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

I started receiving calls from a group called Collections USA out of XXXX, AZ. This is from a judgment on an eviction that I had back in XXXX. Because their client XXXX XXXX XXXX gave me bedbugs on two occasions. That's the reason for the eviction. I have spoken with them about this and have for years, despite repeated calls to try to get me to pay the amount. I have told them that I do not have the money and that I owe other debts and that when I get those paid off that I would get to them when it's their place in line. I have told them that I do not want to pay it out of principal on account of the bedbugs. Which is neither here, nor there. During the last couple weeks, I have needed to find housing for myself and my credit is getting ran and they were possibly spoken to by the new apartment leasing company that I applied to - I don't know? But what I do know is that their calls started on XX/XX/XXXX and they called again on XX/XX/XXXX ( I didn't pick up either time ). These calls are coinciding at the same time I am looking for an apartment. Then on the same day XX/XX/XXXX I received a notification from my XXXX credit reporting app that I had another collections account added to my report and I looked and it's COLLECTIONS USA, again. This time saying that it's for the same debt, but for the {$3.00} difference in interest that the court taxes on every month ( the interest I have known about all along and another of their coercion tactics ). But it's saying that this account is from XX/XX/XXXX??? Why is there the original one on there from XX/XX/XXXX too?? This is where I have a problem. It is intimidation on their part and they shouldn't be allowed to conduct business this way if that's how they conduct business. I called and left a voicemail on Friday XX/XX/XXXX and told them to contact me immediately. It had turned into Monday XX/XX/XXXX at XXXX XXXX and I hadn't heard from them and so I contacted them to see why they would put that other flag on there and they told me that " they didn't know? '' but that " they could garnish my wages ''. I told them that I had already done this song and dance with them and that what they was saying wouldn't work. They then said they would have their billing department " look into it '' and " get back to me ''. I then proceeded to tell them that I would be contacting XXXX XXXX  for hire ( which I have ) because I felt that this was " probably not legal ''. XXXX XXXX has stated that they have " dealt with them before '' and that it " isn't surprising what they're doing ''. This is why I am filing this complaint against them, along with getting representation. They are predatory and advantageous at best and I would like them to leave me alone about this and I would like to see that they and the debt go away for their borderline fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I am sending this to request my full credit file. Including ( sources, report recipients, and summary of rights ).
Product: Credit reporting or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the balance of {$5100.00}. I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Product: Credit reporting or other personal consumer reports

Try to validate the debt with a bill of sales or assignments contract and requested XXXX form XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I hereby formally request compensation for the considerable hardship, stress, and wrongful actions I have experienced as a result of the misconduct exhibited by this company. It is imperative that legal measures be initiated against the company for the misappropriation of my funds through falsified court documents that were inaccurately represented as having been resolved by the courts, which constitutes a clear violation of the law. 

I am in the process of retaining an attorney who specializes in financial fraud and possesses a comprehensive understanding of the complex legal violations involved in this matter. This legal representation will be critical for filing a thorough lawsuit against the company in pursuit of justice and restitution for the damages I have sustained. 

Moreover, I expect the company to assume full responsibility for the mental health support that I require. I am in the process of scheduling counseling sessions to address the stress, XXXX, and XXXX directly resulting from their actions. I assert that all associated expenses should be covered by the company. This situation has significantly impacted my well-being, and they must be held accountable for the repercussions of their actions. 

XXXX LOAN WAS TAKEN OUT. 

XXXX I attempted to pay an amount that I could afford due to being in financial hardship but the Manager from XXXX, Alabama DECLINED THE OFFER I STATED I COULD PAU TOWARDS THE LOAN WHEN I WAS CONTACTED BY THE REPRESENTATIVE CALLED ME. 

XXXX I reached out for a settlement and offered XXXX dollars and was XXXX told that if I can not pay the amount in full then no payment will be decided down or brikent into icriments. 

XX/XX/XXXX I was taken to give documents that I was being sued. I took the documents to the courts and agreed upon a payment amount the clear office the judge and I signed off on the agreement and set up arrangements to pay the entire loan back in full plus the interest and late fees. I made, XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX payments when Credit Central illegally created documents and sent them to my employer and created a garnishment with fraudulent documents that acted as if the court order for the settlement at the clerk 's office didn't exist and as if the courts had gave them rights to garnish my wages. I was informed by the courts that I needed to file the petition and get it submitted to the judge after writing it out on XX/XX/XXXX when I noticed that XXXX dollars was garnished/stolen/fraudulently taken by Credit Central. I am filing criminal charges and have filed the request for my money to be returned that has caused me a tremendous amount of problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is obtaining and reporting information and without my written consent.
Product: Debt collection

