened another dispute for the rest of the charges. In received a letter dated XX/XX/XXXX saying that my dispute for the {$500.00} charges had been completed and there had been no findings. On XX/XX/XXXX, {$850.00} was taken out of my account with the description reversal of provisional credit. That is the money that was included in my second dispute. I called fifth third who put me on the line with a dispute XXXX who explained that the dispute had been denied because the charges in XXXX had used my PIN. I explained to her that I purchased gas at XXXX XXXX   on XX/XX/XXXX and that I had received the text from them at XXXX XXXX  to alert me to the fraud. The fraud that they had alerted my to was after many of the purchases were made, which I have to assume had occurred in the moments prior. XXXX, Ohio ( where I got gas ) and XXXX, Ohio ( where the purchases were made, are 1 hour and 30 minutes  apart, so there is no physical way that I could have gotten gas using my card in XXXX at XXXX and then made it it XXXX by XXXX. Also, the dispute that did get accepted included purchases made at the same address ( XXXX XXXX XXXX XXXX, Ohio ) as the dispute that got denied. The dispute that got accepted had charges that stated a XXXX XXXX at this address, and the dispute that got denied listed a XXXX at the exact same address. The XXXX at fifth third also said that they had record that I had authorized the purchases when they contacted me, but I have screenshots on my phone that record me saying NO when asked if one of the charges was me. She advised I emailed fifth third explaining this in writing and I did on XX/XX/XXXX ( I asked for confirmation when they received the email ), and I had no response. 

Thank you
Product: Credit card or prepaid card

American Express extralegally closed my checking account and globally reduced my credit limits for no valid reason in violation of my credit agreements with them. 
When questioned a Customer Service employee cited " something we found in your credit '' No deragatory information was found in any of the four credit bureaus and no deragatory information was found in XXXX XXXX. 

Additionally, I have never been late in my 19 year history with American Express. 

I provided income information and it was ignored and I can not reopen a business or personal checking account with American Express. 

The only remedy is the restoration of my account and reversal of any adverse action namely the XXXX point loss caused by the cut in my credit limits abd the resulting increased ratio of debt to available credit. 
I am requesting that a letter of apology on American Express letterhead be generated stating that they have reversed the reduction of my credit limits globally thereby restoring my debt ratio to pre damage standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of XXXX, I reviewed my credit reports from XXXX, XXXX, and XXXX credit bureaus, and identified an collection account for which I do not owe any money. A company doing business as National Credit Adjusters reported to the 3 major bureaus that I owed them a balance of XXXX. I disputed the charge, as I do not owe the amount. I reached out to the company for validation of the unknown debt, and was not successful at getting this account verified. I have never conducted any business transactions with this company. Per the credit reports, it states the account was opened in XXXX of XXXX. I DID NOT OPEN ANY ACCOUNTS WITH THIS COMPANY OR ANY OF ITS AFFILIATES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance shows as a hard inquiry on Consumer 's Credit Report. Was supposed to be removed XX/XX/2018 and is still has not been removed from consumer 's credit report after appearing for two full years.
Product: Debt collection

I sent letters to XXXX, XXXX and XXXX on XX/XX/XXXX  regarding fraudulent collection items on my credit report Medical Data System IncXXXX XXXX XXXX XXXX  XXXX have violated my FCRA & HIPAA rights. This is a violation of my rights due to providing medical data & information. I've disputed these items with the XXXX reporting, and FTC. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these fraudulent collections are preventing me from doing so. These the items i would like to be removed : Medical Data System Inc Amount {$1200.00} Date Opened : {$1200.00} Medical Data System Inc Amount {$2800.00} Date Opened : {$2800.00} These are violations of my FCRA right and against law : 15 USC 1692c ( a ) - without the prior consent of the consumer given directly to the debt collection, a debt collector may not communicate with a consumer in connection with the collection or any debt 15 USC 1681a ( 2 ) ( b ) - I demand this account to be excluded from my consumer report 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) - I demand this account to be removed ; the sharing of medical information and payment transactions for medical products or services is a violation 15 USC 1681b ( 4 ) - I demand my medical information to not be disclosed 15 USC 1681c-2- I demand account to be blocked from my report due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion is reporting my XXXX XXXX XXXX XXXX is a charged off as a bad debit for {$9900.00}. This is inaccurate, This account was paid in full which is reporting paid 100 % paid off on my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify this account in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report this account as unconfirmed information without validating them within the legally required time range. The false information on my credit report has to be investigated, amended, or completely removed : ( Original Creditor : ) XXXX Balance : {$910.00}