I have been contacted by IC Systems for XXXX XXXX over an old phone bill that was originally {$810.00}. They kept bugging me in spite of the fact that I told them I can not work due to an injury and so in XX/XX/2022, I agreed to pay {$5.00} per month until my sister could help me pay it off. They sent an agreement to me in the form of a PDF file locked with a password to my email agreeing that, " an I.C. System employee, who documented your offer to settle the balance of {$810.00} owed to XXXX XXXX for the reduced amount of {$120.00}. '' I have paid the $ XXXX each month on time via auto pay from my bank. My sister called today to settle up the remainder of the bill and they decided to argue that I now owe the entire {$810.00} again. This is ridiculous and obviously an attempt to go back on the agreed amount, which I have documented proof of in the PDF file. Today is XX/XX/2022 and I would like this matter to be settled at the agreed amount of {$120.00} as my document states, and for this company to stop trying to swindle me out of more money. Thank you for your time. I will attach the PDF, but you can not open it without the password, which I will be happy to give in private.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my XXXX credit report, I found Figure made a soft credit inquiry on XX/XX/2019. According to Figure 's website, they are a home equity company. We have never had nor have we ever requested a home equity loan. Due to the growing problem of title fraud, I'm concerned about Figure 's  request for my credit information. 

Figure information - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA, XXXX Customer Support : XXXX Website : XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization.

The fraudulent accounts and inquiries are as follows : 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 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 XXXXXX/XX/XXXX
Product: Bank account or service

I filed a complaint years ago and it was resolved, BBT Bank closed the account and did not send me the money .Bank account was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The money was never recovered nor did the bank did me a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit inquiry 8 times in XXXX XXXX XXXX XXXX XXXX 2 times in XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . THIS INACCURATE INFORMATION VIOLATES THE FAIR CREDIT REPORTING ACT SECTION 611 ( 5 ) ( A ) FCRA 15 USC 1681i. BY THE PROVISIONS OF THE FAIR CREDIT REPOTING ACT AND PER THE STANDARDS OF REPORTING COMPLIANCE IMPLEMENTED WITH THE CRSA ENACTED XXXX METRO 2 COMPLIANCE REGULATIONS, I DEMAND THAT THESE DEROGATORY ITEMS BE investigated AND DELETED.
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. 
Accounts name 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., 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 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

On XX/XX/XXXX, I was alerted by Tomo Credit that several purchases from online retailers were being attempted. XXXX asked " did you make this purchase '' and I replied no to the alerts. Instead of declining the purchases, XXXX approved them and charged my account. I submitted a dispute to their Fraud Department along with requested information and details, and they said they would get back to me with the resolution details but it could take up to XXXX  days. Tomo Credit never followed up with me. When I reached out to them on XX/XX/XXXX, they provided a response on XX/XX/XXXX stating they did not find an error. That is impossible considering I did not make the purchases and they alerted me of the fraud, yet refused to take action to deny the transactions. 

The XXXX transactions ( {$130.00}, {$310.00}, {$56.00}, and {$570.00} ) amounted to {$1000.00}. To make matters worse, XXXX requires consumers to authorize recurring electronic fund transfers as a condition of approval for their credit card. As a result, the {$1000.00} was drafted from my account during the " investigation. '' I did not cancel the draft because XXXX threatened to report any non-payment to the credit reporting agencies and I did not want the ordeal to impact my credit because, at the time, I believed XXXX would investigate the matter, find that fraud took place, and return the drafted amount. 

It seems XXXX had no real incentive to investigate or return the funds due to their automatic recurring funds policy, thus, any credit extended to the consumer is auto drafted in full every billing cycle. 

I am concerned that XXXX is violating the XXXX, exposing their customers to risk that XXXX will not be responsible for, failing to conduct proper investigations, failing to follow up with customers within agreed upon timeframes, and are hiding behind their online portal as they do not have a customer service number. This matter seriously begs the question of how many XXXX card holders reported fraud and the result of the " investigation '' showed no error after XXXX had already debited the funds from their card holders accounts. 

This has been a very frustrating process and a lot of time has elasped, but I would like justice to be served, for XXXX 's business practices and compliance with consumer lending regulations to be investigated, and for the amount taken from me to be returned. Thank you for looking into this matter.
Product: Credit card or prepaid card

On XX/XX/2023 I login to pay my credit card in full ( which I always do ) and I found my account closed. I've had this card for over 10 years and never had any issues with it, and my balance is always paid off in full. I called 3 times and in all times they said that I should have gotten a document in the mail but I do not have anything. To top it off, I lost all my thank you points that I have accumulated over the years.
Product: Debt collection

I called the company XXXX XXXX XXXX that has been calling me about a debt they say I own. I tried to find out the balance of the alleged debt owed and they told me " around {$7200.00} give or take ". My credit report does not list this company and the original debt is for American Express and it says {$6800.00}. Also when I contacted them via telephone, I asked the company to not contact me by phone anymore back in 2019. After requesting that I was not to be contacted via telephone I still received phone calls. Furthermore, when I called I spoke to a manager and he was very aggressive and unprofessional.
Product: Credit reporting or other personal consumer reports

My credit has been compromised. I was apart of the Equifax data breach. Please see attached documentation to see any additional information needed.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE CREDIT REPORTING ACT 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 CONSOMER REPORTING AGENCYNCANNOT FUMISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly. Additionally, please send me an updated copy of my credit report after completing your investigation. 
Account name : XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit reporting Agencies have been neglecting their duty to correct a consumer 's Credit File despite the multiple attempts to correct my Credit File via numerous Dispute letters and countless CFPB Complaints that I have been submitting to the Credit Bureaus. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. My information has been exposed in the XXXX data breach. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge 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  Also, the Credit Bureaus have been claiming that the disputed accounts are verified and yet, they have not sent me copies of documents bearing my signature or proof of ownership to support the Credit Bureaus claims. This action by the Credit Bureaus is a clear violation of the consumer 's rights under the FCRA.
Product: Payday loan

I was recently contacted by someone claiming to be a debt collector stating I took out a payday loan with a company called QUIK CASH in XXXX 2015. I told them I paid off my loan in XXXX 2015 and do not have a loan with them. They read my information I had on my previous QUIK CASH account and I told them to delete my information. The number is which has contacted me is XXXX, leaving a message stating she is looking for me to serve me a court date about this debt unless I call the company she works for to pay it. I called XXXX ( the number she left ) and that 's how I figured out this is a scam.
Product: Debt collection

My brother XXXX XXXX used my name to apply for a credit card from XXXX XXXX and maintained the account without my knowledge. He used to live with me, he is incarcerated now and I was not aware of this. I have filed a police report and sent it to the company but they dont care and still calling me every day to pay. I dont owe that money. I did NOT authorize my brother to obtain any kind of credit cards with my name Original is XXXX XXXX Now bought by portfolio recovery LLC
Product: Mortgage

For about the last 6 to 8 months Discover Bank/Discover XXXX XXXX  has been calling me stating that they own my mortgage ( They DO NOT) and if I do not pay their credit cards the XXXX that they claim that I own them they will take my home!  This is the second complaint I am making about them calling me all the tie with their lies< the did stop for one month!  Also they are still setting up fake accounts using my email one was for a porn site!
They have also taken over $XXXX from my other credit cards!
Product: Debt collection

The original amount was XXXX and when I contacted the company and as could they sent me a letter showing how it went to XXXX they refused. I also wanted to work out a settlement but only want the inaccurate amount.
Product: Checking or savings account

Dear CFPB and BMO Harris, I applied for a new BMO Harris Smart Advantage Checking account and a new Statement Savings account on XX/XX/19. At the time, BMO Harris advertised a {$300.00} bonus for the checking account and a {$200.00} for the statement savings. ( I have attached a print out of the application page that confirms the promo code was attached to my application. ) Both accounts were opened on XX/XX/19. 

The terms and conditions for the bonus, which I also provided as an attachment, specify that " the bonus is paid approximately 120 days after opening. '' Since more than 120 days had passed since my accounts were opened, I contacted BMO Harris via secure message to get an update and inquire about my pending bonuses. For your review, I have attached my secure messages.

A representative of BMO Harris claimed that I have met the requirements for the Statement Savings {$200.00} bonus, however, that I did not meet the requirements for the Smart Advantage Checking {$300.00} bonus. For your review, I have attached the first two statements for the Smart Advantage Checking account which clearly show the required opening minimum deposit of {$25.00} was made, the 10 debit card purchases within 90 days of account opening were made and that the PPD deposits over {$500.00} were made on two consecutive months to meet the requirements for this bonus.

I decided to file through CFPB upon discovering of numerous complaints online regarding BMO Harris ' reputation for not issuing bonuses to depositors who have met promotion requirements. If any party would like additional information or evidence, kindly reach out to me. Thank you very much.
Product: Credit reporting

There are XXXX accounts on my credit report which TransUnion is improperly reporting The first is a XXXX account which was good and in solid standing, Transunion somehow merged my credit report with another XXXX. 
This XXXX filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. Because TransUnion added this bankruptcy to my credit report, creditors of mine began closing accounts including XXXX XXXX. I have attached all my statements from XX/XX/XXXX and XX/XX/XXXX PROVING that my account was used and in proper standing. I DID NOT file a CHapter XXXX Bankruptcy. There is no way that if I filed a bankruptcy in XX/XX/XXXX, dismissed in XX/XX/XXXX, I could have continued to use my credit card throughout and up until XX/XX/XXXX. 
Additionally, TransUnion REFUSES to verify payment information with a former creditor XXXX. This creditor insists that they are reporting my account correctly, but refuses to verify the payment details and payment history. This account was NOT included in a Chapter XXXX bankruptcy either and in fact the first derogatory mark occurred in XX/XX/XXXX. The account should have been deleted from my credit report in XX/XX/XXXX. TransUnion continues to report this negative information on my credit report. I have requested the original payment history from the vendor and the credit bureau and they will not respond. They just keep sending me a transcript of " updated '' when in fact nothing has been verified or updated.